Document:

CITIGROUP MORTGAGE LOAN TRUST INC.

Depositor

CITIMORTGAGE, INC.

Master Servicer and Trust Administrator

CITIBANK, N.A.

Paying Agent, Certificate Registrar and Authenticating Agent

and

U.S. BANK NATIONAL ASSOCIATION

Trustee

_________________________________________

 

POOLING AND SERVICING AGREEMENT

Dated as of October 1, 2005

_________________________________________

Mortgage Pass-Through Certificates

Series 2005-8

 

 

 

TABLE OF CONTENTS

 

ARTICLE I

 

DEFINITIONS

	
            SECTION 1.01
 	
            Defined Terms.
 	
             

	
            SECTION 1.02
 	
            Allocation of Certain Interest Shortfalls.
 

ARTICLE II

 

CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES

	
            SECTION 2.01
 	
            Conveyance of Mortgage Loans.
 	
             

	
            SECTION 2.02
 	
            Acceptance of the Trust Fund by the Trustee.
 

	
            SECTION 2.03
 	
            Repurchase or Substitution of Mortgage Loans by the Seller or the Depositor. 
 

	
            SECTION 2.04
 	
            Reserved.
 	
             

	
            SECTION 2.05
 	
            Representations, Warranties and Covenants of the Master Servicer.
 
	
            SECTION 2.06
 	
            Issuance of the Certificates.
 	
             

				

	
            SECTION 2.07
 	
            Conveyance of the REMIC Regular Interests; Acceptance of the Trust REMICs by the Trustee. 
 

ARTICLE III

 

ADMINISTRATION AND SERVICING OF THE MORTGAGE LOANS

	
            SECTION 3.01
 	
            Master Servicer to Act as Master Servicer.
 	
             

	
            SECTION 3.02
 	
            Sub-Servicing Agreements Between the Master Servicer and Sub-Servicers.
 
	
            SECTION 3.03
 	
            Successor Sub-Servicers.
 	
             

	
            SECTION 3.04
 	
            Liability of the Master Servicer.
 	
             

					

	
            SECTION 3.05
 	
            No Contractual Relationship Between Sub-Servicers and Trustee, Trust Administrator or Certificateholders. 
 

	
            SECTION 3.06
 	
            Assumption or Termination of Sub-Servicing Agreements by Trustee.
 	
             

	
            SECTION 3.07
 	
            Collection of Certain Mortgage Loan Payments.
 	
             

	
            SECTION 3.08
 	
            Sub-Servicing Accounts.
 	
             

	
            SECTION 3.09
 	
            Collection of Taxes, Assessments and Similar Items; Servicing Accounts.
 
	
            SECTION 3.10
 	
            Collection Account and Distribution Account.
 	
             

	
            SECTION 3.11
 	
            Withdrawals from the Collection Account and Distribution Account.
 	
             

							

	
            SECTION 3.12
 	
            Investment of Funds in the Collection Account and the Distribution Account. 
 
	
            SECTION 3.13
 	
            Maintenance of the Primary Mortgage Insurance Policies; Collections Thereunder. 
 
	
            SECTION 3.14
 	
            Maintenance of Hazard Insurance and Errors and Omissions and Fidelity Coverage. 
 

	
            SECTION 3.15
 	
            Enforcement of Due-On-Sale Clauses; Assumption Agreements.
 
	
            SECTION 3.16
 	
            Realization Upon Defaulted Mortgage Loans.
 	
             

	
            SECTION 3.17
 	
            Trustee to Cooperate; Release of Mortgage Files.
 	
             

	
            SECTION 3.18
 	
            Servicing Compensation.
 	
             

					

 

 

 

	
            SECTION 3.19
 	
            Reports to the Trust Administrator; Collection Account Statements.
 
	
            SECTION 3.20
 	
            Statement as to Compliance.
 	
             

	
            SECTION 3.21
 	
            Independent Public Accountants’ Servicing Report.
 	
             

	
            SECTION 3.22
 	
            Access to Certain Documentation.
 	
             

	
            SECTION 3.23
 	
            Title, Management and Disposition of REO Property.
 	
             

						

	
            SECTION 3.24
 	
            Obligations of the Master Servicer in Respect of Prepayment Interest Shortfalls. 
 

	
            SECTION 3.25
 	
            Obligations of the Master Servicer in Respect of Monthly Payments.
 
	
            SECTION 3.26
 	
            Floater Cap Reserve Account.
 	
             

	
            SECTION 3.27
 	
            [Reserved].
 	
             

	
            SECTION 3.28
 	
            Administration of Buydown Funds.
 	
             

					

ARTICLE IV

 

PAYMENTS TO CERTIFICATEHOLDERS

	
            SECTION 4.01
 	
            Distributions.
 	
             

	
            SECTION 4.02
 	
            Statements to Certificateholders.
 	
             

	
            SECTION 4.03
 	
            Remittance Reports; P&I Advances.
 	
             

	
            SECTION 4.04
 	
            Allocation of Extraordinary Trust Fund Expenses and Realized Losses.
 
	
            SECTION 4.05
 	
            Compliance with Withholding Requirements.
 	
             

	
            SECTION 4.06
 	
            Commission Reporting.
 	
             

							

	
            SECTION 4.07
 	
            Distributions and Allocations of Realized Losses on the REMIC Regular Interests. 
 

ARTICLE V

 

THE CERTIFICATES

	
            SECTION 5.01
 	
            The Certificates.
 	
             

	
            SECTION 5.02
 	
            Registration of Transfer and Exchange of Certificates.
 
	
            SECTION 5.03
 	
            Mutilated, Destroyed, Lost or Stolen Certificates.
 	
             

	
            SECTION 5.04
 	
            Persons Deemed Owners.
 	
             

	
            SECTION 5.05
 	
            Certain Available Information.
 	
             

						

ARTICLE VI

 

THE DEPOSITOR AND THE MASTER SERVICER

	
            SECTION 6.01
 	
            Liability of the Depositor and the Master Servicer.
 	
             

	
            SECTION 6.02
 	
            Merger or Consolidation of the Depositor or the Master Servicer.
 	
             

	
            SECTION 6.03
 	
            Limitation on Liability of the Depositor, the Master Servicer and Others.
 
	
            SECTION 6.04
 	
            Limitation on Resignation of the Master Servicer.
 	
             

	
            SECTION 6.05
 	
            Rights of the Depositor in Respect of the Master Servicer.
 	
             

						

ARTICLE VII

 

DEFAULT

	
            SECTION 7.01
 	
            Master Servicer Events of Default.
 	
             

	
            SECTION 7.02
 	
            Trustee to Act; Appointment of Successor.
 	
             

	
            SECTION 7.03
 	
            Notification to Certificateholders.
 	
             

	
            SECTION 7.04
 	
            Waiver of Master Servicer Events of Default.
 
					

 

 

 

ARTICLE VIII

 

CONCERNING THE TRUSTEE, THE TRUST ADMINISTRATOR, THE PAYING AGENT, THE CERTIFICATE REGISTRAR AND THE AUTHENTICATING AGENT

	
            SECTION 8.01
 	
            Duties of Trustee, Trust Administrator and Others.
 	
             

	
            SECTION 8.02
 	
            Certain Matters Affecting the Trustee, the Trust Administrator and Others.
 

	
            SECTION 8.03
 	
            Trustee, Trust Administrator and Others not Liable for Certificates or Mortgage Loans. 
 

	
            SECTION 8.04
 	
            Trustee, Trust Administrator and Others May Own Certificates.
 

	
            SECTION 8.05
 	
            Trustee’s, Trust Administrator’s, Paying Agent’s, Authenticating Agent’s, Certificate Registrar’s and Custodians’ Fees and Expenses. 
 

	
            SECTION 8.06
 	
            Eligibility Requirements for Trustee and Trust Administrator.
 	
             

	
            SECTION 8.07
 	
            Resignation and Removal of the Trustee and the Trust Administrator.
 
	
            SECTION 8.08
 	
            Successor Trustee or Trust Administrator.
 	
             

	
            SECTION 8.09
 	
            Merger or Consolidation of Trustee or Trust Administrator.
 	
             

	
            SECTION 8.10
 	
            Appointment of Co-Trustee or Separate Trustee.
 	
             

	
            SECTION 8.11
 	
            [intentionally omitted]
 	
             

	
            SECTION 8.12
 	
            Appointment of Office or Agency.
 	
             

	
            SECTION 8.13
 	
            Representations and Warranties.
 	
             

									

	
            SECTION 8.14
 	
            Appointment and Removal of Paying Agent, Authenticating Agent and Certificate Registrar. 
 

	
            SECTION 8.15
 	
            No Trustee Liability for Actions or Inactions of Custodians.
 

ARTICLE IX

 

TERMINATION

	
            SECTION 9.01
 	
            Termination Upon Repurchase or Liquidation of the Mortgage Loans.
 
	
            SECTION 9.02
 	
            Additional Termination Requirements.
 	
             

ARTICLE X

 

REMIC PROVISIONS

	
            SECTION 10.01
 	
            REMIC Administration.
 	
             

	
            SECTION 10.02
 	
            Prohibited Transactions and Activities.
 	
             

	
            SECTION 10.03
 	
            Master Servicer and Trust Administrator Indemnification.
 
				

ARTICLE XI

 

MISCELLANEOUS PROVISIONS

	
            SECTION 11.01
 	
            Amendment.
 	
             

	
            SECTION 11.02
 	
            Recordation of Agreement; Counterparts.
 	
             

	
            SECTION 11.03
 	
            Limitation on Rights of Certificateholders.
 
	
            SECTION 11.04
 	
            Governing Law.
 	
             

	
            SECTION 11.05
 	
            Notices.
 	
             

	
            SECTION 11.06
 	
            Severability of Provisions.
 	
             

	
            SECTION 11.07
 	
            Notice to Rating Agencies.
 	
             

	
            SECTION 11.08
 	
            Article and Section References.
 	
             

	
            SECTION 11.09
 	
            Grant of Security Interest.
 	
             

										

 

 

 

Exhibits

	
            Exhibit A-1
 	
            Form of Class I-A1A Certificate
 	
             

	
            Exhibit A-2
 	
            Form of Class I-A1B Certificate
 	
             

	
            Exhibit A-3
 	
            Form of Class I-A2A Certificate
 	
             

	
            Exhibit A-4
 	
            Form of Class I-A2B Certificate
 	
             

	
            Exhibit A-5
 	
            Form of Class I-A3A Certificate
 	
             

	
            Exhibit A-6
 	
            Form of Class I-A3B Certificate
 	
             

	
            Exhibit A-7
 	
            Form of Class I-A4A Certificate
 	
             

	
            Exhibit A-8
 	
            Form of Class I-A4B Certificate
 	
             

	
            Exhibit A-9
 	
            Form of Class I-B1 Certificate
 	
             

	
            Exhibit A-10
 	
            Form of Class I-B2 Certificate
 	
             

	
            Exhibit A-11
 	
            Form of Class I-B3 Certificate
 	
             

	
            Exhibit A-12
 	
            Form of Class I-B4 Certificate
 	
             

	
            Exhibit A-13
 	
            Form of Class I-B5 Certificate
 	
             

	
            Exhibit A-14
 	
            Form of Class I-B6 Certificate
 	
             

	
            Exhibit A-15
 	
            Form of Class I-P Certificate
 	
             

	
            Exhibit A-16
 	
            Form of Class I-R Certificate
 	
             

	
            Exhibit A-17
 	
            Form of Class II-A1 Certificate
 	
             

	
            Exhibit A-18
 	
            Form of Class II-A2 Certificate
 	
             

	
            Exhibit A-19
 	
            Form of Class II-A3 Certificate
 	
             

	
            Exhibit A-20
 	
            Form of Class II-A4A Certificate
 
	
            Exhibit A-21
 	
            Form of Class II-A4B Certificate
 
	
            Exhibit A-22
 	
            Form of Class II-A5 Certificate
 	
             

	
            Exhibit A-23
 	
            Form of Class II-XS Certificate
 	
             

	
            Exhibit A-24
 	
            Form of Class II-PO Certificate
 	
             

	
            Exhibit A-25
 	
            Form of Class II-B1 Certificate
 	
             

	
            Exhibit A-26
 	
            Form of Class II-B2 Certificate
 	
             

	
            Exhibit A-27
 	
            Form of Class II-B3 Certificate
 	
             

	
            Exhibit A-28
 	
            Form of Class II-B4 Certificate
 	
             

	
            Exhibit A-29
 	
            Form of Class II-B5 Certificate
 	
             

	
            Exhibit A-30
 	
            Form of Class II-B6 Certificate
 	
             

	
            Exhibit A-31
 	
            Form of Class II-R Certificate
 	
             

	
            Exhibit A-32
 	
            Form of Class III-A1 Certificate
 	
             

	
            Exhibit A-33
 	
            Form of Class III-XS Certificate
 	
             

	
            Exhibit A-34
 	
            Form of Class III-PO Certificate
 	
             

	
            Exhibit A-35
 	
            Form of Class III-B1 Certificate
 	
             

	
            Exhibit A-36
 	
            Form of Class III-B2 Certificate
 	
             

	
            Exhibit A-37
 	
            Form of Class III-B3 Certificate
 	
             

	
            Exhibit A-38
 	
            Form of Class III-B4 Certificate
 	
             

	
            Exhibit A-39
 	
            Form of Class III-B5 Certificate
 	
             

	
            Exhibit A-40
 	
            Form of Class III-B6 Certificate
 	
             

	
            Exhibit A-41
 	
            Form of Class III-R Certificate
 	
             

	
            Exhibit B
 	
            [Reserved]
 	
             

	
            Exhibit C
 	
            Form of Cap Contract
 	
             

													

 

 

 

	
            Exhibit D
 	
            Form of Mortgage Loan Purchase Agreement
 
	
            Exhibit E
 	
            Request for Release
 	
             

	
            Exhibit F-1
 	
            Form of Transferor Representation Letter and Form of Transferee Representation Letter in Connection with Transfer of the Private Certificates Pursuant to Rule 144A Under the 1933 Act
 
	
            Exhibit F-2
 	
            Form of Transfer Affidavit and Agreement and Form of Transferor Affidavit in Connection with Transfer of Residual Certificates
 

	
            Exhibit G
 	
            Form of Certification with respect to ERISA and the Code
 
	
            Exhibit H
 	
            Form of Master Servicer Certification
 	
             

	
            Schedule 1
 	
            Mortgage Loan Schedule
 	
             

				

 

 

 

This Pooling and Servicing Agreement, is dated and effective as of October 1, 2005, among CITIGROUP MORTGAGE LOAN TRUST INC., as Depositor, CITIMORTGAGE, INC., as Master Servicer and Trust Administrator, CITIBANK, N.A. as Paying Agent, Certificate Registrar and Authenticating Agent and U.S. BANK NATIONAL ASSOCIATION, as Trustee.

PRELIMINARY STATEMENT:

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

 

 

REMIC I-A

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

	
            Designation
 	
             
 	
            REMIC I-B 
 Remittance Rate
 	
             
 	
            Initial Uncertificated 
 Balance
 	
             
 	
            Latest Possible 
 Maturity Date(1)
 
	
            LT-1A
 	
             
 	
            (2)
 	
             
 	
            $
 	
            592,264.73
 	
             
 	
            October 2035
 
	
            LT-1B
 	
             
 	
            (2)
 	
             
 	
            $
 	
            6,234,184.73
 	
             
 	
            October 2035
 
	
            LT-2A
 	
             
 	
            (2)
 	
             
 	
            $
 	
            425,275.75
 	
             
 	
            October 2035
 
	
            LT-2B
 	
             
 	
            (2)
 	
             
 	
            $
 	
            4,476,675.75
 	
             
 	
            October 2035
 
	
            LT-3A
 	
             
 	
            (2)
 	
             
 	
            $
 	
            1,000,332.04
 	
             
 	
            October 2035
 
	
            LT-3B
 	
             
 	
            (2)
 	
             
 	
            $
 	
            10,530,232.04
 	
             
 	
            October 2035
 
	
            LT-4A
 	
             
 	
            (2)
 	
             
 	
            $
 	
            2,649,890.89
 	
             
 	
            October 2035
 
	
            LT-4B
 	
             
 	
            (2)
 	
             
 	
            $
 	
            27,893,890.89
 	
             
 	
            October 2035
 
	
            LT-ZZZ
 	
             
 	
            (2)
 	
             
 	
            $
 	
            437,546,887.30
 	
             
 	
            October 2035
 
	
            LT-P
 	
             
 	
            0.00%
 	
             
 	
            $
 	
            100.00
 	
             
 	
            October 2035
 
	
            LT-R
 	
             
 	
            (2)
 	
             
 	
            $
 	
            100.00
 	
             
 	
            October 2035
 

 

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

	
            (2)
 	
            Calculated in accordance with the definition of “REMIC I-A Remittance Rate” herein.
 

 

 

REMIC I-B

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the REMIC I-A Regular Interests subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC I-B”. The Class R-IB Residual Interest will be the sole class of “residual interests” in REMIC I-B for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the Pass-Through Rate, the Initial Certificate Principal Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the Classes of Certificates that evidence “regular interests” or “residual interests” in REMIC I-B.

	
             

            Designation
	
             
 	
            Pass-Through Rate(2)
 	
            Initial Aggregate
 Certificate Balance
 	
             
 	
            Latest Possible 
 Maturity Date(1)
 

 

	
            Class I-A1A
 	
             
 	
            Variable
 	
             
 	
            $
 	
            56,419,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-A1B
 	
             
 	
            Variable
 	
             
 	
            $
 	
            2,961,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-A2A
 	
             
 	
            Variable
 	
             
 	
            $
 	
            40,514,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-A2B
 	
             
 	
            Variable
 	
             
 	
            $
 	
            2,126,000
 	
            $
 	
             
 	
            October 2035
 
	
            Class I-A3A
 	
             
 	
            Variable
 	
             
 	
            $
 	
            95,299,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-A3B
 	
             
 	
            Variable
 	
             
 	
            $
 	
            5,002,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-A4A
 	
             
 	
            Variable
 	
             
 	
            $
 	
            252,440,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-A4B
 	
             
 	
            Variable
 	
             
 	
            $
 	
            13,250,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-B1
 	
             
 	
            Variable
 	
             
 	
            $
 	
            10,073,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-B2
 	
             
 	
            Variable
 	
             
 	
            $
 	
            4,668,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-B3
 	
             
 	
            Variable
 	
             
 	
            $
 	
            2,702,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-B4
 	
             
 	
            Variable
 	
             
 	
            $
 	
            2,457,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-B5
 	
             
 	
            Variable
 	
             
 	
            $
 	
            1,720,000
 	
             
 	
             
 	
            October 2035
 
	
            Class I-B6
 	
             
 	
            Variable
 	
             
 	
            $
 	
            1,718,634
 	
             
 	
             
 	
            October 2035
 
	
            Class I-P
 	
             
 	
            (3)
 	
             
 	
            $
 	
            100.00
 	
             
 	
             
 	
            October 2035
 
	
            Class I-R
 	
             
 	
            Variable
 	
             
 	
            $
 	
            100.12
 	
             
 	
             
 	
            October 2035
 

 

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

	
            (2)
 	
            Calculated in accordance with the definition of “Pass-Through Rate” herein.
 	
             

	
            (3)
 	
            The Class I-P Certificates are principal only certificates and will not have a pass-through rate or accrue interest.
 

 

 

 

REMIC II-A

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the Group II Mortgage Loans and certain other related assets (other than the Floater Cap Reserve Account, the Trust Bifurcation Amounts and, if any Group II Mortgage Loans are Buydown Loans, the Buydown Account) subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC II-A”. The Class R-IIA Residual Interest will be the sole class of “residual interests” in REMIC II-A for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the REMIC II-A Remittance Rate, the initial Uncertificated Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity
date” for each of the REMIC II-A Regular Interests (as defined herein). None of the REMIC II-A Regular Interests will be certificated.

	
             

            Designation
	
             
 	
            REMIC II-A
 Remittance Rate
 	
            Initial Uncertificated
 Balance
 	
             
 	
            Latest Possible 
 Maturity Date(1)
 
	
            LT-A1
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            138,776,272.00
 	
             
 	
            September 2035
 
	
            LT-A3
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            14,500,000.00
 	
             
 	
            September 2035
 
	
            LT-A4A
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            21,594,000.00
 	
             
 	
            September 2035
 
	
            LT-A4B
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            1,079,728.00
 	
             
 	
            September 2035
 
	
            LT-A5
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            57,500,000.00
 	
             
 	
            September 2035
 
	
            LT-B1
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            4,962,000.00
 	
             
 	
            September 2035
 
	
            LT-B2
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            3,225,000.00
 	
             
 	
            September 2035
 
	
            LT-B3
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            1,985,000.00
 	
             
 	
            September 2035
 
	
            LT-B4
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            1,613,000.00
 	
             
 	
            September 2035
 
	
            LT-B5
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            1,116,000.00
 	
             
 	
            September 2035
 
	
            LT-B6
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            740,188.00
 	
             
 	
            September 2035
 
	
            LT-IO
 	
             
 	
            (2
 	
            )
 	
            $
 	
            (3)
 	
             
 	
            September 2035
 
	
            LT-PO
 	
             
 	
            0.00
 	
            %
 	
            $
 	
            984,590.00
 	
             
 	
            September 2035
 
	
            LT-R
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            101.29
 	
             
 	
            September 2035
 

 

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

	
            (2)
 	
            Calculated in accordance with the definition of “REMIC II-A Remittance Rate” herein.
 

(3)            REMIC II-A Regular Interest LT-IO will not have an uncertificated balance, but will be entitled to distributions of interest on its Uncertificated Notional Amount, as defined herein.

 

 

REMIC II-B

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the REMIC II-A Regular Interests subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC II-B”. The Class R-IIB Residual Interest will be the sole class of “residual interests” in REMIC II-B for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the Pass-Through Rate, the Initial Certificate Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the Classes of Certificates that evidence “regular interests” or “residual interests” in REMIC II-B.

	
             

            Designation
	
             
 	
            Pass-Through
 Rate
 	
             
 	
            Initial Aggregate
 Certificate Balance
 	
             
 	
            Latest Possible
 Maturity Date(1)
 

 

	
            Class II-A1
 	
             
 	
            Variable(2)
 	
             
 	
            $
 	
            136,000,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-A2
 	
             
 	
            Variable(2)
 	
             
 	
             
 	
            (3)
 	
             
 	
             
 	
            September 2035
 
	
            Class II-A3
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            14,900,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-A4A
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            21,905,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-A4B
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            1,095,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-A5
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            59,550,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-PO
 	
             
 	
            (
 	
            4)
 	
            $
 	
            984,590
 	
             
 	
             
 	
            September 2035
 

 

	
            Class II-XS
 	
             
 	
            5.50%
 	
             
 	
            (3)
 	
             
 	
             
 	
            September 2035
 
	
            Class II-B1
 	
             
 	
            5.50%
 	
            $
 	
            4,962,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-B2
 	
             
 	
            5.50%
 	
            $
 	
            3,225,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-B3
 	
             
 	
            5.50%
 	
            $
 	
            1,985,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-B4
 	
             
 	
            5.50%
 	
            $
 	
            1,613,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-B5
 	
             
 	
            5.50%
 	
            $
 	
            1,116,000
 	
             
 	
             
 	
            September 2035
 
	
            Class II-B6
 	
             
 	
            5.50%
 	
            $
 	
            740,188
 	
             
 	
             
 	
            September 2035
 

 

	
            Class II-R
 	
             
 	
            5.50
 	
            %
 	
            $
 	
            101.29
 	
             
 	
            September 2035
 

 

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

	
            (2)
 	
            Calculated in accordance with the definition of “Pass-Through Rate” herein.
 

(3)            The Class II-A2 Certificates will not have a certificate principal balance, but will be entitled to distributions of interest on the Notional Amount thereof, as defined herein.  The Class II-XS Certificates will not have a certificate principal balance, but will be entitled to distributions of interest on the Notional Amount thereof, as defined herein, which interest, for federal income tax purposes, will consist of 100% of amounts distributed on REMIC II-A Regular Interest LT-IO. 

	
            (4)
 	
            The Class II-PO Certificates are principal only certificates and will not have a pass-through rate or accrue 

      interest.
 

 

 

REMIC III-A

As provided herein, the Trust Administrator will elect to treat the segregated pool of assets consisting of the Group III Mortgage Loans and certain other related assets (other than, if any Group III Mortgage Loans are Buydown Loans, the Buydown Account) subject to this Agreement as a REMIC (as defined herein) for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC III-A”. The Class III-R Certificates will be the sole class of “residual interests” in REMIC III-A for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the Pass-Through Rate, the Initial Certificate Principal Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the Classes of Certificates that evidence
“regular interests” or “residual interests” in REMIC III-A.

	
             

            Designation
	
             
 	
            Pass-Through Rate
 	
             
 	
            Initial Aggregate 
 Certificate Balance
 	
             
 	
            Latest Possible 
 Maturity Date(1)
 

 

	
            Class III-A1
 	
             
 	
            5.50%
 	
            $
 	
            82,898,000
 	
             
 	
             
 	
            September 2035
 
	
            Class III-XS
 	
             
 	
            5.50%
 	
             
 	
            (2)
 	
             
 	
             
 	
            September 2035
 
	
            Class III-PO
 	
             
 	
            (3)
 	
            $
 	
            754,919
 	
             
 	
             
 	
            September 2035
 
	
            Class III-B1
 	
             
 	
            5.50%
 	
            $
 	
            1,577,000
 	
             
 	
             
 	
            September 2035
 
	
            Class III-B2
 	
             
 	
            5.50%
 	
            $
 	
            788,000
 	
             
 	
             
 	
            September 2035
 
	
            Class III-B3
 	
             
 	
            5.50%
 	
            $
 	
            569,000
 	
             
 	
             
 	
            September 2035
 
	
            Class III-B4
 	
             
 	
            5.50%
 	
            $
 	
            394,000
 	
             
 	
             
 	
            September 2035
 
	
            Class III-B5
 	
             
 	
            5.50%
 	
            $
 	
            263,000
 	
             
 	
             
 	
            September 2035
 
	
            Class III-B6
 	
             
 	
            5.50%
 	
            $
 	
            350,437
 	
             
 	
             
 	
            September 2035
 
	
            Class III-R
 	
             
 	
            5.50%
 	
            $
 	
            101.14
 	
             
 	
             
 	
            September 2035
 

 

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

(2)            The Class III-XS Certificates will not have a certificate principal balance, but will be entitled to distributions of interest on the Notional Amount thereof, as defined herein. 

	
            (3)
 	
            The Class III-PO Certificates are principal only certificates and will not have a pass-through rate or 

      accrue interest.
 

As of the Cut-off Date, the Group I Mortgage Loans had an aggregate Scheduled Principal Balance equal to $491,349,834.12. As of the Cut-off Date, the Group I-1 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $62,341,847.34. As of the Cut-off Date, the Group I-2 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $44,766,757.47. As of the Cut-off Date, the Group I-3 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $105,302,320.44. As of the Cut-off Date, the Group I-4 Mortgage Loans had an aggregate Scheduled Principal Balance equal to $278,938,909.87.  As of the Cut-off Date, the Group II Mortgage Loans had an aggregate Scheduled Principal Balance equal to $248,078,754.03.  As of the Cut-off Date, the Group III Mortgage Loans had an aggregate Scheduled Principal Balance equal to $87,594,457.14. 

In consideration of the mutual agreements herein contained, the Depositor, the Master Servicer, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar and the Trustee agree as follows:

 

 

ARTICLE I

 

DEFINITIONS

	
            SECTION 1.01
 	
            Defined Terms.
 

Whenever used in this Agreement, including, without limitation, in the Preliminary Statement hereto, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Unless otherwise specified, all calculations described herein shall be made on the basis of a 360-day year consisting of twelve 30-day months.

“Adjustable-Rate Mortgage Loan”:  Each Group I Mortgage Loan.

“Adjustment Amount”: With respect to each Collateral Pool and each anniversary of the Cut-off Date, an amount equal to the greatest of (i) 1.00% multiplied by the aggregate outstanding principal balance of the related Mortgage Loans, (ii) the aggregate outstanding principal balance of the related Mortgage Loans secured by Mortgaged Properties located in the California postal zip code area in which the highest percentage of related Mortgage Loans based on outstanding principal balance are located and (iii) two times the outstanding principal balance of the related Mortgage Loan having the largest outstanding principal balance, in each case as of such anniversary of the Cut-off Date.

“Adjustment Date”: With respect to each Adjustable-Rate Mortgage Loan, the first day of the month in which the Mortgage Rate of a Mortgage Loan changes pursuant to the related Mortgage Note. The first Adjustment Date following the Cut-off Date as to each Mortgage Loan is set forth in the Mortgage Loan Schedule. 

“Administration Fee”: With respect to each Mortgage Loan and for any calendar month, an amount equal to one month’s interest (or in the event of any payment of interest which accompanies a Principal Prepayment in full made by the Mortgagor during such calendar month, interest for the number of days covered by such payment of interest) at the applicable Administration Fee Rate on the same principal amount on which interest on such Mortgage Loan accrues for such calendar month. 

“Administration Fee Rate”: With respect to the Group I Mortgage Loans, 0.0025% per annum.  With respect to the Group II Mortgage Loans, 0.0025% per annum.  With respect to the Group III Mortgage Loans, 0.0025% per annum.

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

“Aggregate Senior Percentage”:  With respect to any Distribution Date and the Group I Senior Certificates, the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Group I Senior Certificates for such Distribution Date and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the Group I Mortgage 

 

Loans, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in Collateral Pool I, in each case before reduction for any Realized Losses on such Distribution Date. 

“Aggregate Subordinate Percentage”:  With respect to any Distribution Date and Collateral Pool I, the percentage equal to the aggregate Certificate Principal Balance of the related Subordinate Certificates immediately prior to such Distribution Date divided by the aggregate Scheduled Principal Balance of all of the related Mortgage Loans as of the close of business on the first day of the calendar month immediately preceding such Distribution Date.  

“Agreement”: This Pooling and Servicing Agreement and all amendments hereof and supplements hereto. 

“American Home”: American Home Mortgage Corp., or its successor in interest.

“American Home Mortgage Loans”: The Mortgage Loans originated by American Home. 

“Assignment”: An assignment of Mortgage, notice of transfer or equivalent instrument, in recordable form, which is sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect of record the sale of the Mortgage.

“Available Distribution Amount”: With respect to any Loan Group within Collateral Pool I, the related Group I Available Distribution Amount. With respect to Collateral Pool II, the Group II Available Distribution Amount. With respect to Collateral Pool III, the Group III Available Distribution Amount. 

“Authenticating Agent”: Citibank, or its successor in interest, or any successor authenticating agent appointed as herein provided.

“Bankruptcy Amount”: As of any date of determination, with respect to Collateral Pool I, an amount equal to the excess, if any, of (A) $192,030 over (B) the aggregate amount of Bankruptcy Losses allocated solely to the related Subordinate Certificates in accordance with Section 4.04.  As of any date of determination, with respect to Collateral Pool II, an amount equal to the excess, if any, of (A) $150,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to the related Subordinate Certificates in accordance with Section 4.04.  As of any date of determination, with respect to Collateral Pool III, an amount equal to the excess, if any, of (A) $150,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to the related Subordinate Certificates in accordance with Section 4.04.

“Bankruptcy Code”: The Bankruptcy Reform Act of 1978 (Title 11 of the United States Code), as amended.

“Bankruptcy Loss”: With respect to any Mortgage Loan, a Realized Loss resulting from a Deficient Valuation or Debt Service Reduction.

“Book-Entry Certificate”: Any Certificate registered in the name of the Depository or its nominee. Initially, the Book-Entry Certificates will be all Classes of the Certificates other than the Residual Certificates and the Class I-P Certificates.

“Book-Entry Custodian”: The custodian appointed pursuant to Section 5.01.

 

 

“Business Day”: Any day other than a Saturday, a Sunday or a day on which banking or savings and loan institutions in the State of New York, each state in which any Initial Sub-Servicer conducts its business, the State of Missouri, the State of Texas, the city in which the Corporate Trust Office of the Trustee or the Corporate Trust Office of the Paying Agent is located are authorized or obligated by law or executive order to be closed.

“Buydown Account”: The custodial account or accounts created and maintained pursuant to Section 3.28.

“Buydown Agreement”: An agreement between the applicable originator and a Mortgagor, or an agreement among such originator, a Mortgagor and an employer of a relocated Mortgagor which, in each case, provides for the application of Buydown Funds.

“Buydown Funds”: In respect of any Buydown Mortgage Loan, any amount contributed by the related originator or the employer of a relocated borrower in order to enable the Mortgagor to reduce the payments required to be made from the Mortgagor’s funds during the Buydown Period. The Buydown Funds are not part of the Trust Fund prior to deposit into the Collection Account or the Distribution Account.

“Buydown Mortgage Loan”: Any Mortgage Loan in respect of which, pursuant to a Buydown Agreement, (i) the Mortgagor pays less than the full monthly payment specified in the Mortgage Note during the Buydown Period and (ii) the difference between the payments required under such Buydown Agreement and the Mortgage Note is paid from the related Buydown Funds.

“Buydown Period”: The period during which Buydown Funds are required to be applied to the related Buydown Mortgage Loans as provided in Section 3.28.

“Cap Contract”: The Cap Contract between the cap counterparty and the Trustee, a form of which is attached hereto as Exhibit C.

 “Cash-out Refinancing”: A Refinanced Mortgage Loan the proceeds of which were in excess of the principal balance of any existing first mortgage on the related Mortgaged Property and related closing costs, and were used to pay any such existing first mortgage, related closing costs and subordinate mortgages on the related Mortgaged Property.

“Certificate”: Any one of the Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8, issued under this Agreement.

“Certificate Factor”: With respect to any Class of Certificates (other than the Class II-XS Certificates and the Class III-XS Certificates) as of any Distribution Date, a fraction, expressed as a decimal carried to six places, the numerator of which is the aggregate Certificate Principal Balance or Notional Amount of such Class of Certificates on such Distribution Date (after giving effect to any distributions of principal and allocations of Realized Losses and Extraordinary Trust Fund Expenses in reduction of the Certificate Principal Balance or Notional Amount of such Class of Certificates to be made on such Distribution Date), and the denominator of which is the initial aggregate Certificate Principal Balance or Notional Amount of such Class of Certificates as of the Closing Date. With respect to the Class II-XS Certificates as of any Distribution Date, a fraction, expressed
as a decimal carried to six places, the numerator of which is the aggregate Scheduled Principal Balance of the Group II Mortgage Loans with Expense Adjusted Mortgage Rates equal to or in excess 

 

of 5.50% per annum, and the denominator of which is the aggregate Scheduled Principal Balance of the Group II Mortgage Loans with Expense Adjusted Mortgage Rates equal to or in excess of 5.50% per annum as of the Cut-off Date. With respect to the Class III-XS Certificates as of any Distribution Date, a fraction, expressed as a decimal carried to six places, the numerator of which is the aggregate Scheduled Principal Balance of the Group III Mortgage Loans with Expense Adjusted Mortgage Rates equal to or in excess of 5.50% per annum, and the denominator of which is the aggregate Scheduled Principal Balance of the Group III Mortgage Loans with Expense Adjusted Mortgage Rates equal to or in excess of 5.50% per annum as of the Cut-off Date.  

“Certificateholder” or “Holder”: The Person in whose name a Certificate is registered in the Certificate Register, except that a Disqualified Organization or a Non-United States Person shall not be a Holder of a Residual Certificate for any purposes hereof and, solely for the purposes of giving any consent pursuant to this Agreement, any Certificate registered in the name of the Depositor or the Master Servicer or any Affiliate thereof shall be deemed not to be outstanding and the Voting Rights to which it is entitled shall not be taken into account in determining whether the requisite percentage of Voting Rights necessary to effect any such consent has been obtained, except as otherwise provided in Section 11.01. The Trustee and the Trust Administrator may conclusively rely upon a certificate of the Depositor or the Master Servicer in determining whether a Certificate
is held by an Affiliate thereof. All references herein to “Holders” or “Certificateholders” shall reflect the rights of Certificate Owners as they may indirectly exercise such rights through the Depository and participating members thereof, except as otherwise specified herein; provided, however, that the Trustee and the Trust Administrator shall be required to recognize as a “Holder” or “Certificateholder” only the Person in whose name a Certificate is registered in the Certificate Register.

“Certificate Owner”: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of such Certificate as reflected on the books of the Depository or on the books of a Depository Participant or on the books of an indirect participating brokerage firm for which a Depository Participant acts as agent.

“Certificate Principal Balance”: With respect to any Certificate (other than the Class II-A2 Certificates, the Class II-XS Certificates and the Class III-XS Certificates) as of any date of determination, the Certificate Principal Balance of such Certificate on the Distribution Date immediately prior to such date of determination plus any Subsequent Recoveries added to the Certificate Principal Balance of such Certificate pursuant to Section 4.01, reduced by the aggregate of (a) all distributions of principal made thereon on such immediately prior Distribution Date and (b) without duplication of amounts described in clause (a) above, reductions in the Certificate Principal Balance thereof in connection with allocations thereto of Realized Losses on the Mortgage Loans and Extraordinary Trust Fund Expenses on such immediately prior Distribution Date (or, in the case of any date of
determination up to and including the initial Distribution Date, the initial Certificate Principal Balance of such Certificate, as stated on the face thereof). The Certificate Principal Balance of any Class of Certificates as of any date of determination is equal to the aggregate of the Certificate Principal Balances of the Certificates of such Class. Notwithstanding any of the foregoing, the Certificate Principal Balance of a Subordinate Certificate of the Class of Subordinate Certificates relating to a Collateral Pool outstanding with the highest numerical designation at any given time shall not be greater than the Percentage Interest evidenced by such Certificate multiplied by the excess, if any, of (A) the then aggregate Stated Principal Balance of the Mortgage Loans in such related Collateral Pool over (B) the then aggregate Certificate Principal Balances of all other Classes of Certificates relating to that Collateral Pool then outstanding.

“Certificate Register”: The register maintained pursuant to Section 5.02.

 

 

“Certificate Registrar”: Citibank, or its successor in interest, or any successor certificate registrar appointed as herein provided. 

“Citibank”: Citibank, N.A.

“CitiMortgage”: CitiMortgage, Inc. in its capacity as an Initial Sub-Servicer with respect to the CitiMortgage Mortgage Loans.  

“CitiMortgage Mortgage Loans”: The Mortgage Loans originated by CitiMortgage and with respect to which CitiMortgage is the applicable Initial Sub-Servicer.  

“Class”: Collectively, all of the Certificates bearing the same class designation.

“Class I-A1A Certificate”: Any one of the Class I-A1A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-1 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-A1B Certificate”: Any one of the Class I-A1B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-2 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-A2A Certificate”: Any one of the Class I-A2A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-3 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-A2B Certificate”: Any one of the Class I-A2B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-4 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-A3A Certificate”: Any one of the Class I-A3A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-5 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions. 

“Class I-A3B Certificate”: Any one of the Class I-A3B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-6 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions. 

“Class I-A4A Certificate”: Any one of the Class I-A4A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-7 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions. 

“Class I-A4B Certificate”: Any one of the Class I-A4B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-8 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions. 

“Class I-B1 Certificate”: Any one of the Class I-B1 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-9 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

 

 

“Class I-B1 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class I-B1 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class I-B1 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group I Subordinate Certificates immediately prior to such date.

“Class I-B2 Certificate”: Any one of the Class I-B2 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-10 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-B2 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class I-B2 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class I-B2 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group I Subordinate Certificates immediately prior to such date.

“Class I-B3 Certificate”: Any one of the Class I-B3 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-11 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-B3 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class I-B3 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class I-B3 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group I Subordinate Certificates immediately prior to such date.

“Class I-B4 Certificate”: Any one of the Class I-B4 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-12 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-B4 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class I-B4 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class I-B4 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group I Subordinate Certificates immediately prior to such date.

“Class I-B5 Certificate”: Any one of the Class I-B5 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-13 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-B5 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class I-B5 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders 

 

of the Class I-B5 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group I Subordinate Certificates immediately prior to such date.

“Class I-B6 Certificate”: Any one of the Class I-B6 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-14 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions.

“Class I-B6 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class I-B6 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class I-B6 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group I Subordinate Certificates immediately prior to such date.

Class I-P Certificate”: Any one of the Class I-P Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-15 and evidencing a Regular Interest in REMIC I-B for purposes of the REMIC Provisions. 

 “Class I-R Certificate”: Any one of the Class I-R Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-16 and evidencing ownership of the Class R-IA Residual Interest and the Class R-IB Residual Interest.

“Class II-A1 Certificate”: Any one of the Class II-A1 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-17 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-A2 Certificate”: Any one of the Class II-A2 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-18 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-A3 Certificate”: Any one of the Class II-A3 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-19 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-A4A Certificate”: Any one of the Class II-A4A Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-20 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-A4B Certificate”: Any one of the Class II-A4B Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-21 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-A5 Certificate”: Any one of the Class II-A5 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-22 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

 

 

“Class II-B1 Certificate”: Any one of the Class II-B1 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-25 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-B1 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class II-B1 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class II-B1 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group II Subordinate Certificates immediately prior to such date.

“Class II-B2 Certificate”: Any one of the Class II-B2 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-26 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-B2 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class II-B2 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class II-B2 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group II Subordinate Certificates immediately prior to such date.

“Class II-B3 Certificate”: Any one of the Class II-B3 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-27 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-B3 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class II-B3 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class II-B3 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group II Subordinate Certificates immediately prior to such date.

“Class II-B4 Certificate”: Any one of the Class II-B4 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-28 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-B4 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class II-B4 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class II-B4 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group II Subordinate Certificates immediately prior to such date.

“Class II-B5 Certificate”: Any one of the Class II-B5 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-29 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

 

 

“Class II-B5 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class II-B5 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class II-B5 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group II Subordinate Certificates immediately prior to such date.

“Class II-B6 Certificate”: Any one of the Class II-B6 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-30 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions.

“Class II-B6 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class II-B6 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class II-B6 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group II Subordinate Certificates immediately prior to such date.

“Class II-PO Certificate”: Any one of the Class II-PO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-24 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions. 

“Class II-R Certificate”: Any one of the Class II-R Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-31 and evidencing ownership of the Class R-IIA Residual Interest and the Class R-IIB Residual Interest. 

“Class II-XS Certificate”: Any one of the Class II-XS Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-23 and evidencing a Regular Interest in REMIC II-B for purposes of the REMIC Provisions. 

“Class III-A1 Certificate”: Any one of the Class III-A1 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-32 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions.

“Class III-B1 Certificate”: Any one of the Class III-B1 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-35 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions.

“Class III-B1 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class III-B1 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class III-B1 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group III Subordinate Certificates immediately prior to such date.

 

 

“Class III-B2 Certificate”: Any one of the Class III-B2 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-36 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions.

“Class III-B2 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class III-B2 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class III-B2 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group III Subordinate Certificates immediately prior to such date.

“Class III-B3 Certificate”: Any one of the Class III-B3 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-37 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions.

“Class III-B3 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class III-B3 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class III-B3 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group III Subordinate Certificates immediately prior to such date.

“Class III-B4 Certificate”: Any one of the Class III-B4 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-38 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions.

“Class III-B4 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class III-B4 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class III-B4 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group III Subordinate Certificates immediately prior to such date.

“Class III-B5 Certificate”: Any one of the Class III-B5 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-39 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions.

“Class III-B5 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class III-B5 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class III-B5 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group III Subordinate Certificates immediately prior to such date.

“Class III-B6 Certificate”: Any one of the Class III-B6 Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-40 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions.

 

 

“Class III-B6 Percentage”: With respect to any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Class III-B6 Certificates immediately prior to such date over the aggregate amount, if any, payable to the Holders of the Class III-B6 Certificates on such date pursuant to Section 4.01(b)(i)(Z), and the denominator of which is the aggregate of the Scheduled Principal Balance of the Group III Subordinate Certificates immediately prior to such date.

“Class III-PO Certificate”: Any one of the Class II-PO Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-34 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions. 

 “Class III-R Certificate”: Any one of the Class III-R Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-41 and evidencing the sole class of “residual interests” in REMIC III-A for purposes of the REMIC Provisions. 

“Class III-XS Certificate”: Any one of the Class III-XS Certificates executed by the Paying Agent and authenticated and delivered by the Authenticating Agent, substantially in the form annexed hereto as Exhibit A-33 and evidencing a Regular Interest in REMIC III-A for purposes of the REMIC Provisions. 

“Class A Principal Adjustment Amount”: With respect to Collateral Pool I, as to any Distribution Date on which the Certificate Principal Balance of all of the Class A Certificates related to a Loan Group have been reduced to zero, any remaining Principal Prepayments, Liquidation Proceeds or other unscheduled payments of principal collected in respect of the related Mortgage Loans in such Loan Group (and, with respect to any Distribution Date on which the aggregate Certificate Principal Balance of the Group I Subordinate Certificates has been reduced to zero, any remaining scheduled payments of principal in respect of the Mortgage Loans in the related Loan Group). 

“Class B Percentage”: Any one of the Class I-B1 Percentage, the Class I-B2 Percentage, the Class I-B3 Percentage, the Class I-B4 Percentage, the Class I-B5 Percentage, the Class I-B6 Percentage, the Class II-B1 Percentage, the Class II-B2 Percentage, the Class II-B3 Percentage, the Class II-B4 Percentage, the Class II-B5 Percentage, the Class II-B6 Percentage, the Class III-B1 Percentage, the Class III-B2 Percentage, the Class III-B3 Percentage, the Class III-B4 Percentage, the Class III-B5 Percentage or  the Class III-B6 Percentage.

“Class P Certificates”:  The Class I-P Certificates.  

“Class PO Certificates”: The Class II-PO Certificates and the Class III-PO Certificates. 

“Class PO Mortgage Loan”: Any Group II Mortgage Loan with an Expense Adjusted Mortgage Rate below 5.50% per annum and any Group III Mortgage Loan with an Expense Adjusted Mortgage Rate below 5.50% per annum.

“Class PO Percentage”: With respect to (a) a Class PO Mortgage Loan in Collateral Pool II, the quotient of (i) 5.50% per annum minus the related Expense Adjusted Mortgage Rate divided by (ii) 5.50% per annum and (b) a Class PO Mortgage Loan in Collateral Pool III, the quotient of (i) 5.50% per annum minus the 

 

related Expense Adjusted Mortgage Rate divided by (ii) 5.50% per annum.  With respect to each other Mortgage Loan the Trust Fund, 0%.   

“Class PO Principal Distribution Amount”: For any Distribution Date and any Class of Class PO Certificates, an amount equal to the lesser of (i) the Group II Available Distribution Amount (in the case of the Class II-PO Certificates) or the Group III Available Distribution Amount (in the case of the Class III-PO Certificates), as applicable, remaining after distribution of the related Senior Interest Distribution Amount and (ii) the aggregate of:

	
            (a)
 	
            the sum of the following:
 

 

(i)                the Class PO Percentage of the principal portion of each Monthly Payment due during the related Due Period in respect of each related Class PO Mortgage Loan whether or not received;

 

(ii)               the Class PO Percentage of the principal portion of all Insurance Proceeds, Liquidation Proceeds (other than amounts described in clause (c) below) and Subsequent Recoveries received in respect of each related Class PO Mortgage Loan during the related Prepayment Period (other than any such related Class PO Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01 during the related Prepayment Period), net of any portion thereof that represents a recovery of principal for which an advance was made by the related Servicer pursuant to Section 4.03 in respect of a preceding Distribution Date;

 

(iii)              the Class PO Percentage of the Stated Principal Balance (calculated immediately prior to such Distribution Date) of each related Class PO Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01 during the related Prepayment Period;

 

	
            (iv)
 	
            [reserved]; and
 

 

(v)               in connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans which were related Class PO Mortgage Loans pursuant to Section 2.03 during the related Prepayment Period, the excess, if any, of (A) the Class PO Percentage of the aggregate of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Deleted Mortgage Loans, net of the aggregate of the Class PO Percentage of the principal portions of the Monthly Payments due during the related Prepayment Period (to the extent received from the related Mortgagor or advanced by the related  Servicer and distributed pursuant to Section 4.01 on the Distribution Date in the related Prepayment Period) in respect of each
such Deleted Mortgage Loan that was replaced prior to the Distribution Date in the related Prepayment Period, over (B) the Class PO Percentage of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Qualified Substitute Mortgage Loans;

 

(b)               the Class PO Percentage of all Principal Prepayments received in respect of each related Class PO Mortgage Loan during the related Prepayment Period;

 

 

 

(c)               with respect to each related Class PO Mortgage Loan which was the subject of a Final Recovery Determination in the related Prepayment Period, the Class PO Percentage of the Stated Principal Balance of such Mortgage Loan at the time of such Final Recovery Determination (net of the principal portion of any Realized Loss allocated to the related Class of Class PO Certificates) to the extent of the principal portion of all Liquidation Proceeds with respect to such related Class PO Mortgage Loan; and

 

(d)               in the case of any Distribution Date subsequent to the initial Distribution Date, an amount equal to the excess, if any, of the related Class PO Principal Distribution Amount for the immediately preceding Distribution Date, over the aggregate distributions of principal made in respect of the related Class of Class PO Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent that any such amounts are not attributable to Realized Losses which were allocated to the related Subordinate Certificates pursuant to Section 4.04.

 

“Class R-IA Residual Interest”: The uncertificated Residual Interest in REMIC I-A.

“Class R-IB Residual Interest”: The uncertificated Residual Interest in REMIC I-B.

“Class R-IIA Residual Interest”: The uncertificated Residual Interest in REMIC II-A.

“Class R-IIB Residual Interest”: The uncertificated Residual Interest in REMIC II-B.

“Class XS Certificates”: The Class II-XS Certificates and the Class III-XS Certificates. 

“Closing Date”: October 31, 2005.

“Code”:  The Internal Revenue Code of 1986, as amended.

“Collateral Pool”:  Collateral Pool I, Collateral Pool II and Collateral Pool III.

“Collateral Pool I”: The Mortgage Loans in Loan Group I-1, Loan Group I-2, Loan Group I-3 and Loan Group I-4.

“Collateral Pool II”: The Group II Mortgage Loans.

“Collateral Pool III”: The Group III Mortgage Loans.

“Collection Account”: The account or accounts created and maintained by the Master Servicer pursuant to Section 3.10(a), which shall be entitled, “CitiMortgage, Inc., as Master Servicer for U.S. Bank National Association, as Trustee, in trust for the registered holders of Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8.” The Collection Account must be an Eligible Account.

“Commission”: The Securities and Exchange Commission.  

“Compensating Interest Payment”: With respect to each Collateral Pool and the CitiMortgage Mortgage Loans in such Collateral Pool and any prepayment in full or in part, an amount equal to the lesser of (i) the amount by which one month’s interest on the amount of principal so prepaid at the related Mortgage Rate net of the related servicing fee exceeds all amounts allocable to interest received in connection with such prepayment and (ii) the aggregate amount of servicing compensation received by CitiMortgage in respect of the 

 

Mortgage Loans in such Collateral Pool for the applicable calendar month.  With respect to each Collateral Pool and the Countrywide Mortgage Loans in such Collateral Pool and any prepayment in full or in part, an amount equal to the lesser of one half of (a) one-twelfth of the product of (i) the weighted average servicing fee rate percentage for such Mortgage Loans as set forth in the applicable Initial Sub-Servicing Agreement and (ii) the Stated Principal Balance of such Mortgage Loans and (b) the aggregate servicing fee actually received for the applicable month for such Mortgage Loans pursuant to the applicable Initial Sub-Servicing Agreement. With respect to each Collateral Pool and the GMAC Mortgage Loans in such Collateral Pool and any prepayment in full or in part, an amount equal to the lesser of (a) one-twelfth of the product of (i) the weighted average servicing fee rate percentage for such
Mortgage Loans as set forth in the applicable Initial Sub-Servicing Agreement and (ii) the Stated Principal Balance of such Mortgage Loans and (b) the aggregate servicing fee actually received for the applicable month for such Mortgage Loans pursuant to the applicable Initial Sub-Servicing Agreement. With respect to each Collateral Pool and the National City Mortgage Loans in such Collateral Pool and any prepayment in full or in part, an amount equal to the amount of interest (net of the related servicing fee rate), each as set forth in the applicable Initial Sub-Servicing Agreement, that would have accrued on the amount of the principal prepayment during the period commencing on the date as of which such principal prepayment was applied to the related mortgage loans and ending on the day immediately preceding the applicable due date for the next scheduled monthly payment.  With respect to each Collateral Pool and the PHH Mortgage Loans in such Collateral Pool and any prepayment in
full or in part, an amount equal to the lesser of (i) the aggregate amount of shortfall in interest collections that are attributable to principal prepayments during the related Prepayment Period and (ii) the total amount of servicing compensation that would be payable to PHH in respect of the Mortgage Loans in such Collateral Pool if no principal prepayment were made during the prepayment period for the applicable distribution date.  With respect to each Collateral Pool and the SunTrust Mortgage Loans in such Collateral Pool and any prepayment in full or in part, an amount equal to the lesser of (i) an amount which, when added to all amounts allocable to interest received in connection with such prepayment equals one month’s interest on the amount of principal so prepaid at the related Mortgage Rate net of the related servicing fee and (ii) the aggregate amount of servicing compensation received by SunTrust in respect of the mortgage loans in such Collateral Pool for the
applicable calendar month.  With respect to each Collateral Pool and the Wells Mortgage Loans in such Collateral Pool and any prepayment in full or in part, an amount which, when added to all amounts allocable to interest received in connection with such prepayment, equals one month’s interest on the amount of principal so prepaid at the related mortgage rate net of the related servicing fee rate (each as set forth in the applicable Initial Sub-Servicing Agreement). 

“Corporate Trust Office”:  The principal corporate trust office of the Trustee, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as the case may be, at which at any particular time its corporate trust business in connection with this Agreement shall be administered, which office at the date of the execution of this instrument is located at (i) with respect to the Trustee, U.S. Bank National Association, One Federal Street, 3rd Floor, Boston, Massachusetts 02110, Attention: Corporate Trust Services, or at such other address as the Trustee may designate from time to time by notice to the Certificateholders, the Depositor, the Master Servicer, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator and (ii) with respect to the Paying Agent, the Certificate Registrar
and the Authenticating Agent, Citibank, N.A., as Paying Agent, as Certificate Registrar or as Authenticating Agent, as the case may be, 388 Greenwich Street, 14th Floor, New York, New York  10013, or at such other address as the Paying Agent, the Certificate Registrar and the Authenticating Agent may designate from time to time by notice to the Certificateholders, the Depositor, the Master Servicer, the Trust Administrator and the Trustee.

 

 

“Corresponding Certificate”: With respect to each REMIC II-A Regular Interest listed below, the Class or Classes of Certificates listed below:

 

	
            
REMIC II-A Regular Interest
 
 	
            
Certificate
 
 
	
            LT-A1
 	
            Class II-A1 
 
	
            LT-A3
 	
            Class II-A3
 
	
            LT-A4A
 	
            Class II-A4A
 
	
            LT-A4B
 	
            Class II-A4B
 
	
            LT-A5
 	
            Class II-A5
 
	
            LT-B1
 	
            Class II-B1
 
	
            LT-B2
 	
            Class II-B2
 
	
            LT-B3
 	
            Class II-B3
 
	
            LT-B4
 	
            Class II-B4
 
	
            LT-B5
 	
            Class II-B5
 
	
            LT-B6
 	
            Class II-B6
 
	
            LT-IO
 	
            Class II-XS
 
	
            LT-PO
 	
            Class II-PO
 
	
            LT-R
 	
            Class II-R
 

 

“Countrywide”: Countrywide Home Loans, Inc. or its successor in interest.

“Countrywide Mortgage Loans”: The Mortgage Loans originated by Countrywide. 

 “Cross-Collateralization Date”:  With respect to Collateral Pool I, any Distribution Date on which there are one or more Undercollateralized Loan Groups and one or more Overcollateralized Loan Groups relating to such Collateral Pool.

“Custodian”: A document custodian appointed by the Trustee to perform (or in the case of the initial Custodian otherwise engaged to perform) custodial duties with respect to the Mortgage Files.  The initial Custodian is Citibank West, FSB. A Custodian may be the Trustee, any Affiliate of the Trustee or an independent entity.

“Custodial Agreement”: An agreement pursuant to which a Custodian performs  custodial duties with respect to the Mortgage Files. With respect to the initial Custodian, the applicable agreement pursuant to which the Initial Custodian performs its custodial duties with respect to the Mortgage Files.

“Cut-off Date”: With respect to each Original Mortgage Loan, October 1, 2005. With respect to all Qualified Substitute Mortgage Loans, their respective dates of substitution. References herein to the “Cut-off Date,” when used with respect to more than one Mortgage Loan, shall be to the respective Cut-off Dates for such Mortgage Loans.

“Debt Service Reduction”: With respect to any Mortgage Loan, a reduction in the scheduled Monthly Payment for such Mortgage Loan by a court of competent jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction resulting from a Deficient Valuation.

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

 

 

“Definitive Certificates”: As defined in Section 5.01(b).

“Deleted Mortgage Loan”: A Mortgage Loan replaced or to be replaced by a Qualified Substitute Mortgage Loan.

“Depositor”: Citigroup Mortgage Loan Trust Inc., a Delaware corporation, or its successor in interest.

“Depository”: The Depository Trust Company, or any successor Depository hereafter named. The nominee of the initial Depository, for purposes of registering those Certificates that are to be Book-Entry Certificates, is CEDE & Co. The Depository shall at all times be a “clearing corporation” as defined in Section 8-102(3) of the Uniform Commercial Code of the State of New York and a “clearing agency” registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934, as amended.

“Depository Institution”: Any depository institution or trust company, including the Trustee and the Trust Administrator, that (a) is incorporated under the laws of the United States of America or any State thereof, (b) is subject to supervision and examination by federal or state banking authorities and (c) has, or is a subsidiary of a holding company that has, an outstanding unsecured commercial paper or other short-term unsecured debt obligations that are rated in the highest rating category by at least two of the Rating Agencies (or a comparable rating if S&P, Fitch and Moody’s are not the Rating Agencies).

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

“Determination Date”: With respect to each Distribution Date, the 18th day of the calendar month in which such Distribution Date occurs or, if such 18th day is not a Business Day, the Business Day immediately following such 18th day; provided, however, that with respect to each Distribution Date and any Mortgage Loans subject to an Initial Sub-Servicing Agreement, the Determination Date shall be the date, relating to such Distribution Date, after which any Monthly Payments received are not reported by the related Sub-Servicer as having been received for inclusion in the amounts remitted by such Sub-Servicer on the related remittance date under the applicable Sub-Servicing Agreement in respect of Monthly Payments on the related Mortgage Loans.

“Directly Operate”: With respect to any REO Property, the furnishing or rendering of services to the tenants thereof, the management or operation of such REO Property, the holding of such REO Property primarily for sale to customers, the performance of any construction work thereon or any use of such REO Property in a trade or business conducted by REMIC I-A, REMIC II-A or REMIC III-A, other than through an Independent Contractor; provided, however, that the Trustee (or the Master Servicer on behalf of the Trustee) shall not be considered to Directly Operate an REO Property solely because the Trustee (or the Master Servicer on behalf of the Trustee) establishes rental terms, chooses tenants, enters into or renews leases, deals with taxes and insurance, or makes decisions as to repairs or capital expenditures with respect to such REO Property.

“Disqualified Organization”: Any of the following: (i) the United States, any State or political subdivision thereof, any possession of the United States, or any agency or instrumentality of any of the foregoing (other than an instrumentality which is a corporation if all of its activities are subject to tax and, except for Freddie Mac, a majority of its board of directors is not selected by such governmental unit), (ii) any 

 

foreign government, any international organization, or any agency or instrumentality of any of the foregoing, (iii) any organization (other than certain farmers’ cooperatives described in Section 521 of the Code) which is exempt from the tax imposed by Chapter 1 of the Code (including the tax imposed by Section 511 of the Code on unrelated business taxable income), (iv) rural electric and telephone cooperatives described in Section 1381(a)(2)(C) of the Code, (v) an “electing large partnership” within the meaning of Section 775 of the Code and (vi) any other Person so designated by the Trustee based upon an Opinion of Counsel that the holding of an Ownership Interest in a Residual Certificate by such Person may cause any REMIC or any Person having an Ownership Interest in any Class of Certificates (other than such Person) to incur a liability for any federal tax imposed under the Code that
would not otherwise be imposed but for the Transfer of an Ownership Interest in a Residual Certificate to such Person. The terms “United States,” “State” and “international organization” shall have the meanings set forth in Section 7701 of the Code or successor provisions.

“Distribution Account”: The trust account or accounts created and maintained by the Paying Agent pursuant to Section 3.10(b) which shall be entitled “Citibank, N.A., as Paying Agent, in trust for the registered holders of Citigroup Mortgage Loan Trust Inc., Mortgage Pass- Through Certificates, Series 2005-8.” The Distribution Account must be an Eligible Account.

“Distribution Date”: The 25th day of any month, or if such 25th day is not a Business Day, the Business Day immediately following such 25th day, commencing in November 2005.

“Diverted Interest Amount”: With respect to Collateral Pool I and any Distribution Date, one month’s interest accrued during the related Interest Accrual Period on the Overcollateralized Amount at the Pass-Through Rate for the Class A Certificates related to the Undercollateralized Loan Group or Undercollateralized Loan Groups and any other unpaid interest shortfalls on the Class A Certificates related to the such Undercollateralized Loan Group or Undercollateralized Loan Groups, to the extent available (with overcollateralization calculated, for purposes of this definition, as of the prior Distribution Date after taking into account all distributions and Realized Loss allocations that occurred on such prior Distribution Date). On any Distribution Date, any Diverted Interest Amount will be diverted to the Available Distribution Amounts of any Undercollateralized Loan Groups
on a pro rata basis based on their respective Undercollateralized Amounts. On any Distribution Date, any Diverted Interest Amount will be diverted from the Available Distribution Amounts of any Overcollateralized Loan Groups on a pro rata basis based on their respective Overcollateralized Amounts.

“DOL”: The United States Department of Labor or any successor in interest.

“DOL Regulations”: The regulations promulgated by the DOL at 29 C.F.R.ss.2510.3-101.

“Due Date”: With respect to each Distribution Date, the first day of the calendar month in which such Distribution Date occurs, which is the day of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive of any days of grace.

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

“Eligible Account”: Any of (i) an account or accounts maintained with a Depository Institution, (ii) an account or accounts the deposits in which are fully insured by the FDIC or (iii) a trust account or 

 

accounts maintained with the corporate trust department of a federal or state chartered depository institution or trust company acting in its fiduciary capacity. Eligible Accounts may bear interest.

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

“Estate in Real Property”: A fee simple estate in a parcel of land.

“Excess Bankruptcy Loss”: With respect to any Collateral Pool, any Bankruptcy Loss, or portion thereof, which exceeds the then applicable Bankruptcy Amount.

“Excess Fraud Loss”: With respect to any Collateral Pool, any Fraud Loss, or portion thereof, which exceeds the then applicable Fraud Loss Amount.

“Excess Loss”: With respect to any Collateral Pool, any Excess Bankruptcy Loss, Excess Special Hazard Loss, Excess Fraud Loss or Extraordinary Loss.

“Excess Special Hazard Loss”: With respect to any Collateral Pool, any Special Hazard Loss, or portion thereof, that exceeds the then applicable Special Hazard Amount. 

“Expense Adjusted Mortgage Rate”:  With respect to any Mortgage Loan (or the related REO Property) as of any date of determination, a per annum rate of interest equal to the then applicable Mortgage Rate for such Mortgage Loan minus the sum of the (i) the applicable Servicing Fee Rate, (ii) the Administration Fee Rate and (iii) the rate at which any lender-paid primary mortgage insurance premiums accrue.

“Extraordinary Loss”: Any Realized Loss or portion thereof caused by or resulting from:

(i)         nuclear or chemical reaction or nuclear radiation or radioactive or chemical contamination, all whether controlled or uncontrolled and whether such loss be direct or indirect, proximate or remote or be in whole or in part caused by, contributed to or aggravated by a peril covered by the definition of the term “Special Hazard Loss”

(ii)         hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack by any  government or sovereign power, de jure or de facto, or by any authority maintaining or using military, naval or air forces, or by military, naval or air forces, or by an agent of any such government, power, authority or forces;

(iii)        any weapon of war employing atomic fission or radioactive forces whether in time of peace or war, and

(iv)        insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority, or risks of contraband or illegal transactions or trade.

“Extraordinary Trust Fund Expenses”: Any amounts reimbursable to the Master Servicer or the Depositor pursuant to Section 6.03, any amounts payable from the Distribution Account in respect of taxes pursuant to Section 10.01(g)(iii), any amounts reimbursable to the Trustee, the Trust Administrator, Citibank or a Custodian from the Trust Fund pursuant to Section 2.01 or Section 8.05 and any other costs, expenses, 

 

liabilities and losses borne by the Trust Fund (exclusive of any cost, expense, liability or loss that is specific to a particular Mortgage Loan or REO Property and is taken into account in calculating a Realized Loss in respect thereof) for which the Trust Fund has not and, in the reasonable good faith judgment of the Trust Administrator, shall not, obtain reimbursement or indemnification from any other Person.

“Fannie Mae”: Fannie Mae, formerly known as the Federal National Mortgage Association, or any successor thereto.

“FDIC”: Federal Deposit Insurance Corporation or any successor thereto.

“Final Recovery Determination”: With respect to any defaulted Mortgage Loan or any REO Property (other than a Mortgage Loan or REO Property purchased by the Seller, the Depositor or the Master Servicer pursuant to or as contemplated by Section 2.03 or Section 9.01), a determination made by the Master Servicer that all Liquidation Proceeds have been recovered. The Master Servicer shall maintain records of each Final Recovery Determination made thereby.

“Fitch”:  Fitch Ratings, or its successor in interest.

“Floater Cap Carryover Amount”:  With respect to the Class II-A1 Certificates and any Distribution Date, the sum of (A) the excess, if any, of (i) the amount of interest accrued on such Class of Certificates for such Distribution Date calculated at the Floater Formula Rate for such Class and such Distribution Date over (ii) the amount of interest accrued on such Class of Certificates for such Distribution Date calculated at the related Pass-Through Rate for such Class and such Distribution Date and (B) the Floater Cap Carryover Amount for the previous Distribution Date remaining unpaid on such previous Distribution Date, together with interest thereon at a rate equal to the Floater Formula Rate for the most recently ended Interest Accrual Period.

“Floater Cap Reserve Account”:  The account established and maintained pursuant to Section 3.26. 

“Floater Certificates”:  The Class II-A1 Certificates.

“Floater Formula Rate”:  A per annum rate equal to One-Month LIBOR plus 0.700% per annum, subject to a floor equal to 0.700% per annum.

“Fraud Loss”: Any Realized Loss or portion thereof sustained by reason of a default arising from intentional fraud, dishonesty or misrepresentation in connection with the related Mortgage Loan, including by reason of the denial of coverage under any related Primary Mortgage Insurance Policy because of fraud, dishonesty or misrepresentation.

“Fraud Loss Amount”: With respect to Collateral Pool I, as of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the third anniversary of the Cut-off Date, 1.00% of the aggregate outstanding principal balance of the Group I Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses on the Group I Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the Cut-off Date up to such date of determination and (Y) from the third anniversary of the Cut-off Date and prior to the fifth anniversary of the Cut-off Date, (1) the lesser of (a) the related Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 0.50% of the aggregate outstanding principal balance of the Group I Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses on the Group I Mortgage Loans all
ocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount with respect to Collateral Pool I shall be zero. In addition, after the Certificate Principal Balances of the related Subordinate Certificates are reduced to zero, the Fraud Loss Amount with respect to Collateral Pool I shall be zero. 

 

 

With respect to Collateral Pool II, as of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the second anniversary of the Cut-off Date, 3.00% of the aggregate outstanding principal balance of the Group II Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses on the Group II Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the Cut-off Date up to such date of determination; (Y) from the second anniversary of the Cut-off Date and prior to the third anniversary of the Cut-off Date, (1) the lesser of (a) the related Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 2.00% of the aggregate outstanding principal balance of the Group II Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses on the Group II
Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the most recent anniversary of the Cut-off Date up to such date of determination and (Z) from the third anniversary of the Cut-off Date and prior to the fifth anniversary of the Cut-off Date, (1) the lesser of (a) the related Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of the Group II Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses on the Group II Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount with respect to Collateral Pool II shall be zero. In addition, after the Certificate Principal Balances of the related Subordinate
Certificates are reduced to zero, the Fraud Loss Amount with respect to Collateral Pool II shall be zero.

With respect to Collateral Pool III, as of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the second anniversary of the Cut-off Date, 3.00% of the aggregate outstanding principal balance of the Group III Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses on the Group III Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the Cut-off Date up to such date of determination; (Y) from the second anniversary of the Cut-off Date and prior to the third anniversary of the Cut-off Date, (1) the lesser of (a) the related Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 2.00% of the aggregate outstanding principal balance of the Group III Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses on the Group I
Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the most recent anniversary of the Cut-off Date up to such date of determination; and (Z) from the third anniversary of the Cut-off Date and prior to the fifth anniversary of the Cut-off Date, (1) the lesser of (a) the related Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of the Group III Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses on the Group I Mortgage Loans allocated solely to the related Subordinate Certificates in accordance with Section 4.04 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount with respect to Collateral Pool III shall be zero. In addition, after the 

 

Certificate Principal Balances of the related Subordinate Certificates are reduced to zero, the Fraud Loss Amount with respect to Collateral Pool I shall be zero.

“Freddie Mac”: Freddie Mac, formally known as the Federal Home Loan Mortgage Corporation, or any successor thereto.

“GMAC”: GMAC Mortgage Corporation or its successor in interest.

“GMAC Mortgage Loans”: The Mortgage Loans sub-serviced by GMAC.

“Gross Margin”: With respect to each Adjustable-Rate Mortgage Loan, the fixed percentage set forth in the related Mortgage Note that is added to the Index on each Adjustment Date in accordance with the terms of the related Mortgage Note used to determine the Mortgage Rate for such Mortgage Loan.

“Group I Available Distribution Amount”:  With respect to any Distribution Date and any Loan Group within Collateral Pool I, an amount equal to the excess of (i) the sum attributable to the related Group I Mortgage Loans of (a) the aggregate of the Monthly Payments due on or before the Due Date relating to such Distribution Date and received by the Master Servicer (or a Sub-Servicer on its behalf) on or prior to the related Determination Date, after deduction of the applicable Servicing Fee and the Administration Fee (b) Liquidation Proceeds, Insurance Proceeds, Principal Prepayments, proceeds from repurchases of and substitutions for the related Group I Mortgage Loans, Subsequent Recoveries and other unscheduled collections of principal and interest in respect of the related Group I Mortgage Loans or REO Properties received by the Servicer during the related Prepayment Period
(exclusive of any prepayment charges, penalties or premiums), (c) the aggregate of any amounts on deposit in the Distribution Account representing Compensating Interest Payment paid by the Master Servicer in respect of related Prepayment Interest Shortfalls relating to Principal Prepayments that occurred during the related Prepayment Period and (d) the aggregate of any P&I Advances made by the Master Servicer for such Distribution Date over (ii) the sum attributable to or allocable to the related Group I Mortgage Loans of (a) amounts reimbursable to the Depositor, the Master Servicer, the Trustee, the Trust Administrator, Citibank or a Custodian pursuant to Section 6.03 or Section 8.05 or otherwise payable in respect of Extraordinary Trust Fund Expenses, (b) amounts in respect of the items set forth in clauses (i)(a) through (i)(d) above deposited in the Collection Account or the Distribution Account in respect of the items set forth in clauses (i)(a) through (i)(d) above in
error, (c) without duplication, any amounts in respect of the items set forth in clauses (i)(a) and (i)(b) permitted hereunder to be retained by the Master Servicer or to be withdrawn by the Master Servicer from the Collection Account pursuant to Section 3.18. 

Notwithstanding the foregoing, the Group I Available Distribution Amount for any Distribution Date shall be increased (in the case of an Undercollateralized Loan Group) or decreased (in the case of an Overcollateralized Loan Group) by any applicable Diverted Interest Amount or Class A Principal Adjustment Amount, in each case for such Distribution Date.

Provided, that, on any Distribution Date on which there are Group I Class A Certificates relating to only one Loan Group remaining outstanding, the Group I Available Distribution Amount for that Distribution Date will be calculated on an aggregate Collateral Pool I basis, without regard to the related Loan Group. 

“Group I Certificates”: The Group I Senior Certificates and the Group I Subordinate Certificates.

 

 

“Group I Class A Certificates”: The Class I-A1A Certificates, the Class I-A1B Certificates, the Class I-A2A Certificates, the Class I-A2B Certificates, the Class I-A3A Certificates, the Class I-A3B Certificates, the Class I-A4A Certificates and the Class I-A4B Certificates.

“Group I Mortgage Loans”: Each mortgage loan identified as such on the attached Mortgage Loan Schedule.

“Group I-1 Mortgage Loans”:  Each Loan identified as such on the Mortgage Loan Schedule.

“Group I-2 Mortgage Loans”:  Each Loan identified as such on the Mortgage Loan Schedule.

“Group I-3 Mortgage Loans”:  Each Loan identified as such on the Mortgage Loan Schedule.

“Group I-4 Mortgage Loans”:  Each Loan identified as such on the Mortgage Loan Schedule.

“Group I Senior Certificates”: The Group I Class A Certificates and the Class I-R Certificates.

“Group I Senior Percentage”: With respect to any Distribution Date and any Loan Group included in Collateral Pool I, the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the related Group I Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group I Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the related Group I Mortgage Loans, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group, in each case before reduction for any Realized Losses on such Distribution Date. 

Notwithstanding the foregoing, on any Cross-Collateralization Date on which (x) the sum of (i) the aggregate Scheduled Principal Balance of the related Group I Mortgage Loans, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related loan group, in each case before reduction for any Realized Losses on such Distribution Date exceeds (y) the excess, if any, of the Certificate Principal Balance of the related Group I Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group I Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” the Group I Senior Percentage will equal the lesser of (a) 100% and (b) fraction, expressed as a percentage, the numerator of which is the sum of (i) the excess, if any, of the Certificate
Principal Balance of the related Group I Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group I Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” plus (ii) the portion of the Overcollateralized Amount with respect to Collateral Pool I, and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the related Group I Mortgage Loans, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in related loan group, in each case before reduction for any Realized Losses on such Distribution Date. On any Distribution Date after the reduction of the Certificate Principal Balances of all but one of the related Group I Class A Certificates to zero, the Group I Senior Percentage for that Loan Group will be the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is
the excess, if any, of the Certificate Principal Balance of the related Group I Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the related Group I Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal 

 

Distribution Amount,” and the denominator of which is the sum of (i) the aggregate Scheduled Principal Balance of the Group I Mortgage Loans, plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in Collateral Pool I, in each case before reduction for any Realized Losses on such Distribution Date.

“Group I Senior Prepayment Percentage”: With respect to any Distribution Date and any Group I Class A Certificates within the range indicated below, the percentage as indicated below:

	
            
Distribution Date
 
 	
            
Group I Senior Prepayment Percentage
 
 
	
            November 2005 through October 2012
 	
            100%
 
	
            November 2012 through October 2013
 	
            Group I Senior Percentage, plus 70% of the Group I Subordinate Percentage
 
	
            November 2013 through October 2014
 	
            Group I Senior Percentage, plus 60% of the Group I Subordinate Percentage
 
	
            November 2014 through October 2015
 	
            Group I Senior Percentage, plus 40% of the Group I Subordinate Percentage
 
	
            November 2015 through October 2016
 	
            Group I Senior Percentage, plus 20% of the Group I Subordinate Percentage
 
	
            November 2016 and thereafter
 	
            Group I Senior Percentage;
 

 

provided, however, no reduction to the Group I Senior Prepayment Percentage described above shall be made as of any Distribution Date unless (i) the outstanding principal balance of the Group I Mortgage Loans delinquent 60 days or more (including REO Properties and Mortgage Loans in foreclosure) averaged over the last six months does not exceed 50% of the sum of the then current Certificate Principal Balances of the Group I Subordinate Certificates and (ii) Realized Losses on the Group I Mortgage Loans to date are less than the then applicable Trigger Amount.

On any Distribution Date on which Realized Losses on the Group I Mortgage Loans to date are greater than the then applicable Trigger Amount, the Group I Senior Prepayment Percentage for each Loan Group within Collateral Pool I will be the greater of (x) the related Group I Senior Prepayment Percentage for such Distribution Date or (y) the related Group I Senior Prepayment Percentage for the immediately preceding Distribution Date.

Notwithstanding the above, if on any Distribution Date (a) the Aggregate Subordinate Percentage, prior to giving effect to any distributions on such Distribution Date, equals or exceeds two times the initial Aggregate Subordinate Percentage as of the Cut-Off Date  for Collateral Pool I, (b) the provisions of clause (i) of the second preceding paragraph are met and (c) (i) on or prior to the Distribution Date occurring in October 2008, cumulative Realized Losses on the Group I Mortgage Loans as of the end of the related Prepayment Period do not exceed 20% of the initial aggregate Certificate Principal Balance of the Group I Subordinate Certificates and (ii) after the Distribution Date occurring in October 2008, cumulative Realized Losses on the Group I Mortgage Loans as of the end of the Prepayment Period do not exceed 30% of the initial aggregate Certificate Principal Balance of the Group
I Subordinate Certificates, then the Group I Senior Prepayment Percentage for such Distribution Date and each Loan Group within Collateral Pool I will equal the related Group I Senior Percentage plus 50% of the Group I Subordinate Percentage for such Distribution Date, if such Distribution Date is prior to November 2008, and will equal the related Group I Senior Percentage for such Distribution Date, if such Distribution Date occurs on or after November 2008.

 

 

On any Distribution Date on which the Aggregate Senior Percentage for Collateral Pool I exceeds the initial Aggregate Senior Percentage for Collateral Pool I, the Group I Senior Prepayment Percentage for each Loan Group within Collateral Pool I shall be 100%.

Upon reduction of the Certificate Principal Balances of the related Group I Class A Certificates to zero, the Group I Senior Prepayment Percentage for the related Loan Group shall be 0%.

“Group I Subordinate Certificates”: The Class I-B1 Certificates, the Class I-B2 Certificates, the Class I-B3 Certificates, the Class I-B4 Certificates, the Class I-B5 Certificates and the Class I-B6 Certificates.

“Group I Subordinate Percentage”:  With respect to any Loan Group within Collateral Pool I and any Distribution Date, 100% minus the Group I Senior Percentage for that Loan Group and Distribution Date. 

“Group I Subordinate Prepayment Percentage”:  With respect to any Loan Group within Collateral Pool I and a Distribution Date, 100% minus the related Group I Senior Prepayment Percentage for that Loan Group and Distribution Date. 

“Group II Available Distribution Amount”:  With respect to any Distribution Date and Collateral Pool II, an amount equal to the excess of (i) the sum attributable to the Group II Mortgage Loans of (a) the aggregate of the Monthly Payments due on or before the Due Date relating to such Distribution Date and received by the Master Servicer (or a Sub-Servicer on its behalf) on or prior to the related Determination Date, after deduction of the applicable Servicing Fee and the Administration Fee (b) Liquidation Proceeds, Insurance Proceeds, Principal Prepayments, proceeds from repurchases of and substitutions for the Group II Mortgage Loans, Subsequent Recoveries and other unscheduled collections of principal and interest in respect of the Group II Mortgage Loans or REO Properties received by the Servicer during the related Prepayment Period (exclusive of any prepayment charges,
penalties or premiums), (c) the aggregate of any amounts on deposit in the Distribution Account representing Compensating Interest Payment paid by the Master Servicer in respect of related Prepayment Interest Shortfalls relating to Principal Prepayments that occurred during the related Prepayment Period and (d) the aggregate of any P&I Advances made by the Master Servicer for such Distribution Date over (ii) the sum attributable to or allocable to the Group II Mortgage Loans of (a) amounts reimbursable to the Depositor, the Master Servicer, the Trustee, the Trust Administrator, Citibank or a Custodian pursuant to Section 6.03 or Section 8.05 or otherwise payable in respect of Extraordinary Trust Fund Expenses, (b) amounts in respect of the items set forth in clauses (i)(a) through (i)(d) above deposited in the Collection Account or the Distribution Account in respect of the items set forth in clauses (i)(a) through (i)(d) above in error, (c) without duplication, any amounts in
respect of the items set forth in clauses (i)(a) and (i)(b) permitted hereunder to be retained by the Master Servicer or to be withdrawn by the Master Servicer from the Collection Account pursuant to Section 3.18. 

“Group II Certificates”: The Group II Senior Certificates and the Group II Subordinate Certificates.

“Group II Class A Certificates”: The Class II-A1 Certificates, the Class II-A2 Certificates, the Class II-A3 Certificates, the Class II-A4A Certificates, the Class II-A4B Certificates and the Class II-A5 Certificates. 

“Group II Mortgage Loans”: The Mortgage Loans identified as such on the attached Mortgage Loan Schedule.

 

 

“Group II Senior Certificates”: The Class II-A1 Certificates, the Class II-A2 Certificates, the Class II-A3 Certificates, the Class II-A4A Certificates, the Class II-A4B Certificates and the Class II-A5 Certificates, the Class II-XS Certificates, the Class II-PO Certificates and the Class II-R Certificates.   

 

“Group II Senior Percentage”: With respect to any Distribution Date, the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Group II Class A Certificates (other than the Class II-A2 Certificates) for such Distribution Date over the aggregate amount, if any, payable to the Holders of the Group II Class A Certificates (other than the Class II-A2 Certificates) on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” and the denominator of which is the sum of (i) the aggregate of the Non-Class PO Percentages of the Scheduled Principal Balances of the Group II Mortgage Loans, plus (ii) the aggregate of the Non-Class PO Percentages of the Scheduled Principal Balances of the REO Properties in Collateral Pool II, in each case
before reduction for any Realized Losses on such Distribution Date.

“Group II Senior Prepayment Percentage”: With respect to any Distribution Date within the range indicated below, the percentage as indicated below:

	
            
Distribution Date
 
 	
            
Group II Senior Prepayment Percentage
 
 
	
            November 2005 through October 2010
 	
            100%
 
	
            November 2010 through October 2011
 	
            Group II Senior Percentage, plus 70% of the Group II Subordinate Percentage
 
	
            November 2011 through October 2012
 	
            Group II Senior Percentage, plus 60% of the Group II Subordinate Percentage
 
	
            November 2012 through October 2013
 	
            Group II Senior Percentage, plus 40% of the Group II Subordinate Percentage
 
	
            November 2013 through October 2014
 	
            Group II Senior Percentage, plus 20% of the Group II Subordinate Percentage
 
	
            November 2014 and thereafter
 	
            Group II Senior Percentage;
 
			

 

provided, however, no reduction to the Group II Senior Prepayment Percentage described above shall be made as of any Distribution Date unless (i) the outstanding principal balance of the Group II Mortgage Loans delinquent 60 days or more (including REO Properties and Mortgage Loans in foreclosure) averaged over the last six months does not exceed 50% of the sum of the then current Certificate Principal Balances of the Group II Subordinate Certificates and (ii) Realized Losses on the Group II Mortgage Loans to date are less than the then applicable Trigger Amount.

On any Distribution Date on which Realized Losses on the Group II Mortgage Loans to date are greater than the then applicable Trigger Amount, the Group II Senior Prepayment Percentage will be the greater of (x) the Group II Senior Prepayment Percentage for such Distribution Date or (y) the Group II Senior Prepayment Percentage for the immediately preceding Distribution Date.

On any Distribution Date on which the Group II Senior Percentage exceeds the initial Group II Senior Percentage, the Group II Senior Prepayment Percentage shall be 100%.

Upon reduction of the Certificate Principal Balances of the Group II Class A Certificates (other than the Class II-A2 Certificates) to zero, the Group II Senior Prepayment Percentage shall be 0%.

 

 

“Group II Subordinate Certificates”: The Class II-B1 Certificates, the Class II-B2 Certificates, the Class II-B3 Certificates, the Class II-B4 Certificates, the Class II-B5 Certificates and the Class II-B6 Certificates.

“Group II Subordinate Percentage”: For any Distribution Date, 100% minus the Group II Senior Percentage.

“Group II Subordinate Prepayment Percentage”: For any Distribution Date, 100% minus the Group II Senior Prepayment Percentage.

“Group III Available Distribution Amount”:  With respect to any Distribution Date, an amount equal to the excess of (i) the sum attributable to the related Group III Mortgage Loans of (a) the aggregate of the Monthly Payments due on or before the Due Date relating to such Distribution Date and received by the Master Servicer (or a Sub-Servicer on its behalf) on or prior to the related Determination Date, after deduction of the applicable Servicing Fee and the Administration Fee (b) Liquidation Proceeds, Insurance Proceeds, Principal Prepayments, proceeds from repurchases of and substitutions for the Group III Mortgage Loans, Subsequent Recoveries and other unscheduled collections of principal and interest in respect of the Group III Mortgage Loans or REO Properties received by the Servicer during the related Prepayment Period (exclusive of any prepayment charges, penalties or
premiums), (c) the aggregate of any amounts on deposit in the Distribution Account representing Compensating Interest Payment paid by the Master Servicer in respect of related Prepayment Interest Shortfalls relating to Principal Prepayments that occurred during the related Prepayment Period and (d) the aggregate of any P&I Advances made by the Master Servicer for such Distribution Date over (ii) the sum attributable to or allocable to the Group III Mortgage Loans of (a) amounts reimbursable to the Depositor, the Master Servicer, the Trustee, the Trust Administrator, Citibank or a Custodian pursuant to Section 6.03 or Section 8.05 or otherwise payable in respect of Extraordinary Trust Fund Expenses, (b) amounts in respect of the items set forth in clauses (i)(a) through (i)(d) above deposited in the Collection Account or the Distribution Account in respect of the items set forth in clauses (i)(a) through (i)(d) above in error, (c) without duplication, any amounts in respect of the
items set forth in clauses (i)(a) and (i)(b) permitted hereunder to be retained by the Master Servicer or to be withdrawn by the Master Servicer from the Collection Account pursuant to Section 3.18. 

“Group III Certificates”: The Group III Senior Certificates and the Group III Subordinate Certificates.

“Group III Class A Certificates”: The Class III-A1 Certificates.

“Group III Mortgage Loans”: Each mortgage loan identified as such on the attached Mortgage Loan Schedule.

“Group III Senior Certificates”: The Class III-A1 Certificates, the Class III-XS Certificates, the Class III-PO Certificates and the Class III-R Certificates.

“Group III Senior Percentage”: With respect to any Distribution Date, the lesser of (a) 100% and (b) a fraction, expressed as a percentage, the numerator of which is the excess, if any, of the aggregate Certificate Principal Balance of the Group III Class A Certificates for such Distribution Date over the aggregate amount, if any, payable to the Holders of the Group III Class A Certificates on such date pursuant to clause (d) of the definition of “Senior Principal Distribution Amount,” and the denominator of which is the sum of (i) the 

 

aggregate of the Non-Class PO Percentages of the Scheduled Principal Balances of the Group III Mortgage Loans, plus (ii) the aggregate of the Non-Class PO Percentages of the Scheduled Principal Balances of the REO Properties in Collateral Pool III, in each case before reduction for any Realized Losses on such Distribution Date.

“Group III Senior Prepayment Percentage”: With respect to any Distribution Date within the range indicated below, the percentage as indicated below:

	
            
Distribution Date
 
 	
            
Group III Senior Prepayment Percentage
 
 
	
            November 2005 through October 2010
 	
            100%
 
	
            November 2010 through October 2011
 	
            Group III Senior Percentage, plus 70% of the Group III Subordinate Percentage
 
	
            November 2011 through October 2012
 	
            Group III Senior Percentage, plus 60% of the Group III Subordinate Percentage
 
	
            November 2012 through October 2013
 	
            Group III Senior Percentage, plus 40% of the Group III Subordinate Percentage
 
	
            November 2013 through October 2014
 	
            Group III Senior Percentage, plus 20% of the Group III Subordinate Percentage
 
	
            November 2015 and thereafter
 	
            Group III Senior Percentage;
 

 

provided, however, no reduction to the Group III Senior Prepayment Percentage described above shall be made as of any Distribution Date unless (i) the outstanding principal balance of the Group III Mortgage Loans delinquent 60 days or more (including REO Properties and Mortgage Loans in foreclosure) averaged over the last six months does not exceed 50% of the sum of the then current Certificate Principal Balances of the Group III Subordinate Certificates and (ii) Realized Losses on the Group III Mortgage Loans to date are less than the then applicable Trigger Amount.

On any Distribution Date on which Realized Losses on the Group III Mortgage Loans to date are greater than the then applicable Trigger Amount, the Group III Senior Prepayment Percentage will be the greater of (x) the related Group III Senior Prepayment Percentage for such Distribution Date or (y) the related Group III Senior Prepayment Percentage for the immediately preceding Distribution Date.

On any Distribution Date on which the Group III Senior Percentage exceeds the initial Group III Senior Percentage, the Group III Senior Prepayment Percentage shall be 100%.

Upon reduction of the Certificate Principal Balances of the Group III Class A Certificates to zero, the Group III Senior Prepayment Percentage shall be 0%.

“Group III Subordinate Certificates”: The Class III-B1 Certificates, the Class III-B2 Certificates, the Class III-B3 Certificates, the Class III-B4 Certificates, the Class III-B5 Certificates and the Class III-B6 Certificates.

“Group III Subordinate Percentage”:  For any Distribution Date, 100% minus the Group III Senior Percentage. 

“Group III Subordinate Prepayment Percentage”:  For any Distribution Date, 100% minus the related Group III Senior Prepayment Percentage. 

 

 

“Independent”: When used with respect to any specified Person, any such Person who (a) is in fact independent of the Depositor, the Master Servicer and their respective Affiliates, (b) does not have any direct financial interest in or any material indirect financial interest in the Depositor, the Master Servicer or any Affiliate thereof, and (c) is not connected with the Depositor, the Master Servicer or any Affiliate thereof as an officer, employee, promoter, underwriter, trustee, partner, director or Person performing similar functions; provided, however, that a Person shall not fail to be Independent of the Depositor, the Master Servicer or any Affiliate thereof merely because such Person is the beneficial owner of 1% or less of any class of securities issued by the Depositor or the Master Servicer or any Affiliate thereof, as the case may be.

“Independent Contractor”: Either (i) any Person (other than the Master Servicer) that would be an “independent contractor” with respect to any REMIC within the meaning of Section 856(d)(3) of the Code if any REMIC were a real estate investment trust (except that the ownership tests set forth in that section shall be considered to be met by any Person that owns, directly or indirectly, 35% or more of any Class of Certificates), so long as any REMIC does not receive or derive any income from such Person and provided that the relationship between such Person and any REMIC is at arm’s length, all within the meaning of Treasury Regulation Section 1.856-4(b)(5), or (ii) any other Person (including the Master Servicer) if the Trust Administrator  has received an Opinion of Counsel for the benefit of the Trustee and the Trust Administrator to the effect that the taking of
any action in respect of any REO Property by such Person, subject to any conditions therein specified, that is otherwise herein contemplated to be taken by an Independent Contractor will not cause such REO Property to cease to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code (determined without regard to the exception applicable for purposes of Section 860D(a) of the Code), or cause any income realized in respect of such REO Property to fail to qualify as Rents from Real Property.

“Index”: With respect to any Adjustable-Rate Mortgage Loan, the index for the adjustment of the Mortgage Rate set forth as such on the related Mortgage Note.

“Initial Sub-Servicing Agreement”: With respect to the Countrywide Mortgage Loans, the Amended and Restated Master Mortgage Loan Purchase and Servicing Agreement, dated December 15, 2003, between Countrywide and the Seller, as modified as of the date hereof with respect to the Countrywide Mortgage Loans in the Trust Fund. With respect to the SunTrust Mortgage Loans, the Amended and Restated Master Mortgage Loan Purchase and Servicing Agreement dated as of July 1, 2005, as modified as of the date hereof with respect to the SunTrust Mortgage Loans in the Trust Fund.  With respect to the American Home Mortgage Loans, the Master Mortgage Loan Purchase and Servicing Agreement dated as of September 1, 2005, as modified as of the date hereof with respect to the American Home Mortgage Loans in the Trust Fund.  With respect to the Wells Mortgage Loans, the Seller’s Warranties and
Servicing Agreement, dated as of September 1, 2005, relating to the WFHM 2005-W77 Mortgage Loans, and the Seller’s Warranties and Servicing Agreement, dated as of October 1, 2005, relating to the WFHM 2005-W82 Mortgage Loans, each as modified as of the date hereof with respect to the applicable Wells Mortgage Loans in the Trust Fund.  With respect to the PHH Mortgage Loans, the Mortgage Loan Flow Purchase, Sale and Servicing Agreement dated as of February 24, 2005, as modified as of the date hereof with respect to the PHH Mortgage Loans in the Trust Fund.  With respect to the National City Mortgage Loans, the Amended and Restated Master Seller’s Warranties and Servicing Agreement, dated as of September 1, 2003, as amended and restated to and including May 1, 2005, as modified as of the date hereof with respect to the National City Mortgage Loans in the Trust Fund.  With respect to the Quicken Mortgage Loans, the Master Mortgage Loan Purchase and Interim Servicing Agreement
dated as of October 1, 2004, as modified as of the date hereof wth respect to the Quicken Mortgage Loans in the Trust Fund.  With respect to the Weichert Mortgage Loans, the Master Mortgage Loan Purchase and Servicing 

 

Agreement dated as of August 1, 2005, as modified as of the date hereof with respect to the Weichert Mortgage Loans.  With respect to the MortgageIT Mortgage Loans, the Master Mortgage Loan Purchase and Interim Servicing Agreement dated as of November 1, 2004 as modified as of the date hereof with respect to the MortgageIT Mortgage Loans.  With respect to the CitiMortgage Mortgage Loans, the Master Mortgage Loan Purchase and Servicing dated as of February 1, 2005, as modified as of the date hereof with respect to the CitiMortgage Mortgage Loans. 

“Insurance Proceeds”: Proceeds of any Primary Mortgage Insurance Policy, title policy, hazard policy or other insurance policy covering a Mortgage Loan, to the extent such proceeds are not to be applied to the restoration of the related Mortgaged Property or released to the Mortgagor in accordance with the procedures that the Master Servicer would follow in servicing mortgage loans held for its own account, subject to the terms and conditions of the related Mortgage Note and Mortgage.

“Interest Accrual Period”: With respect to any Distribution Date and any Class of Certificates (other than the Floater Certificates and the Inverse Floater Certificates), the calendar month preceding the month in which the Distribution Date occurs, and each such Interest Accrual Period shall be deemed to be 30 days regardless of its actual length. With respect to any Distribution Date and the Floater Certificates and the Inverse Floater Certificates, the one-month period commencing on the 25th day of the calendar month immediately preceding the month in which such Distribtion Date occurs and ending on the 24th day of the calendar month in which such Distribution Date occurs, and each such Interest Accrual Period shall be deemed to be 30 days regardless of its actual length.  All
distributions of interest on the Certificates will be based on a 360-day year consisting of twelve 30-day Interest Accrual Periods. 

“Interest Determination Date”: With respect to the Floater Certificates and the Inverse Floater Certificates and any Interest Accrual Period therefor, the second London Business Day preceding the commencement of such Interest Accrual Period. 

“Interest Distribution Amount”: With respect to any Class of Certificates for any Distribution Date, an amount equal to one month’s interest accrued during the most recently ended Interest Accrual Period at the applicable Pass-Through Rate on the Certificate Principal Balance thereof (or, in the case of the Class II-A2 Certificates, the Class II-XS Certificates and the Class III-XS Certificates, on the Notional Amount thereof) immediately prior to such Distribution Date. The Interest Distribution Amount for any such Class of Certificates (a) will also include, in the case of any Distribution Date subsequent to the initial Distribution Date, the excess, if any, of the Interest Distribution Amount in respect of such Class for the immediately preceding Distribution Date, over the aggregate distributions of interest made in respect of such Class pursuant to Section 4.01(a)(1) on
such immediately preceding Distribution Date and (b) will be reduced, in the case of any Distribution Date, by the amount of any Prepayment Interest Shortfalls (to the extent not covered by Compensating Interest Payments paid by related Initial Sub-Servicer or by the Master Servicer) and Relief Act Interest Shortfalls that were allocated to such Class on such Distribution Date pursuant to Section 1.02. The Interest Distribution Amount for any Class of Certificates will be based on a 360 day year consisting of twelve 30-day Interest Accrual Periods.

“Interest Only Certificates”:  The Class II-A2 Certificates, the Class II-XS Certificates and the Class III-XS Certificates.

“Inverse Floater Certificates”:  The Class II-A2 Certificates.

 

 

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

“Liquidation Event”: With respect to any Mortgage Loan, any of the following events: (i) such Mortgage Loan is paid in full; (ii) a Final Recovery Determination is made as to such Mortgage Loan; or (iii) such Mortgage Loan is removed from the applicable Trust REMIC by reason of its being purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01. With respect to any REO Property, either of the following events: (i) a Final Recovery Determination is made as to such REO Property; or (ii) such REO Property is removed from the applicable Trust REMIC by reason of its being purchased pursuant to Section 9.01.

“Liquidation Proceeds”: The amount (including any Insurance Proceeds or amounts received in respect of the rental of any REO Property prior to REO Disposition) received by the Master Servicer in connection with (i) the taking of all or a part of a Mortgaged Property by exercise of the power of eminent domain or condemnation, (ii) the liquidation of a defaulted Mortgage Loan through a trustee’s sale, foreclosure sale or otherwise, or (iii) the repurchase, substitution or sale of a Mortgage Loan or an REO Property pursuant to or as contemplated by Section 2.03, Section 3.23 or Section 9.01.

“Loan Group”: Any of Loan Group I-1, Loan Group I-2, Loan Group I-3 or Loan Group I-4. 

“Loan Group I-1”: The Loan Group consisting of the Group I-1 Mortgage Loans.

“Loan Group I-2”: The Loan Group consisting of the Group I-2 Mortgage Loans.

“Loan Group I-3”: The Loan Group consisting of the Group I-3 Mortgage Loans.

“Loan Group I-4”: The Loan Group consisting of the Group I-4 Mortgage Loans.

“Loan-to-Value Ratio”: As of any date of determination, the fraction, expressed as a percentage, the numerator of which is the principal balance of the related Mortgage Loan at such date and the denominator of which is the Value of the related Mortgaged Property.

“Lockout Distribution Amount”:  For any Distribution Date and the Class II-A4A Certificates and Class II-A4B Certificates, an amount equal to the related Lockout Percentage of such Certificates’ pro rata share (based on the aggregate Certificate Principal Balance of the Class II-A4A Certificates and the Class II-A4B Certificates as a proportion of the aggregate Certificate Principal Balance of all of the Group II Class A Certificates (other than the Class II-A2 Certificates)) of the Senior Principal Distribution Amount for Collateral Pool II.

“Lockout Percentage”:  With respect to the Class II-A4A Certificates and the Class II-A4B Certificates and any Distribution Date, a percentage determined as follows: 

	
            
Distribution Date
 
 	
            
Lockout Percentage
 
 
	
            November 2005 through October 2010
 	
            0%
 
	
            November 2010 through October 2011
 	
            30%
 

	
            November 2011 through October 2012
 	
            40%
 
	
            November 2012 through October 2013
 	
            60%
 
	
            November 2013 through October 2014
 	
            80%
 
	
            November 2014 and thereafter
 	
            100%
 

 

“London Business Day”: Any day on which banks in the City of London and New York are open and conducting transactions in United States dollars. 

“Master Servicer”: CitiMortgage, Inc. or any successor master servicer appointed as herein provided, in its capacity as Master Servicer hereunder.

“Master Servicer Certification”:  A written certification, substantially in the form attached hereto as Exhibit H, covering servicing of the Mortgage Loans by the Servicer and signed by an officer of the Master Servicer that complies with (i) the Sarbanes-Oxley Act of 2002, as amended from time to time, and (ii) the February 21, 2003 Statement by the Staff of the Division of Corporation Finance of the Securities and Exchange Commission Regarding Compliance by Asset-Backed Issuers with Exchange Act Rules 13a-14 and 15d-14, as in effect from time to time; provided that if, after the Closing Date (a) the Sarbanes-Oxley Act of 2002 is amended, (b) the Statement referred to in clause (ii) is modified or superseded by any subsequent statement, rule or regulation of the Securities and Exchange Commission or any statement of a division thereof, or (c) any future releases, rules and
regulations are published by the Securities and Exchange Commission from time to time pursuant to the Sarbanes-Oxley Act of 2002, which in any such case affects the form or substance of the required certification and results in the required certification being, in the reasonable judgment of the Master Servicer, materially more onerous than the form of the required certification as of the Closing Date, the Master Servicer Certification shall be as agreed to by the Master Servicer and the Depositor following a negotiation in good faith to determine how to comply with any such new requirements.

“Master Servicer Event of Default”: One or more of the events described in Section 7.01.

“Master Servicer Remittance Date”: With respect to any Distribution Date, 12:00 p.m. New York time on the Business Day preceding the Distribution Date or if the Collection Account is held at Citibank (for so long as Citibank is the Paying Agent), 12:00 p.m. New York time on the Distribution Date.

“Maximum Mortgage Rate”: With respect to each Adjustable-Rate Mortgage Loan, the percentage set forth in the related Mortgage Note as the maximum Mortgage Rate thereunder.

“Minimum Mortgage Rate”: With respect to each Adjustable-Rate Mortgage Loan, the percentage set forth in the related Mortgage Note as the minimum Mortgage Rate thereunder.

“MERS”:  Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto.

“MERS System”:  The system of recording transfers of Mortgages electronically maintained by MERS.

“MIN”: The Mortgage Identification Number for Mortgage Loans registered with MERS on the MERS System.

 

 

“MOM Loan”: With respect to any Mortgage Loans registered with MERS on the MERS® System, MERS acting as the mortgagee of such Mortgage Loan, solely as nominee for the originator of such Mortgage Loan and its successors and assigns, at the origination thereof.

“Monthly Payment”: With respect to any Mortgage Loan, the scheduled monthly payment of principal and interest on such Mortgage Loan which is payable by the related Mortgagor from time to time under the related Mortgage Note, determined: (a) after giving effect to (i) any Deficient Valuation and/or Debt Service Reduction with respect to such Mortgage Loan and (ii) any reduction in the amount of interest collectible from the related Mortgagor pursuant to the Relief Act; (b) without giving effect to any extension granted or agreed to by the Master Servicer pursuant to Section 3.07; and (c) on the assumption that all other amounts, if any, due under such Mortgage Loan are paid when due.

“Moody’s”: Moody’s Investors Service, Inc., or its successor in interest.

“Mortgage”: The mortgage, deed of trust or other instrument creating a first lien on, or first priority security interest in, a Mortgaged Property securing a Mortgage Note.

“Mortgage File”: The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement.

“MortgageIT”:  MortgageIT, Inc. or its successor in interest.

“MortgageIT Mortgage Loans”:  The Mortgage Loans originated by MortgageIT.

“Mortgage Loan”: Each mortgage loan transferred and assigned to the Trustee pursuant to Section 2.01 or Section 2.03 of this Agreement, as from time to time held as a part of REMIC I-A, REMIC II-A or REMIC III-A, as applicable, the Mortgage Loans so held being identified in the Mortgage Loan Schedule.

“Mortgage Loan Purchase Agreement”: The agreement between the Depositor and the Seller regarding the transfer of the Mortgage Loans by the Seller to or at the direction of the Depositor, substantially in the form of Exhibit D annexed hereto.

“Mortgage Loan Remittance Rate”: With respect to any Mortgage Loan or REO Property, as of any date of determination, the then applicable Expense Adjusted Mortgage Rate in respect thereof.

“Mortgage Loan Schedule”: As of any date, the list of Mortgage Loans included in REMIC I-A, REMIC II-A or REMIC III-A on such date, attached hereto as Schedule 1. The Mortgage Loan Schedule shall set forth, but is not limited to, the following information with respect to each Mortgage Loan: 

	
            (i)
 	
            the Master Servicer’s Mortgage Loan identifying number;
 	
             

	
            (ii)
 	
            a code indicating whether the Mortgaged Property is owner-occupied;
 	
             

	
            (iii)
 	
            the type of Residential Dwelling constituting the Mortgaged Property;
 
	
            (iv)
 	
            the original months to maturity;
 	
             

					

 

 

 

	
            (v)
 	
            the original date of the mortgage;
 	
             

	
            (vi)
 	
            the Loan-to-Value Ratio at origination;
 	
             

	
            (vii)
 	
            the Mortgage Rate in effect immediately following the Cut-off Date;
 	
             

	
            (viii)
 	
            the date on which the first Monthly Payment was due on the Mortgage Loan;
 
	
            (ix)
 	
            the stated maturity date;
 	
             

	
            (x)
 	
            the amount of the Monthly Payment at origination;
 	
             

	
            (xi)
 	
            the amount of the Monthly Payment as of the Cut-off Date;
 	
             

								

(xii)       the last Due Date on which a Monthly Payment was actually applied to the unpaid Stated Principal Balance;

	
            (xiii)
 	
            the original principal amount of the Mortgage Loan;
 

(xiv)      the Scheduled Principal Balance of the Mortgage Loan as of the close of business on the Cut-off Date;

(xv)       a code indicating the purpose of the Mortgage Loan (i.e., purchase financing, Rate/Term Refinancing, Cash-Out Refinancing);

	
            (xvi)
 	
            a code indicating the documentation style (i.e., full, alternative or reduced);
 

(xvii)     a code indicating if the Mortgage Loan is subject to a Primary Mortgage Insurance Policy;

	
            (xviii)
 	
            the Value of the Mortgaged Property;
 	
             

	
            (xix)
 	
            the sale price of the Mortgaged Property, if applicable;
 	
             

	
            (xx)
 	
            the actual unpaid principal balance of the Mortgage Loan as of the Cut-off Date;
 
				

(xxi)      the Servicing Fee Rate and whether the Servicing Fee Rate steps up on the initial Adjustment Date; 

(xxii)     if such Mortgage Loan is an Adjustable-Rate Mortgage Loan, the Maximum Mortgage Rate, Minimum Mortgage Rate, Gross Margin, Index and Periodic Rate Cap;

(xxiii)    whether such Mortgage Loan has an interest-only period, and if so, the first Due Date on which Monthly Payments are scheduled to include principal amortization; 

(xxiv)    the Collateral Pool in which such Mortgage Loan shall reside, and in the case of Collateral Pool I, the Loan Group in which such Mortgage Loan shall reside; 

 

 

(xxv)     the originator of such Mortgage Loan and the Initial Sub-Servicer of such Mortgage Loan; 

	
            (xxvi)
 	
            whether the Mortgage Loan is a Buydown Mortgage Loan; and
 
	
            (xxvii)
 	
            [reserved].
 	
             

The Mortgage Loan Schedule shall set forth the following information with respect to the Mortgage Loans in the aggregate as of the Cut-off Date: (1) the number of Mortgage Loans; (2) the current principal balance of the Mortgage Loans; (3) the weighted average Mortgage Rate of the Mortgage Loans; (4) the weighted average maturity of the Mortgage Loans; (5) the Scheduled Principal Balance of the Mortgage Loans as of the close of business on the Cut-off Date (not taking into account any Principal Prepayments received on the Cut-off Date); and (6) the amount of the Monthly Payment as of the Cut-off Date. The Mortgage Loan Schedule shall be amended from time to time by the Depositor in accordance with the provisions of this Agreement. With respect to any Qualified Substitute Mortgage Loan, Cut-off Date shall refer to the related Cut-off Date for such Mortgage Loan, determined in accordance
with the definition of Cut-off Date herein.

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

“Mortgage Pool”: The pool of Mortgage Loans, identified on Schedule 1 from time to time, and any REO Properties acquired in respect thereof.

“Mortgage Rate”: With respect to each Mortgage Loan, the annual rate at which interest accrues on such Mortgage Loan from time to time in accordance with the provisions of the related Mortgage Note, without regard to any reduction thereof as a result of a Debt Service Reduction or operation of the Relief Act. With respect to each Mortgage Loan that becomes an REO Property, as of any date of determination, the annual rate determined in accordance with the immediately preceding sentence as of the date such Mortgage Loan became an REO Property.

“Mortgaged Property”: The underlying property securing a Mortgage Loan, including any REO Property, consisting of an Estate in Real Property improved by a Residential Dwelling.

“Mortgagor”:  The obligor on a Mortgage Note.

“National City”: National City Mortgage Company or its successor in interest.

“National City Mortgage Loans”: The Mortgage Loans originated by National City. 

“Net WAC Rate”:  The Net WAC Rate for any Distribution Date and the Group I-1 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group I-1 Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. The Net WAC Rate for any Distribution Date and the Group I-2 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group I-2 Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. The Net WAC Rate for any Distribution Date and the Group I-3 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group I-3 Mortgage Loans, weighted based on their principal balances 

 

as of the first day of the related Due Period. The Net WAC Rate for any Distribution Date and the Group I-4 Mortgage Loans is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of the Group I-4 Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. 

The Net WAC Rate for any Distribution Date and the Class XS Mortgage Loans in Collateral Pool II is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of Class XS Mortgage Loans in Collateral Pool II, weighted based on their principal balances as of the first day of the related Due Period.  

The Net WAC Rate for any Distribution Date and the Class XS Mortgage Loans in Collateral Pool III is a rate per annum equal to the weighted average of the Expense Adjusted Mortgage Rates of Class XS Mortgage Loans in Collateral Pool III, weighted based on their principal balances as of the first day of the related Due Period.

“New Lease”: Any lease of REO Property entered into on behalf of REMIC I-A, REMIC II-A or REMIC III-A, including any lease renewed or extended on behalf of REMIC I-A, REMIC II-A or REMIC III-A, if REMIC I-A, REMIC II-A or REMIC III-A, as applicable, has the right to renegotiate the terms of such lease.

“Non-Class PO Percentage”: With respect to each Mortgage Loan, 100% less the related Class PO Percentage.  

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

“Non-Trust Bifurcation Amount”: With respect to any Distribution Date, the portion of amounts received under the Cap Contract equal to amounts that would have been received under the Cap Contract if the notional amount used to calculate such amounts were equal to the excess, if any, of (i) the notional amount as it appears on the notional amount schedule of the Cap Contract over (ii) the Certificate Principal Balance of the Class II-A1 Certificates immediately prior to such Distribution Date.

“Non-United States Person”:  Any Person other than a United States Person.

“Notional Amount”: For any date of determination and the Class II-A2 Certificates, an amount equal to the Certificate Principal Balance of the Class II-A1 Certificates as of such date of determination.  For federal income tax purposes, the Class II-A2 Certificates will have a Notional Amount equal to the Uncertificated Balance of REMIC II-A Regular Interest LT-A1. For any date of determination and the Class II-XS Certificates, an amount equal to the product of the aggregate Scheduled Principal Balance of the Group II Mortgage Loans that have Expense Adjusted Mortgage Rates greater than 5.500% per annum times a fraction, the numerator of which is (x) the excess of (A) the Net WAC Rate for the Class XS Mortgage Loans in Collateral Pool II over (B) 5.500% per annum, and the denominator of which is (y) 5.500% per annum. For federal income tax purposes, the
Class II-XS Certificates will not have a Notional Amount, but will be entitled to 100% of amounts distributed on REMIC II-A Regular Interest LT-IO.  For any date of determination and the 

 

Class III-XS Certificates, an amount equal to the product of the aggregate Scheduled Principal Balance of the Group III Mortgage Loans that have Expense Adjusted Mortgage Rates greater than 5.500% per annumtimes a fraction, the numerator of which is (x) the excess of (A) the Net WAC Rate for the Class XS Mortgage Loans in Collateral Pool III over (B) 5.500% per annum, and the denominator of which is (y) 5.500% per annum.  

“Officers’ Certificate”: A certificate signed by the Chairman of the Board, the Vice Chairman of the Board, the President or a vice president (however denominated), and by the Treasurer, the Secretary, or one of the assistant treasurers or assistant secretaries of the Seller or the Depositor, as applicable; with respect to the Master Servicer, any officer who is authorized to act for the Master Servicer in matters relating to this Agreement, and whose action is binding upon the Master Servicer, initially including those individuals whose names appear on the list of authorized officers delivered at the closing.

“One-Month LIBOR”: With respect to the Floater Certificates and Inverse Floater Certificates and any Interest Accrual Period therefor, the rate determined by the Trust Administrator on the related Interest Determination Date on the basis of the offered rate for one-month U.S. dollar deposits, as such rate appears on Telerate Page 3750 as of 11:00 a.m. (London time) on such Interest Determination Date; provided that if such rate does not appear on Telerate Page 3750, the rate for such date will be determined on the basis of the offered rates of the Reference Banks for one-month U.S. dollar deposits, as of 11:00 a.m. (London time) on such Interest Determination Date.  In such event, the Trust Administrator will request the principal London office of each of the Reference Banks to provide a quotation of its rate.  If on such Interest Determination Date, two or more Reference Banks
provide such offered quotations, One-Month LIBOR for the related Interest Accrual Period shall be the arithmetic mean of such offered quotations (rounded upwards if necessary to the nearest whole multiple of 1/16%).  If on such Interest Determination Date, fewer than two Reference Banks provide such offered quotations, One-Month LIBOR for the related Interest Accrual Period shall be the higher of (i) One-Month LIBOR as determined on the previous Interest Determination Date and (ii) the Reserve Interest Rate.  Notwithstanding the foregoing, if, under the priorities described above, One-Month LIBOR for an Interest Determination Date would be based on One-Month LIBOR for the previous Interest Determination Date for the third consecutive Interest Determination Date, the Trust Administrator shall select an alternative comparable index (over which the Trust Administrator has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise
made available) by an independent party. 

“Opinion of Counsel”: A written opinion of counsel, who may, without limitation, be salaried counsel for the Depositor, the Master Servicer or the Trust Administrator acceptable to the Trustee, if such opinion is delivered to the Trustee, or reasonably acceptable to the Trust Administrator, if such opinion is delivered to the Trust Administrator, except that any opinion of counsel relating to (a) the qualification of any Trust REMIC as a REMIC or (b) compliance with the REMIC Provisions must be an opinion of Independent counsel.

“Original Mortgage Loan”: Any Mortgage Loan included in the Trust Fund as of the Closing Date.

“Originator”:  American Home, CitiMortgage, Countrywide, MortgageIT, National City, PHH, Quicken, SunTrust, Weichert or Wells Fargo,  as applicable. 

“Overcollateralized Amount”: As to any Distribution Date and the Group I Class A Certificates, an amount equal to the sum of the Undercollateralized Amounts for the Classes of Class A Certificates relating to the same Collateral Pool.

 

 

“Overcollateralized Loan Group”: With respect to the Class A Certificates relating to Collateral Pool I, as to any Distribution Date on which there are one or more Undercollateralized Loan Groups within such Collateral Pool, any Loan Group within such Collateral Pool for which there is no Undercollateralized Amount.

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

“Pass-Through Rate”:  With respect to each Class of Group I Class A Certificates and any Distribution Date, the Net WAC Rate for the related Group I Mortgage Loans for such Distribution Date. For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-1B, weighted on the basis of the Uncertificated Balance of such REMIC I-A Regular Interest.

With respect to the Group I-R Certificates and the first Distribution Date, the Net WAC Rate for the Group I-1 Mortgage Loans for such Distribution Date.  For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-1B, weighted on the basis of the Uncertificated Balance of such REMIC I-A Regular Interest.

With respect to each class of Group I Subordinate Certificates and any Distribution Date, the related Subordinate Net WAC Rate for such Distribution Date.  For federal income tax purposes, the equivalent of the foregoing shall be expressed as the weighted average of the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-1A, REMIC I-A Regular Interest LT-2A, REMIC I-A Regular Interest LT-3A and REMIC I-A Regular Interest LT-4A (subject to a cap and a floor equal to the REMIC I-A Remittance Rate on REMIC I-A Regular Interest LT-1A, REMIC I-A Regular Interest LT-2A, REMIC I-A Regular Interest LT-3A and REMIC I-A Regular Interest LT-4A, respectively) weighted on the basis of the Uncertificated Balance of each such REMIC I-A Regular Interest.

With respect to the Class II-A1 Certificates and any Distribution Date, a per annum rate equal to One-Month LIBOR plus 0.700% per annum, subject to a cap equal to 5.500% per annum and a floor equal to 0.700% per annum.

With respect to the Class II-A2 Certificates and any Distribution Date, a per annum rate equal to 4.800% per annum minus One-Month LIBOR, subject to a cap equal to 4.800% per annum and a floor equal to 0.000% per annum. 

With respect to the Class II-A3 Certificates and any Distribution Date, 5.500% per annum. 

With respect to the Class II-A4A Certificates and any Distribution Date, 5.500% per annum. 

With respect to the Class II-A4B Certificates and any Distribution Date, 5.500% per annum. 

With respect to the Class II-A5 Certificates and any Distribution Date, 5.500% per annum. 

With respect to the Class II-R Certificates and any Distribution Date, 5.500% per annum. 

 

 

With respect to the Class II-XS Certificates and any Distribution Date, 5.500% per annum. For federal income tax purposes, the Class II-XS Certificates will not have a Pass-Through Rate, but will be entitled to 100% of amounts distributed on REMIC II-A Regular Interest LT-IO.

With respect to each Class of Group II Subordinate Certificates and any Distribution Date, 5.500% per annum. 

With respect to each Class of Group III Class A Certificates and any Distribution Date, 5.500% per annum.  

With respect to the Group III-R Certificates and the first Distribution Date, 5.500% per annum.

With respect to the Class III-XS Certificates and any Distribution Date, 5.500% per annum.  For federal income tax purposes, the Class III-XS Certificates will have a Pass-Through Rate equal to the weighted average of the Stripped Interest Rates for the Group III Mortgage Loans, weighted on the basis of the aggregate Stated Principal Balance of the Group III Mortgage Loans. 

With respect to each Class of Group III Subordinate Certificates and any Distribution Date, 5.500% per annum.   

The Class I-P Certificates, Class II-PO Certificates and Class III-PO Certificates shall have a Pass-Through Rate of 0.00% per annum and shall not be entitled to any distributions of interest.

“Paying Agent”:  Citibank, or its successor in interest, or any successor paying agent appointed as herein provided.

“Periodic Rate Cap”: With respect to each Adjustable-Rate Mortgage Loan and any Adjustment Date therefor, the fixed percentage set forth in the related Mortgage Note, which is the maximum amount by which the Mortgage Rate for such Mortgage Loan may increase or decrease (without regard to the Maximum Mortgage Rate or the Minimum Mortgage Rate) on such Adjustment Date from the Mortgage Rate in effect immediately prior to such Adjustment Date.

“Percentage Interest”: With respect to any Class of Certificates, the portion of the respective Class evidenced by such Certificate, expressed as a percentage, the numerator of which is the initial Certificate Principal Balance or Notional Amount represented by such Certificate, and the denominator of which is the initial aggregate Certificate Principal Balance or Notional Amount of all of the Certificates of such Class. The Book-Entry Certificates are issuable only in Percentage Interests corresponding to initial Certificate Principal Balances or Notional Amounts of $100,000 and integral multiples of $1.00 in excess thereof. The Private Certificates are issuable only in Percentage Interests corresponding to the initial Certificate Principal Balances of $100,000 and integral multiples of $1.00 in excess thereof; provided, however, that a single Certificate of each such Class of
Certificates may be issued having a Percentage Interest corresponding to the remainder of the aggregate initial Certificate Principal Balance of such Class or to an otherwise authorized denomination for such Class plus such remainder. The Residual Certificates are issuable only in Percentage Interests of 20% and multiples thereof.

“Permitted Investments”: Any one or more of the following obligations or securities acquired at a purchase price of not greater than par, regardless of whether issued by the Depositor, the Master Servicer, the 

 

Trustee, the Paying Agent, the Authenticating Agent, the Certificate Registrar, the Trust Administrator or any of their respective Affiliates:

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

(ii)         demand and time deposits in, certificates of deposit of, or bankers’ acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers’ acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars and issued by, any Depository Institution;

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

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

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

(vi)        units of money market funds, including money market funds advised by the Trustee, the Trust Administrator or an Affiliate of either of them, that have been rated “AAA” by S&P and “Aaa” by Moody’s and in the highest rating category by Fitch if rated by Fitch; and

(vii)       if previously confirmed in writing to the Master Servicer, the Trustee and the Trust Administrator, any other demand, money market or time deposit, or any other obligation, security or investment, as may be acceptable to the Rating Agencies as a permitted investment of funds backing securities having ratings equivalent to its highest initial rating of the Senior Certificates;

provided, however, that no instrument described hereunder shall evidence either the right to receive (a) only interest with respect to the obligations underlying such instrument or (b) both principal and interest payments derived from obligations underlying such instrument and the interest and principal payments with respect to such instrument provide a yield to maturity at par greater than 120% of the yield to maturity at par of the underlying obligations.

“Permitted Transferee”: Any Transferee of a Residual Certificate other than a Disqualified Organization or Non-United States Person.

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

 

 

“P&I Advance”: As to any Mortgage Loan or REO Property, any advance made by the Master Servicer in respect of any Distribution Date pursuant to Section 4.03.

“PHH”: PHH Mortgage Corp., or its successor in interest.

“PHH Mortgage Loans”: The Mortgage Loans originated by PHH. 

“Plan”: Any employee benefit plan or certain other retirement plans and arrangements, including individual retirement accounts and annuities, Keogh plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that are subject to ERISA or Section 4975 of the Code.

 “Prepayment Assumption”: A prepayment rate for the mortgage loans in Collateral Pool I of 25% CPR and a prepayment rate for the mortgage loans in Collateral Pool II or Collateral Pool II of 100% PPV. The Prepayment Assumption is used solely for determining the accrual of original issue discount on the Certificates for federal income tax purposes. PPV means an assumed CPR of 8.00% per annum of the then unpaid principal balance of a pool of mortgage loans in the first month of the life of such mortgage loans and an additional approximately 1.45% (precisely 16.00%/11) per annum in each month thereafter until the 12th month.  Beginning in the 12th month and in each month thereafter during the life of such mortgage loans, PPV assumes a CPR of 24%.  A CPR (Constant Prepayment Rate) represents an annualized constant assumed rate of prepayment each month of a pool of mortgage loans
relative to its outstanding principal balance for the life of such pool.    

“Prepayment Interest Shortfall”: With respect to any Distribution Date, for each Mortgage Loan that was during the related Prepayment Period the subject of a Principal Prepayment in full or in part that was applied by the Master Servicer to reduce the outstanding principal balance of such loan on a date preceding the Due Date in the succeeding Prepayment Period, an amount equal to interest at the applicable Mortgage Loan Remittance Rate on the amount of such Principal Prepayment for the number of days commencing on the date on which the prepayment is applied and ending on the last day of the related Prepayment Period. The obligations of the Master Servicer in respect of any Prepayment Interest Shortfall are set forth in Section 3.24.

“Prepayment Period”: With respect to any Distribution Date, the calendar month preceding the calendar month in which such Distribution Date occurs.

“Primary Mortgage Insurance Policy”: Each primary policy of mortgage guaranty insurance in effect as represented in the Mortgage Loan Purchase Agreement and as so indicated on the Mortgage Loan Schedule, or any replacement policy therefor obtained by the Master Servicer or any Sub-Servicer pursuant to Section 3.13. 

“Prime Rate”: The lesser of (i) the per annum rate of interest, publicly announced from time to time by JPMorgan Chase Bank, N.A. at its principal office in the City of New York, as its prime or base lending rate (any change in such rate of interest to be effective on the date such change is announced by JPMorgan Chase Bank, N.A.) and (ii) the maximum rate permissible under applicable usury or similar laws limiting interest rates.

“Principal Prepayment”: Any payment of principal made by the Mortgagor on a Mortgage Loan which is received in advance of its scheduled Due Date and which is not accompanied by an amount of interest 

 

representing the full amount of scheduled interest due on any Due Date in any month or months subsequent to the month of prepayment.

“Private Certificates”: Any Class I-B4 Certificate, Class I-B5 Certificate, Class I- B6 Certificate, Class II-B4 Certificate, Class II-B5 Certificate, Class II-B6 Certificate, Class III-B4 Certificate, Class III-B5 Certificate or Class III-B6 Certificate.

“Purchase Price”: With respect to any Mortgage Loan or REO Property to be purchased pursuant to or as contemplated by Section 2.03 or Section 9.01, and as confirmed by an Officers’ Certificate from the Master Servicer to the Trustee and the Trust Administrator, an amount equal to the sum of: (i) 100% of the Stated Principal Balance thereof as of the date of purchase (or such other price as provided in Section 9.01), (ii) in the case of (x) a Mortgage Loan, accrued interest on such Stated Principal Balance at the applicable Mortgage Loan Remittance Rate in effect from time to time from the Due Date as to which interest was last covered by a payment by the Mortgagor or an advance by the Master Servicer, which payment or advance had as of the date of purchase been distributed pursuant to Section 4.01, through the end of the calendar month in which the purchase is to be
effected, and (y) an REO Property, the sum of (1) accrued interest on such Stated Principal Balance at the applicable Mortgage Loan Remittance Rate in effect from time to time from the Due Date as to which interest was last covered by a payment by the Mortgagor or an advance by the Master Servicer through the end of the calendar month immediately preceding the calendar month in which such REO Property was acquired, plus (2) REO Imputed Interest for such REO Property for each calendar month commencing with the calendar month in which such REO Property was acquired and ending with the calendar month in which such purchase is to be effected, minus the total of all net rental income, Insurance Proceeds, Liquidation Proceeds and P&I Advances that as of the date of purchase had been distributed as or to cover REO Imputed Interest pursuant to Section 4.01, (iii) any unreimbursed Servicing Advances and P&I Advances and any unpaid Servicing Fees and Administration Fees allocable to
such Mortgage Loan or REO Property; (iv) any amounts previously withdrawn from the Collection Account in respect of such Mortgage Loan or REO Property pursuant to Sections 3.11(a)(ix) and Section 3.16(b), and (v) in the case of a Mortgage Loan required to be purchased pursuant to Section 2.03, expenses incurred or to be incurred by the Trust Fund in respect of the breach or defect giving rise to the purchase obligation including any costs and damages incurred by the Trust Fund in connection with any violation of any predatory or abusive lending law with respect to the related Mortgage Loan.

“Qualified Insurer”: Any insurer which meets the requirements of Fannie Mae and Freddie Mac.

“Qualified Substitute Mortgage Loan”: A mortgage loan substituted for a Deleted Mortgage Loan pursuant to the terms of this Agreement which must, on the date of such substitution, (i) have an outstanding principal balance, after application of all scheduled payments of principal and interest due during or prior to the month of substitution, not in excess of the Scheduled Principal Balance of the Deleted Mortgage Loan as of the Due Date in the calendar month during which the substitution occurs, (ii) have a Mortgage Rate not less than (and not more than one percentage point in excess of) the Mortgage Rate of the Deleted Mortgage Loan, (iii) have a Maximum Mortgage Rate not less than the Maximum Mortgage Rate on the Deleted Mortgage Loan, (iv) have a Minimum Mortgage Rate not less than the Minimum Mortgage Rate of the Deleted Mortgage Loan, (v) have a Gross Margin equal to the
Gross Margin of the Deleted Mortgage Loan, (vi) have a next Adjustment Date not more than two months later than the next Adjustment Date on the Deleted Mortgage Loan, (vii) be covered under a Primary Mortgage Insurance Policy if such Qualified Substitute Mortgage Loan has a Loan-to-Value Ratio in excess of 80% and the Deleted Mortgage Loan was covered by a Primary Mortgage Insurance Policy, (viii) have a remaining term to maturity not greater than (and not more than one 

 

year less than) that of the Deleted Mortgage Loan, (ix) have the same Due Date as the Due Date on the Deleted Mortgage Loan, (x) have a Loan-to-Value Ratio as of the date of substitution equal to or lower than the Loan-to-Value Ratio of the Deleted Mortgage Loan as of such date, (xi) [intentionally omitted]; and (xii) conform to each representation and warranty set forth in Section 6 of the Mortgage Loan Purchase Agreement applicable to the Deleted Mortgage Loan. In the event that one or more mortgage loans are substituted for one or more Deleted Mortgage Loans, the amounts described in clause (i) hereof shall be determined on the basis of aggregate principal balances, the Mortgage Rates described in clause (ii) hereof shall be determined on the basis of weighted average Mortgage Rates, the terms described in clause (viii) shall be determined on the basis of weighted average remaining terms to maturity,
the Loan-to-Value Ratios described in clause (x) hereof shall be satisfied as to each such mortgage loan and, except to the extent otherwise provided in this sentence, the representations and warranties described in clause (xii) hereof must be satisfied as to each Qualified Substitute Mortgage Loan or in the aggregate, as the case may be.

“Quicken”: Quicken Loans Inc. or its successor in interest.

“Quicken Mortgage Loans”: The Mortgage Loans originated by Quicken.

“Rate/Term Refinancing”: A Refinanced Mortgage Loan, the proceeds of which are not in excess of the existing first mortgage loan on the related Mortgaged Property and related closing costs, and were used exclusively to satisfy the then existing first mortgage loan of the Mortgagor on the related Mortgaged Property and to pay related closing costs.

“Rating Agencies”: S&P, Moody’s and Fitch or their successors. If such agencies or their successors are no longer in existence, the “Rating Agencies” shall be such nationally recognized statistical rating agencies, or other comparable Persons, designated by the Depositor, written notice of which designation shall be given to the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar and the Master Servicer.

“Realized Loss”: With respect to each Mortgage Loan as to which a Final Recovery Determination has been made, an amount (not less than zero) equal to (i) the unpaid principal balance of such Mortgage Loan as of the commencement of the calendar month in which the Final Recovery Determination was made, plus (ii) accrued interest from the Due Date as to which interest was last paid by the Mortgagor through the end of the calendar month in which such Final Recovery Determination was made, calculated in the case of each calendar month during such period (A) at an annual rate equal to the annual rate at which interest was then accruing on such Mortgage Loan and (B) on a principal amount equal to the Stated Principal Balance of such Mortgage Loan as of the close of business on the Distribution Date during such calendar month, plus (iii) any amounts previously withdrawn from the
Collection Account in respect of such Mortgage Loan pursuant to Section 3.11(a)(ix) and Section 3.16(b), minus (iv) the proceeds, if any, received in respect of such Mortgage Loan prior to the date such Final Recovery Determination was made, net of amounts that are payable therefrom to the Master Servicer with respect to such Mortgage Loan pursuant to Section 3.11(a)(iii).

With respect to any REO Property as to which a Final Recovery Determination has been made an amount (not less than zero) equal to (i) the unpaid principal balance of the related Mortgage Loan as of the date of acquisition of such REO Property on behalf of any REMIC, plus (ii) accrued interest from the Due Date as to which interest was last paid by the Mortgagor in respect of the related Mortgage Loan through the end of the calendar month immediately preceding the calendar month in which such REO Property was acquired, calculated in the case of each calendar month during such period (A) at an annual rate equal to the annual rate at 

 

which interest was then accruing on the related Mortgage Loan and (B) on a principal amount equal to the Stated Principal Balance of the related Mortgage Loan as of the close of business on the Distribution Date during such calendar month, plus (iii) REO Imputed Interest for such REO Property for each calendar month commencing with the calendar month in which such REO Property was acquired and ending with the calendar month that occurs during the Prepayment Period in which such Final Recovery Determination was made, plus (iv) any amounts previously withdrawn from the Collection Account in respect of the related Mortgage Loan pursuant to Section 3.11(a)(ix) and Section 3.16(b), minus (v) the aggregate of all Servicing Advances made by the Master Servicer in respect of such REO Property or the related Mortgage Loan (without duplication of amounts netted out of the rental income, Insurance Proceeds and
Liquidation Proceeds described in clause (vi) below) and any unpaid Servicing Fees and unpaid Administration Fees for which the Master Servicer has been or, in connection with such Final Recovery Determination, will be reimbursed pursuant to Section 3.11(a)(iii) or Section 3.23 out of rental income, Insurance Proceeds and Liquidation Proceeds received in respect of such REO Property, minus (v) the total of all net rental income, Insurance Proceeds and Liquidation Proceeds received in respect of such REO Property that has been, or in connection with such Final Recovery Determination, will be transferred to the Distribution Account pursuant to Section 3.23.

With respect to each Mortgage Loan which has become the subject of a Deficient Valuation, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation.

With respect to each Mortgage Loan which has become the subject of a Debt Service Reduction, the portion, if any, of the reduction in each affected Monthly Payment attributable to a reduction in the Mortgage Rate imposed by a court of competent jurisdiction. Each such Realized Loss shall be deemed to have been incurred on the Due Date for each affected Monthly Payment.

“Record Date”: With respect to each Distribution Date and any Certificate other than a Floater Certificate or Inverse Floater Certificate, the last Business Day of the month immediately preceding the month in which such Distribution Date occurs.  With respect to each Distribution Date and any Floater Certificate or Inverse Floater Certificate that is a Book-Entry Certificate, the Business Day immediately preceding such Distribution Date.  With respect to each Distribution Date and any Floater Certificate or Inverse Floater Certificate that is a Definitive Certificate, the last Business Day of the month immediately preceding the month in which such Distribution Date occurs.

“Reference Banks”: Deutsche Bank AG, Barclays’ Bank PLC, The Tokyo Mitsubishi Bank and National Westminster Bank PLC and their successors in interest; provided, however, that if any of the foregoing banks are not suitable to serve as a Reference Bank, then any leading banks selected by the Trustee which are engaged in transactions in Eurodollar deposits in the international Eurocurrency market (i) with an established place of business in London and (ii) not controlling, under the control of or under common control with the Depositor or any Affiliate thereof. 

“Refinanced Mortgage Loan”: A Mortgage Loan the proceeds of which were not used to purchase the related Mortgaged Property.

“Regular Certificate”: Any Senior Certificate or Subordinate Certificate.

“Regular Interest”: A “regular interest” in a REMIC within the meaning of Section 860G(a)(1) of the Code.

 

 

“Relief Act”: The Servicemembers Civil Relief Act, as amended.

“Relief Act Interest Shortfall”: With respect to any Distribution Date and any Mortgage Loan, any reduction in the amount of interest collectible on such Mortgage Loan for the most recently ended calendar month as a result of the application of the Relief Act.

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

“REMIC I-A”: As defined in the Preliminary Statement. 

“REMIC I-A Regular Interests”: The REMIC I-A Regular Interests, as set forth in the Preliminary Statement.

“REMIC I-A Remittance Rate”: With respect to REMIC I-A Regular Interest LT-1A, REMIC I-A Regular Interest LT-2A, REMIC I-A Regular Interest LT-3A, REMIC I-A Regular Interest LT-4A and REMIC I-A Regular Interest LT-ZZZ, the weighted average of the Expense Adjusted Mortgage Rates of the Group I Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. With respect to REMIC I-A Regular Interest LT-1B and REMIC I-A Regular Interest LT-R, the weighted average of the Expense Adjusted Mortgage Rates of the Group I-1 Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. With respect to REMIC I-A Regular Interest LT-2B, the weighted average of the Expense Adjusted Mortgage Rates of the Group I-2 Mortgage Loans, weighted based on their principal balances as of the first day of the related
Due Period. With respect to REMIC III-A Regular Interest LT-3B, the weighted average of the Expense Adjusted Mortgage Rates of the Group I-3 Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. With respect to REMIC III-A Regular Interest LT-4B, the weighted average of the Expense Adjusted Mortgage Rates of the Group I-4 Mortgage Loans, weighted based on their principal balances as of the first day of the related Due Period. 

“REMIC I-A Subordinated Balance Ratio”: The ratio among the Uncertificated Balances of each REMIC I-A Regular Interest ending with the designation “A”, equal to the ratio between, with respect to each such REMIC I-A Regular Interest, the excess of (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group over (y) the current Certificate Principal Balance of Senior Certificates relating to such Loan Group.

“REMIC II-A”: As defined in the Preliminary Statement.

“REMIC II-A Regular Interests”: The REMIC II-A Regular Interests, as set forth in the Preliminary Statement. 

“REMIC II-A Remittance Rate”: With respect to REMIC II-A Regular Interest LT-A1, REMIC II-A Regular Interest LT-A3, REMIC II-A Regular Interest LT-A4A,  REMIC II-A Regular Interest LT-A4B, REMIC II-A Regular Interest LT-A5, REMIC II-A Regular Interest LT-B1, REMIC II-A Regular Interest LT-B2, REMIC II-A Regular Interest LT-B3, REMIC II-A Regular Interest LT-B4, REMIC II-A Regular Interest LT-B5, REMIC II-A Regular Interest LT-B6, REMIC II-A Regular Interest LT-PO and REMIC II-A Regular Interest LT-R, the rate set forth in the Preliminary Statement. With respect to REMIC II-A Regular Interest LT-

 

IO, the weighted average of the Stripped Interest Rates for the Group II Mortgage Loans, weighted on the basis of the aggregate Stated Principal Balances of the Group II Mortgage Loans. 

“REMIC II-B”: As defined in the Preliminary Statement.

“REMIC III-A”: As defined in the Preliminary Statement.

“Remittance Report”: A report in form and substance acceptable to the Trust Administrator and the Trustee prepared by the Master Servicer pursuant to Section 4.03 with such additions, deletions and modifications as agreed to by the Trustee, the Trust Administrator and the Master Servicer.

“Rents from Real Property”: With respect to any REO Property, gross income of the character described in Section 856(d) of the Code as being included in the term “rents from real property.”

“REO Account”: The account or accounts maintained by the Master Servicer in respect of an REO Property pursuant to Section 3.23.

“REO Disposition”: The sale or other disposition of an REO Property on behalf of any Trust REMIC.

“REO Imputed Interest”: As to any REO Property, for any calendar month during which such REO Property was at any time part of REMIC I-A, REMIC II-A or REMIC III-A, one month’s interest at the applicable Mortgage Loan Remittance Rate on the Stated Principal Balance of such REO Property (or, in the case of the first such calendar month, of the related Mortgage Loan if appropriate) as of the close of business on the Distribution Date in such calendar month.

“REO Property”: A Mortgaged Property acquired by the Master Servicer on behalf of the Trust Fund through foreclosure or deed-in-lieu of foreclosure, as described in Section 3.23.

“Request for Release”: A release signed by a Servicing Officer, in the form of Exhibit E attached hereto.

“Reserve Interest Rate”: With respect to any Interest Determination Date, the rate per annum that the Trustee determines to be either (i) the arithmetic mean (rounded upwards if necessary to the nearest whole multiple of 1/16%) of the one-month U.S. dollar lending rates which New York City banks selected by the Trustee are quoting on the relevant Interest Determination Date to the principal London offices of leading banks in the London interbank market or (ii) in the event that the Trustee can determine no such arithmetic mean, the lowest one-month U.S. dollar lending rate which New York City banks selected by the Trustee are quoting on such Interest Determination Date to leading European banks.

“Residential Dwelling”: Any one of the following: (i) an attached or detached one- family dwelling, (ii) a detached two- to four-family dwelling, (iii) a one-family dwelling unit in a Fannie Mae eligible condominium project, or (iv) a detached one-family dwelling in a planned unit development, none of which is a co-operative, mobile or manufactured home (as defined in 42 United States Code, Section 5402(6)).

“Residual Certificate”: Any one of the Class I-R Certificates, Class II-R Certificates or Class III-R Certificates.

 

 

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

“Responsible Officer”: When used with respect to the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, the President, any vice president, any assistant vice president, the Secretary, any assistant secretary, the Treasurer, any assistant treasurer, any trust officer or assistant trust officer, the Controller and any assistant controller or any other officer thereof customarily performing functions similar to those performed by any of the above designated officers and, with respect to a particular matter relating to this Agreement, to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject. When used with respect to the Trustee, any officer of the Trustee with direct responsibility for the administration of this Agreement and, with respect to a particular matter relating to this
Agreement, to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject.

“Scheduled Principal Balance”: With respect to any Mortgage Loan: (a) as of the Cut-off Date, the outstanding principal balance of such Mortgage Loan as of such date, net of the principal portion of all unpaid Monthly Payments, if any, due on or before such date; (b) as of any Due Date subsequent to the Cut-off Date up to and including the Due Date in the calendar month in which a Liquidation Event occurs with respect to such Mortgage Loan, the Scheduled Principal Balance of such Mortgage Loan as of the Cut-off Date, minus the sum of (i) the principal portion of each Monthly Payment due on or before such Due Date but subsequent to the Cut-off Date, whether or not received, (ii) all Principal Prepayments received before such Due Date but after the Cut-off Date, (iii) the principal portion of all Liquidation Proceeds and Insurance Proceeds received before such Due Date but after
the Cut-off Date, net of any portion thereof that represents principal due (without regard to any acceleration of payments under the related Mortgage and Mortgage Note) on a Due Date occurring on or before the date on which such proceeds were received and (iv) any Realized Loss incurred with respect thereto as a result of a Deficient Valuation occurring before such Due Date, but only to the extent such Realized Loss represents a reduction in the portion of principal of such Mortgage Loan not yet due (without regard to any acceleration of payments under the related Mortgage and Mortgage Note) as of the date of such Deficient Valuation; and (c) as of any Due Date subsequent to the occurrence of a Liquidation Event with respect to such Mortgage Loan, zero. With respect to any REO Property: (a) as of any Due Date subsequent to the date of its acquisition on behalf of the Trust Fund up to and including the Due Date in the calendar month in which a Liquidation Event occurs with respect to
such REO Property, an amount (not less than zero) equal to the Scheduled Principal Balance of the related Mortgage Loan as of the Due Date in the calendar month in which such REO Property was acquired minus the principal portion of each Monthly Payment that would have become due on such related Mortgage Loan after such REO Property was acquired if such Mortgage Loan had not been converted to an REO Property; and (b) as of any Due Date subsequent to the occurrence of a Liquidation Event with respect to such REO Property, zero.

“Seller”: Citigroup Global Markets Realty Corp. or its successor in interest, in its capacity as seller under the Mortgage Loan Purchase Agreement.

“Senior Certificate”:  Any Group I Senior Certificate, Group II Senior Certificate or Group III Senior Certificate.

“Senior Percentage”: A Group I Senior Percentage, the Group II Senior Percentage or the Group III Senior Percentage, as applicable. 

 

 

“Senior Prepayment Percentage”: A Group I Senior Prepayment Percentage, the Group II Senior Prepayment Percentage or the Group III Senior Prepayment Percentage, as applicable.

“Senior Principal Distribution Amount”:  For any Distribution Date and the Group I Class A Certificates relating to any Loan Group, an amount equal to the lesser of (i) the applicable Group I Available Distribution Amount, remaining after distribution of the related Senior Interest Distribution Amount and (ii) the sum of:

(a)        the product of (x) the then-applicable related Senior Percentage and (y) the sum of the following:

 

(i)                the aggregate of the principal portions of all Monthly Payments due during the related Due Period in respect of the related Mortgage Loans, whether or not received; 

 

(ii)               the principal portion of all Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (other than amounts described in clause (c) below) received in respect of the related Mortgage Loans during the related Prepayment Period (other than any related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01 during the related Prepayment Period), net of any portion thereof that represents a recovery of principal for which an advance was made by the Master Servicer pursuant to Section 4.03 in respect of a preceding Distribution Date; 

 

(iii)              the Stated Principal Balance (calculated immediately prior to such Distribution Date) of each related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01 during the related Prepayment Period; 

 

	
            (iv)
 	
            [reserved];
 

 

(v)               in connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans in the related Loan Group pursuant to Section 2.03 during the related Prepayment Period, the excess, if any, of (A) the aggregate of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Deleted Mortgage Loans, net of the aggregate of the principal portions of the Monthly Payments due during the related Prepayment Period (to the extent received from the related Mortgagor or advanced by the related Servicer and distributed pursuant to Section 4.01 on the Distribution Date in the related Prepayment Period) in respect of each such Deleted Mortgage Loan that was replaced prior to the Distribution Date
in the related Prepayment Period, over (B) the aggregate of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Qualified Substitute Mortgage Loans; 

 

(b)        the product of (x) the then-applicable related Senior Prepayment Percentage and (y) all Principal Prepayments received in respect of the related Mortgage Loans during the related Prepayment Period; 

 

(c)        with respect to any related Mortgage Loan which was the subject of a Final Recovery Determination in the related Prepayment Period, the lesser of (a) the then-applicable related Senior Prepayment 

 

Percentage multiplied by the net Liquidation Proceeds and Insurance Proceeds allocable to principal in respect of such Mortgage Loan and (b) the then-applicable related Senior Percentage multiplied by the Scheduled Principal Balance of the related Mortgage Loan at the time of such Final Recovery Determination; 

 

(d)        in the case of any Distribution Date subsequent to the initial Distribution Date, an amount equal to the excess, if any, of the amounts calculated pursuant to clauses (a), (b) and (c) above for the immediately preceding Distribution Date, over the aggregate distributions of principal made in respect of the related Class or Classes of Class A Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent that any such amounts are not attributable to Realized Losses which were allocated to the related Subordinate Certificates pursuant to Section 4.04; and

 

(e)        any Class A Principal Adjustment Amount (allocated among the Class A Certificates relating to Collateral Pool I on a pro rata basis based on their respective Certificate Principal Balances), if (i) the Subordination Test with respect to the related Subordinate Certificates has not been met with respect to such Distribution Date and (ii) there are Class A Certificates remaining outstanding relating to more than one Loan Group in such Collateral Pool.

 

For any Distribution Date and the Class A Certificates relating to Collateral Pool II or Collateral Pool III, as applicable, an amount equal to the lesser of (i) the Group II Available Distribution Amount or the Group III Available Distribution Amount, as applicable, remaining after distribution of the related Senior Interest Distribution Amount and the related Class PO Principal Distribution Amount and (ii) the sum of:

(a)        the product of (x) the then-applicable related Senior Percentage and (y) the sum of the following:

 

(i)                the related Non-Class PO Percentage of the aggregate of the principal portions of all Monthly Payments due during the related Due Period in respect of the related Mortgage Loans, whether or not received; 

 

(ii)               the related Non-Class PO Percentage of the principal portion of all Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (other than amounts described in clause (c) below) received in respect of the related Mortgage Loans during the related Prepayment Period (other than any related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01 during the related Prepayment Period), net of any portion thereof that represents a recovery of principal for which an advance was made by the Master Servicer pursuant to Section 4.03 in respect of a preceding Distribution Date; 

 

(iii)              the related Non-Class PO Percentage of the Stated Principal Balance (calculated immediately prior to such Distribution Date) of each related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01 during the related Prepayment Period; 

 

	
            (iv)
 	
            [reserved];
 

 

 

 

(v)               in connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans in the related Collateral Pool pursuant to Section 2.03 during the related Prepayment Period, the excess, if any, of (A) the aggregate of the related Non-Class PO Percentage of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Deleted Mortgage Loans, net of the aggregate of the related Non-Class PO Percentage of the principal portions of the Monthly Payments due during the related Prepayment Period (to the extent received from the related Mortgagor or advanced by the related Servicer and distributed pursuant to Section 4.01 on the Distribution Date in the related Prepayment Period) in respect
of each such Deleted Mortgage Loan that was replaced prior to the Distribution Date in the related Prepayment Period, over (B) the aggregate of the related Non-Class PO Percentage of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Qualified Substitute Mortgage Loans; 

 

(b)        the product of (x) the then-applicable related Senior Prepayment Percentage and (y) the related Non-Class PO Percentage of all Principal Prepayments received in respect of the related Mortgage Loans during the related Prepayment Period; 

 

(c)        with respect to any related Mortgage Loan which was the subject of a Final Recovery Determination in the related Prepayment Period, the least of (a) the then-applicable related Senior Prepayment Percentage of the Non-Class PO Percentage multiplied by the net Liquidation Proceeds and Insurance Proceeds allocable to principal in respect of such Mortgage Loan; (b) the then-applicable related Senior Percentage of the Non-Class PO Percentage multiplied by the Scheduled Principal Balance of the related Mortgage Loan at the time of such Final Recovery Determination; and (c) the principal portion of all amounts collected in connection with such a Final Recovery Determination to the extent not distributed to the related Class PO Certificates; and

 

(d)        in the case of any Distribution Date subsequent to the initial Distribution Date, an amount equal to the excess, if any, of the amounts calculated pursuant to clauses (a), (b) and (c) above for the immediately preceding Distribution Date, over the aggregate distributions of principal made in respect of the related Class or Classes of Class A Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent that any such amounts are not attributable to Realized Losses which were allocated to the related Subordinate Certificates pursuant to Section 4.04. 

 

“Servicing Account”: The account or accounts created and maintained pursuant to Section 3.09.

“Servicing Advances”: The reasonable “out-of-pocket” costs and expenses incurred by the Master Servicer in connection with a default, delinquency or other unanticipated event by the Master Servicer in the performance of its servicing obligations, including, but not limited to, the cost of (i) the preservation, restoration and protection of a Mortgaged Property, (ii) any enforcement or judicial proceedings, including foreclosures, in respect of a particular Mortgage Loan, including any expenses incurred in relation to any such proceedings that result from the Mortgage Loan being registered on the MERS System, (iii) the management (including reasonable fees in connection therewith) and liquidation of any REO Property, and (iv) the performance of its obligations under Section 3.01, Section 3.09, Section 3.13, Section 3.14, Section 3.16 and Section 3.23. The Master Servicer shall not be
required to make any Servicing Advance in respect of a Mortgage Loan or REO Property that, in the good faith business judgment of the Master Servicer, would not be ultimately recoverable from related Insurance Proceeds or Liquidation Proceeds on such Mortgage Loan or REO Property as provided herein.

 

 

 “Servicing Fee”: With respect to each Mortgage Loan and for any calendar month, an amount equal to one month’s interest (or in the event of any payment of interest which accompanies a Principal Prepayment in full made by the Mortgagor during such calendar month, interest for the number of days covered by such payment of interest) at the applicable Servicing Fee Rate on the same principal amount on which interest on such Mortgage Loan accrues for such calendar month. A portion of such Servicing Fee may be retained by any Sub-Servicer as its servicing compensation.

“Servicing Fee Rate”: The Servicing Fee Rate on the Group I Mortgage Loans will be equal to 0.250% per annum; and the Servicing Fee Rate on those serviced by Countrywide Home Loans Servicing LP will step-up from 0.250% to 0.375% on the initial Adjustment Date.  The Servicing Fee Rate on the Group II Mortgage Loans will be equal to 0.250% per annum.  The Servicing Fee Rate on the Group III Mortgage Loans will be equal to 0.250% per annum.  

“Servicing Officer”: Any employee of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans, whose name appear on a list of Servicing Officers furnished by the Master Servicer to the Trustee, the Trust Administrator and the Depositor on the Closing Date, as such list may from time to time be amended.

“Single Certificate”: With respect to any Class of Certificates (other than any Class of Residual Certificates), a hypothetical Certificate of such Class evidencing a Percentage Interest for such Class corresponding to an initial Certificate Principal Balance or initial Notional Amount, as applicable, of $1,000. With respect to the Residual Certificates, a hypothetical Certificate of such Class evidencing a 20% Percentage Interest in such Class.

“Special Hazard Amount”:  For Collateral Pool I, initially an amount equal to $6,772,814. For Collateral Pool II, initially an amount equal to $3,835,000. For Collateral Pool III, initially an amount equal to $875,945. As of each anniversary of the Cut-off Date, for any Collateral Pool the Special Hazard Amount shall equal the lesser of (i) the Special Hazard Amount on the immediately preceding anniversary of the Cut-off Date less the sum of all amounts allocated to the related Subordinate Certificates in respect of Special Hazard Losses on the related Mortgage Loans during such year and (ii) the related Adjustment Amount for such anniversary.  After the Certificate Principal Balances of the related Subordinate Certificates are reduced to zero, the Special Hazard Amount for a Collateral Pool will be zero.

“Special Hazard Loss”: Any Realized Loss or portion thereof not in excess of the lesser of the cost of repair or replacement of a Mortgaged Property suffered by such Mortgaged Property by reason of damage caused by certain hazards (including earthquakes, mudflows, and, to a limited extent, floods) not insured against under the hazard insurance policies or fire or flood insurance policies required to be maintained in respect of such Mortgaged Property pursuant to Section 3.14, or by reason of the application of any co-insurance provision. Special Hazard Losses shall not include any Extraordinary Loss or any of the following:

(i)         wear and tear, deterioration, rust or corrosion, mold, wet or dry rot; inherent vice or latent defect; animals, birds, vermin, insects;

(ii)         smog, smoke, vapor, liquid or dust discharge from agricultural or industrial operations; pollution; contamination;

 

 

(iii)        settling, subsidence, cracking, shrinkage, bulging or expansion of pavements, foundations, walls, floors, roofs or ceilings; and

(iv)        errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues and then only for the ensuing loss.

“S&P”: Standard & Poor’s Ratings Services, a division of the McGraw-Hill Companies, Inc., or its successor in interest.

“Startup Day”: With respect to any Trust REMIC, the day designated as such pursuant to Section 10.01(b) hereof.

“Stated Principal Balance”: With respect to any Mortgage Loan: (a) as of any date of determination up to but not including the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such Mortgage Loan would be distributed, the Scheduled Principal Balance of such Mortgage Loan as of the Cut-off Date, as shown in the Mortgage Loan Schedule, minus the sum of (i) the principal portion of each Monthly Payment due on a Due Date subsequent to the Cut-off Date, to the extent received from the Mortgagor or advanced by the Master Servicer and distributed pursuant to Section 4.01 on or before such date of determination, (ii) all Principal Prepayments received after the Cut-off Date, to the extent distributed pursuant to Section 4.01 on or before such date of determination, (iii) all Liquidation Proceeds and Insurance Proceeds applied by the Master Servicer
as recoveries of principal in accordance with the provisions of Section 3.16, to the extent distributed pursuant to Section 4.01 on or before such date of determination, and (iv) any Realized Loss incurred with respect thereto as a result of a Deficient Valuation made during or prior to the Prepayment Period for the most recent Distribution Date coinciding with or preceding such date of determination; and (b) as of any date of determination coinciding with or subsequent to the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such Mortgage Loan would be distributed, zero. With respect to any REO Property: (a) as of any date of determination up to but not including the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such REO Property would be distributed, an amount (not less than zero) equal to the Stated Principal Balance of the related Mortgage Loan as of the date on which such REO Property was acquired on
behalf of the Trust Fund, minus, the principal portion of Monthly Payments that would have become due on such related Mortgage Loan after such REO Property was acquired if such Mortgage Loan had not been converted to an REO Property, to the extent advanced by the Master Servicer and distributed pursuant to Section 4.01 on or before such date of determination; and (b) as of any date of determination coinciding with or subsequent to the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such REO Property would be distributed, zero.

“Stayed Funds”: If the Master Servicer is the subject of a proceeding under the federal Bankruptcy Code and the making of a any payment required to be made under the terms of the Certificates and this Agreement is prohibited by Section 362 of the federal Bankruptcy Code, funds which are in the custody of the Master Servicer, a trustee in bankruptcy or a federal bankruptcy court and should have been the subject of such Remittance absent such prohibition.

“Stripped Interest Rate”: With respect to any Group II Mortgage Loan, the excess, if any, of the Expense Adjusted Mortgage Rate over 5.500% per annum. With respect to any Group III Mortgage Loan, the excess, if any, of the Expense Adjusted Mortgage Rate over 5.500% per annum.  

 

 

“Subordinate Certificates”: The Group I Subordinate Certificates, the Group II Subordinate Certificates and the Group III Subordinate Certificates. 

“Subordinate Net WAC Rate”:  For any Distribution Date and the Group I Subordinate Certificates, a rate per annum equal to the weighted average, weighted in proportion to the results of subtracting from the aggregate principal balance of each of Loan Group I-1, Loan Group I-2, Loan Group I-3 and Group I-4, respectively, the aggregate Certificate Principal Balance of the related Class A Certificates and Residual Certificates, of the weighted average of the Expense Adjusted Mortgage Rates of the Group I-1 Mortgage Loans, the Group I-2 Mortgage Loans, the Group I-3 Mortgage Loans and the Group I-4 Mortgage Loans. 

“Subordinate Percentage”: A Group I Subordinate Percentage, the Group II Subordinate Percentage or the Group III Subordinate Percentage, as applicable.

 

“Subordinate Prepayment Percentage”: A Group I Subordinate Prepayment Percentage, the Group II Subordinate Prepayment Percentage or the Group III Subordinate Prepayment Percentage, as applicable. 

 

“Subordinate Principal Distribution Amount”: With respect to any Collateral Pool and for any Distribution Date, an amount equal to the lesser of (i) the related Available Distribution Amount or related Available Distribution Amounts, as the case may be, remaining after distribution of the Interest Distribution Amounts to the related Classes of Senior Certificates, the related Class PO Principal Distribution Amount to the related Class PO Certificates (in the case of Collateral Pool II or Collateral Pool III) and the Interest Distribution Amounts to the related Classes of Subordinate Certificates and (ii) the aggregate of the sum of:

 

(a)        the product of (x) the then-applicable related Subordinate Percentage and (y) the sum of the following:

 

(i)                the related Non-Class PO Percentage of the aggregate of the principal portions of all Monthly Payments due during the related Due Period in respect of the related Mortgage Loans, whether or not received; 

 

(ii)               the related Non-Class PO Percentage of the principal portion of all Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (other than amounts described in clause (c) below) received in respect of the related Mortgage Loans during the related Prepayment Period (other than any related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01 during the related Prepayment Period), net of any portion thereof that represents a recovery of principal for which an advance was made by the Master Servicer pursuant to Section 4.03 in respect of a preceding Distribution Date; 

 

(iii)              the related Non-Class PO Percentage of the Stated Principal Balance (calculated immediately prior to such Distribution Date) of each related Mortgage Loan that was purchased, sold or replaced pursuant to or as contemplated by Section 2.03 or Section 9.01 during the related Prepayment Period; 

 

	
            (iv)
 	
            [reserved];
 

 

 

 

(v)               in connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans in the related Collateral Pool pursuant to Section 2.03 during the related Prepayment Period, the excess, if any, of (A) the aggregate of the related Non-Class PO Percentage of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Deleted Mortgage Loans, net of the aggregate of the related Non-Class PO Percentage of the principal portions of the Monthly Payments due during the related Prepayment Period (to the extent received from the related Mortgagor or advanced by the related Servicer and distributed pursuant to Section 4.01 on the Distribution Date in the related Prepayment Period) in respect
of each such Deleted Mortgage Loan that was replaced prior to the Distribution Date in the related Prepayment Period, over (B) the aggregate of the related Non-Class PO Percentage of the Stated Principal Balances (calculated as of the respective dates of substitution) of such Qualified Substitute Mortgage Loans; 

(b)        the product of (x) the then-applicable related Subordinate Prepayment Percentage and (y) the related Non-Class PO Percentage of all Principal Prepayments received in respect of the related Mortgage Loans during the related Prepayment Period;

(c)        with respect to any related Mortgage Loans which were the subject of a Final Recovery Determination in the related Prepayment Period, the amount, if any, by which the net Liquidation Proceeds and Insurance Proceeds allocable to principal in respect of such Mortgage Loans exceed the amount distributable to the related Class A Certificates and any related Class PO Certificates pursuant to clause (c) of the definition of “Senior Principal Distribution Amount” and clause (c) of the definition of “Class PO Principal Distribution Amount” 

(d)        in the case of any Distribution Date subsequent to the initial Distribution Date, an amount equal to the excess, if any, of the amounts calculated pursuant to clauses (a), (b) and (c) above for the immediately preceding Distribution Date, over the aggregate distributions of principal made in respect of the Subordinate Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent that any such amounts are not attributable to Realized Losses that were allocated to the Subordinate Certificates pursuant to Section 4.04; and

(e)        with respect to Subordinate Certificates relating to Collateral Pool I, any Class A Principal Adjustment Amount, if (i) the Subordination Test with respect to the related Subordinate Certificates has been met with respect to such Distribution Date and (ii) there are Class A Certificates remaining outstanding relating to more than one Loan Group in such Collateral Pool. 

“Subordination Test”: With respect to Collateral Pool I, the Subordination Test will be met if the Group I Subordinate Percentage is equal to or greater than two times the initial Group I Subordinate Percentage. 

“Sub-Servicer”: Any Person (i) with which the Master Servicer has entered into a Sub-Servicing Agreement and which meets the qualifications of a Sub-Servicer pursuant to Section 3.02 or (ii) in the case of each Initial Sub-Servicing Agreement, the related servicer thereunder. 

“Sub-Servicing Account”: An account established by a Sub-Servicer which meets the requirements set forth in Section 3.08 and is otherwise acceptable to the Master Servicer.

 

 

“Sub-Servicing Agreement”: Either (i) the written contract between the Master Servicer and a Sub-Servicer relating to servicing and administration of certain Mortgage Loans as provided in Section 3.02 or (ii) any Initial Sub Servicing Agreement.

“Subsequent Recoveries”: As of any Distribution Date, amounts received by the Trust Fund (net of any related expenses permitted to be reimbursed to the related Sub-Servicer or the Master Servicer from such amounts under the related Sub-Servicing Agreement or hereunder) specifically related to a Mortgage Loan that was the subject of a liquidation or an REO Disposition prior to the related Prepayment Period that resulted in a Realized Loss.

“Substitution Shortfall Amount”: As defined in Section 2.03 hereof.  

“SunTrust”: SunTrust Mortgage, Inc., or its successor in interest.

“SunTrust Mortgage Loans”: The Mortgage Loans originated by SunTrust. 

“Tax Returns”: The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of any Trust REMIC due to its classification as a REMIC under the REMIC Provisions, together with any and all other information reports or returns that may be required to be furnished to the Certificateholders or filed with the Internal Revenue Service or any other governmental taxing authority under any applicable provisions of federal, state or local tax laws.

“Termination Price”:  As defined in Section 9.01.

“Terminator”: With respect to the termination of REMIC I-A, the Seller (provided that the Seller may at any time sell, assign or otherwise dispose of its right to be Terminator of REMIC I-A). With respect to the termination of REMIC II-A, the Seller (provided that the Seller may at any time sell, assign or otherwise dispose of its right to be Terminator of REMIC II-A).  With respect to the termination of REMIC III-A, the Seller (provided that the Seller may at any time sell, assign or otherwise dispose of its right to be Terminator of REMIC III-A).  

“Transfer”: Any direct or indirect transfer, sale, pledge, hypothecation, or other form of assignment of any Ownership Interest in a Certificate.

“Transferee”: Any Person who is acquiring by Transfer any Ownership Interest in a Certificate.

“Transferor”: Any Person who is disposing by Transfer of any Ownership Interest in a Certificate.

“Trigger Amount”:  The Trigger Amount for Collateral Pool I and for any Distribution Date occurring after the first seven years from the Closing Date will be as follows: for any Distribution Date on or after the seventh and prior to the eighth anniversary of the first Distribution Date, 30% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the eighth and prior to the ninth anniversary of the first Distribution Date, 35% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the ninth and prior to the tenth anniversary of the first Distribution Date, 40% of the initial sum of the Certificate Principal 

 

Balances of the related Subordinate Certificates; for any Distribution Date on or after the tenth and prior to the eleventh anniversary of the first Distribution Date, 45% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; and for any Distribution Date on or after the eleventh anniversary of the first Distribution Date, 50% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates.

The Trigger Amount for Collateral Pool II and for any Distribution Date occurring after the first five years from the Closing Date will be as follows: for any Distribution Date on or after the fifth and prior to the sixth anniversary of the first Distribution Date, 30% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the sixth and prior to the seventh anniversary of the first Distribution Date, 35% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the seventh and prior to the eighth anniversary of the first Distribution Date, 40% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the eighth and prior to the ninth anniversary of the
first Distribution Date, 45% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; and for any Distribution Date on or after the ninth anniversary of the first Distribution Date, 50% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates.

The Trigger Amount for Collateral Pool III and for any Distribution Date occurring after the first five years from the Closing Date will be as follows: for any Distribution Date on or after the fifth and prior to the sixth anniversary of the first Distribution Date, 30% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the sixth and prior to the seventh anniversary of the first Distribution Date, 35% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the seventh and prior to the eighth anniversary of the first Distribution Date, 40% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; for any Distribution Date on or after the eighth and prior to the ninth anniversary of the
first Distribution Date, 45% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates; and for any Distribution Date on or after the ninth anniversary of the first Distribution Date, 50% of the initial sum of the Certificate Principal Balances of the related Subordinate Certificates.

“Trust Administrator”: CitiMortgage, Inc., or its successor in interest, or any successor trust administrator appointed as herein provided. 

“Trust Bifurcation Amount”: With respect to any Distribution Date, the portion of amounts received under the Cap Contract equal to amounts that would have been received under the Cap Contract if the notional amount used to calculate such amounts were equal to the lesser of (i) the notional amount as it appears on the notional amount schedule of the Cap Contract and (ii) the Certificate Principal Balance of the Class II-A1 Certificates immediately prior to such Distribution Date.

“Trust Fund”: Collectively, all of the assets of REMIC I-A, REMIC I-B, REMIC II-A, REMIC II-B and REMIC III-A together with the Buydown Account, the Floater Cap Reserve Account and the Trust Bifurcation Amounts.

“Trustee”: U.S. Bank National Association, or its successor in interest, or any successor trustee appointed as herein provided.

 

 

“Trust REMIC”: Each of REMIC I-A, REMIC I-B, REMIC II-A, REMIC II-B and REMIC III-A.

“Uncertificated Balance”:  The amount of any REMIC Regular Interest (other than REMIC II-A Regular Interest LT-IO) outstanding as of any date of determination. As of the Closing Date, the Uncertificated Balance of each such REMIC Regular Interest shall equal the amount set forth in the Preliminary Statement hereto as its initial Uncertificated Balance. On each Distribution Date, the Uncertificated Balance of each such REMIC Regular Interest shall be reduced by all distributions of principal made on such REMIC Regular Interest on such Distribution Date pursuant to Section 4.08 and, if and to the extent necessary and appropriate, shall be further reduced on such Distribution Date by Realized Losses as provided in Section 4.04.

“Uncertificated Notional Amount”: With respect to REMIC II-A Regular Interest LT-IO, the aggregate Scheduled Principal Balance of the Group II Mortgage Loans.  

“Undercollateralized Amount”: As to any Distribution Date and any Loan Group within Collateral Pool I, the excess, if any, of the Certificate Principal Balance of the related Class A Certificates immediately prior to such Distribution Date over the sum of (i) the aggregate Scheduled Principal Balance of the related Mortgage Loans plus (ii) the aggregate Scheduled Principal Balance of the REO Properties in the related Loan Group, in each case before reduction for any Realized Losses on such Distribution Date.   

“Undercollateralized Loan Group”: With respect to the Class A Certificates relating to Collateral Pool I, as to any Distribution Date, any Loan Group within such Collateral Pool for which an Undercollateralized Amount greater than zero is calculated. 

“Uninsured Cause”: Any cause of damage to a Mortgaged Property such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies required to be maintained pursuant to Section 3.14.

“United States Person”: A citizen or resident of the United States, a corporation, partnership or other entity created or organized in, or under the laws of, the United States, any State thereof or the District of Columbia (except, in the case of a partnership, to the extent provided in regulations); provided that, for purposes solely of the restrictions on the transfer of the Class R Certificates, no partnership or other entity treated as a partnership for United States federal income tax purposes shall be treated as a United States Person unless all persons that own an interest in such partnership either directly or through any entity that is not a corporation for United States federal income tax purposes are required by the applicable operative agreement to be United States Persons, or an estate whose income is subject to United States federal income tax regardless of its
source, or a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more United States Persons have the authority to control all substantial decisions of the trust. To the extent prescribed in regulations by the Secretary of the Treasury, a trust which was in existence on August 20, 1996 (other than a trust treated as owned by the grantor under subpart E of part I of subchapter J of chapter 1 of the Code), and which was treated as a United States person on August 20, 1996 may elect to continue to be treated as a United States person notwithstanding the previous sentence. The term “United States” shall have the meaning set forth in Section 7701 of the Code.

“Value”: With respect to any Mortgaged Property, the value thereof as determined by an appraisal made for the originator of the Mortgage Loan at the time of origination of the Mortgage Loan or such 

 

other value assigned to such Mortgaged Property by the originator at the time of origination of the Mortgage Loan.

“Voting Rights”: The portion of the voting rights of all of the Certificates which is allocated to any Certificate. At all times during the term of this Agreement, (i) 99% of all of the Voting Rights relating to Collateral Pool I shall be allocated to the Holders of the related Classes of Regular Certificates (other than the related Residual Certificates) in proportion to their then outstanding Certificate Principal Balances and (ii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the related Residual Certificates. All Voting Rights allocated to any Holders of any Class of Certificates relating to Collateral Pool I shall be allocated among the Holders of the Certificates of such Class pro rata in accordance with the respective Percentage Interests evidenced thereby.  

At all times during the term of this Agreement, (i) 97% of all of the Voting Rights relating to Collateral Pool II shall be allocated to the Holders of the related Classes of Regular Certificates (other than the related Residual Certificates and the related Interest Only Certificates) in proportion to their then outstanding Certificate Principal Balances, (ii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the Class II-A2 Certificates, (iii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the Class II-XS Certificates and (vi) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the related Residual Certificates. All Voting Rights allocated to any Holders of any Class of Certificates relating to Collateral Pool II shall be allocated among the Holders of
the Certificates of such Class pro rata in accordance with the respective Percentage Interests evidenced thereby.

At all times during the term of this Agreement, (i) 98% of all of the Voting Rights relating to Collateral Pool III shall be allocated to the Holders of the related Classes of Regular Certificates (other than the related Residual Certificates and the related Interest Only Certificates) in proportion to their then outstanding Certificate Principal Balances, (ii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the Class III-XS Certificates and (iii) 1% of all Voting Rights relating to such Collateral Pool will be allocated among the Holders of the Residual Certificates. All Voting Rights allocated to any Holders of any Class of Certificates relating to Collateral Pool III shall be allocated among the Holders of the Certificates of such Class pro rata in accordance with the respective Percentage
Interests evidenced thereby.  

“Weichert”:  Mortgage Access Corp. D/B/A Weichert Financial Services, or its successor in interest.

“Weichert Mortgage Loans”: The Mortgage Loans originated by Weichert.

“Wells Fargo”: Wells Fargo Bank, N.A., as successor in interest to Wells Fargo Home Mortgage, Inc., or its successor in interest.

“Wells Mortgage Loans”: The Mortgage Loans originated by Wells Fargo.

	
            SECTION 1.02
 	
            Allocation of Certain Interest Shortfalls.
 

The aggregate amount of any Prepayment Interest Shortfalls (to the extent not covered by payments by the Master Servicer pursuant to Section 3.24) and any Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans in a Collateral Pool for any Distribution Date shall be allocated among the 

 

related Certificates (other than the Class I-P Certificates, the Class II-PO Certificates and the Class III-PO Certificates) pro rata in accordance with, and to the extent of one month’s interest at the Pass Through Rate on the respective Certificate Principal Balance or Notional Amount of such Certificate immediately prior to such Distribution Date.

 

 

ARTICLE II

 

CONVEYANCE OF MORTGAGE LOANS;

ORIGINAL ISSUANCE OF CERTIFICATES

	
            SECTION 2.01
 	
            Conveyance of Mortgage Loans.
 

The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey to the Trustee without recourse for the benefit of the Certificateholders all the right, title and interest of the Depositor, including any security interest therein for the benefit of the Depositor, in and to the Mortgage Loans identified on the Mortgage Loan Schedule, the rights of the Depositor under the Mortgage Loan Purchase Agreement (except Section 18 thereof), and all other assets included or to be included in REMIC I-A, REMIC II-A and REMIC III-A, the Buydown Account, the Floater Cap Reserve Account and the Trust Bifurcation Amounts. Such assignment includes all interest and principal received by the Depositor or the Master Servicer on or with respect to the Mortgage Loans (other than payments of principal and interest due on such Mortgage Loans on or
before the Cut-off Date).  The Non-Trust Bifurcation Amounts shall not be part of the Trust Fund or any REMIC. The Depositor hereby directs the Trustee to execute, deliver and perform its obligations under the Cap Contract, on the Closing Date and thereafter, on behalf of the Holders of the Class II-A1 Certificates and Citigroup Global Markets Realty Corp., as owner of the Non-Trust Bifurcation Amounts.  The Depositor herewith delivers to the Trustee an executed copy of the Mortgage Loan Purchase Agreement, and the Trustee, on behalf of the Certificateholders, acknowledges receipt of the same.  

In connection with such transfer and assignment, the Depositor does hereby deliver to, and deposit with, the Trustee or a Custodian on its behalf, the following documents or instruments (a “Mortgage File”) with respect to each Mortgage Loan so transferred and assigned:

(i)         The Mortgage Note, endorsed by manual or facsimile signature without recourse by the Originator or an Affiliate of the Originator in blank or to the Trustee showing a complete chain of endorsements from the named payee to the Trustee or from the named payee to the Affiliate of the Originator and from such Affiliate to the Trustee;

(ii)         The original recorded Mortgage, noting the presence of the MIN of the Mortgage Loan and language indicating that the Mortgage Loan is a MOM Loan if the Mortgage Loan is a MOM Loan, with evidence of recording thereon or a copy of the Mortgage certified by the public recording office in those jurisdictions where the public recording office retains the original;

(iii)        Unless the Mortgage Loan is registered on the MERS® System, an assignment to the Trustee in recordable form of the Mortgage which may be included, where permitted by local law, in a blanket assignment or assignments of the Mortgage to the Trustee, including any intervening assignments and showing a complete chain of title from the original mortgagee named under the Mortgage to the Person assigning the Mortgage Loan to the Trustee (or to MERS, noting the presence of the MIN, if the Mortgage Loan is registered on the MERS® System);

(iv)        Any original assumption, modification, buydown or conversion-to- fixed-interest-rate agreement applicable to the Mortgage Loan;

 

 

(v)        With respect to any Mortgage Loan listed on the Mortgage Loan Schedule as  subject to a Primary Mortgage Insurance Policy, the original Primary Mortgage Insurance Policy or certificate or a copy thereof; 

(vi)        The original or a copy of the title insurance policy (which may be a certificate or a short form policy relating to a master policy of title insurance) pertaining to the Mortgaged Property, or in the event such original title policy is unavailable, a copy of the preliminary title report and the lender’s recording instructions, with the original to be delivered within 180 days of the Closing Date or an attorney’s opinion of title in jurisdictions where such is the customary evidence of title; and

(v)        if such Mortgage Loan is a Buydown Mortgage Loan (as shown in the Mortgage Loan Schedule), the original Buydown Agreement or a copy thereof.

In instances where an original recorded Mortgage cannot be delivered by the Depositor to the Trustee (or a Custodian on behalf of the Trustee) prior to or concurrently with the execution and delivery of this Agreement, due to a delay in connection with the recording of such Mortgage, the Depositor may, (a) in lieu of delivering such original recorded Mortgage referred to in clause (ii) above, deliver to the Trustee (or a Custodian on behalf of the Trustee) a copy thereof, provided that the Depositor certifies that the original Mortgage has been delivered to a title insurance company for recordation after receipt of its policy of title insurance or binder therefor (which may be a certificate relating to a master policy of title insurance), and (b) in lieu of delivering the completed assignment in recordable form referred to in clause (iii) above to the Trustee (or a Custodian on behalf of
the Trustee), deliver such assignment to the Trustee (or a Custodian on behalf of the Trustee) completed except for recording information. In all such instances, the Depositor will deliver the original recorded Mortgage and completed assignment (if applicable) to the Trustee (or a Custodian on behalf of the Trustee) promptly upon receipt of such Mortgage. In instances where an original recorded Mortgage has been lost or misplaced, the Depositor or the related title insurance company may deliver, in lieu of such Mortgage, a copy of such Mortgage bearing recordation information and certified as true and correct by the office in which recordation thereof was made. In instances where the original or a copy of the title insurance policy referred to in clause (vi) above (which may be a certificate relating to a master policy of title insurance) pertaining to the Mortgaged Property relating to a Mortgage Loan cannot be delivered by the Depositor to the Trustee (or a Custodian on behalf of
the Trustee) prior to or concurrently with the execution and delivery of this Agreement because such policy is not yet available, the Depositor may, in lieu of delivering the original or a copy of such title insurance referred to in clause (vi) above, deliver to the Trustee (or a Custodian on behalf of the Trustee) a binder with respect to such policy (which may be a certificate relating to a master policy of title insurance) and deliver the original or a copy of such policy (which may be a certificate relating to a master policy of title insurance) to the Trustee (or a Custodian on behalf of the Trustee) within 180 days of the Closing Date, in instances where an original assumption, modification, buydown or conversion-to-fixed- interest-rate agreement cannot be delivered by the Depositor to the Trustee (or a Custodian on behalf of the Trustee) prior to or concurrently with the execution and delivery of this Agreement, the Depositor may, in lieu of delivering the original of such
agreement referred to in clause (iv) above, deliver a certified copy thereof.

To the extent not already recorded, except with respect to any Mortgage Loan for which MERS is identified on the Mortgage or on a properly recorded assignment of the Mortgage as the mortgagee of record, the Master Servicer, at the expense of the Seller shall promptly (and in no event later than five Business Days following the later of the Closing Date and the date of receipt by the Master Servicer of the recording information for a Mortgage) submit or cause to be submitted for recording, at no expense to any Trust REMIC, 

 

in the appropriate public office for real property records, each Assignment delivered to it pursuant to (iii) above. In the event that any such Assignment is lost or returned unrecorded because of a defect therein, the Master Servicer, at the expense of the Seller, shall promptly prepare or cause to be prepared a substitute Assignment or cure or cause to be cured such defect, as the case may be, and thereafter cause each such Assignment to be duly recorded. Notwithstanding the foregoing, but without limiting the requirement that such Assignments be in recordable form, neither the Master Servicer nor the Trustee shall be required to submit or cause to be submitted for recording any Assignment delivered to it or a Custodian pursuant to (iii) above if such recordation shall not, as of the Closing Date, be required by the Rating Agencies, as a condition to their assignment on the Closing Date of their initial
ratings to the Certificates, as evidenced by the delivery by the Rating Agencies of their ratings letters on the Closing Date; provided, however, notwithstanding the foregoing, the Master Servicer shall submit each Assignment for recording, at no expense to the Trust Fund or the Master Servicer, upon the earliest to occur of: (A) reasonable direction by Holders of Certificates entitled to at least 25% of the Voting Rights, (B) the occurrence of a Master Servicer Event of Termination, (C) the occurrence of a bankruptcy, insolvency or foreclosure relating to the Seller, (D) the occurrence of a servicing transfer as described in Section 7.02 of this Agreement and (E) with respect to any one Assignment the occurrence of a foreclosure relating to the Mortgagor under the related Mortgage. Notwithstanding the foregoing, if the Seller fails to pay the cost of recording the Assignments, such expense will be paid by the Master Servicer and the Master Servicer shall be reimbursed for such
expenses by the Trust as set forth herein.

In connection with the assignment of any Mortgage Loan registered on the MERS System, the Depositor further agrees that it will cause, within 30 Business Days after the Closing Date, the MERS System to indicate that such Mortgage Loans have been assigned by the Depositor to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including in such computer files (a) the code in the field which identifies the specific Trustee and (b) the code in the field “Pool Field” which  identifies the series of the Certificates issued in connection with such Mortgage Loans. The Depositor  further agrees that it will not, and will not permit the Master Servicer to, and the Master Servicer agrees that it will not and will not permit a Sub-Servicer to, alter the codes referenced in this paragraph with respect to any Mortgage Loan during the term of this
Agreement unless and until such Mortgage Loan is repurchased in accordance with the terms of this Agreement.

With respect to a maximum of approximately 5.00% of the Original Mortgage Loans, by outstanding principal balance of the Original Mortgage Loans as of the Cut-off Date, if any original Mortgage Note referred to in (i) above cannot be located, the obligations of the Depositor to deliver such documents shall be deemed to be satisfied upon delivery to the Trustee (or a Custodian on behalf of the Trustee) of a photocopy of such Mortgage Note, if available, with a lost note affidavit. If any of the original Mortgage Notes for which a lost note affidavit was delivered to the Trustee (or a Custodian on behalf of the Trustee) is subsequently located, such original Mortgage Note shall be delivered to the Trustee (or a Custodian on behalf of the Trustee) within three Business Days.

The Depositor shall deliver or cause to be delivered to the Trustee (or a Custodian on behalf of the Trustee) promptly upon receipt thereof any other original documents constituting a part of a Mortgage File received with respect to any Mortgage Loan, including, but not limited to, any original documents evidencing an assumption, modification, consolidation or extension of any Mortgage Loan.

All original documents relating to the Mortgage Loans that are not delivered to the Trustee (or a Custodian on behalf of the Trustee) are and shall be held by or on behalf of the Seller, the Depositor or the Master Servicer, as the case may be, in trust for the benefit of the Trustee on behalf of the Certificateholders. In 

 

the event that any such original document is required pursuant to the terms of this Section to be a part of a Mortgage File, such document shall be delivered promptly to the Trustee (or a Custodian on behalf of the Trustee). Any such original document delivered to or held by the Depositor that is not required pursuant to the terms of this Section to be a part of a Mortgage File, shall be delivered promptly to the Master Servicer.

Wherever it is provided in this Section 2.01 that any document, evidence or information relating to a Mortgage Loan be delivered or supplied to the Trustee, the Depositor shall do so by delivery thereof to the Trustee or Custodian on behalf of the Trustee.

It is agreed and understood by the parties hereto that it is not intended that any Mortgage Loan to be included in the Trust Fund be (i) a “High-Cost Home Loan” as defined in the New Jersey Home Ownership Act effective November 27, 2003, (ii) a “High-Cost Home Loan” as defined in the New Mexico Home Loan Protection Act effective January 1, 2004, (iii) a “High-Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Loan Practices Act effective November 7, 2004 or (iv) a “High Cost Home Loan” as defined in the Indiana Home Loan Practices Act effective January 1, 2005.  It is agreed and understood by the parties hereto that it is not intended that any Mortgage Loan to be included in the Trust Fund not comply in all material respects with applicable local, state and federal laws, including, but not limited to, all applicable predatory and
abusive lending laws.

	
            SECTION 2.02
 	
            Acceptance of the Trust Fund by the Trustee.
 

Subject to the provisions of Section 2.01 and subject to any exceptions noted on an exception report delivered by or on behalf of the Trustee, the Trustee acknowledges receipt of the documents referred to in Section 2.01 (other than such documents described in Section 2.01(iv)) and all other assets included in the definition of “Trust Fund” and declares that it holds and will hold such documents and the other documents delivered to it constituting the Mortgage File, and that it holds or will hold all such assets and such other assets included in the definition of “Trust Fund” in trust for the exclusive use and benefit of all present and future Certificateholders.

The Trustee, by execution and delivery hereof, acknowledges receipt, subject to the review described in the succeeding sentence, of the documents and other property referred to in Section 2.01 and declares that the Trustee (or a Custodian on behalf of the Trustee) holds and will hold such documents and other property, including property yet to be received in the Trust Fund, in trust, upon the trusts herein set forth, for the benefit of all present and future Certificateholders. The Trustee or the Custodian on its behalf shall, for the benefit of the Trustee and the Certificateholders, review each Mortgage File within 90 days after execution and delivery of this Agreement, to ascertain that all required documents have been executed, received and recorded, if applicable, and that such documents relate to the Mortgage Loans. If in the course of such review the Trustee or the Custodian on its
behalf finds a document or documents constituting a part of a Mortgage File to be defective in any material respect, the Trustee or the Custodian on its behalf shall promptly so notify the Depositor, the Trust Administrator, the Paying Agent, the Seller, the Master Servicer and, if such notice is from the Custodian on the Trustee’s behalf, the Trustee. In addition, upon the discovery by the Depositor, the Master Servicer, the Trust Administrator, the Paying Agent or the Trustee of a breach of any of the representations and warranties made by the Seller in the Mortgage Loan Purchase Agreement in respect of any Mortgage Loan which materially adversely affects such Mortgage Loan or the interests of the related Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties.

 

 

The Depositor and the Trustee intend that the assignment and transfer herein contemplated constitute a sale of the Mortgage Loans, the related Mortgage Notes and the related documents, conveying good title thereto free and clear of any liens and encumbrances, from the Depositor to the Trustee in trust for the benefit of the Certificateholders and that such property not be part of the Depositor’s estate or property of the Depositor in the event of any insolvency by the Depositor. In the event that such conveyance is deemed to be, or to be made as security for, a loan, the parties intend that the Depositor shall be deemed to have granted and does hereby grant to the Trustee a first priority perfected security interest in all of the Depositor’s right, title and interest in and to the Mortgage Loans, the related Mortgage Notes and the related documents, and that this Agreement shall
constitute a security agreement under applicable law.

The Trustee may, concurrently with the execution and delivery hereof or at any time thereafter, enter into a custodial agreement with a Custodian pursuant to which the Trustee appoints a Custodian to hold the Mortgage Files on behalf of the Trustee for the benefit of the Trustee and all present and future Certificateholders, which may provide that the Custodian shall, on behalf of the Trustee, conduct the review of each Mortgage File required under the first paragraph of this Section 2.02. Initially, Citibank West, FSB is appointed as Custodian with respect to the Mortgage Files of all the Mortgage Loans and, notwithstanding anything to the contrary herein, it is understood that such initial Custodian shall be responsible for the review contemplated in the second paragraph of this Section 2.02 and for all other functions relating to the receipt, review, reporting and certification provided
for herein with respect to the Mortgage Files (other than ownership thereof for the benefit of the Certificateholders and related duties and obligations set forth herein).  

	
            SECTION 2.03
 	
            Repurchase or Substitution of Mortgage Loans by the Seller or the Depositor.
 

(a)        Upon discovery or receipt of notice by the Depositor, the Master Servicer, the Trust Administrator or the Trustee of any materially defective document in, or that a document is missing from, a Mortgage File or of the breach by the Seller of any representation, warranty or covenant under the Mortgage Loan Purchase Agreement in respect of any Mortgage Loan which materially adversely affects the value of such Mortgage Loan or the interest therein of the Certificateholders, the party so discovering or receiving notice shall promptly notify the other parties to this Agreement, and the Trustee thereupon shall promptly notify the Seller of such defect, missing document or breach and request that the Seller deliver such missing document or cure such defect or breach within 90 days from the date the Seller was notified of such missing document,
defect or breach, and if the Seller does not deliver such missing document or cure such defect or breach in all material respects during such period, the Trustee shall enforce the obligations of the Seller under the Mortgage Loan Purchase Agreement (i) to repurchase such Mortgage Loan from REMIC I-A, REMIC II-A or REMIC III-A at the Purchase Price within 90 days after the date on which the Seller was notified (subject to Section 2.03(e)) of such missing document, defect or breach, and (ii) to indemnify the Trust Fund in respect of such missing document, defect or breach, in the case of each of (i) and (ii),  if and to the extent that the Seller is obligated to do so under the Mortgage Loan Purchase Agreement. The Purchase Price for the repurchased Mortgage Loan and any indemnification shall be remitted by the Seller to the Master Servicer for deposit into the Collection Account, and the Trust Administrator, upon receipt of written notice from the Master Servicer of such deposit, shall
give written notice to the Trustee that such deposit has taken place and the Trustee shall release (or cause the Custodian to release on its behalf) to the Seller the related Mortgage File, and the Trustee and the Trust Administrator shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Seller shall furnish to it and as shall be necessary to vest in the Seller any Mortgage Loan released pursuant hereto, and the Trustee and the Trust Administrator shall have no further responsibility with 

 

regard to such Mortgage File. In furtherance of the foregoing, if the Seller is not a member of MERS and repurchases a Mortgage Loan which is registered on the MERS System, the Seller pursuant to the Mortgage Loan Purchase Agreement at its own expense and without any right of reimbursement, shall cause MERS to execute and deliver an assignment of the Mortgage in recordable form to transfer the Mortgage from MERS to the Seller and shall cause such Mortgage to be removed from registration on the MERS System in accordance with MERS rules and regulations. In lieu of repurchasing any such Mortgage Loan as provided above, if so provided in the Mortgage Loan Purchase Agreement the Seller may cause such Mortgage Loan to be removed from REMIC I-A, REMIC II-A or REMIC III-A (in which case it shall become a Deleted Mortgage Loan) and substitute one or more Qualified Substitute Mortgage Loans in the manner and subject
to the limitations set forth in Section 2.03(d). It is understood and agreed that the obligation of the Seller to cure or to repurchase (or to substitute for) any Mortgage Loan as to which a document is missing, a material defect in a constituent document exists or as to which such a breach has occurred and is continuing, and if and to the extent provided in the Mortgage Loan Purchase Agreement to perform any applicable indemnification obligations with respect to any such omission, defect or breach, as provided in the Mortgage Loan Purchase Agreement, shall constitute the only remedies respecting such omission, defect or breach available to the Trustee or the Trust Administrator on behalf of the Certificateholders.

	
            (b)
 	
            Reserved.
 

(c)        Within 90 days of the earlier of discovery by the Master Servicer or receipt of notice by the Master Servicer of the breach of any representation, warranty or covenant of the Master Servicer set forth in Section 2.05 which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the Master Servicer shall cure such breach in all material respects.

(d)        Any substitution of Qualified Substitute Mortgage Loans for Deleted Mortgage Loans made pursuant to Section 2.03(a) must be effected prior to the date which is two years after the Startup Day for REMIC I-A, REMIC II-A or REMIC III-A.

As to any Deleted Mortgage Loan for which the Seller substitutes a Qualified Substitute Mortgage Loan or Loans, such substitution shall be effected by the Seller delivering to the Trustee (or to the Custodian on behalf of the Trustee, as applicable), for such Qualified Substitute Mortgage Loan or Loans, the Mortgage Note, the Mortgage, the Assignment in blank or to the Trustee, and such other documents and agreements, with all necessary endorsements thereon, as are required by Section 2.01, together with an Officers’ Certificate providing that each such Qualified Substitute Mortgage Loan satisfies the definition thereof and specifying the Substitution Shortfall Amount (as described below), if any, in connection with such substitution. The Custodian on its behalf and on behalf of the Trustee shall, for the benefit of the Certificateholders, review each Mortgage File within 90 days
after execution and delivery of this Agreement, to ascertain that all required documents have been executed, received and recorded, if applicable, and that such documents relate to the Mortgage Loans. If in the course of such review the Trustee or the Custodian on its behalf finds a document or documents constituting a part of a Mortgage File to be defective in any material respect, the Trustee or the Custodian on its behalf shall promptly so notify the Depositor, the Trust Administrator, the Seller and the Master Servicer. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution are not part of the Trust Fund and will be retained by the Seller. For the month of substitution, distributions to Certificateholders will reflect the Monthly Payment due on such Deleted Mortgage Loan on or before the Due Date in the month of substitution, and the Seller shall thereafter be entitled to retain all amounts subsequently received in respect of such
Deleted Mortgage Loan. The Trust Administrator shall give or cause to be given written notice to the Trustee and the Certificateholders that such substitution has taken place, and the 

 

Trust Administrator shall amend or cause the Custodian to amend the Mortgage Loan Schedule to reflect the removal of such Deleted Mortgage Loan from the terms of this Agreement and the substitution of the Qualified Substitute Mortgage Loan or Loans and, upon receipt thereof, shall deliver a copy of such amended Mortgage Loan Schedule to the Master Servicer. Upon such substitution, such Qualified Substitute Mortgage Loan or Loans shall constitute part of the Mortgage Pool and shall be subject in all respects to the terms of this Agreement and the Mortgage Loan Purchase Agreement (including all applicable representations and warranties thereof included in the Mortgage Loan Purchase Agreement), in each case as of the date of substitution.

For any month in which the Seller substitutes one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (the “Substitution Shortfall Amount”), if any, by which the aggregate Purchase Price of all such Deleted Mortgage Loans exceeds the aggregate of, as to each such Qualified Substitute Mortgage Loan, the Scheduled Principal Balance thereof as of the date of substitution, together with one month’s interest on such Scheduled Principal Balance at the applicable Mortgage Loan Remittance Rate. On the date of such substitution, the Trustee will monitor the obligation of the Seller to deliver or cause to be delivered, and shall request that such delivery be to the Master Servicer for deposit in the Collection Account, an amount equal to the Substitution Shortfall Amount, if any, and the Trustee (or the
Custodian on behalf of the Trustee, as applicable), upon receipt of the related Qualified Substitute Mortgage Loan or Loans and written notice given by the Master Servicer of such deposit, shall release to the Seller the related Mortgage File or Files and the Trustee and the Trust Administrator shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Seller shall deliver to it and as shall be necessary to vest therein any Deleted Mortgage Loan released pursuant hereto.

In addition, the Seller shall obtain at its own expense and deliver to the Trustee and the Trust Administrator an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on any Trust REMIC, including without limitation, any federal tax imposed on “prohibited transactions” under Section 860F(a)(1) of the Code or on “contributions after the startup date” under Section 860G(d)(1) of the Code, or (b) any Trust REMIC to fail to qualify as a REMIC at any time that any Certificate is outstanding.

(e)        Upon discovery by the Depositor, the Master Servicer, the Trust Administrator or the Trustee that any Mortgage Loan does not constitute a “qualified mortgage” within the meaning of Section 860G(a)(3) of the Code, the party discovering such fact shall within two Business Days give written notice thereof to the other parties to this Agreement, and the Trustee shall give written notice thereof to the Seller. In connection therewith, the Seller pursuant to the Mortgage Loan Purchase Agreement or the Depositor pursuant to this Agreement shall repurchase or, subject to the limitations set forth in Section 2.03(d), substitute one or more Qualified Substitute Mortgage Loans for the affected Mortgage Loan within 90 days of the earlier of discovery or receipt of such notice with respect to such affected Mortgage Loan. Such repurchase or
substitution shall be made by (i) the Seller if the affected Mortgage Loan’s status as a non-qualified mortgage is or results from a breach of any representation, warranty or covenant made by the Seller under the Mortgage Loan Purchase Agreement or (iii) the Depositor, if the affected Mortgage Loan’s status as a non-qualified mortgage is a breach of no representation or warranty. Any such repurchase or substitution shall be made in the same manner as set forth in Sections 2.03(a) and 2.03(d). The Trustee shall reconvey to the Depositor or the Seller, as the case may be, the Mortgage Loan to be released pursuant hereto in the same manner, and on the same terms and conditions, as it would a Mortgage Loan repurchased by the Seller for breach of a representation or warranty.

 

 

	
            SECTION 2.04
 	
            Reserved.
 	
             

	
            SECTION 2.05
 	
            Representations, Warranties and Covenants of the Master Servicer.
 

The Master Servicer hereby represents, warrants and covenants to the Trust Administrator and the Trustee, for the benefit of each of the Trustee, the Trust Administrator, the Certificateholders and to the Depositor that as of the Closing Date or as of such date specifically provided herein:

(i)         The Master Servicer is a corporation duly organized, validly existing and in good standing under the laws of the State of New York and is duly authorized and qualified to transact any and all business contemplated by this Agreement to be conducted by the Master Servicer in any state in which a Mortgaged Property is located or is otherwise not required under applicable law to effect such qualification and, in any event, is in compliance with the doing business laws of any such State, to the extent necessary to ensure its ability to enforce each Mortgage Loan and to service the Mortgage Loans in accordance with the terms of this Agreement;

(ii)         The Master Servicer has the full corporate power and authority to service each Mortgage Loan, and to execute, deliver and perform, and to enter into and consummate the transactions contemplated by this Agreement and has duly authorized by all necessary corporate action on the part of the Master Servicer the execution, delivery and performance of this Agreement; and this Agreement, assuming the due authorization, execution and delivery thereof by the other parties hereto, constitutes a legal, valid and binding obligation of the Master Servicer, enforceable against the Master Servicer in accordance with its terms, except to the extent that (a) the enforceability thereof may be limited by bankruptcy, insolvency, moratorium, receivership and other similar laws relating to creditors’ rights generally and (b) the
remedy of specific performance and injunctive and other forms of equitable relief may be subject to the equitable defenses and to the discretion of the court before which any proceeding therefor may be brought;

(iii)        The execution and delivery of this Agreement by the Master Servicer, the servicing of the Mortgage Loans by the Master Servicer hereunder, the consummation of any other of the transactions herein contemplated, and the fulfillment of or compliance with the terms hereof are in the ordinary course of business of the Master Servicer and will not (A) result in a breach of any term or provision of the charter or by-laws of the Master Servicer or (B) conflict with, result in a breach, violation or acceleration of, or result in a default under, the terms of any other material agreement or instrument to which the Master Servicer is a party or by which it may be bound, or any statute, order or regulation applicable to the Master Servicer of any court, regulatory body, administrative agency or governmental body having
jurisdiction over the Master Servicer; and the Master Servicer is not a party to, bound by, or in breach or violation of any indenture or other agreement or instrument, or subject to or in violation of any statute, order or regulation of any court, regulatory body, administrative agency or governmental body having jurisdiction over it, which materially and adversely affects or, to the Master Servicer’s knowledge, would in the future materially and adversely affect, (x) the ability of the Master Servicer to perform its obligations under this Agreement or (y) the business, operations, financial condition, properties or assets of the Master Servicer taken as a whole;

 

 

(iv)        The Master Servicer is an approved seller/servicer for Fannie Mae or Freddie Mac in good standing and is a HUD approved mortgagee pursuant to Section 203 of the National Housing Act;

(v)        No litigation is pending against the Master Servicer that would materially and adversely affect the execution, delivery or enforceability of this Agreement or the ability of the Master Servicer to service the Mortgage Loans or to perform any of its other obligations hereunder in accordance with the terms hereof;

(vi)        No consent, approval, authorization or order of any court or governmental agency or body is required for the execution, delivery and performance by the Master Servicer of, or compliance by the Master Servicer with, this Agreement or the consummation of the transactions contemplated by this Agreement, except for such consents, approvals, authorizations or orders, if any, that have been obtained prior to the Closing Date; 

(vii)       The Master Servicer covenants that its computer and other systems used in servicing the Mortgage Loans operate in a manner such that the Master Servicer can service the Mortgage Loans in accordance with the terms of this Agreement; and

(viii)      The Master Servicer (or a Sub-Servicer servicing the Mortgage Loans on its behalf) is a member of MERS in good standing, and will comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS.

It is understood and agreed that the representations, warranties and covenants set forth in this Section 2.05 shall survive delivery of the Mortgage Files to the Trustee or to the Custodian on its behalf and shall inure to the benefit of the Trustee, the Trust Administrator, the Depositor and the Certificateholders. Upon discovery by any of the Depositor, the Master Servicer, the Trust Administrator or the Trustee of a breach of any of the foregoing representations, warranties and covenants which materially and adversely affects the value of any Mortgage Loan or the interests therein of the Certificateholders, the party discovering such breach shall give prompt written notice (but in no event later than two Business Days following such discovery) to the Trustee. Subject to Section 7.01, the obligation of the Master Servicer set forth in Section 2.03(c) to cure breaches shall constitute the
sole remedies against the Master Servicer available to the Certificateholders, the Depositor, the Trust Administrator or the Trustee on behalf of the Certificateholders respecting a breach of the representations, warranties and covenants contained in this Section 2.05.

	
            SECTION 2.06
 	
            Issuance of the Certificates.
 

The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery to it or to the Custodian on its behalf of the Mortgage Files, subject to the provisions of Section 2.01 and Section 2.02, together with the assignment to it of all other assets included in REMIC I delivered on the date hereof, receipt of which is hereby acknowledged. Concurrently with such assignment and delivery of such assets delivered on the date hereof and in exchange therefor, the Trust Administrator, pursuant to the written request of the Depositor executed by an officer of the Depositor, has executed, and the Authenticating Agent has authenticated and delivered, to or upon the order of the Depositor, the Certificates in authorized denominations. The interests evidenced by the Certificates constitute the entire beneficial ownership interest in REMIC I-B, REMIC II-B and REMIC III-A.

 

 

	
            SECTION 2.07
 	
            Conveyance of the REMIC Regular Interests; Acceptance of the Trust REMICs by the Trustee.
 

             The rights of the Class I-R Certificateholders, of the Class II-R Certificateholders, and of the Class III-R Certificateholders, and of the holder of each REMIC Regular Interest created hereunder and the Holder of each Regular Certificate to receive distributions, and all ownership interests evidenced or constituted by the Class I-R Certificates, the Class II-R Certificates, the Class III-R Certificates and the Regular Certificates, shall be as set forth in this Agreement.

The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey to the Trustee, without recourse all the right, title and interest of the Depositor in and to the REMIC I-A Regular Interests for the benefit of the Class I-R Certificateholders (as holder of the Class R-IA Residual Interest) and REMIC I-B (as holder of the REMIC I-A Regular Interests). The Trustee acknowledges receipt of the REMIC I-A Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Class I-R Certificateholders (as holder of the Class R-IA Residual Interest) and REMIC I-B (as holder of the REMIC I-A Regular Interests).  The rights of the Class I-R Certificateholders (as holder of the Class R-IA Interest) and of REMIC I-B (as holder of the REMIC I-A Regular Interests) to
receive distributions from the proceeds of REMIC I-A, and all ownership interests evidenced or constituted by the Class I-R Certificates and the Regular Certificates evidencing interests in REMIC I-B, shall be as set forth in this Agreement. 

The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey to the Trustee, without recourse all the right, title and interest of the Depositor in and to the REMIC II-A Regular Interests for the benefit of the Class II-R Certificateholders (as holder of the Class R-IIA Interest) and REMIC II-B (as holder of the REMIC II-A Regular Interests). The Trustee acknowledges receipt of the REMIC II-A Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Class II-R Certificateholders (as holder of the Class R-IIA Interest) and REMIC II-B (as holder of the REMIC II-A Regular Interests).  The rights of the Class II-R Certificateholders (as holder of the Class R-IIA Interest) and of REMIC II-B (as holder of the REMIC II-A Regular Interests) to receive
distributions from the proceeds of REMIC II-A, and all ownership interests evidenced or constituted by the Class II-R Certificates and the Regular Certificates evidencing interests in REMIC II-B, shall be as set forth in this Agreement.

 

 

ARTICLE III

 

ADMINISTRATION AND SERVICING

OF THE MORTGAGE LOANS

	
            SECTION 3.01
 	
            Master Servicer to Act as Master Servicer.
 

The Master Servicer shall service and administer the Mortgage Loans on behalf of the Trustee and in the best interests of and for the benefit of the Certificateholders (as determined by the Master Servicer in its reasonable judgment) in accordance with the terms of this Agreement and the respective Mortgage Loans and, to the extent consistent with such terms, in the same manner in which it services and administers similar mortgage loans for its own portfolio, giving due consideration to customary and usual standards of practice of prudent mortgage lenders and loan servicers administering similar mortgage loans but without regard to:

(i)         any relationship that the Master Servicer, any Sub-Servicer or any Affiliate of the Master Servicer or any Sub-Servicer may have with the related Mortgagor;

(ii)         the ownership of any Certificate by the Master Servicer or any Affiliate of the Master Servicer;

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

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

To the extent consistent with the foregoing, the Master Servicer shall also seek to maximize the timely and complete recovery of principal and interest on the Mortgage Notes. Subject only to the above-described servicing standards and the terms of this Agreement and of the respective Mortgage Loans, the Master Servicer shall have full power and authority, acting alone or through Sub-Servicers as provided in Section 3.02, to do or cause to be done any and all things in connection with such servicing and administration which it may deem necessary or desirable. Without limiting the generality of the foregoing, the Master Servicer in its own name or in the name of a Sub-Servicer is hereby authorized and empowered by the Trustee when the Master Servicer believes it appropriate in its best judgment in accordance with the servicing standards set forth above, to execute and deliver, on behalf of the
Certificateholders and the Trustee, and upon notice to the Trustee, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, and all other comparable instruments, with respect to the Mortgage Loans and the Mortgaged Properties and to institute foreclosure proceedings or obtain a deed-in-lieu of foreclosure so as to convert the ownership of such properties, and to hold or cause to be held title to such properties, on behalf of the Trustee and Certificateholders. The Master Servicer shall service and administer the Mortgage Loans in accordance with applicable state and federal law and shall provide to the Mortgagors any reports required to be provided to them thereby. The Master Servicer shall also comply in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Primary Mortgage Insurance Policy and any standard hazard insurance policy. Subject to Section 3.17, the Trustee shall execute, at the
written request of the Master Servicer, and furnish to the Master Servicer and any Sub-Servicer such documents as are necessary or appropriate to enable the Master Servicer or any Sub-Servicer to carry out their servicing and administrative duties hereunder, and the Trustee hereby grants 

 

to the Master Servicer a power of attorney to carry out such duties. The Trustee shall not be liable for the actions of the Master Servicer or any Sub-Servicers under such powers of attorney.

In accordance with the standards of the preceding paragraph, the Master Servicer shall advance or cause to be advanced funds as necessary for the purpose of effecting the timely payment of taxes and assessments on the Mortgaged Properties, which advances shall be Servicing Advances reimbursable in the first instance from related collections from the Mortgagors pursuant to Section 3.09, and further as provided in Section 3.11. Any cost incurred by the Master Servicer or by Sub- Servicers in effecting the timely payment of taxes and assessments on a Mortgaged Property shall not, for the purpose of calculating distributions to Certificateholders, be added to the unpaid principal balance of the related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan so permit.

The Master Servicer further is authorized and empowered by the Trustee, on behalf of the Certificateholders and the Trustee, in its own name or in the name of the Sub-Servicer, when the Master Servicer or the Sub-Servicer, as the case may be, believes it is appropriate in its best judgment to register any Mortgage Loan on the MERS System, or cause the removal from the registration of any Mortgage Loan on the MERS System, to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of assignment and other comparable instruments with respect to such assignment or re-recording of a Mortgage in the name of MERS, solely as nominee for the Trustee and its successors and assigns. Any reasonable expenses (i) incurred as a result of MERS discontinuing or becoming unable to continue operations in connection with the MERS System or (ii) if the
affected Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable, incurred in connection with the actions described in the preceding sentence, shall be subject to withdrawal by the Master Servicer from the Collection Account.

Notwithstanding anything in this Agreement to the contrary, the Master Servicer may not make any future advances with respect to a Mortgage Loan (except as provided in Section 4.03) and the Master Servicer shall not (i) permit any modification with respect to any Mortgage Loan (except with respect to a Mortgage Loan that is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable) that would change the Mortgage Rate, reduce or increase the principal balance (except for reductions resulting from actual payments of principal) or change the final maturity date on such Mortgage Loan or (ii) permit any modification, waiver or amendment of any term of any Mortgage Loan that would both (A) effect an exchange or reissuance of such Mortgage Loan under Section 1001 of the Code (or final, temporary or proposed Treasury regulations promulgated thereunder) and (B)
cause any Trust REMIC to fail to qualify as a REMIC under the Code or the imposition of any tax on “prohibited transactions” or “contributions after the startup date” under the REMIC Provisions.

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

The Master Servicer shall accurately and fully report (or cause each Sub-Servicer to accurately and fully report), its borrower credit files to each of the credit repositories in a timely manner.

 

 

	
            SECTION 3.02
 	
            Sub-Servicing Agreements Between the Master Servicer and Sub-Servicers.
 

(a)        The Master Servicer may enter into Sub-Servicing Agreements (provided that such agreements would not result in a withdrawal or a downgrading by the Rating Agencies of the rating on any Class of Certificates) with Sub-Servicers, for the servicing and administration of the Mortgage Loans.  As of the Cut-Off Date, CitiMortgage is the Sub-Servicer with respect to the CitiMortgage Mortgage Loans and in such capacity CitiMortgage will be primarily responsible for the servicing of such Mortgage Loans.  As of the Cut-Off Date, Countrywide Home Loans Servicing LP is the Sub-Servicer with respect to the Countrywide Mortgage Loans and in such capacity Countrywide Home Loans Servicing LP will be primarily responsible for the servicing of such Mortgage Loans. As of the Cut-Off date, GMAC is the Sub-Servicer with respect to the Mortgage IT Mortgage
Loans and in such capacity GMAC will be primarily responsible for the servicing of such Mortgage Loans. As of the Cut-Off Date, National City is the Sub-Servicer with respect to the National City Mortgage Loans and in such capacity National City will be primarily responsible for the servicing of such Mortgage Loans.  As of the Cut-Off Date, PHH is the Sub-Servicer with respect to the PHH Mortgage Loans and in such capacity PHH will be primarily responsible for the servicing of such Mortgage Loans.  As of the Cut-Off Date, SunTrust is the Sub-Servicer with respect to the SunTrust Mortgage Loans and in such capacity SunTrust will be primarily responsible for the servicing of such Mortgage Loans.  As of the Cut-Off Date, Wells Fargo is the Sub-Servicer with respect to the American Home Mortgage Loans, the Quicken Mortgage Loans, the Weichert Mortgage Loans and the Wells Mortgage Loans and in such capacity Wells Fargo will be primarily responsible for the servicing of such Mortgage Loans.

(b)        Each Sub-Servicer shall be (i) authorized to transact business in the state or states in which the related Mortgaged Properties it is to service are situated, if and to the extent required by applicable law to enable the Sub-Servicer to perform its obligations hereunder and under the Sub-Servicing Agreement, (ii) an institution approved as a mortgage loan originator by the Federal Housing Administration or an institution the deposit accounts of which are insured by the FDIC and (iii) a Freddie Mac or Fannie Mae approved mortgage servicer. Each Sub-Servicing Agreement must impose on the Sub-Servicer requirements conforming to the provisions set forth in Section 3.08 and provide for servicing of the Mortgage Loans consistent with the terms of this Agreement. The Master Servicer will examine each Sub-Servicing Agreement and will be familiar
with the terms thereof. The terms of any Sub-Servicing Agreement will not be inconsistent with any of the provisions of this Agreement. The Master Servicer and the Sub-Servicers may enter into and make amendments to the Sub-Servicing Agreements or enter into different forms of Sub-Servicing Agreements; provided, however, that any such amendments or different forms shall be consistent with and not violate the provisions of this Agreement, and that no such amendment or different form shall be made or entered into which could be reasonably expected to be materially adverse to the interests of the Certificateholders, without the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any variation without the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights from the provisions set forth in Section 3.08 relating to insurance or priority requirements of Sub-Servicing Accounts, or credits and charges to the Sub- Servicing
Accounts or the timing and amount of remittances by the Sub-Servicers to the Master Servicer, are conclusively deemed to be inconsistent with this Agreement and therefore prohibited. The Master Servicer shall deliver to the Trustee and the Trust Administrator copies of all Sub-Servicing Agreements, and any amendments or modifications thereof, promptly upon the Master Servicer’s execution and delivery of such instruments.

 

 

(c)        As part of its servicing activities hereunder, the Master Servicer (except as otherwise provided in the last sentence of this paragraph), for the benefit of the Trustee and the Certificateholders, shall enforce the obligations of each Sub-Servicer under the related Sub-Servicing Agreement and of the Seller under the Mortgage Loan Purchase Agreement, including, without limitation, any obligation to make advances in respect of delinquent payments as required by a Sub- Servicing Agreement, or to purchase a Mortgage Loan on account of missing or defective documentation or on account of a breach of a representation, warranty or covenant, as described in Section 2.03(a). Such enforcement, including, without limitation, the legal prosecution of claims, termination of Sub-Servicing Agreements, and the pursuit of other appropriate remedies, shall
be in such form and carried out to such an extent and at such time as the Master Servicer, in its good faith business judgment, would require were it the owner of the related Mortgage Loans. The Master Servicer shall pay the costs of such enforcement at its own expense, and shall be reimbursed therefor only (i) from a general recovery resulting from such enforcement, to the extent, if any, that such recovery exceeds all amounts due in respect of the related Mortgage Loans, or (ii) from a specific recovery of costs, expenses or attorneys’ fees against the party against whom such enforcement is directed.

	
            SECTION 3.03
 	
            Successor Sub-Servicers.
 

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

Any Sub-Servicing Agreement (other than any Initial Sub-Servicing Agreement) shall include the provision that such agreement may be immediately terminated by the Trustee or the Trust Administrator without fee, in accordance with the terms of this Agreement, in the event that the Master Servicer shall, for any reason, no longer be the Master Servicer (including termination due to a Master Servicer Event of Default).

	
            SECTION 3.04
 	
            Liability of the Master Servicer.
 

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

 

 

	
            SECTION 3.05
 	
            No Contractual Relationship Between Sub-Servicers and Trustee, Trust Administrator or Certificateholders.
 

Any Sub-Servicing Agreement that may be entered into and any transactions or services relating to the Mortgage Loans involving a Sub-Servicer in its capacity as such shall be deemed to be between the Sub-Servicer and the Master Servicer alone, and the Trustee, the Trust Administrator and the Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Sub-Servicer except as set forth in Section 3.06. The Master Servicer shall be solely liable for all fees owed by it to any Sub-Servicer, irrespective of whether the Master Servicer’s compensation pursuant to this Agreement is sufficient to pay such fees.

	
            SECTION 3.06
 	
            Assumption or Termination of Sub-Servicing Agreements by Trustee.
 

In the event the Master Servicer shall for any reason no longer be the master servicer (including by reason of the occurrence of a Master Servicer Event of Default), the Trustee or its designee shall thereupon assume all of the rights and obligations of the Master Servicer under each Sub-Servicing Agreement that the Master Servicer may have entered into, unless the Trustee elects to terminate any Sub-Servicing Agreement in accordance with its terms as provided in Section 3.03. Upon such assumption, the Trustee, its designee or the successor servicer for the Trustee appointed pursuant to Section 7.02 shall be deemed, subject to Section 3.03, to have assumed all of the Master Servicer’s interest therein and to have replaced the Master Servicer as a party to each Sub-Servicing Agreement to the same extent as if each Sub-Servicing Agreement had been assigned to the assuming party, except
that (i) the Master Servicer shall not thereby be relieved of any liability or obligations under any Sub-Servicing Agreement and (ii) none of the Trustee, its designee or any successor Master Servicer shall be deemed to have assumed any liability or obligation of the Master Servicer that arose before it ceased to be the Master Servicer.

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

	
            SECTION 3.07
 	
            Collection of Certain Mortgage Loan Payments.
 

The Master Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement and the terms and provisions of any related Primary Mortgage Insurance Policy and any other applicable insurance policies, follow such collection procedures as it would follow with respect to mortgage loans comparable to the Mortgage Loans and held for its own account. Consistent with the foregoing and the servicing standards set forth in Section 3.01, the Master Servicer may in its discretion (i) waive any late payment charge or, if applicable, penalty interest, only upon determining that the coverage of such Mortgage Loan by the related Primary Mortgage Insurance Policy, if any, will not be affected, or (ii) extend the due dates for Monthly Payments due on a Mortgage Note
for a period of not greater than 180 days; provided that any extension pursuant to clause (ii) above shall not affect the amortization schedule of any Mortgage Loan for purposes of any computation hereunder, except as provided below. In the event of any such arrangement pursuant to clause (ii) above, the Master Servicer shall make timely advances on such Mortgage Loan during such extension pursuant to Section 4.03 and in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements. Notwithstanding the foregoing, in the event 

 

that any Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable, the Master Servicer, consistent with the standards set forth in Section 3.01, may  waive, modify or vary any term of such Mortgage Loan (including modifications that change the Mortgage Rate, forgive the payment of principal or interest or extend the final maturity date of such Mortgage Loan), accept payment from the related Mortgagor of an amount less than the Stated Principal Balance in final satisfaction of such Mortgage Loan (such payment, a “Short Pay-off”) or consent to the postponement of strict compliance with any such term or otherwise grant indulgence to any Mortgagor, if in the Master Servicer’s determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders (taking into account any
estimated Realized Loss that might result absent such action).

	
            SECTION 3.08
 	
            Sub-Servicing Accounts.
 

In those cases where a Sub-Servicer is servicing a Mortgage Loan pursuant to a Sub-Servicing Agreement, the Sub-Servicer will be required to establish and maintain one or more accounts (collectively, the “Sub-Servicing Account”). The Sub-Servicing Account shall be an Eligible Account and shall comply with all requirements of this Agreement relating to the Collection Account (provided, however, that in the case of each Initial Sub-Servicing Agreement, the applicable Sub-Servicing Account shall comply with all requirements of the Initial Sub-Servicing Agreement relating to the custodial account provided for therein). The Sub-Servicer shall deposit in the clearing account (which account must be an Eligible Account) in which it customarily deposits payments and collections on mortgage loans in connection with its mortgage loan servicing activities on a daily basis, and in no event
more than two Business Days after the Sub-Servicer’s receipt thereof, all proceeds of Mortgage Loans received by the Sub-Servicer less its servicing compensation to the extent permitted by the Sub-Servicing Agreement, and shall thereafter deposit such amounts in the Sub-Servicing Account, in no event more than one Business Day after the deposit of such funds into the clearing account. The Sub-Servicer shall thereafter remit such proceeds to the Master Servicer for deposit in the Collection Account not later than two Business Days after the deposit of such amounts in the Sub-Servicing Account (or, in the case of the Initial Sub-Servicing Agreement, at such time as is required pursuant to the terms of the Initial Sub-Servicing Agreement). For purposes of this Agreement, the Master Servicer shall be deemed to have received payments on the Mortgage Loans when the Sub-Servicer receives such payments.

	
            SECTION 3.09
 	
            Collection of Taxes, Assessments and Similar Items; Servicing 

      Accounts.
 

The Master Servicer shall establish and maintain (or cause a Sub-Servicer to establish and maintain) one or more accounts (the “Servicing Accounts”), into which all collections from the Mortgagors (or related advances from Sub-Servicers) for the payment of ground rents, taxes, assessments, fire and hazard insurance premiums, Primary Mortgage Insurance Premiums, water charges, sewer rents and comparable items for the account of the Mortgagors (“Escrow Payments”) shall be deposited and retained. Servicing Accounts shall be Eligible Accounts. The Master Servicer (or the applicable Sub-Servicer) shall deposit in the clearing account (which account must be an Eligible Account) in which it customarily deposits payments and collections on mortgage loans in connection with its mortgage loan servicing activities on a daily basis, and in no event more than two Business Days after
the Master Servicer’s (or the applicable Sub-Servicer’s) receipt thereof, all Escrow Payments collected on account of the Mortgage Loans and shall thereafter deposit such Escrow Payments in the Servicing Accounts, in no event more than one Business Day after the deposit of such funds in the clearing account, for the purpose of effecting the payment of any such items as required under the terms of this Agreement. Withdrawals of amounts from a Servicing Account may be made only to (i) effect payment of Escrow Payments; (ii) reimburse the Master Servicer (or a Sub-Servicer to the extent provided in the related Sub-Servicing Agreement) out of related collections for any advances made pursuant to Section 3.01 (with 

 

respect to taxes and assessments) and Section 3.14 (with respect to hazard insurance); (iii) refund to Mortgagors any sums as may be determined to be overages; (iv) pay interest, if required and as described below, to Mortgagors on balances in the Servicing Account; (v) clear and terminate the Servicing Account at the termination of the Master Servicer’s obligations and responsibilities in respect of the Mortgage Loans under this Agreement in accordance with Article IX; or (vi) recover amounts deposited in error. As part of its servicing duties, the Master Servicer or Sub-Servicers shall pay to the Mortgagors interest on funds in Servicing Accounts, to the extent required by law and, to the extent that interest earned on funds in the Servicing Accounts is insufficient, to pay such interest from its or their own funds, without any reimbursement therefor. To the extent that a Mortgage does not provide
for Escrow Payments, the Master Servicer shall determine whether any such payments are made by the Mortgagor in a manner and at a time that avoids the loss of the Mortgaged Property due to a tax sale or the foreclosure of a tax lien. The Master Servicer assumes full responsibility for the payment of all such bills and shall effect payments of all such bills irrespective of the Mortgagor’s faithful performance in the payment of same or the making of the Escrow Payments and shall make advances from its own funds to effect such payments.

	
            SECTION 3.10
 	
            Collection Account and Distribution Account.
 

(a)        On behalf of the Trust Fund, the Master Servicer shall establish and maintain one or more separate, segregated trust accounts (such account or accounts, the “Collection Account”), held in trust for the benefit of the Trustee and the Certificateholders. On behalf of the Trust Fund, the Master Servicer shall deposit or cause to be deposited in the clearing account (which account must be an Eligible Account) in which it customarily deposits payments and collections on mortgage loans in connection with its mortgage loan servicing activities on a daily basis, and in no event more than two Business Days after the Master Servicer’s receipt thereof, and shall thereafter deposit in the Collection Account, in no event more than one Business Day after the deposit of such funds into the clearing account, as and when received or as
otherwise required hereunder, the following payments and collections received or made by it from and after the Cut-off Date (other than in respect of principal or interest on the related Mortgage Loans due on or before the Cut-off Date), or payments (other than Principal Prepayments) received by it on or prior to the Cut-off Date but allocable to a Due Period subsequent thereto:

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

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

(iii)        all Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (other than proceeds collected in respect of any particular REO Property and amounts paid by the Master Servicer in connection with a purchase of Mortgage Loans and REO Properties pursuant to Section 9.01);

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

(v)        any amounts required to be deposited by the Master Servicer pursuant to the second paragraph of Section 3.14(a) in respect of any blanket policy deductibles;

 

 

(vi)        all proceeds of any Mortgage Loan repurchased or purchased in accordance with Section 2.03 or Section 9.01; 

(vii)       all amounts required to be deposited in connection with shortfalls in principal amount of Qualified Substitute Mortgage Loans pursuant to Section 2.03;

	
            (viii)
 	
            [reserved]; and
 

(viv)      any amounts required to be transferred from any Buydown Account pursuant to Section 3.28.

For purposes of the immediately preceding sentence, the Cut-off Date with respect to any Qualified Substitute Mortgage Loan shall be deemed to be the date of substitution.

The foregoing requirements for deposit in the Collection Accounts shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments in the nature of late payment charges or assumption fees need not be deposited by the Master Servicer in the Collection Account. In the event the Master Servicer shall deposit in the Collection Account any amount not required to be deposited therein, it may at any time withdraw such amount from the Collection Account, any provision herein to the contrary notwithstanding.

(b)        On behalf of the Trust Fund, the Paying Agent on behalf of the Trust Administrator shall establish and maintain one or more separate, segregated trust accounts (such account or accounts, the “Distribution Account”), held in trust for the benefit of the Certificateholders. On behalf of the Trust Fund, the Master Servicer shall deliver to the Paying Agent in immediately available funds for deposit in the Distribution Account on or before 12:00 p.m. New York time (i) on the Master Servicer Remittance Date, that portion of the Available Distribution Amount (calculated without regard to the subtraction therefrom of any amounts described in clause (ii)(a) of the definition thereof) for the related Distribution Date then on deposit in the Collection Account and (ii) on each Business Day as of the commencement of which the balance on
deposit in the Collection Account exceeds $75,000 following any withdrawals pursuant to the next succeeding sentence, the amount of such excess, but only if the Collection Account constitutes an Eligible Account solely pursuant to clause (ii) of the definition of “Eligible Account.” If the balance on deposit in the Collection Account exceeds $75,000 as of the commencement of business on any Business Day and the Collection Account constitutes an Eligible Account solely pursuant to clause (ii) of the definition of “Eligible Account,” the Master Servicer shall, on or before 12:00 p.m. New York time on such Business Day, withdraw from the Collection Account any and all amounts payable or reimbursable to the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Seller or any Sub-Servicer pursuant to Section 3.11 and shall pay such amounts to the Persons entitled thereto.

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

 

 

(d)        Funds held in the Collection Account at any time may be delivered by the Master Servicer to the Paying Agent on behalf of the Trust Administrator for deposit in an account (which may be the Distribution Account and must satisfy the standards for the Distribution Account as set forth in the definition thereof) and for all purposes of this Agreement shall be deemed to be a part of the Collection Account; provided, however, that the Paying Agent shall have the sole authority to withdraw any funds held pursuant to this subsection (d). In the event the Master Servicer shall deliver to the Paying Agent for deposit in the Distribution Account any amount not required to be deposited therein, it may at any time request that the Paying Agent withdraw such amount from the Distribution Account and remit to it any such amount, any provision herein to
the contrary notwithstanding. In addition, the Master Servicer shall deliver to the Paying Agent from time to time for deposit, and upon written notification from the Master Servicer, the Paying Agent shall so deposit, in the Distribution Account:

	
            (i)
 	
            any P&I Advances, as required pursuant to Section 4.03;
 

(ii)         any amounts required to be deposited pursuant to Section 3.23(d) or (f) in connection with any REO Property;

(iii)        any amounts to be paid by the Master Servicer in connection with a purchase of Mortgage Loans and REO Properties pursuant to Section 9.01;

(iv)        any amounts required to be deposited pursuant to Section 3.24 in connection with any Prepayment Interest Shortfalls; and

(v)        any Stayed Funds, as soon as permitted by the federal bankruptcy court having jurisdiction in such matters.

(e)        Promptly upon receipt of any Stayed Funds, whether from the Master Servicer, a trustee in bankruptcy, or federal bankruptcy court or other source, the Paying Agent shall deposit such funds in the Distribution Account, subject to withdrawal thereof as permitted hereunder.

(f)         The Master Servicer shall deposit in the Collection Account any amounts required to be deposited pursuant to Section 3.12(b) in connection with losses realized on Permitted Investments with respect to funds held in the Collection Account.

	
            SECTION 3.11
 	
            Withdrawals from the Collection Account and Distribution Account.
 

(a)        The Master Servicer shall, from time to time, make withdrawals from the Collection Account for any of the following purposes or as described in Section 4.03:

(i)         to remit to the Paying Agent for deposit in the Distribution Account the amounts required to be so remitted pursuant to Section 3.10(b) or permitted to be so remitted pursuant to the first sentence of Section 3.10(d);

(ii)         subject to Section 3.16(d), to reimburse the Master Servicer for P&I Advances, but only to the extent of amounts received which represent Late Collections (net of the related Servicing Fees and Administration Fees) of Monthly Payments on Mortgage Loans with respect to which such P&I Advances were made in accordance with the provisions of Section 4.03;

 

 

(iii)        subject to Section 3.16(d), to pay the Master Servicer or any Sub- Servicer (A) any unpaid Servicing Fees and unpaid Administration Fees, (B) any unreimbursed Servicing Advances with respect to each Mortgage Loan, but only to the extent of any Liquidation Proceeds, Insurance Proceeds or other amounts as may be collected by the Master Servicer from a Mortgagor, or otherwise received with respect to such Mortgage Loan and (C) any nonrecoverable Servicing Advances following the final liquidation of a Mortgage Loan, but only to the extent that Late Collections, Liquidation  Proceeds and Insurance Proceeds received with respect to such Mortgage Loan are insufficient to reimburse the Master Servicer or any Sub-Servicer for such Servicing Advances;

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

(v)        to pay to the Master Servicer, the Depositor or the Seller, as the case may be, with respect to each Mortgage Loan that has previously been purchased or replaced pursuant to Section 2.03 all amounts received thereon subsequent to the date of purchase or substitution, as the case may be;

(vi)        to reimburse the Master Servicer for any P&I Advance previously made which the Master Servicer has determined to be a Nonrecoverable P&I Advance in accordance with the provisions of Section 4.03;

(vii)       to reimburse the Master Servicer or the Depositor for expenses incurred by or reimbursable to the Master Servicer or the Depositor, as the case may be, pursuant to Section 6.03;

(viii)      to reimburse the Master Servicer, the Trust Administrator or the Trustee, as the case may be, for expenses reasonably incurred in respect of the breach or defect giving rise to the purchase obligation under Section 2.03 or Section 2.04 of this Agreement that were included in the Purchase Price of the Mortgage Loan, including any  expenses arising out of the enforcement of the purchase obligation;

(ix)        to pay, or to reimburse the Master Servicer for advances in respect of expenses incurred in connection with any Mortgage Loan pursuant to Section 3.16(b);

	
            (x)
 	
            [reserved]; and
 	
             

	
            (xi)
 	
            to clear and terminate the Collection Account pursuant to Section 9.01.
 

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

 

 

(b)        The Paying Agent shall, from time to time, make withdrawals from the Distribution Account, for any of the following purposes, without priority:

	
            (i)
 	
            to make distributions to Certificateholders in accordance with Section 4.01;
 

(ii)         to pay to itself any interest income earned on funds deposited in the Distribution Account pursuant to Section 3.12(c);

	
            (iii)
 	
            to reimburse the Trust Administrator or the Trustee pursuant to Section 7.02;
 
	
            (iv)
 	
            to pay any amounts in respect of taxes pursuant to 10.01(g)(iii);
 	
             

	
            (v)
 	
            to pay any Extraordinary Trust Fund Expenses;
 	
             

				

(vi)        to reimburse the Paying Agent or the Trustee for any P&I Advance made by it under Section 7.01 (if not reimbursed by the Master Servicer) to the same extent the Master Servicer would be entitled to reimbursement under Section 3.11(a); and

	
            (vii)
 	
            to clear and terminate the Distribution Account pursuant to Section 9.01.
 

	
            SECTION 3.12
 	
            Investment of Funds in the Collection Account and the Distribution 

      Account.
 

(a)        The Master Servicer may direct any depository institution maintaining the Collection Account (for purposes of this Section 3.12, an “Investment Account”), and the Paying Agent may direct any depository institution maintaining the Distribution Account (for purposes of this Section 3.12, also an “Investment Account”), to hold the funds in such Investment Account uninvested or to invest the funds in such Investment Account in one or more Permitted Investments specified in such instruction bearing interest or sold at a discount, and maturing, unless payable on demand, (i) no later than the Business Day immediately preceding the date on which such funds are required to be withdrawn from such account pursuant to this Agreement, if a Person other than the Paying Agent is the obligor thereon, and (ii) no later than the date on
which such funds are required to be withdrawn from such account pursuant to this Agreement, if the Paying Agent is the obligor thereon. All such Permitted Investments shall be held to maturity, unless payable on demand. Any investment of funds in an Investment Account shall be made in the name of the Trust Administrator (in its capacity as such) or in the name of a nominee of the Trust Administrator. The Trust Administrator shall be entitled to sole possession (except with respect to investment direction of funds held in the Collection Account and the Distribution Account and any income and gain realized thereon) over each such investment, and any certificate or other instrument evidencing any such investment shall be delivered directly to the Trust Administrator or its agent, together with any document of transfer necessary to transfer title to such investment to the Trust Administrator or its nominee. In the event amounts on deposit in an Investment Account are at any time invested
in a Permitted Investment payable on demand, the Trust Administrator shall:

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

 

 

 

	
            (y)
 	
            demand payment of all amounts due thereunder promptly upon determination by a Responsible Officer of the Trust Administrator that such Permitted Investment would not constitute a Permitted Investment in respect of funds thereafter on deposit in the Investment Account.
 

(b)        All income and gain realized from the investment of funds deposited in the Collection Account held by or on behalf of the Master Servicer, shall be for the benefit of the Master Servicer and shall be subject to its withdrawal in accordance with Section 3.11. The Master Servicer shall deposit in the Collection Account the amount of any loss of principal incurred in respect of any such Permitted Investment made with funds in such accounts immediately upon realization of such loss.

(c)        All income and gain realized from the investment of funds deposited in the Distribution Account held by or on behalf of the Paying Agent, shall be for the benefit of the Paying Agent and shall be subject to its withdrawal at any time. The Paying Agent shall deposit in the Distribution Account the amount of any loss of principal incurred in respect of any such Permitted Investment made with funds in such accounts immediately upon realization of such loss.

(d)        Except as otherwise expressly provided in this Agreement, if any default occurs in the making of a payment due under any Permitted Investment, or if a default occurs in any other performance required under any Permitted Investment, the Trustee may and, subject to Section 8.01 and Section 8.02(a)(v), upon the request of the Holders of Certificates representing more than 50% of the Voting Rights allocated to any Class of Certificates, shall take such action as may be appropriate to enforce such payment or performance, including the institution and prosecution of appropriate proceedings.

	
            SECTION 3.13
 	
            Maintenance of the Primary Mortgage Insurance Policies; Collections Thereunder.
 

The Master Servicer will maintain or cause the related Sub-Servicer, if any, to maintain in full force and effect, if required under the Mortgage Loan Purchase Agreement and to the extent available, a Primary Mortgage Insurance Policy with respect to each Mortgage Loan so insured as of the Closing Date (or, in the case of a Qualified Substitute Mortgage Loan, on the date of substitution). Such coverage will be maintained with respect to each such Mortgage Loan for so long as it is outstanding, subject to any applicable laws or until the related Loan-to-Value Ratio is reduced to less than or equal to 80% based on Mortgagor payments. The Master Servicer shall cause the premium for each Primary Mortgage Insurance Policy to be paid on a timely basis and shall pay such premium out of its own funds if it is not otherwise paid. The Master Servicer or the related Sub-Servicer, if any, will not
cancel or refuse to renew any such Primary Mortgage Insurance Policy in effect on the Closing Date (or, in the case of a Qualified Substitute Mortgage Loan, on the date of substitution) that is required to be kept in force under this Agreement unless a replacement Primary Mortgage Insurance Policy for such canceled or non-renewed policy is obtained from and maintained with a Qualified Insurer.

The Master Servicer shall not take, or permit any Sub-Servicer to take, any action which would result in non-coverage under any applicable Primary Mortgage Insurance Policy of any loss which, but for the actions of the Master Servicer or Sub-Servicer, would have been covered thereunder. The Master Servicer will comply in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Primary Mortgage Insurance Policy. In connection with any assumption and modification agreement or substitution of liability agreement entered into or to be entered into pursuant to Section 3.15, the Master 

 

Servicer shall promptly notify the insurer under the related Primary Mortgage Insurance Policy, if any, of such assumption in accordance with the terms of such policies and shall take all actions which may be required by such insurer as a condition to the continuation of coverage under the Primary Mortgage Insurance Policy. If any such Primary Mortgage Insurance Policy is terminated as a result of such assumption, the Master Servicer or the related Sub-Servicer shall obtain a replacement Primary Mortgage Insurance Policy as provided above.

In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to prepare and present, on behalf of itself, the Trustee and the Certificateholders, claims to the insurer under any Primary Mortgage Insurance Policy in a timely fashion in accordance with the terms of such policies and, in this regard, to take such action as shall be necessary to permit recovery under any Primary Mortgage Insurance Policy respecting a defaulted Mortgage Loan. Any amounts collected by the Master Servicer under any Primary Mortgage Insurance Policy shall be deposited in the Collection Account, subject to withdrawal pursuant to Section 3.11; and any amounts collected by the Master Servicer under any Primary Mortgage Insurance Policy in respect of any REO Property shall be deposited in the Collection Account, subject to withdrawal pursuant to Section 3.23. In
those cases in which a Mortgage Loan is serviced by a Sub-Servicer, the Sub-Servicer, on behalf of itself, the Trustee, and the Certificateholders, will present claims to the insurer under any Primary Mortgage Insurance Policy and all collections thereunder shall be deposited initially in the Sub-Servicing Account.

	
            SECTION 3.14
 	
            Maintenance of Hazard Insurance and Errors and Omissions and Fidelity Coverage.
 

(a)        The Master Servicer shall cause to be maintained for each Mortgage Loan fire insurance with extended coverage on the related Mortgaged Property in an amount which is at least equal to the least of (i) the current principal balance of such Mortgage Loan, (ii) the amount necessary to fully compensate for any damage or loss to the improvements that are a part of such property on a replacement cost basis and (iii) the maximum insurable value of the improvements which are a part of such Mortgaged Property, in each case in an amount not less than such amount as is necessary to avoid the application of any coinsurance clause contained in the related hazard insurance policy. The Master Servicer shall also cause to be maintained fire insurance with extended coverage on each REO Property in an amount which is at least equal to the lesser of (i) the
maximum insurable value of the improvements which are a part of such property and (ii) the outstanding principal balance of the related Mortgage Loan at the time it became an REO Property, plus accrued interest at the Mortgage Rate and related Servicing Advances. The Master Servicer will comply in the performance of this Agreement with all reasonable rules and requirements of each insurer under any such hazard policies. Any amounts to be collected by the Master Servicer under any such policies (other than amounts to be applied to the restoration or repair of the property subject to the related Mortgage or amounts to be released to the Mortgagor in accordance with the procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note) shall be deposited in the Collection Account, subject to withdrawal pursuant to Section 3.11, if received in respect of a Mortgage Loan, or in the REO
Account, subject to withdrawal pursuant to Section 3.23, if received in respect of an REO Property. Any cost incurred by the Master Servicer in maintaining any such insurance shall not, for the purpose of calculating distributions to Certificateholders, be added to the unpaid principal balance of the related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan so permit. It is understood and agreed that no earthquake or other additional insurance is to be required of any Mortgagor other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. If the Mortgaged Property or REO Property is at any time in an area identified in the Federal Register by the Federal Emergency 

 

Management Agency as having special flood hazards, the Master Servicer will cause to be maintained a flood insurance policy in respect thereof. Such flood insurance shall be in an amount equal to the lesser of (i) the unpaid principal balance of the related Mortgage Loan and (ii) the maximum amount of such insurance available for the related Mortgaged Property under the national flood insurance program (assuming that the area in which such Mortgaged Property is located is participating in such program).

In the event that the Master Servicer shall obtain and maintain a blanket policy with an insurer having a General Policy Rating of A:X or better in Best’s Key Rating Guide (or such other rating that is comparable to such rating) insuring against hazard losses on all of the Mortgage Loans, it shall conclusively be deemed to have satisfied its obligations as set forth in the first two sentences of this Section 3.14, it being understood and agreed that such policy may contain a deductible clause, in which case the Master Servicer shall, in the event that there shall not have been maintained on the related Mortgaged Property or REO Property a policy complying with the first two sentences of this Section 3.14, and there shall have been one or more losses which would have been covered by such policy, deposit to the Collection Account from its own funds the amount not otherwise payable under
the blanket policy because of such deductible clause. In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to prepare and present, on behalf of itself, the Trustee and the Certificateholders, claims under any such blanket policy in a timely fashion in accordance with the terms of such policy.

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

	
            SECTION 3.15
 	
            Enforcement of Due-On-Sale Clauses; Assumption Agreements.
 

The Master Servicer will, to the extent it has knowledge of any conveyance or prospective conveyance of any Mortgaged Property by any Mortgagor (whether by absolute conveyance or by contract of sale, and whether or not the Mortgagor remains or is to remain liable under the Mortgage Note and/or the Mortgage), exercise its rights to accelerate the maturity of such Mortgage Loan under the “due-on-sale” clause, if any, applicable thereto; provided, however, that the Master Servicer shall not exercise any such rights if prohibited by law from doing so or if the exercise of such rights would impair or threaten to impair any recovery under the related Primary Mortgage Insurance Policy, if any. If the Master Servicer reasonably believes it is unable under applicable law to enforce such “due-on-sale” clause, or if any of the other conditions set forth in the proviso to the
preceding sentence apply, the Master Servicer will enter into an assumption and modification agreement from or with the person to whom such property has been conveyed or is proposed to be 

 

conveyed, pursuant to which such person becomes liable under the Mortgage Note and, to the extent permitted by applicable state law, the Mortgagor remains liable thereon. The Master Servicer is also authorized to enter into a substitution of liability agreement with such person, pursuant to which the original Mortgagor is released from liability and such person is substituted as the Mortgagor and becomes liable under the Mortgage Note, provided that no such substitution shall be effective unless such person satisfies the underwriting criteria of the Master Servicer. In connection with any assumption or substitution, the Master Servicer shall apply such underwriting standards and follow such practices and procedures as shall be normal and usual in its general mortgage servicing activities and as it applies to other mortgage loans owned solely by it. The Master Servicer shall not take or enter into any
assumption and modification agreement, however, unless (to the extent practicable in the circumstances) it shall have received confirmation, in writing, of the continued effectiveness of any applicable Primary Mortgage Insurance Policy or hazard insurance policy, or a new policy meeting the requirements of this Section is obtained. Any fee collected by the Master Servicer in respect of an assumption or substitution of liability agreement will be retained by the Master Servicer as additional servicing compensation. In connection with any such assumption, no material term of the Mortgage Note (including but not limited to the related Mortgage Rate and the amount of the Monthly Payment) may be amended or modified, except as otherwise required pursuant to the terms thereof. The Master Servicer shall notify the Trustee that any such substitution or assumption agreement has been completed by forwarding to the Custodian (with a copy to the Trustee) the executed original of such substitution
or assumption agreement, which document shall be added to the related Mortgage File and shall, for all purposes, be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting a part thereof.

Notwithstanding the foregoing paragraph or any other provision of this Agreement, the Master Servicer shall not be deemed to be in default, breach or any other violation of its obligations hereunder by reason of any assumption of a Mortgage Loan by operation of law or by the terms of the Mortgage Note or any assumption which the Master Servicer may be restricted by law from preventing, for any reason whatever. For purposes of this Section 3.15, the term “assumption” is deemed to also include a sale (of the Mortgaged Property) subject to the Mortgage that is not accompanied by an assumption or substitution of liability agreement.

	
            SECTION 3.16
 	
            Realization Upon Defaulted Mortgage Loans.
 

(a)        The Master Servicer shall, consistent with the servicing standard set forth in Section 3.01, foreclose upon or otherwise comparably convert the ownership of properties securing such of the Mortgage Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07. The Master Servicer shall be responsible for all costs and expenses incurred by it in any such proceedings; provided, however, that such costs and expenses will be recoverable as Servicing Advances by the Master Servicer as contemplated in Section 3.11 and Section 3.23. The foregoing is subject to the provision that, in any case in which Mortgaged Property shall have suffered damage from an Uninsured Cause, the Master Servicer shall not be required to expend its own funds toward the
restoration of such property unless it shall determine in its discretion that such restoration will increase the proceeds of liquidation of the related Mortgage Loan after reimbursement to itself for such expenses.

(b)        Notwithstanding the foregoing provisions of this Section 3.16 or any other provision of this Agreement, with respect to any Mortgage Loan as to which the Master Servicer has received actual notice of, or has actual knowledge of, the presence of any toxic or hazardous substance on the related Mortgaged Property, the Master Servicer shall not, on behalf of the Trustee, either (i) obtain title to such Mortgaged Property as a result of or in lieu of foreclosure or otherwise, or (ii) otherwise acquire possession of, or take any 

 

other action with respect to, such Mortgaged Property, if, as a result of any such action, the Trustee, the Trust Fund, the Trust Administrator, the Master Servicer or the Certificateholders would be considered to hold title to, to be a “mortgagee-in- possession” of, or to be an “owner” or “operator” of such Mortgaged Property within the meaning of the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended from time to time, or any comparable law, unless the Master Servicer has also previously determined, based on its reasonable judgment and a report prepared by a Person who regularly conducts environmental audits using customary industry standards, that:

(1)        such Mortgaged Property is in compliance with applicable environmental laws or, if not, that it would be in the best economic interest of the Trust Fund to take such actions as are necessary to bring the Mortgaged Property into compliance therewith; and

(2)        there are no circumstances present at such Mortgaged Property relating to the use, management or disposal of any hazardous substances, hazardous materials, hazardous wastes, or petroleum-based materials for which investigation, testing, monitoring, containment, clean-up or remediation could be required under any federal, state or local law or regulation, or that if any such materials are present for which such action could be required, that it would be in the best economic interest of the Trust Fund to take such actions with respect to the affected Mortgaged Property.

The cost of the environmental audit report contemplated by this Section 3.23 shall be advanced by the Master Servicer, subject to the Master Servicer’s right to be reimbursed therefor from the Collection Account as provided in Section 3.11(a)(ix), such right of reimbursement being prior to the rights of Certificateholders to receive any amount in the Collection Account received in respect of the affected Mortgage Loan or other Mortgage Loans.

If the Master Servicer determines, as described above, that it is in the best economic interest of the Trust Fund to take such actions as are necessary to bring any such Mortgaged Property into compliance with applicable environmental laws, or to take such action with respect to the containment, clean-up or remediation of hazardous substances, hazardous materials, hazardous wastes or petroleum-based materials affecting any such Mortgaged Property, then the Master Servicer shall take such action as it deems to be in the best economic interest of the Trust Fund. The cost of any such compliance, containment, cleanup or remediation shall be advanced by the Master Servicer, subject to the Master Servicer’s right to be reimbursed therefor from the Collection Account as provided in Section 3.11(a)(ix), such right of reimbursement being prior to the rights of Certificateholders to receive any
amount in the Collection Account received in respect of the affected Mortgage Loan or other Mortgage Loans.

	
            (c)
 	
            [Reserved].
 

(d)        Proceeds received in connection with any Final Recovery Determination, as well as any recovery resulting from a partial collection of Insurance Proceeds or Liquidation Proceeds, in respect of any Mortgage Loan, will be applied in the following order of priority: first, to reimburse the Master Servicer or any Sub-Servicer for any related unreimbursed Servicing Advances and P&I Advances, pursuant to Section 3.11(a)(ii) or (a)(iii)(B); second, to accrued and unpaid interest on the Mortgage Loan, to the date of the Final Recovery Determination, or to the Due Date prior to the Distribution Date on which such amounts are to be distributed if not in connection with a Final Recovery Determination; and third, as a recovery of principal of the Mortgage Loan. If the amount of the recovery so allocated to interest is less than the full amount of accrued and 

 

unpaid interest due on such Mortgage Loan, the amount of such recovery will be allocated by the Master Servicer as follows: first, to unpaid Servicing Fees and Administration Fees; and second, to the balance of the interest then due and owing. The portion of the recovery so allocated to unpaid Servicing Fees and unpaid Administration Fees shall be reimbursed to the Master Servicer or any Sub-Servicer pursuant to Section 3.11(a)(iii)(A).

	
            SECTION 3.17
 	
            Trustee to Cooperate; Release of Mortgage Files.
 

(a)        Upon the payment in full of any Mortgage Loan, or the receipt by the Master Servicer of a notification that payment in full shall be escrowed in a manner customary for such purposes, the Master Servicer will immediately notify the Custodian, on behalf of the Trustee, by a certification in the form of Exhibit E (which certification shall include a statement to the effect that all amounts received or to be received in connection with such payment which are required to be deposited in the Collection Account pursuant to Section 3.10 have been or will be so deposited) of a Servicing Officer and shall request that the Custodian, on behalf of the Trustee, deliver to it the Mortgage File. Upon receipt of such certification and request, the Custodian, on behalf of the Trustee, shall promptly release the related Mortgage File to the Master Servicer,
and the Master Servicer is authorized to cause the removal from the registration on the MERS® System of any such Mortgage, if applicable, and to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of satisfaction or cancellation or of partial or full release. No expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the Collection Account or the Distribution Account.

The Trustee (or a Custodian on its behalf) shall, at the written request and expense of any Certificateholder, provide a written report to such Certificateholder of all Mortgage Files released to the Master Servicer for servicing purposes.

(b)        From time to time and as appropriate for the servicing or foreclosure of any Mortgage Loan, including, for this purpose, collection under any Primary Mortgage Insurance Policy or any other insurance policy relating to the Mortgage Loans, the Custodian, on behalf of the Trustee, shall, upon request of the Master Servicer and delivery to the Custodian and the Trustee of a Request for Release in the form of Exhibit E-l, release the related Mortgage File to the Master Servicer, and the Custodian, on behalf of the Trustee, shall, at the direction of the Master Servicer, execute such documents as shall be necessary to the prosecution of any such proceedings. Such Request for Release shall obligate the Master Servicer to return each and every document previously requested from the Mortgage File to the Custodian when the need therefor by the
Master Servicer no longer exists, unless the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Collection Account or the Mortgage File or such document has been delivered to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Master Servicer has delivered to the Custodian, on behalf of the Trustee, a certificate of a Servicing Officer certifying as to the name and address of the Person to which such Mortgage File or such document was delivered and the purpose or purposes of such delivery. Upon receipt of a certificate of a Servicing Officer stating that such Mortgage Loan was liquidated and that all amounts received or to be received in connection with such liquidation that are required to be deposited into the Collection
Account have been so deposited, or that such Mortgage Loan has become an REO Property, a copy of the Request for Release shall be released by the Custodian, on behalf of the Trustee, to the Master Servicer.

 

 

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

	
            SECTION 3.18
 	
            Servicing Compensation.
 

As compensation for the activities of the Master Servicer hereunder, the Master Servicer shall be entitled to the Servicing Fee and the Administration Fee and Buydown Funds with respect to each Mortgage Loan payable solely from payments of interest in respect of such Mortgage Loan, subject to Section 3.24. In addition, the Master Servicer shall be entitled to recover unpaid Servicing Fees and unpaid Administration Fees out of Insurance Proceeds or Liquidation Proceeds to the extent permitted by Section 3.11(a)(iii)(A) and out of amounts derived from the operation and sale of an REO Property to the extent permitted by Section 3.23. The right to receive the Servicing Fee and the Administration Fee may not be transferred in whole or in part except in connection with the transfer of all of the Master Servicer’s responsibilities and obligations under this Agreement.

Additional servicing compensation in the form of assumption fees, late payment charges and other similar fees and charges shall be retained by the Master Servicer (subject to Section 3.24) only to the extent such fees or charges are received by the Master Servicer. The Master Servicer shall also be entitled pursuant to Section 3.11(a)(iv) to withdraw from the Collection Account, and pursuant to Section 3.23(b) to withdraw from any REO Account, as additional servicing compensation, interest or other income earned on deposits therein, subject to Section 3.12 and Section 3.24. The Master Servicer shall be required to pay all expenses incurred by it in connection with its servicing activities hereunder (including premiums due under any Primary Insurance Policies, if applicable, premiums for the insurance required by Section 3.14, to the extent such premiums are not paid by the related
Mortgagors or by a Sub-Servicer, servicing compensation of each Sub-Servicer, and to the extent provided herein in Section 8.05, the fees and expenses of the Trustee and the Trust Administrator) and shall not be entitled to reimbursement therefor except as specifically provided herein.

	
            SECTION 3.19
 	
            Reports to the Trust Administrator; Collection Account Statements.
 

Not later than fifteen days after each Distribution Date, the Master Servicer shall forward to the Trust Administrator and the Trustee, upon the request of the Trust Administrator or the Trustee, a statement prepared by the Master Servicer setting forth the status of the Collection Account as of the close of business on the last day of the calendar month relating to such Distribution Date and showing, for the period covered by such statement, the aggregate amount of deposits into and withdrawals from the Collection Account of each category of deposit specified in Section 3.10(a) and each category of withdrawal specified in Section 3.11. Such statement may be in the form of the then current Fannie Mae Monthly Accounting Report for its Guaranteed Mortgage Pass-Through Program with appropriate additions and changes, and shall also include information as to the aggregate of the outstanding
principal balances of all of the Mortgage Loans as of the last day of the calendar month immediately preceding such Distribution Date. Copies of such statement shall be provided by the Trust Administrator to the Certificates Registrar, and the Certificate Registrar shall provide the same to any 

 

Certificateholder and to any Person identified to the Certificate Registrar as a prospective transferee of a Certificate, upon the request and at the expense of the requesting party, provided such statement is delivered by the Master Servicer to the Trust Administrator and by the Trust Administrator to the Certificate Registrar.

	
            SECTION 3.20
 	
            Statement as to Compliance.
 

The Master Servicer shall deliver to the Trustee, the Trust Administrator, the Depositor and the Rating Agencies on or before March 15 of each year, commencing in 2006, an Officer’s Certificate, certifying that with respect to the period ending December 31 of the prior year: (i) such Servicing Officer has reviewed the activities of such Master Servicer during the preceding calendar year or portion thereof and its performance under this Agreement, (ii) to the best of such Servicing Officer’s knowledge, based on such review, such Master Servicer has performed and fulfilled its duties, responsibilities and obligations under this Agreement in all material respects throughout such year, or, if there has been a default in the fulfillment of any such duties, responsibilities or obligations, specifying each such default known to such Servicing Officer and the nature and status thereof,
(iii) nothing has come to the attention of such Servicing Officer to lead such Servicing Officer to believe that any Servicer has failed to perform any of its duties, responsibilities and obligations under its Servicing Agreement in all material respects throughout such year, or, if there has been a material default in the performance or fulfillment of any such duties, responsibilities or obligations, specifying each such default known to such Servicing Officer and the nature and status thereof. Copies of such statements shall be provided to any Certificateholder upon request, by the Trust Administrator at the Master Servicer’s expense.

	
            SECTION 3.21
 	
            Independent Public Accountants’ Servicing Report.
 

The Master Servicer at its expense shall cause a nationally recognized firm of independent certified public accountants to furnish a statement to the Trustee, the Trust Administrator, the Depositor and the Rating Agencies on or before March 15 of each year, commencing in 2006 to the effect that, with respect to the most recently ended fiscal year, such firm has examined certain records and documents relating to the Master Servicer’s performance of its servicing obligations under this Agreement and pooling and servicing and trust agreements in material respects similar to this Agreement and to each other and that, on the basis of such examination conducted substantially in compliance with the audit program for mortgages serviced for Freddie Mac or the Uniform Single Attestation Program for Mortgage Bankers, such firm is of the opinion that the Master Servicer’s activities have
been conducted in compliance with this Agreement, or that such examination has disclosed no material items of noncompliance except for (i) such exceptions as such firm believes to be immaterial, (ii) such other exceptions as are set forth in such statement and (iii) such exceptions that the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages Serviced by Freddie Mac requires it to report. Copies of such statements shall be provided to any Certificateholder upon request by the Trust Administrator at the expense of the Master Servicer. If such report discloses exceptions that are material, the Master Servicer shall advise the Trustee whether such exceptions have been or are susceptible of cure, and if susceptible of cure will take prompt action to cure.

	
            SECTION 3.22
 	
            Access to Certain Documentation.
 

The Master Servicer shall provide to the Office of the Controller of the Currency, the Office of Thrift Supervision, the FDIC, and any other federal or state banking or insurance regulatory authority that may exercise authority over any Certificateholder, access to the documentation regarding the Mortgage Loans required by applicable laws and regulations. Such access shall be afforded without charge, but only upon reasonable request and during normal business hours at the offices of the Master Servicer designated by it. In 

 

addition, access to the documentation regarding the Mortgage Loans required by applicable laws and regulations will be provided to such Certificateholder, the Trustee, the Trust Administrator and to any Person identified to the Master Servicer as a prospective transferee of a Certificate, upon reasonable request during normal business hours at the offices of the Master Servicer designated by it at the expense of the Person requesting such access.

	
            SECTION 3.23
 	
            Title, Management and Disposition of REO Property.
 

(a)        The deed or certificate of sale of any REO Property shall be taken in the name of the Trustee, or its nominee, in trust for the benefit of the Certificateholders. The Master Servicer, on behalf of the Trust Fund, shall either sell any REO Property before the close of the third taxable year following the year the Trust Fund acquires ownership of such REO Property for purposes of Section 860G(a)(8) of the Code or request from the Internal Revenue Service, no later than 60 days before the day on which the above three-year grace period would otherwise expire, an extension of the above three-year grace period, unless the Master Servicer shall have delivered to the Trustee, the Trust Administrator and the Depositor an Opinion of Counsel, addressed to the Trustee, the Trust Administrator and the Depositor, to the effect that the holding by the
Trust Fund of such REO Property subsequent to the close of the third taxable year after its acquisition will not result in the imposition on the Trust Fund of taxes on “prohibited transactions” thereof, as defined in Section 860F of the Code, or cause any Trust REMIC to fail to qualify as a REMIC under Federal law at any time that any Certificates are outstanding. The Master Servicer shall manage, conserve, protect and operate each REO Property for the Certificateholders solely for the purpose of its prompt disposition and sale in a manner which does not cause such REO Property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code or result in the receipt by any Trust 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.

(b)        The Master Servicer shall segregate and hold all funds collected and received in connection with the operation of any REO Property separate and apart from its own funds and general assets and shall establish and maintain with respect to REO Properties an account held in trust for the Trustee for the benefit of the Certificateholders (the “REO Account”), which shall be an Eligible Account. The Master Servicer shall be permitted to allow the Collection Account to serve as the REO Account, subject to separate ledgers for each REO Property. The Master Servicer shall be entitled to retain or withdraw any interest income paid on funds deposited in the REO Account.

(c)        The Master Servicer shall have full power and authority, subject only to the specific requirements and prohibitions of this Agreement, to do any and all things in connection with any REO Property as are consistent with the manner in which the Master Servicer manages and operates similar property owned by the Master Servicer or any of its Affiliates, all on such terms and for such period as the Master Servicer deems to be in the best interests of Certificateholders. In connection therewith, the Master Servicer shall deposit, or cause to be deposited in the clearing account (which account must be an Eligible Account) in which it customarily deposits payments and collections on mortgage loans in connection with its mortgage loan servicing activities on a daily basis, and in no event more than two Business Days after the Master Servicer’s
receipt thereof, and shall thereafter deposit in the REO Account, in no event more than one Business Day after the deposit of such funds into the clearing account, all revenues received by it with respect to an REO Property and shall withdraw therefrom funds necessary for the proper operation, management and maintenance of such REO Property including, without limitation:

 

 

	
            (i)
 	
            all insurance premiums due and payable in respect of such REO Property;
 

(ii)         all real estate taxes and assessments in respect of such REO Property that may result in the imposition of a lien thereon; and

	
            (iii)
 	
            all costs and expenses necessary to maintain such REO Property.
 

To the extent that amounts on deposit in the REO Account with respect to an REO Property are insufficient for the purposes set forth in clauses (i) through (iii) above with respect to such REO Property, the Master Servicer shall advance from its own funds such amount as is necessary for such purposes if, but only if, the Master Servicer would make such advances if the Master Servicer owned the REO Property and if in the Master Servicer’s judgment, the payment of such amounts will be recoverable from the rental or sale of the REO Property.

Notwithstanding the foregoing, none of the Master Servicer, the Trust Administrator or the Trustee shall:

(i)         authorize the Trust Fund to enter into, renew or extend any New Lease with respect to any REO Property, if the New Lease by its terms will give rise to any income that does not constitute Rents from Real Property;

(ii)         authorize any amount to be received or accrued under any New Lease other than amounts that will constitute Rents from Real Property;

(iii)        authorize any construction on any REO Property, other than the completion of a building or other improvement thereon, and then only if more than ten percent of the construction of such building or other improvement was completed before default on the related Mortgage Loan became imminent, all within the meaning of Section 856(e)(4)(B) of the Code; or

(iv)        authorize any Person to Directly Operate any REO Property on any date more than 90 days after its date of acquisition by the Trust Fund;

unless, in any such case, the Master Servicer has obtained an Opinion of Counsel, provided to the Trust Administrator and the Trustee, to the effect that such action will not cause such REO Property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code at any time that it is held by the Trust Fund, in which case the Master Servicer may take such actions as are specified in such Opinion of Counsel.

The Master Servicer may contract with any Independent Contractor for the operation and management of any REO Property, provided that:

	
            (i)
 	
            the terms and conditions of any such contract shall not be inconsistent 

      herewith;
 

(ii)         any such contract shall require, or shall be administered to require, that the Independent Contractor pay all costs and expenses incurred in connection with the operation and management of such REO Property, including those listed above and remit all related revenues 

 

(net of such costs and expenses) to the Master Servicer as soon as practicable, but in no event later than thirty days following the receipt thereof by such Independent Contractor;

(iii)        none of the provisions of this Section 3.23(c) relating to any such contract or to actions taken through any such Independent Contractor shall be deemed to relieve the Master Servicer of any of its duties and obligations to the Trustee on  behalf of the Certificateholders with respect to the operation and management of any such REO Property; and

(iv)        the Master Servicer shall be obligated with respect thereto to the same extent as if it alone were performing all duties and obligations in connection with the operation and management of such REO Property.

The Master Servicer shall be entitled to enter into any agreement with any Independent Contractor performing services for it related to its duties and obligations hereunder for indemnification of the Master Servicer by such Independent Contractor, and nothing in this Agreement shall be deemed to limit or modify such indemnification. The Master Servicer shall be solely liable for all fees owed by it to any such Independent Contractor, irrespective of whether the Master Servicer’s compensation pursuant to Section 3.18 is sufficient to pay such fees.

(d)        In addition to the withdrawals permitted under Section 3.23(c), the Master Servicer may from time to time make withdrawals from the REO Account for any REO Property: (i) to pay itself or any Sub-Servicer unpaid Servicing Fees of Administration Fees in respect of the related Mortgage Loan; and (ii) to reimburse itself or any Sub-Servicer for unreimbursed Servicing Advances and P&I Advances made in respect of such REO Property or the related Mortgage Loan. Any income from the related REO Property received during any calendar months prior to a Final Recovery Determination, net of any withdrawals made pursuant to Section 3.23(c) or this Section 3.23(d), shall be withdrawn by the Master Servicer from each REO Account maintained by it and remitted to the Paying Agent for deposit into the Distribution Account in accordance with Section
3.10(d)(ii) on the Master Servicer Remittance Date relating to a Final Recovery Determination with respect to such Mortgage Loan, for distribution on the related Distribution Date in accordance with Section 4.01.

(e)        Subject to the time constraints set forth in Section 3.23(a), and further subject to obtaining the approval of the insurer under any related Primary Mortgage Insurance Policy (if and to the extent that such approvals are necessary to make claims under such policies in respect of the affected REO Property), each REO Disposition shall be carried out by the Master Servicer at such price and upon such terms and conditions as the Master Servicer shall deem necessary or advisable, as shall be normal and usual in its general servicing activities for similar properties.

(f)         The proceeds from the REO Disposition, net of any amount required by law to be remitted to the Mortgagor under the related Mortgage Loan and net of any payment or reimbursement to the Master Servicer or any Sub-Servicer as provided above, shall be remitted to the Paying Agent for deposit in the Distribution Account in accordance with Section 3.10(d)(ii) on the Master Servicer Remittance Date in the month following the receipt thereof for distribution on the related Distribution Date in accordance with Section 4.01. Any REO Disposition shall be for cash only (unless changes in the REMIC Provisions made subsequent to the Startup Day allow a sale for other consideration).

 

 

(g)        The Master Servicer shall file information returns with respect to the receipt of mortgage interest received in a trade or business, reports of foreclosures and abandonments of any Mortgaged Property and cancellation of indebtedness income with respect to any Mortgaged Property as required by Sections 6050H, 6050J and 6050P of the Code, respectively. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by such Sections 6050H, 6050J and 6050P of the Code.

	
            SECTION 3.24
 	
            Obligations of the Master Servicer in Respect of Prepayment Interest Shortfalls.
 

With respect to each Collateral Pool, the Master Servicer shall deliver to the Paying Agent for deposit into the Distribution Account on or before 12:00 p.m. New York time on the Master Servicer Remittance Date from its own funds (or from a Sub-Servicer’s own funds received by the Master Servicer in respect of Compensating Interest) an amount equal to the lesser of (i) the aggregate of the Prepayment Interest Shortfalls for the related Distribution Date resulting from full or partial Principal Prepayments during the related Prepayment Period and (ii) the applicable Compensating Interest Payment for that Collateral Pool.

	
            SECTION 3.25
 	
            Obligations of the Master Servicer in Respect of Monthly Payments.
 

In the event that a shortfall in any collection on or liability with respect to any Mortgage Loan results from or is attributable to adjustments to Stated Principal Balances that were made by the Master Servicer in a manner not consistent with the terms of the related Mortgage Note and this Agreement, the Master Servicer, upon discovery or receipt of notice thereof, immediately shall deliver to the Paying Agent for deposit in the Distribution Account from its own funds the amount of any such shortfall and shall indemnify and hold harmless the Trust Fund, the Trustee, the Trust Administrator, the Depositor and any successor master servicer in respect of any such liability. Such indemnities shall survive the termination or discharge of this Agreement. If amounts paid by the Master Servicer with respect to any Mortgage Loan pursuant to this Section 3.25 are subsequently recovered from the
related Mortgagor, the Master Servicer shall be permitted to reimburse itself for such amounts paid by it pursuant to this Section 3.25 from such recoveries.

	
            SECTION 3.26
 	
            Floater Cap Reserve Account.
 

No later than the Closing Date, the Paying Agent shall establish and maintain with itself a separate, segregated trust account titled, “Floater Cap Reserve Account, Citibank, N.A., as Paying Agent, in trust for the registered holders of Citigroup Mortgage Loan Trust Inc., Mortgage Pass- Through Certificates, Series 2005-8.”  Amounts deposited in the Floater Cap Reserve Account will consist of any payments received by the Paying Agent, as designee of the Trustee, under the Cap Contract and deposited into the Floater Cap Reserve Account.

On each Distribution Date as to which there is a Floater Cap Carryover Amount payable to the Class II-A1 Certificates, the Paying Agent shall deposit into the Floater Cap Reserve Account the amount of any payments received from the counterparty under the Cap Contract.  On each such Distribution Date, the Paying Agent shall hold all such amounts for the benefit of the Holders of the Class II-A1 Certificates and Citigroup Global Markets Realty Corp., as owner of the Non-Trust Bifurcation Amounts, and will distribute such amounts as follows: first, to the extent of the Trust Bifurcation Amounts on deposit in the Floater Cap Reserve Account, to the Holders of the Class II-A1 Certificates, the amount of any Floater Cap Carryover Amount for such Distribution Date and second, the amount of any Non-Trust Bifurcation Amount received 

 

from the counterparty under the Cap Contact for such Distribution Date, to Citigroup Global Markets Realty Corp., as owner of the Non-Trust Bifurcation Amounts.  

On each Distribution Date, any amounts remaining in the Floater Cap Reserve Account (representing payments received by the Paying Agent under the Cap Contract) after the payment of amounts therefrom as set forth in the preceding paragraph, shall be payable to the Trustee, in its individual capacity.  For so long as any Class II-A1 Certificates are beneficially owned by the Depositor or any of its Affiliates, the Depositor shall refund or cause such Affiliate to refund any amounts paid to it under the Cap Contract as Holder or Certificate Owner of such Class to the Paying Agent who shall on behalf of the Trustee, pursuant to the terms of the Cap Contract, return such amount to the counterparty thereunder.

For federal and state income tax purposes, Citigroup Global Markets Realty Corp. will be deemed to be the owner of the Floater Cap Reserve Account.  The Floater Cap Reserve Account will be an “outside reserve fund” within the meaning of Treasury Regulation Section 1.860G-2(h).  Upon the termination of the Trust Fund, or the payment in full of the Class II-A1 Certificates, after all distributions from the Floater Cap Reserve Account required to be made pursuant to the second preceding paragraph, all amounts remaining on deposit in the Floater Cap Reserve Account will be released by the Trust Fund and distributed to the Trustee or its  designee.  The Floater Cap Reserve Account (to the extent and only to the extent of any Trust Bifurcation Amounts on deposit therein) will be part of the Trust Fund but not part of any REMIC, and any payments to the Holders of the Class II-A1 of
Floater Cap Carryover Amounts will not be payments with respect to a “regular interest” in a REMIC within the meaning of Code Section 860(G)(a)(1).  The Non-Trust Bifurcation Amounts will not be part of the Trust Fund or any REMIC.

Amounts on deposit in the Floater Cap Reserve Account shall remain uninvested.

For federal tax return and information reporting, the value of the right of the Holders of the Class II-A1 Certificates to receive payments from the Floater Cap Reserve Account in respect of any Floater Cap Carryover Amount shall be available from the Trust Administrator or the Paying Agent (to the extent such information is made available to the Trust Administrator or the Paying Agent, as the case may be, by the Depositor or the Underwriter) upon request.

	
            SECTION 3.27
 	
            [Reserved].
 	
             

	
            SECTION 3.28
 	
            Administration of Buydown Funds.
 

The Buydown Account established and maintained by the Master Servicer with respect to each Buydown Mortgage Loan shall be an Eligible Account. Upon receipt from the Mortgagor of the amount due on a Due Date for each Buydown Mortgage Loan, the Master Servicer will withdraw from the related Buydown Account the predetermined amount that, when added to the amount due on such date from the Mortgagor, equals the Monthly Payment and will deposit that amount together with the related payment made by the Mortgagor in the Collection Account. The Buydown Account shall not be an asset of any REMIC and for federal income tax purposes shall be owned by the Master Servicer or the applicable Sub-Servicer.

If any Mortgagor on a Buydown Mortgage Loan prepays such Mortgage Loan in its entirety during the Buydown Period, when Buydown Funds are required to be applied to such Buydown Mortgage Loan, the Master Servicer will withdraw from the related Buydown Account and remit to such Mortgagor or any other Person in accordance with the related Buydown Agreement any Buydown Funds remaining in the Buydown 

 

Account. If a Principal Prepayment by a Mortgagor during the Buydown Period, together with any Buydown Funds in the related Buydown Account, will result in a Principal Prepayment in full, the Master Servicer will withdraw from the related Buydown Account for deposit in the Collection Account the Buydown Funds, which together with such Principal Prepayment, will result in a Principal Prepayment in Full. If a Mortgagor defaults during the Buydown Period with respect to a Buydown Mortgage Loan and the Mortgaged Property is sold at foreclosure or title thereto is acquired on behalf of the Certificateholders, the Master Servicer will withdraw from the Buydown Account the Buydown Funds (which shall thereupon constitute “Liquidation Proceeds” for purposes of this Agreement) for deposit in the Collection Account.

 

 

 

ARTICLE IV

 

PAYMENTS TO CERTIFICATEHOLDERS

	
            SECTION 4.01
 	
            Distributions.
 

(a)        (1)  On each Distribution Date, the Paying Agent, in accordance with calculations and determinations made by the Trust Administrator as reflected in the statement to Certificateholders prepared by the Trust Administrator pursuant to Section 4.02, shall withdraw from the Distribution Account an amount equal to the related Group I Available Distribution Amount for each Loan Group within Collateral Pool I.  Distributions on each Distribution Date with respect to the Group I Certificates will be made in the following amounts and order of priority, from the related Available Distribution Amount or related Available Distribution Amounts:

	
            (i)
 	
            from the Available Distribution Amount for each Loan Group, concurrently, to the Holders of the related Senior Certificates, the Interest Distribution Amount for each Class of the related Senior Certificates, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;
 
	
            (ii)
 	
            from the remaining Available Distribution Amount for each Loan Group, concurrently to the Holders of the related Class A Certificates, and on the first Distribution Date, the Holders of any related Residual Certificates, to the extent of the related Senior Principal Distribution Amount for such Certificates, in reduction of the Certificate Principal Balances of such Certificates, distributable first to the Holders of any related Class of Residual Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Holders of each Class of the related Class A Certificates, on a pro rata basis based on their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero;
 
	
            (iii)
 	
            from the remaining Available Distribution Amounts for all Loan Groups within Collateral Pool I, to the Holders of the related Subordinate Certificates, the related Interest Distribution Amount for each Class of the related Subordinate Certificates for such Distribution Date, distributable to the Holders of the Subordinate Certificates related to such Collateral Pool in the order of priority from the Class of such Subordinate Certificates with the lowest numerical designation to the Class of such Subordinate Certificates with the highest numerical designation;
 
	
            (iv)
 	
            from the remaining Available Distribution Amounts for all Loan Groups within Collateral Pool I, to the Holders of the related Subordinate Certificates, an aggregate amount equal to the related Subordinate Principal Distribution Amount for such Distribution Date, allocable among the related Classes of Subordinate Certificates in reduction of the Certificate Principal Balances thereof pro rata in accordance with the respective amounts payable as to each such Class pursuant to the priorities and amounts set forth in Section 4.01(b)(i);
 
	
            (v)
 	
            from the remaining Available Distribution Amounts for all Loan Groups within Collateral Pool I, if such Distribution Date follows the expiration of the latest expiring prepayment charge, penalty or premium on any Mortgage Loan remaining such Collateral Pool, to the Class I-P Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and
 

 

 

 

	
            (vi)
 	
            from the remaining Available Distribution Amounts for all Loan Groups within Collateral Pool I, to the Holders of the Class I-R Certificates, any remaining amounts.
 

(2)        On each Distribution Date, the Paying Agent, in accordance with calculations and determinations made by the Trust Administrator as reflected in the statement to Certificateholders prepared by the Trust Administrator pursuant to Section 4.02, shall withdraw from the Distribution Account an amount equal to the Group II Available Distribution Amount.  Distributions on each Distribution Date with respect to the Group II Certificates will be made in the following amounts and order of priority, from the Group II Available Distribution Amount: 

	
            (i)
 	
            concurrently, to the Holders of the related Senior Certificates, the Interest Distribution Amount for each Class of the related Senior Certificates, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;
 
	
            (ii)
 	
            to the Holders of the Class II-PO Certificates, to the extent of the Class PO Principal Distribution Amount for such Class of Certificates, in reduction of the Certificate Principal Balance of such Class, until the Certificate Principal Balance thereof has been reduced to zero;
 
	
            (iii)
 	
            concurrently to the Holders of the Group II Class A Certificates (other than the Class II-A2 Certificates), and on the first Distribution Date, the Holders of the Class II-R Certificates, to the extent of the related Senior Principal Distribution Amount for such Certificates, in reduction of the Certificate Principal Balances of such Certificates, distributable first to the Holders of the Class II-R Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Holders of each Class of the Group II Class A Certificates (other than the Class II-A2 Certificates), in the order of priority set forth in Section 4.01(a)(4), until the Certificate Principal Balances thereof have been reduced to zero;
 
	
            (iv)
 	
            to the Holders of the Group II Subordinate Certificates (other than the Class of Group II Subordinate Certificates then outstanding with the lowest payment priority), the related Interest Distribution Amount for each Class of the Group II Subordinate Certificates for such Distribution Date, distributable to the Holders of the Group II Subordinate Certificates in the order of priority from the Class of such Subordinate Certificates with the lowest numerical designation to the Class of such Subordinate Certificates with the highest numerical designation;
 
	
            (v)
 	
            to the Holders of the Class II-PO Certificates, in reduction of the Certificate Principal Balance of such Class, in an amount with respect to such Class equal to the excess, if any, of (x) the Class PO Percentage of the Stated Principal Balance of each related Class PO Mortgage Loan as to which a Final Liquidation has occurred over (y) the amount distributed in respect of such Class PO Mortgage Loan to such Class pursuant to clause (ii) above on such Distribution Date or on any prior Distribution Dates, until paid in full to the Holders of the Class II-PO Certificates;
 
	
            (vi)
 	
            to the Holders of the Class of Group II Subordinate Certificates then outstanding with the lowest payment priority, the Interest Distribution Amount for such Class for such Distribution Date;
 
	
            (vii)
 	
            to the Holders of the Group II Subordinate Certificates, an aggregate amount equal to the related Subordinate Principal Distribution Amount for such Distribution Date, allocable among the related Classes of Subordinate Certificates in reduction of the Certificate Principal Balances thereof pro rata 
 

 

in accordance with the respective amounts payable as to each such Class pursuant to the priorities and amounts set forth in Section 4.01(b)(i); and

	
            (viii)
 	
            to the Holders of the Class II-R Certificates, any remaining amounts.
 

(3)        On each Distribution Date, the Paying Agent, in accordance with calculations and determinations made by the Trust Administrator as reflected in the statement to Certificateholders prepared by the Trust Administrator pursuant to Section 4.02, shall withdraw from the Distribution Account an amount equal to the Group III Available Distribution Amount.  Distributions on each Distribution Date with respect to the Group III Certificates will be made in the following amounts and order of priority, from the Group III Available Distribution Amount: 

	
            (i)
 	
            concurrently, to the Holders of the related Senior Certificates, the Interest Distribution Amount for each Class of the related Senior Certificates, on a pro rata basis based on their respective entitlements to interest pursuant to this clause;
 
	
            (ii)
 	
            to the Holders of the Class III-PO Certificates, to the extent of the Class PO Principal Distribution Amount for such Class of Certificates, in reduction of the Certificate Principal Balance of such Class, until the Certificate Principal Balance thereof has been reduced to zero;
 
	
            (iii)
 	
            concurrently to the Holders of the Group III Class A Certificates, and on the first Distribution Date, the Holders of the Class III-R Certificates, to the extent of the related Senior Principal Distribution Amount for such Certificates, in reduction of the Certificate Principal Balances of such Certificates, distributable first to the Holders of the Class III-R Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Holders of each Class of the Group III Class A Certificates, on a pro rata basis based on their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero;
 
	
            (iv)
 	
            to the Holders of the Group III Subordinate Certificates (other than the Class of Group III Subordinate Certificates then outstanding with the lowest payment priority), the related Interest Distribution Amount for each Class of the Group III Subordinate Certificates for such Distribution Date, distributable to the Holders of the Group III Subordinate Certificates in the order of priority from the Class of such Subordinate Certificates with the lowest numerical designation to the Class of such Subordinate Certificates with the highest numerical designation;
 
	
            (v)
 	
            to the Holders of the Class III-PO Certificates, in reduction of the Certificate Principal Balance of such Class, in an amount with respect to such Class equal to the excess, if any, of (x) the Class PO Percentage of the Stated Principal Balance of each related Class PO Mortgage Loan as to which a Final Liquidation has occurred over (y) the amount distributed in respect of such Class PO Mortgage Loan to such Class pursuant to clause (ii) above on such Distribution Date or on any prior Distribution Dates, until paid in full to the Holders of the Class III-PO Certificates;
 
	
            (vi)
 	
            to the Holders of the Class of Group III Subordinate Certificates then outstanding with the lowest payment priority, the Interest Distribution Amount for such Class for such Distribution Date;
 
	
            (vii)
 	
            to the Holders of the Group III Subordinate Certificates, an aggregate amount equal to the related Subordinate Principal Distribution Amount for such Distribution Date, allocable among the related 
 

 

Classes of Subordinate Certificates in reduction of the Certificate Principal Balances thereof pro rata in accordance with the respective amounts payable as to each such Class pursuant to the priorities and amounts set forth in Section 4.01(b)(i); and

	
            (viii)
 	
            to the Holders of the Class III-R Certificates, any remaining amounts.
 

(4)        On each Distribution Date, all distributions to the Group II Class A Certificates (other than the Class II-A2 Certificates) made pursuant to Section 4.01(a)(2)(iii) shall be distributed among the Classes of Group II Class A Certificates (other than the Class II-A2 Certificates) in the following amounts and order of priority: 

	
            (i)
 	
            an amount up to $100, to the Holders of the Class II-A1 Certificates, in reduction of the Certificate Principal Balance of such Class, until the Certificate Principal Balance of such Class has been reduced to zero;  
 
	
            (ii)
 	
            concurrently, to the Holders of the Class II-A4A Certificates and Class II-A4B Certificates, on a pro rata basis based on their respective Certificate Principal Balances, the Lockout Distribution Amount, in each case in reduction of the Certificate Principal Balance of such Class, until the Certificate Principal Balance of each such Class has been reduced to zero;
 
	
            (iii)
 	
            an amount up to $721,400, to the Holders of the Class II-A5 Certificates, in reduction of the Certificate Principal Balance of such Class, until the Certificate Principal Balance of such Class has been reduced to zero;
 
	
            (iv)
 	
            to the Holders of the Class II-A1 Certificates Certificates, in reduction of the Certificate Principal Balance of such Class, until the Certificate Principal Balance of such Class has been reduced to zero; 
 
	
            (v)
 	
            to the Holders of the Class II-A5 Certificates Certificates, in reduction of the Certificate Principal Balance of such Class, until the Certificate Principal Balance of such Class has been reduced to zero; 
 
	
            (vi)
 	
            to the Holders of the Class II-A3 Certificates Certificates, in reduction of the Certificate Principal Balance of such Class, until the Certificate Principal Balance of such Class has been reduced to zero; and
 
	
            (vii)
 	
            to the Holders of the Class II-A4A Certificates and the Class II-A4B Certificates, on a pro rata basis based on their respective Certificate Principal Balances, in reduction of the Certificate Principal Balance of each such Class, until the Certificate Principal Balance of each such Class has been reduced to zero; 
 

5)       On each Distribution Date, all amounts representing prepayment charges, penalties or premiums in respect of the Group I Mortgage Loans received during the related Prepayment Period will be withdrawn from the Distribution Account and distributed by the Paying Agent to the Holders of the Class I-P Certificates and shall not be available for distribution to the Holders of any other Class of Certificates. The payment of the foregoing amounts to the Holders of the Class I-P Certificates shall not reduce the Certificate Principal Balance thereof.

(6)        On each Distribution Date, after making the distributions of the Available Distribution Amounts as set forth above, the Paying Agent will withdraw from the Floater Cap Carryover Reserve Account, 

 

to the extent of amounts remaining on deposit therein, the amount of any Floater Cap Carryover Amount for such Distribution Date and distribute such amount to the Holders of the Class II-A1 Certificates.  The payment of the foregoing amounts to the Holders of the Class II-A1 Certificates shall not reduce the Certificate Principal Balance thereof.

(7)        Immediately prior to the distributions to the Holders of the Certificates on each Distribution Date, any adjustments to the Certificate Principal Balances of the Certificates required by this paragraph shall be made. For each Collateral Pool, an amount equal to the lesser of (x) the amount of related Subsequent Recoveries included in the available funds for such Distribution Date and (y) the aggregate amount of related Realized Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses and Extraordinary Losses, previously allocated to the Certificates and that remain “outstanding” as set forth below shall be applied as follows: first, to increase the Certificate Principal Balance of the related Class of Certificates with the highest payment priority to which such Realized Losses were previously
allocated, to the extent of any such Realized Losses previously allocated to such Class and remaining “outstanding” second, to increase the Certificate Principal Balance of the related Class of Certificates with the next highest payment priority to which such Realized Losses were previously allocated, to the extent of any such Realized Losses previously allocated to such Class and remaining “outstanding” and so forth. For purposes of the foregoing, with respect to any Class of Certificates, the amount of previously allocated Realized Losses that have been offset by an increase in Certificate Principal Balance as provided above shall be deemed no longer “outstanding” but not by more than the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.04. Holders of any Class of Certificates with respect to which there shall have been a Certificate Principal Balance increase pursuant to this paragraph will not be
entitled to any distribution in respect of interest on the amount of such increase for any Interest Accrual Period preceding the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest.

All references above to the Certificate Principal Balance of any Class of Certificates shall be to the Certificate Principal Balance of such Class prior to the allocation of Extraordinary Trust Fund Expenses and Realized Losses, in each case allocated to such Class of Certificates, on such Distribution Date pursuant to Section 4.04.

 (b) (i)   On each Distribution Date, the aggregate distributions of principal made on such date in respect of the Group I Subordinate Certificates pursuant to Section 4.01(a)(1)(iv) above, the aggregate distributions of principal made on such date in respect of the Group II Subordinate Certificates pursuant to Section 4.01(a)(2)(vii) above and the aggregate distributions of principal made on such date in respect of the Group III Subordinate Certificates pursuant to Section 4.01(a)(3)(vii) above, respectively, shall be applied among the various Classes thereof, in the order of priority within each Collateral Pool from the Class of related Subordinate Certificates with the lowest numerical designation to the Class of related Subordinate Certificates with the highest numerical designation, in each case to the extent of remaining available funds up to the amount
allocable to such Class for such Distribution Date and in each case until the aggregate Certificate Principal Balance of each such Class is reduced to zero, in an amount with respect to each such Class equal to the sum of (X) the related Class B Percentage of the amounts described in clauses (i) through (v) of clause (a) of the definition of Subordinate Principal Distribution Amount, (Y) the portion of the amounts described in clauses (b), (c) and (e) of the definition of Subordinate Principal Distribution Amount allocable to such Class pursuant to Section 4.01(b)(ii) below and (Z) the excess, if any, of the amount required to be distributed to such Class pursuant to this Section  4.01(b)(i) for the immediately preceding Distribution Date, over the aggregate 

 

distributions of principal made in respect of such Class of Certificates on such immediately preceding Distribution Date pursuant to Section 4.01 to the extent that any such excess is not attributable to Realized Losses which were allocated to related Subordinate Certificates with a lower priority pursuant to Section 4.04.

(ii)         On any Distribution Date, the portion of (a) all net Liquidation Proceeds and Insurance Proceeds with respect to any Group I Mortgage Loans that were the subject of a Final Recovery Determination in the related Prepayment Period and (b) all Principal Prepayments received in respect of the Group I Mortgage Loans in the related Prepayment Period, allocable to principal and not included in the related Senior Principal Distribution Amount, will be allocated on a pro rata basis among the following Classes of Group I Subordinate Certificates (each, an “Eligible Class”) in proportion to the respective outstanding Certificate Principal Balances thereof: (i) the Class I-B1 Certificates, (ii) the Class I-B2 Certificates, if on such Distribution Date the aggregate percentage interest in
Collateral Pool I evidenced by the Class I-B2 Certificates, the Class I-B3 Certificates, the Class I-B4 Certificates, the Class I-B5 Certificates and the Class I-B6 Certificates equals or exceeds 2.70% before giving effect to distributions on such Distribution Date, (iii) the Class I-B3 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool I evidenced by the Class I-B3 Certificates, the Class I-B4 Certificates, the Class I-B5 Certificates and the Class I-B6 Certificates equals or exceeds 1.75% before giving effect to distributions on such Distribution Date, (iv) the Class I-B4 Certificates, if on such  Distribution Date the aggregate percentage interest in Collateral Pool I evidenced by the Class I-B4 Certificates, the Class I-B5 Certificates and the Class I-B6 Certificates equals or exceeds 1.20% before giving effect to distributions on such Distribution Date, (v) the Class I-B5 Certificates, if on such Distribution Date the aggregate
percentage interest in Collateral Pool I evidenced by the Class I-B5 Certificates and the Class I-B6 Certificates equals or exceeds 0.70% before giving effect to distributions on such Distribution Date and (vi) the Class I-B6 Certificates, if on such Distribution Date the percentage interest in Collateral Pool I evidenced by the Class I-B6 Certificates equals or exceeds 0.35% before  giving effect to distributions on such Distribution Date. If  any of the foregoing Certificates is not an Eligible Class, any amounts allocable to principal and distributable pursuant to this Section 4.01(b)(ii) will be distributed among the Certificates that are Eligible Classes in the manner set forth above.

On any Distribution Date, the portion of (a) all net Liquidation Proceeds and Insurance Proceeds with respect to any Group II Mortgage Loans that were the subject of a Final Recovery Determination in the related Prepayment Period and (b) all Principal Prepayments received in respect of the Group II Mortgage Loans in the related Prepayment Period, allocable to principal and not included in the related Senior Principal Distribution Amounts, will be allocated on a pro rata basis among the following Classes of Group II Subordinate Certificates (each, an “Eligible Class”) in proportion to the respective outstanding Certificate Principal Balances thereof: (i) the Class II-B1 Certificates, (ii) the Class II-B2 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool II evidenced by the Class II-B2
Certificates, the Class II-B3 Certificates, the Class II-B4 Certificates, the Class II-B5 Certificates and the Class II-B6 Certificates equals or exceeds 3.50% before giving effect to distributions on such Distribution Date, (iii) the Class II-B3 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool II evidenced by the Class II-B3 Certificates, the Class II-B4 Certificates, the Class II-B5 Certificates and the Class II-B6 Certificates equals or exceeds 2.20% before giving effect to distributions on such Distribution Date, (iv) the Class II-B4 Certificates, if on such  Distribution Date the aggregate percentage interest in Collateral Pool II evidenced by the Class II-B4 Certificates, the Class II-B5 Certificates and the Class II-B6 Certificates equals or exceeds 1.40% before giving effect to distributions on such Distribution Date, (v) the Class II-B5 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral
Pool II evidenced by the Class II-B5 Certificates and the Class II-B6 Certificates equals or exceeds 0.75% before giving effect to distributions on 

 

such Distribution Date and (vi) the Class II-B6 Certificates, if on such Distribution Date the percentage interest in Collateral Pool II evidenced by the Class II-B6 Certificates equals or exceeds 0.30% before giving effect to distributions on such Distribution Date. If  any of the foregoing Certificates is not an Eligible Class, any amounts allocable to principal and distributable pursuant to this Section 4.01(b)(ii) will be distributed among the Certificates that are Eligible Classes in the manner set forth above.

On any Distribution Date, the portion of (a) all net Liquidation Proceeds and Insurance Proceeds with respect to any Group III Mortgage Loans that were the subject of a Final Recovery Determination in the related Prepayment Period and (b) all Principal Prepayments received in respect of the Group III Mortgage Loans in the related Prepayment Period, allocable to principal and not included in the related Senior Principal Distribution Amounts, will be allocated on a pro rata basis among the following Classes of Group III Subordinate Certificates (each, an “Eligible Class”) in proportion to the respective outstanding Certificate Principal Balances thereof: (i) the Class III-B1 Certificates, (ii) the Class III-B2 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool III evidenced by the Class
III-B2 Certificates, the Class III-B3 Certificates, the Class III-B4 Certificates, the Class III-B5 Certificates and the Class III-B6 Certificates equals or exceeds 2.70% before giving effect to distributions on such Distribution Date, (iii) the Class III-B3 Certificates, if on such Distribution Date the aggregate percentage interest in Collateral Pool II evidenced by the Class III-B3 Certificates, the Class III-B4 Certificates, the Class III-B5 Certificates and the Class III-B6 Certificates equals or exceeds 1.80% before giving effect to distributions on such Distribution Date, (iv) the Class III-B4 Certificates, if on such  Distribution Date the aggregate percentage interest in Collateral Pool III evidenced by the Class III-B4 Certificates, the Class III-B5 Certificates and the Class III-B6 Certificates equals or exceeds 1.15% before giving effect to distributions on such Distribution Date, (v) the Class III-B5 Certificates, if on such Distribution Date the aggregate percentage
interest in Collateral Pool III evidenced by the Class III-B5 Certificates and the Class III-B6 Certificates equals or exceeds 0.70% before giving effect to distributions on such Distribution Date and (vi) the Class III-B6 Certificates, if on such Distribution Date the percentage interest in Collateral Pool III evidenced by the Class III-B6 Certificates equals or exceeds 0.40% before giving effect to distributions on such Distribution Date. If  any of the foregoing Certificates is not an Eligible Class, any amounts allocable to principal and distributable pursuant to this Section 4.01(b)(ii) will be distributed among the Certificates that are Eligible Classes in the manner set forth above.

Notwithstanding the foregoing, if the application of the foregoing on any Distribution Date as provided in Section 4.01 would result in a distribution in respect of principal to any Class or Classes of Subordinate Certificates in an amount greater than the remaining  Certificate Principal Balance thereof (any such Class, a “Maturing Class”) then: (a) the amount to be allocated to each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero and (b) the total amount of the reduction in the amount to be allocated to the Maturing Class or Classes shall be allocated among the remaining related Eligible Classes on a pro rata basis in proportion to the respective outstanding Certificate Principal Balances thereof prior to the allocation
thereto of any of the amounts described in the preceding sentence.

(c)        All distributions made with respect to each Class of Certificates on each Distribution Date shall be allocated pro rata among the outstanding Certificates in such Class based on their respective Percentage Interests. Payments in respect of each Class of Certificates on each Distribution Date will be made to the Holders of the respective Class of record on the related Record Date (except as otherwise provided in Section 4.01(e) or Section 9.01 respecting the final distribution on such Class), based on the aggregate Percentage Interest represented by their respective Certificates, and shall be made by wire transfer of 

 

immediately available funds to the account of any such Holder at a bank or other entity having appropriate facilities therefor, if such Holder shall have so notified the Certificate Registrar in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date and with respect to any Class of Certificates other than the Residual Certificates is the registered owner of Certificates having an initial aggregate Certificate Principal Balance that is in excess of the lesser of (i) $5,000,000 or (ii) two-thirds of the initial Certificate Principal Balance of such Class of Certificates, or otherwise by check mailed by first class mail to the address of such Holder appearing in the Certificate Register. The final distribution on each Certificate will be made in like manner, but only upon presentment and surrender of such Certificate at the Corporate Trust Office of the
Certificate Registrar or such other location specified in the notice to Certificateholders of such final distribution.

Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a “brokerage firm” or “indirect participating firm”) for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent, the Depositor or the Master Servicer shall have any responsibility therefor except as otherwise provided by this
Agreement or applicable law.

(d)        The rights of the Certificateholders to receive distributions in respect of the Certificates, and all interests of the Certificateholders in such distributions, shall be as set forth in this Agreement. None of the Holders of any Class of Certificates, the Depositor, the Trustee, the Trust Administrator, the Authenticating Agent, the Paying Agent, the Certificate Registrar or the Master Servicer shall in any way be responsible or liable to the Holders of any other Class of Certificates in respect of amounts properly previously distributed on the Certificates.

(e)        Except as otherwise provided in Section 9.01, whenever the Trust Administrator expects that the final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Trust Administrator shall so timely advise the Paying Agent and the Paying Agent shall, no later than five days after the latest related Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that:

(i)         the Paying Agent expects that the final distribution with respect to such Class of Certificates will be made on such Distribution Date, but only upon presentation and surrender of such Certificates at the office of the Certificate Registrar therein specified, and

(ii)         no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period.

(iii)        Any funds not distributed to any Holder or Holders of Certificates of such Class on such Distribution Date because of the failure of such Holder or Holders to tender their Certificates shall, on such date, be set aside and held in trust by the Paying Agent and credited to the account of the appropriate non-tendering Holder or Holders. If any Certificates as to which notice has been given pursuant to this Section 4.01(e) shall not have been surrendered for cancellation within six months after the time specified in such notice, the Paying Agent shall mail a second notice to the remaining non-

 

tendering Certificateholders to surrender their Certificates for cancellation in order to receive the final distribution with respect thereto. If within one year after the second notice all such Certificates shall not have been surrendered for cancellation, the Paying Agent shall, directly or through an agent, mail a final notice to remaining non-tendering Certificateholders concerning surrender of their Certificates and shall continue to hold any remaining funds for the benefit of non-tendering Certificateholders. The costs and expenses of maintaining the funds in trust and of contacting such Certificateholders shall be paid out of the assets remaining in such trust fund. If within one year after the final notice any such Certificates shall not have been surrendered for cancellation, the Paying Agent shall pay to the Citigroup Global Markets Inc. all such amounts, and all rights of
non-tendering Certificateholders in or to such amounts shall thereupon cease. No interest shall accrue or be payable to any Certificateholder on any amount held in trust by the Paying Agent as a result of such Certificateholder’s failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 4.01(e).

	
            SECTION 4.02
 	
            Statements to Certificateholders.
 

On each Distribution Date, the Trust Administrator shall prepare and make available to the Paying Agent, and the Paying Agent shall make available on its website to each Holder of the Regular Certificates, a statement as to the distributions made on such Distribution Date setting forth: 

(i)         the amount of the distribution made on such Distribution Date to the Holders of Certificates of each such Class allocable to principal;

(ii)         the amount of the distribution made on such Distribution Date to the Holders of Certificates of each such Class allocable to interest;

(iii)        with respect to each Collateral Pool, the aggregate amount of servicing compensation received by the Master Servicer during the related Due Period and such other customary information as the Trust Administrator deems necessary or desirable, or which a  Certificateholder reasonably requests, to enable Certificateholders to prepare their tax returns;

(iv)        with respect to each Collateral Pool, the aggregate amount of P&I Advances for such Distribution Date;

(v)        with respect to each Collateral Pool, the aggregate Stated Principal Balance of the related Mortgage Loans and any related REO Properties at the close of business on such Distribution Date;

(vi)        with respect to each Collateral Pool, the number, aggregate principal balance, weighted average remaining term to maturity and weighted average Mortgage Rate of the related Mortgage Loans as of the related Due Date;

(vii)       with respect to each Collateral Pool, the number and aggregate unpaid principal balance of related Mortgage Loans that are (a) delinquent 30 to 59 days, (b) delinquent 60 to 89 days, (c) delinquent 90 or more days in each case, as of the last day of the preceding calendar month, (d) as  to which foreclosure proceedings have been commenced and (e) with respect to which the related Mortgagor has filed for protection under applicable bankruptcy laws, with 

 

respect to whom bankruptcy proceedings are pending or with respect to whom bankruptcy protection is in force;

(viii)      with respect to each Collateral Pool, for any related Mortgage Loan that became an REO Property during the preceding calendar month, the unpaid principal balance and the Stated Principal Balance of such Mortgage Loan as of the date it became an REO Property;

(ix)        with respect to each Collateral Pool, the book value and the Stated Principal Balance of any related REO Property as of the close of business on the last Business Day of the calendar month preceding the Distribution Date;

(x)        with respect to each Collateral Pool, the aggregate amount of Principal Prepayments made during the related Prepayment Period;

(xi)        with respect to each Collateral Pool, the aggregate amount of Realized Losses incurred during the related Prepayment Period (or, in the case of Bankruptcy Losses allocable to interest, during the related Due Period), separately identifying whether such Realized Losses  constituted Fraud Losses, Special Hazard Losses or Bankruptcy Losses;

(xii)       with respect to each Collateral Pool, the aggregate amount of Extraordinary Trust Fund Expenses withdrawn from the Collection Account or the Distribution Account for such Distribution Date;

(xiii)      the aggregate Certificate Principal Balance of each such Class of Certificates (other than the Class II-A2 Certificates, the Class II-XS Certificates and the Class III-XS Certificates) after giving effect to the distributions, and allocations of Realized Losses and Extraordinary Trust Fund Expenses made on such Distribution Date, separately identifying any reduction thereof due to allocations of Realized Losses and Extraordinary Trust Fund Expenses;

(xiv)      the Certificate Factor for each such Class of Certificates applicable to such Distribution Date;

(xv)       the Interest Distribution Amount in respect of each such Class of Certificates (other than the Class I-P Certificates, the Class II-PO Certificates and the Class III-PO Certificates ) for such Distribution Date and the respective portions thereof, if any, remaining unpaid following the distributions made in respect of such Certificates on such Distribution Date;

(xvi)      with respect to each Collateral Pool, the aggregate amount of any Prepayment Interest Shortfalls for such Distribution Date, to the extent not covered by payments by the Master Servicer pursuant to Section 3.24;

(xvii)     with respect to each Collateral Pool, the aggregate amount of Relief Act Interest Shortfalls for such Distribution Date;

(xviii)    with respect to each Collateral Pool, the then-applicable Bankruptcy Amount, Fraud Loss Amount, and Special Hazard Amount;

 

 

(xix)      with respect to Collateral Pool II and Collateral Pool III, the weighted average of the Stripped Interest Rates of the related Mortgage Loans as of the first day of the related Due Period for such Distribution Date; 

(xx)       with respect to each Collateral Pool, for any related Mortgage Loan as to which foreclosure proceedings have been concluded, the unpaid principal balance of such Mortgage Loan as of the date of such conclusion of foreclosure proceedings;

(xxi)      with respect to each Collateral Pool, for related Mortgage Loans as to which a Final Liquidation has occurred, the number of Mortgage Loans, the unpaid principal balance of such Mortgage Loans as of the date of such Final Liquidation and the amount of proceeds (including Liquidation Proceeds and Insurance Proceeds) collected in respect of such Mortgage Loans; 

(xxii)     with respect to the Class II-A2 Certificates and each Class of Class XS Certificates, the related Notional Amount for such Distribution Date; 

(xxiii)  the portion of any payments received from the Cap Counterparty consisting of the Trust Bifurcation Amount for such Distribution Date, the amount of any Floater Cap Carryover Amount for such Distribution Date and the amount of any Floater Cap Carryover Amount remaining unpaid after taking into account the distribution of any Trust Bifurcation Amount on such Distribution Date; and

(xxiii)  [reserved].

In the case of information furnished pursuant to subclauses (i) through (iii) above, the amounts shall also be expressed as a dollar amount per Single Certificate of the relevant Class. 

Within a reasonable period of time after the end of each calendar year, the Paying Agent shall forward to each Person (with a copy to the Trust Administrator and the Trustee) who at any time during the calendar year was a Holder of a Regular Certificate a statement containing the information set forth in subclauses (i) through (iii) above, aggregated for such calendar year or applicable portion thereof during which such person was a Certificateholder. Such obligation of the Paying Agent shall be deemed to have been satisfied to the extent that substantially comparable information shall be prepared by the Trust Administrator and provided by the Paying Agent pursuant to any requirements of the Code as from time to time are in force.

On each Distribution Date, the Paying Agent shall make available to the Depositor, each Holder of a Residual Certificate, the Trust Administrator and the Master Servicer, a copy of the reports forwarded to the Regular Certificateholders on such Distribution Date and a statement setting forth the amounts, if any, actually distributed with respect to the Residual Certificates, respectively, on such Distribution Date.

Within a reasonable period of time after the end of each calendar year, the Paying Agent shall forward to each Person (with a copy to the Trust Administrator and the Trustee) who at any time during the calendar year was a Holder of a Residual Certificate a statement setting forth the amount, if any, actually distributed with respect to the Residual Certificates, as appropriate, aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Paying Agent shall be deemed to have been satisfied to the extent that substantially comparable information shall be 

 

prepared by the Trust Administrator and furnished by the Paying Agent to such Holders pursuant to the rules and regulations of the Code as are in force from time to time.

Upon request, the Paying Agent shall forward to each Certificateholder, during the term of this Agreement, such periodic, special, or other reports or information, whether or not provided for herein, as shall be reasonable with respect to the Certificateholder, or otherwise with respect to the purposes of this Agreement, all such reports or information to be provided at the expense of the Certificateholder in accordance with such reasonable and explicit instructions and directions as the Certificateholder may provide. For purposes of this Section 4.02, the Paying Agent’s duties are limited to the extent that the Paying Agent receives timely reports as required from the Trust Administrator and the Master Servicer and that the Trust Administrator receives timely reports as required from the Master Servicer.

On each Distribution Date, the Trust Administrator shall provide Bloomberg Financial Markets, L.P. (“Bloomberg”) (1) CUSIP level factors for each class of Certificates as of such Distribution Date and (2) the number and aggregate unpaid principal balance of Mortgage Loans that are (a) delinquent 30 to 59 days, (b) delinquent 60 to 89 days, (c) delinquent 90 or more days in each case, as of the last day of the preceding calendar month, (d) as  to which foreclosure proceedings have been commenced and (e) with respect to which the related Mortgagor has filed for protection under applicable bankruptcy laws, with respect to whom bankruptcy proceedings are pending or with respect to whom bankruptcy protection is in force, in each case using a format and media mutually acceptable to the Trust Administrator and Bloomberg.

	
            SECTION 4.03
 	
            Remittance Reports; P&I Advances.
 

(a)        On the second Business Day prior to the related Distribution Date, the Master Servicer shall deliver to the Trust Administrator, the Paying Agent and the Trustee by telecopy (or by such other means as the Master Servicer, the Paying Agent and the Trust Administrator and the Trustee may agree from time to time) a Remittance Report with respect to the related Distribution Date. Such Remittance Report will include (i) the amount of P&I Advances to be made by the Master Servicer in respect of the related Distribution Date, the aggregate amount of P&I Advances outstanding after giving effect to such P&I Advances, and the aggregate amount of Nonrecoverable P&I Advances in respect of such Distribution Date and (ii) such other information with respect to the Mortgage Loans as the Trust Administrator or the Paying Agent may
reasonably require to perform the calculations necessary for the Paying Agent to make the distributions contemplated by Section 4.01 and for the Trust Administrator to prepare the statements to Certificateholders contemplated by Section 4.02; provided, however, that if the Master Servicer is not the Trust Administrator, the Master Servicer will forward to the successor Trust Administrator the information set forth in clause (i) above on the next Business Day following the latest related Determination Date and the information set forth in clause (ii) above on the fifth Business Day following the last day of the related calendar month. Neither the Trustee, the Paying Agent nor the Trust Administrator shall be responsible to recompute, recalculate or verify any information provided to it by the Master Servicer.

(b)        The amount of P&I Advances to be made by the Master Servicer for any Distribution Date shall equal, subject to Section 4.03(d), the sum of (i) the aggregate amount of Monthly Payments (with each interest portion thereof net of the related Servicing Fee and the related Administration Fee), due on the related Due Date in respect of the Mortgage Loans, which Monthly Payments were delinquent as of the close of business on the related Determination Date and (ii) with respect to each REO Property, which REO Property was acquired during or prior to the related Prepayment Period and as to which such REO Property an REO Disposition did not occur during the related Prepayment Period, an amount equal to the Monthly Payments 

 

(with each interest portion thereof net of the related Servicing Fee and the related Administration Fee) that would have been due on the related Due Date in respect of the related Mortgage Loans.

On or before 12:00 p.m. New York time on the Master Servicer Remittance Date, the Master Servicer shall remit in immediately available funds to the Paying Agent for deposit in the Distribution Account an amount equal to the aggregate amount of P&I Advances, if any, to be made in respect of the Mortgage Loans and REO Properties for the related Distribution Date either (i) from its own funds or, if received from a Sub-Servicer, from funds remitted by a Sub-Servicer in payment of required P&I Advances or (ii) from the Collection Account, to the extent of funds held therein for future distribution (in which case, it will cause to be made an appropriate entry in the records of Collection Account that amounts held for future distribution have been, as permitted by this Section 4.03, used by the Master Servicer in discharge of any such P&I Advance) or (iii) in the form of any
combination of (i) and (ii) aggregating the total amount of P&I Advances to be made by the Master Servicer with respect to the Mortgage Loans and REO Properties. Any amounts held for future distribution and so used shall be appropriately reflected in the Master Servicer’s records and replaced by the Master Servicer by deposit in the Collection Account on or before any future Master Servicer Remittance Date to the extent that the Available Distribution Amount for the related Distribution Date (determined without regard to P&I Advances to be made on the Master Servicer Remittance Date) shall be less than the total amount that would be distributed to the Classes of Certificateholders pursuant to Section 4.01 on such Distribution Date if such amounts held for future distributions had not been so used to make P&I Advances. The Trust Administrator will provide notice to the Master Servicer by telecopy by the close of business on the Master Servicer Remittance Date in the
event that the amount remitted by the Master Servicer to the Trust Administrator on such Master Servicer Remittance Date is less than the P&I Advances required to be made by the Master Servicer for the related Distribution Date.

(c)        The obligation of the Master Servicer to make such P&I Advances is mandatory, notwithstanding any other provision of this Agreement but subject to (d) below, and, with respect to any Mortgage Loan or REO Property, shall continue until a Final Recovery Determination in connection therewith or the removal thereof from REMIC I pursuant to any applicable provision of this Agreement, except as otherwise provided in this Section.

(d)        Notwithstanding anything herein to the contrary, no P&I Advance shall be required to be made hereunder by the Master Servicer if such P&I Advance would, if made, constitute a Nonrecoverable P&I Advance. The determination by the Master Servicer that it has made a Nonrecoverable P&I Advance or that any proposed P&I Advance, if made, would constitute a Nonrecoverable P&I Advance, shall be evidenced by an Officers’ Certificate of the Master Servicer delivered to the Depositor, the Trust Administrator, the Paying Agent and the Trustee. 

(e)        If the Master Servicer shall fail to make any P&I Advance on any Master Servicer Remittance Date required to be made from its own funds pursuant to this Section 4.03, then the Paying Agent, by not later than 1:00 p.m. on the related Distribution Date, shall make such P&I advance from its own funds by depositing the amount of such advance into the Distribution Account, and the Trust Administrator and the Paying Agent shall include the amount so advanced by the Paying Agent in the Available Distribution Amount distributed on such Distribution Date. 

 

 

	
            SECTION 4.04
 	
            Allocation of Extraordinary Trust Fund Expenses and Realized Losses.
 

(a)        Prior to each Distribution Date, the Master Servicer shall determine as to each Mortgage Loan and REO Property: (i) the total amount of Realized Losses, if any, incurred in connection with any Final Recovery Determinations made during the related Prepayment Period; (ii) whether and the extent to which such Realized Losses constituted Fraud Losses or Special Hazard Losses; and (iii) the respective portions of such Realized Losses allocable to interest and allocable to principal. Prior to each Distribution Date, the Master Servicer shall also determine as to each Mortgage Loan: (A) the total amount of Realized Losses, if any, incurred in connection with any Deficient Valuations made during the related Prepayment Period; and (B) the total amount of Realized Losses, if any, incurred in connection with Debt Service Reductions in respect of
Monthly Payments due during the related Due Period. The information described in the two preceding sentences that is to be supplied by the Master Servicer shall be evidenced by an Officers’ Certificate delivered to the Trust Administrator, the Paying Agent and the Trustee by the Master Servicer prior to the Determination Date immediately following the end of (x) in the case of Bankruptcy Losses allocable to interest, the Due Period during which any such Realized Loss was incurred, and (y) in the case of all other Realized Losses, the Prepayment Period during which any such Realized Loss was incurred.

(b)        All Realized Losses on the Mortgage Loans related to each Collateral Pool (other than Excess Losses) shall be allocated by the Paying Agent on each Distribution Date in reverse sequential order to the related Subordinate Certificates, in each case until the Certificate Principal Balance thereof has been reduced to zero. 

Thereafter, (i) with respect to Collateral Pool I, upon the reduction of the Certificate Principal Balances of the related Subordinate Certificates to zero, all Realized Losses on the Mortgage Loans related to such Collateral Pool (other than Excess Losses) shall be allocated to the Class I-A1A Certificates and the Class I-A1B Certificates on a pro rata basis  (if such Realized Loss is on a Group I-1 Mortgage Loan), to the Class I-A2A Certificates Certificates and the Class I-A2B Certificates on a pro rata basis  (if such Realized Loss is on a Group I-2 Mortgage Loan), to the Class I-A3A Certificates and the Class I-A3B Certificates on a pro rata basis  (if such Realized Loss is on a Group I-3 Mortgage Loan) and to the Class I-A4A Certificates and the
Class I-A4B Certificates on a pro rata basis  (if such Realized Loss is on a Group I-4 Mortgage Loan); (ii) with respect to Collateral Pool II, upon the reduction of the Certificate Principal Balances of the related Subordinate Certificates to zero, (A) all Realized Losses on the Mortgage Loans (other than Class PO Mortgage Loans) related to such Collateral Pool (other than Excess Losses) shall be allocated to the Group II Class A Certificates (other than the Class II-A2 Certificates) on a pro rata basis and (B) all Realized Losses on the Class PO Mortgage Loans related to such Collateral Pool (other than Excess Losses) shall be allocated first, to the Class II-PO Certificates in an amount equal to the Class PO Percentage of each such Realized Loss and second, to the Group II Class A Certificates (other than the Class II-A2 Certificates) on a pro rata basis; and (iii) with respect to Collateral Pool III, upon the reduction of the Certificate Principal Balances of the related Subordinate Certificates to zero, (A) all Realized Losses on the Mortgage Loans (other than Class PO Mortgage Loans) related to such Collateral Pool (other than Excess Losses) shall be allocated to the Group III Class A Certificates on a pro rata basis and (B) all Realized Losses on the Class PO Mortgage Loans related to such Collateral Pool (other than Excess Losses) shall be allocated first, to the Class III-PO Certificates in an amount equal to the Class PO Percentage of each such Realized Loss and second, to the Group III Class A Certificates on a pro rata basis.  Notwithstanding the foregoing, (i) any allocation of a Realized Loss (other than an Excess Loss) to the Class I-A1A Certificates and Class I-A1B Certificates shall be allocated first to the Class
I-A1B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class I-A1A 

 

Certificates; (ii) any allocation of a Realized Loss (other than an Excess Loss) to the Class I-A2A Certificates and Class I-A2B Certificates shall be allocated first to the Class I-A2B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class I-A2A Certificates; any allocation of a Realized Loss (other than an Excess Loss) to the Class I-A3A Certificates and Class I-A3B Certificates shall be allocated first to the Class I-A3B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class I-A3A Certificates; (iv) any allocation of a Realized Loss (other than an Excess Loss) to the Class I-A4A Certificates and Class I-A4B Certificates shall be allocated first to the Class I-A4B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class I-A4A Certificates; and (v)
any allocation of a Realized Loss (other than an Excess Loss) to the Class II-A4A Certificates and Class II-A4B Certificates shall be allocated first to the Class II-A4B Certificates until the Certificate Principal Balance thereof has been reduced to zero and then to the Class II-A4A Certificates. 

Excess Losses on the Group I Mortgage Loans will be allocated on any Distribution Date by allocating (i) the related Senior Percentage of the Excess Loss to the Class I-A1A Certificates and the Class I-A1B Certificates on a pro rata basis (if such Excess Loss is on a Group I-1 Mortgage Loan), to the Class I-A2A Certificates and the Class I-A2B Certificates on a pro rata basis (if such Excess Loss is on a Group I-2 Mortgage Loan), to the Class I-A3A Certificates and the Class I-A3B Certificates on a pro rata basis (if such Excess Loss is on a Group I-3 Mortgage Loan) or to the Class I-A4A Certificates and the Class I-A4B Certificates on a pro rata basis (if such Excess Loss is on a Group I-4 Mortgage Loan)
and (ii) the related Group I Subordinate Percentage of the Excess Loss to the Group I Subordinate Certificates on a pro rata basis.

Excess Losses on the Mortgage Loans (other than Class PO Mortgage Loans) in Collateral Pool II will be allocated on any Distribution Date by allocating (i) the related Senior Percentage of the Excess Loss to the Group II Class A Certificates (other than the Class II-A2 Certificates) on a pro rata basis and (ii) the Group II Subordinate Percentage of the Excess Loss to the Group II Subordinate Certificates on a pro rata basis. Excess Losses on the Class PO Mortgage Loans in Collateral Pool II will be allocated to the related Class PO Certificates in an amount equal to the related Class PO Percentage of the Excess Losses and the remainder of the Excess Losses will be allocated by allocating (i) the related Senior Percentage of the remainder of such Excess Loss to the Group II Class A Certificates
(other than the Class II-A2 Certificates) on a pro rata basis and (ii) the Group II Subordinate Percentage of remainder of the Excess Loss to the Group II Subordinate Certificates on a pro rata basis. 

Excess Losses on the Mortgage Loans (other than Class PO Mortgage Loans) in Collateral Pool III will be allocated on any Distribution Date by allocating (i) the related Senior Percentage of the Excess Loss to the Group III Class A Certificates on a pro rata basis and (ii) the Group III Subordinate Percentage of the Excess Loss to the Group III Subordinate Certificates on a pro rata basis. Excess Losses on the Class PO Mortgage Loans in Collateral Pool III will be allocated to the related Class PO Certificates in an amount equal to the related Class PO Percentage of the Excess Losses and the remainder of the Excess Losses will be allocated by allocating (i) the related Senior Percentage of the remainder of such Excess Loss to the Group III Class A Certificates on a pro
rata basis and (ii) the Group III Subordinate Percentage of remainder of the Excess Loss to the Group II Subordinate Certificates on a pro rata basis.

Any Extraordinary Trust Fund Expenses relating to Collateral Pool I will be allocated on any Distribution Date as follows: first, to the Class I-B6 Certificates; second, to the Class I-B5 Certificates; third, to the Class I-B4 Certificates; fourth, to the Class I-B3 Certificates; fifth, to the Class I-B2 Certificates; and sixth, to the Class I-B1 Certificates, in each case until the Certificate Principal Balance of such Class has been reduced to zero. Thereafter, any Extraordinary Trust Fund Expenses relating to Collateral Pool I will be 

 

allocated on any Distribution Date among the Group I Class A Certificates on a pro rata basis. Any Extraordinary Trust Fund Expenses relating to Collateral Pool II will be allocated on any Distribution Date as follows: first, to the Class II-B6 Certificates; second, to the Class II-B5 Certificates; third, to the Class II-B4 Certificates; fourth, to the Class II-B3 Certificates; fifth, to the Class II-B2 Certificates; and sixth, to the Class II-B1 Certificates, in each case until the Certificate Principal Balance of such Class has been reduced to zero. Thereafter, the Extraordinary Trust Fund Expenses relating to Collateral Pool II will be allocated on any Distribution Date amont the Group II Class A Certificates (other than the Class II-A2 Certificates) and the Class II-PO Certificates on a pro rata basis.  Any
Extraordinary Trust Fund Expenses relating to Collateral Pool III will be allocated on any Distribution Date as follows: first, to the Class III-B6 Certificates; second, to the Class III-B5 Certificates; third, to the Class III-B4 Certificates; fourth, to the Class III-B3 Certificates; fifth, to the Class III-B2 Certificates; and sixth, to the Class III-B1 Certificates, in each case until the Certificate Principal Balance of such Class has been reduced to zero. Thereafter, the Extraordinary Trust Fund Expenses relating to Collateral Pool III will be allocated on any Distribution Date among the Group III Class A Certificates  and the Class III-PO Certificates on a pro rata basis.

Notwithstanding the method of allocation of Realized Losses and Extraordinary Fund Expenses above, if any overcollateralization exists when Realized Losses or Extraordinary Trust Fund Expenses are to be allocated, such Realized Losses or Extraordinary Trust Fund Expenses will be allocated first to the overcollateralization, until the overcollateralization is reduced to zero, prior to allocating such Realized Losses or Extraordinary Trust Fund Expenses to the Certificates in accordance with the priorities set forth above.

As used herein, an allocation of a Realized Loss or Extraordinary Trust Fund Expense on a “pro rata basis” among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates on the basis of their then outstanding Certificate Principal Balances prior to giving effect to distributions to be made on such Distribution Date. All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby. Any allocation of a Realized Loss of Extraordinary Trust Fund Expense to a Certificate shall be made by reducing the Certificate Principal Balance thereof by the amount so
allocated as of the Distribution Date following the Prepayment Period in which such Realized Loss was incurred.

(c)        Notwithstanding anything to the contrary herein, in no event shall the Certificate Principal Balance of a Class A Certificate be reduced more than once in respect of any particular amount both (i) allocable to such Certificate in respect of Realized Losses or Extraordinary Trust Fund Expenses pursuant to Section 4.04 and (ii) payable to the Holder of such Certificate pursuant to Section 4.01(a) as a portion of the Senior Principal Distribution Amount.

	
            SECTION 4.05
 	
            Compliance with Withholding Requirements.
 

Notwithstanding any other provision of this Agreement, the Paying Agent shall comply with all federal withholding requirements respecting payments to Certificateholders of interest or original issue discount that the Paying Agent reasonably believes are applicable under the Code. The consent of Certificateholders shall not be required for such withholding. In the event the Paying Agent does withhold any amount from interest or original issue discount payments or advances thereof to any Certificateholder pursuant to federal withholding requirements, the Paying Agent shall indicate the amount withheld to such Certificateholders.

 

 

 

	
            SECTION 4.06
 	
            Commission Reporting.
 

The Depositor shall prepare or cause to be prepared the initial current report on Form 8-K. Within 15 days after each Distribution Date, the Trust Administrator shall, in accordance with industry standards, file with the Commission via the Electronic Data Gathering and Retrieval System (“EDGAR”), a Form 8-K with a copy of the statement to be furnished to the Certificateholders for such Distribution Date as an exhibit thereto. Prior to January 30, 2006, the Trust Administrator shall, in accordance with industry standards, file a Form 15 Suspension Notice with respect to the Trust Fund, if applicable. Prior to (i) March 31, 2006 and (ii) unless and until a Form 15 Suspension Notice shall have been filed, March 31st of each year thereafter, the Trust Administrator, in its capacity as trust administrator hereunder, shall execute and file a Form 10-K, in substance conforming to
industry standards, with respect to the Trust. Such Form 10-K shall include the Master Servicer Certification, the annual independent accountant’s servicing report and annual statement of compliance to be delivered by the Master Servicer pursuant to Sections 3.20 and 3.21. The Depositor hereby grants to the Trust Administrator a limited power of attorney to execute and file the Forms 8-K and the Form 10-K on behalf of the Depositor. Such power of attorney shall continue until either the earlier of (i) receipt by the Trust Administrator from the Depositor of written termination of such power of attorney and (ii) the termination of the Trust Fund. The Depositor agrees to promptly furnish to the Trust Administrator and the Master Servicer, from time to time upon request, such further information, reports and financial statements within its control related to this Agreement or the Mortgage Loans as the Trust Administrator or the Master Servicer reasonably deems appropriate to prepare
and file all necessary reports with the Commission. Neither the Trust Administrator nor the Master Servicer shall have any responsibility to file any items other than those specified in this Section 4.06; provided, however, the Trust Administrator and the Master Servicer will cooperate with the Depositor in connection with any additional filings with respect to the Trust Fund as the Depositor deems necessary under the Securities Exchange Act of 1934, as amended (the “Exchange Act”). Fees and expenses incurred by the Trust Administrator or the Master Servicer in connection with this Section 4.06 shall not be reimbursable from the Trust Fund.

	
            SECTION 4.07
 	
            Distributions and Allocations of Realized Losses on the REMIC Regular Interests.
 

With respect to the Group I Mortgage Loans

 

(a)        Interest shall be payable to the REMIC I-A Regular Interests at the REMIC I-A Remittance Rate for each such REMIC I-A Regular Interest on the related Uncertificated Balance.

(b)        Distributions of principal shall be deemed to be made from amounts received on the Group I Mortgage Loans to the REMIC I-A Regular Interests, first, so as to keep the Uncertificated Balance of each REMIC I-A Regular Interest ending with the designation “B” equal to 1.0% of the aggregate Scheduled Principal Balance of the Mortgage Loans in the related Loan Group; second, to each REMIC I-A Regular Interest ending with the designation “A,” so that the Uncertificated Balance of each such REMIC I-A Regular Interest is equal to 1.0% of the excess of (x) the aggregate Scheduled Principal Balance of the Mortgage Loans in the related Loan Group over (y) the Certificate Principal Balance of the related Senior Certificates (except that if any such excess is a larger number than in the preceding distribution period, the least
amount of principal shall be distributed to such REMIC I-A Regular Interests such that the REMIC I-A Subordinated Balance Ratio is maintained); and third, any remaining principal to REMIC I-A Regular Interest LT-ZZZ.

 

 

(c)        On each Distribution Date, 100% of the amount paid in respect of Prepayment Charges on the Group I Mortgage Loans shall be paid to REMIC I-A Regular Interest LT-P and on the Distribution Date immediately following the expiration of the latest Prepayment Charge on a Group I Mortgage Loan, as identified on the Prepayment Charge Schedule or any Distribution Date thereafter, $100 shall be distributed to REMIC I-A Regular Interest LT-P pursuant to this clause. 

(d)        Realized Losses on the Group I Mortgage Loans shall be applied after all distributions have been made on each Distribution Date first, so as to keep the Uncertificated Balance of each REMIC I-A Regular Interest ending with the designation “B” equal to 1.0% of the aggregate Scheduled Principal Balance of the Mortgage Loans in the related Loan Group; second, to each REMIC I-A Regular Interest ending with the designation “A,” so that the Uncertificated Principal Balance of each such REMIC I-A Regular Interest is equal to 1.0% of the excess of (x) the aggregate Scheduled Principal Balance of the Mortgage Loans in the related Loan Group over (y) the Certificate Principal Balance of the related Senior Certificates (except that if any such excess is a larger number than in the preceding distribution period, the least amount of
Realized Losses shall be applied to such REMIC I-A Regular Interests such that the REMIC I-A Subordinated Balance Ratio is maintained); and third, any remaining Realized Losses on the Mortgage Loans shall be allocated to REMIC I-A Regular Interest LT-ZZZ. Interest shall be payable to the REMIC I-A Regular Interests at the REMIC I-A Remittance Rate for each such REMIC I-A Regular Interest on the related Uncertificated Balance.

With respect to the Group II Mortgage Loans

 

(a)        Interest shall be payable to the REMIC II-A Regular Interests (other than REMIC II-A Regular Interest LT-PO) at the REMIC II-A Remittance Rate for each such REMIC II-A Regular Interest on the related Uncertificated Balance.

(b)        Distributions of principal shall be deemed to be made to the REMIC II-A Regular Interests in the same manner and priority as such distributions are made to the Corresponding Certificates.

(c)        Realized Losses on the Group II Mortgage Loans shall be applied to the REMIC II-A Regular Interests in the same manner and priority as such Realized Losses are applied to the Corresponding Certificates.

 

 

ARTICLE V

 

THE CERTIFICATES

	
            SECTION 5.01
 	
            The Certificates.
 

(a)        The Certificates in the aggregate will represent the entire beneficial ownership interest in the Mortgage Loans and all other assets included in the Trust Fund. At the Closing Date, the aggregate Certificate Principal Balance of the Certificates will equal the aggregate Stated Principal Balance of the Mortgage Loans.

The Certificates will be substantially in the forms annexed hereto as Exhibits A-1 through A-41. The Certificates of each Class will be issuable in registered form only, in denominations of authorized Percentage Interests as described in the definition thereof. Each Certificate will share ratably in all rights of the related Class.

Upon original issue, the Certificates shall be executed by the Paying Agent and delivered by the Authenticating Agent to or upon the order of the Depositor. The Certificates shall be executed and attested by manual or facsimile signature on behalf of the Paying Agent by an authorized signatory. Certificates bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Paying Agent  shall bind the Paying Agent, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the execution, authentication and delivery of such Certificates or did not hold such offices at the date of such Certificates. No Certificate shall be entitled to any benefit under this Agreement or be valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially in the form provided herein executed
by the Authenticating Agent by manual signature, and such certificate of authentication shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication.

(b)        The Book-Entry Certificates shall initially be issued as one or more Certificates held by Book-Entry Custodian or, if appointed to hold such Certificates as provided below, the Depository and registered in the name of the Depository or its nominee and, except as provided below, registration of such Certificates may not be transferred by the Certificate Registrar except to another Depository that agrees to hold such Certificates for the respective Certificate Owners with Ownership Interests therein. The Certificate Owners shall hold their respective Ownership Interests in and to such Certificates through the book-entry facilities of the Depository and, except as provided below, shall not be entitled to definitive, fully registered Certificates (“Definitive Certificates”) in respect of such Ownership Interests. All transfers by
Certificate Owners of their respective Ownership Interests in the Book- Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owner. Each Depository Participant shall only transfer the Ownership Interests in the Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository’s normal procedures. The Paying Agent is hereby initially appointed as the Book-Entry Custodian and hereby agrees to act as such in accordance herewith and in accordance with the agreement that it has with the Depository authorizing it to act as such. The Book-Entry Custodian may, and if it is no longer qualified to act as such, the Book-Entry Custodian shall, appoint, by a written instrument delivered to the Depositor, the Master Servicer and the Trust Administrator and any other transfer agent (including the Depository or any
successor Depository) to act as Book-Entry Custodian under such conditions as the predecessor Book-Entry Custodian and the Depository or any successor Depository may prescribe, provided that the predecessor Book-Entry Custodian 

 

shall not be relieved of any of its duties or responsibilities by reason of any such appointment of other than the Depository. If the Paying Agent resigns or is removed in accordance with the terms hereof, the successor Paying Agent or, if it so elects, the Depository shall immediately succeed to its predecessor’s duties as Book-Entry Custodian. The Depositor shall have the right to inspect, and to obtain copies of, any Certificates held as Book-Entry Certificates by the Book-Entry Custodian.

The Trustee, the Trust Administrator, the Master Servicer, the Paying Agent, the Authenticating Agent, the Certificate Registrar and the Depositor may for all purposes (including the making of payments due on the Book-Entry Certificates) deal with the Depository as the authorized representative of the Certificate Owners with respect to the Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder. The rights of Certificate Owners with respect to the Book-Entry Certificates shall be limited to those established by law and agreements between such Certificate Owners and the Depository Participants and brokerage firms representing such Certificate Owners. Multiple requests and directions from, and votes of, the Depository as Holder of the Book-Entry Certificates with respect to any particular matter shall not be deemed inconsistent if they are made with
respect to different Certificate Owners. The Paying Agent may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and shall give notice to the Depository of such record date.

If (i)(A) the Depositor advises the Trust Administrator, the Paying Agent and the Certificate Registrar in writing that the Depository is no longer willing or able to properly discharge its responsibilities as Depository, and (B) the Depositor is unable to locate a qualified successor or (ii) after the occurrence of a Master Servicer Event of Default, Certificate Owners representing in the aggregate not less than 51% of the Ownership Interests of the Book-Entry Certificates advise the Trust Administrator, the Paying Agent and the Certificate Registrar through the Depository, in writing, that the continuation of a book-entry system through the Depository is no longer in the best interests of the Certificate Owners, the Certificate Registrar shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of Definitive Certificates to
Certificate Owners requesting the same. Upon surrender to the Certificate Registrar of the Book- Entry Certificates by the Book-Entry Custodian or the Depository, as applicable, accompanied by registration instructions from the Depository for registration of transfer, the Paying Agent shall issue the Definitive Certificates. Such Definitive Certificates will be issued in minimum denominations of $100,000, except that any beneficial ownership that was represented by a Book-Entry Certificate in an amount less than $100,000 immediately prior to the issuance of a Definitive Certificate shall be issued in a minimum denomination equal to the amount represented by such Book-Entry Certificate. None of the Depositor, the Master Servicer, the Trust Administrator, the Authenticating Agent, the Paying Agent, the Certificate Registrar nor the Trustee shall be liable for any delay in the delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such
instructions. Upon the issuance of Definitive Certificates all references herein to obligations imposed upon or to be performed by the Depository shall be deemed to be imposed upon and performed by the Certificate Registrar and the Paying Agent, to the extent applicable with respect to such Definitive Certificates, and the Certificate Registrar and the Paying Agent shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. 

	
            SECTION 5.02
 	
            Registration of Transfer and Exchange of Certificates.
 

(a)        The Certificate Registrar shall cause to be kept at one of the offices or agencies to be appointed by the Trust Administrator in accordance with the provisions of Section 8.12 a Certificate Register for the Certificates in which, subject to such reasonable regulations as it may prescribe, the Certificate Registrar 

 

shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided.

(b)        No transfer of any Private Certificate or Ownership Interest therein shall be made unless that transfer is made pursuant to an effective registration statement under the Securities Act of 1933, as amended (the “1933 Act”), and an effective registration or qualification under applicable state securities laws, or is made in a transaction that does not require such registration or qualification. In the event that such a transfer of a Private Certificate is to be made without registration or qualification (other than in connection with the initial transfer of any such Certificate by the Depositor to an affiliate of the Depositor), the Certificate Registrar shall require, receipt of written certifications from the Certificateholder desiring to effect the transfer and from such Certificateholder’s prospective transferee,
substantially in the forms attached hereto as Exhibit F-1, or in the case of any Definitive Certificate, an opinion of Counsel satisfactory to it that such transfer may be made without such registration (which Opinion of Counsel shall not be an expense of the Trust Fund or of the Depositor, the  Trustee, the Trust Administrator, the Certificate Registrar, the Authenticating Agent , the Paying Agent, the Master Servicer in its capacity as such or any Sub-Servicer), together with copies of the written certification(s) of the Certificateholder desiring to effect the transfer and/or such Certificateholder’s prospective transferee upon which such Opinion of Counsel is based, if any.   In the event of any such transfer of any Ownership Interest in any Private Certificate that is a Book-Entry Certificate, except with respect to the initial transfer of any such Certificate by the Depositor, such transfer shall be required to be made in reliance upon Rule 144A under the 1933 Act, and the
transferor will be deemed to have made each of the representations and warranties set forth on Exhibit F-1 hereto in respect of such interest as if it was evidenced by a Definitive Certificate and the transferee will be deemed to have made each of the representations and warranties set forth on Exhibit F-1 hereto in respect of such interest as if it was evidenced by a Definitive Certificate.  None of the Depositor or the Trustee is obligated to register or qualify any such Certificates under the 1933 Act or any other securities laws or to take any action not otherwise required under this Agreement to permit the transfer of such Certificates without registration or qualification. Any Certificateholder desiring to effect the transfer of any such Certificate or Ownership Interest therein shall, and does hereby agree to, indemnify the Trustee, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent, the Master Servicer and the Depositor against any
liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. 

(c)        (i) No transfer of a Residual Certificate or any interest therein shall be made to any Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person acquiring such Certificates with “Plan Assets” of a Plan within the meaning of the DOL Regulations (“Plan Assets”) as certified by such transferee in the form of Exhibit G, unless the Certificate Registrar is provided with an Opinion of Counsel on which the Certificate Registrar, the Depositor, the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent and the Master Servicer may rely, to the effect that the purchase and holding of such Certificates will be permissible under applicable law, ERISA and the Code, will not constitute or result in any non-exempt prohibited transaction
under ERISA or Section 4975 of the Code and will not subject the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar or the Trust Fund to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar or the Trust Fund. In lieu of such Opinion of Counsel, any prospective Transferee of such Certificates may provide a certification in the form of Exhibit G to this Agreement (or other form acceptable to the Depositor, the Trustee, 

 

the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer), which the Certificate Registrar may rely upon without further inquiry or investigation. Neither a certification nor an Opinion of Counsel will be required in connection with the initial transfer of any such Certificate by the Depositor to an Affiliate of the Depositor (in which case, the Depositor or any Affiliate thereof shall have deemed to have represented that such Affiliate is not a Plan or a Person investing Plan Assets) and the Certificate Registrar shall be entitled to conclusively rely upon a representation (which, upon the request of the Certificate Registrar, shall be a written representation) from the Depositor of the status of such transferee as an affiliate of the Depositor. 

(ii)       Each beneficial owner of a Private Certificate, Class I-B1 Certificate, Class I-B2 Certificate, Class I-B3 Certificate, Class II-B1 Certificate, Class II-B2 Certificate, Class II-B3 Certificate, Class III-B1 Certificate, Class III-B2 Certificate or Class III-B3 Certificate or any interest therein shall be deemed to have represented, by virtue of its acquisition and holding of such Certificate or interest therein, that either (A) it is not a Plan or investing with Plan Assets, (B) other than with respect to a Private Certificate, it has acquired and is holding such Certificate in reliance on the Underwriter’s Exemption granted by the Department of Labor on April 18, 1991 as Prohibited Transaction Exemption (“PTE”) 91-23 at 56 F.R. 15936 and amended on July 21, 1997 as PTE 97-34 at 62 F.R. 39021 and further amended on November
13, 2000 by PTE 2000-58 at 65 F.R. 67765 and on August 22, 2002 by PTE 2001-41 at 67 F.R. 54487 (“Underwriter’s Exemption”), and that it understands that there are certain conditions to the availability of the Underwriter’s Exemption, including that the certificate must be rated, at the time of purchase, not lower than “BBB-” (or its equivalent) by Fitch, Moody’s or S&P, or (C) (i) it is an insurance company, (ii) the source of funds used to acquire or hold the Certificate or interest therein is an “insurance company general account,” as defined in Prohibited Transaction Class Exemption (“PTCE”) 95-60, and (iii) the conditions in Sections I and III of PTCE 95-60 have been satisfied.

 

(iii) If any Certificate or any interest therein is acquired or held in violation of the provisions of the preceding two paragraphs, the next preceding permitted beneficial owner will be treated as the beneficial owner of that Certificate retroactive to the date of transfer to the purported beneficial owner. Any purported beneficial owner whose acquisition or holding of any such Certificate or interest therein was effected in violation of the provisions of the preceding paragraph shall indemnify and hold harmless the Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by those parties as a result of that acquisition or holding.

(d)        (i)  Each Person who has or who acquires any Ownership Interest in a Residual Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably authorized the Paying Agent or its designee under clause (iii)(A) below to deliver payments to a Person other than such Person and to negotiate the terms of any mandatory sale under clause (iii)(B) below and to execute all instruments of Transfer and to do all other things necessary in connection with any such sale. The rights of each Person acquiring any Ownership Interest in a Residual Certificate are expressly subject to the following provisions:

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

(B)        In connection with any proposed Transfer of any Ownership Interest in a Residual Certificate, the Certificate Registrar shall require delivery to it and shall not register the Transfer 

 

of any Residual Certificate until its receipt of an affidavit and agreement (a “Transfer Affidavit and Agreement”), in the form attached hereto as Exhibit F-2, from the proposed Transferee, in form and substance satisfactory to the Certificate Registrar, representing and warranting, among other things, that such Transferee is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Residual Certificate that is the subject of the proposed Transfer as a nominee, trustee or agent for any Person that is not a Permitted Transferee, that for so long as it retains its Ownership  Interest in a Residual Certificate, it will endeavor to remain a Permitted Transferee, and that it has reviewed the provisions of this Section 5.02(d) and agrees to be bound by them.

(C)       Notwithstanding the delivery of a Transfer Affidavit and Agreement by a proposed Transferee under clause (B) above, if a Responsible Officer of the Certificate Registrar who is assigned to this transaction has actual knowledge that the proposed Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest in a  Residual Certificate to such proposed Transferee shall be effected.

(D)       Each Person holding or acquiring any Ownership Interest in a Residual Certificate shall agree (x) to require a Transfer Affidavit and Agreement from any other Person to whom such Person attempts to transfer its Ownership Interest in a Residual Certificate and (y) not to transfer its Ownership Interest unless it provides a transferor affidavit (a “Transferor Affidavit”), in the form attached hereto as Exhibit F-2, to the Certificate Registrar stating that, among other things, it has no actual  knowledge that such other Person is not a Permitted Transferee.

(E)        Each Person holding or acquiring an Ownership Interest in a Residual Certificate, by purchasing an Ownership Interest in such Certificate, agrees to give  the Certificate Registrar written notice that it is a “pass-through interest holder” within the meaning of temporary Treasury regulation Section 1.67- 3T(a)(2)(i)(A) immediately upon acquiring an Ownership Interest in a Residual Certificate, if it is, or is holding an Ownership Interest in a Residual Certificate on behalf of, a “pass-through interest holder.”

(ii)         The Certificate Registrar will register the Transfer of any Residual Certificate only if it shall have received the Transfer Affidavit and Agreement and all of such other documents as shall have been reasonably required by the Certificate Registrar as a condition to such registration. In addition, no Transfer of a Residual Certificate shall be made unless the Certificate Registrar shall have received a representation letter from the Transferee of such Certificate to the effect that such Transferee is a Permitted Transferee.

(iii)        (A)  If any purported Transferee shall become a Holder of a Residual Certificate in violation of the provisions of this Section 5.02(d), then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights as Holder thereof retroactive to the date of registration of such Transfer of such Residual Certificate. The Certificate Registrar shall be under no liability to any Person for any registration of Transfer of a Residual Certificate that is in fact not permitted by this Section 5.02(d) or for making any payments due on such Certificate to the Holder thereof or for taking any other action with respect to such Holder under the provisions of this Agreement.

(B)        If any purported Transferee shall become a Holder of a Residual Certificate in violation of the restrictions in this Section 5.02(d) and to the extent that the retroactive 

 

restoration of the rights of the Holder of such Residual Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the Certificate Registrar shall have the right, without notice to the Holder or any prior Holder of such Residual Certificate, to sell such Residual Certificate to a purchaser selected by the Certificate Registrar on such terms as the Certificate Registrar may choose. Such purported Transferee shall promptly endorse and deliver each Residual Certificate in accordance with the instructions of the Certificate Registrar. Such purchaser may be the Certificate Registrar itself or any Affiliate of the Certificate Registrar. The proceeds of such sale, net of the commissions (which may include  commissions payable to the Certificate Registrar or its Affiliates), expenses and taxes due, if any, will be remitted by the Certificate Registrar to
such purported Transferee. The terms and conditions of any sale under this clause (iii)(B) shall be determined in the sole discretion of the Certificate Registrar, and the Certificate Registrar shall not be liable to any Person having an Ownership Interest in a Residual Certificate as a result of its exercise of such discretion.

(iv)        The Trust Administrator and the Certificate Registrar shall make available to the Internal Revenue Service and those Persons specified by the REMIC Provisions all information necessary to compute any tax imposed (A) as a result of the Transfer of an Ownership Interest in a Residual Certificate to any Person who is a Disqualified Organization, including the information described in Treasury regulations sections 1.860D-1(b)(5) and 1.860E-2(a)(5) with respect to the “excess inclusions” of such Residual Certificate and (B) as a result of any regulated investment company, real estate investment trust, common trust fund, partnership, trust, estate or organization described in Section 1381 of the Code that holds an Ownership Interest in a Residual Certificate having as among its record holders at any time any Person
which is a Disqualified Organization. Reasonable compensation for providing such information may be accepted by the Trust Administrator and the Certificate Registrar.

(v)        The provisions of this Section 5.02(d) set forth prior to this subsection (v) may be modified, added to or eliminated, provided that there shall have been delivered to the Trust Administrator and the Certificate Registrar at the expense of the party seeking to modify, add to or eliminate any such provision the following:

(A)       written notification from the Rating Agencies to the effect that the modification, addition to or elimination of such provisions will not cause the Rating  Agencies to downgrade its then-current ratings of any Class of Certificates; and

(B)        an Opinion of Counsel, in form and substance satisfactory to the Certificate Registrar and the Trust Administrator, to the effect that such modification of, addition to or elimination of such provisions will not cause any Trust REMIC to cease to qualify as a REMIC and will not cause (x) any Trust REMIC to be subject to an entity-level tax caused by the Transfer of any Residual Certificate to a Person that is not a Permitted Transferee or (y) a Person other than the prospective transferee to be subject to a REMIC-tax caused by the Transfer of a Residual Certificate to a Person that is not a Permitted Transferee.

(e)        Subject to the preceding subsections, upon surrender for registration of transfer of any Certificate at any office or agency of the Certificate Registrar maintained for such purpose pursuant to Section 8.12, the Certificate Registrar shall give notice of such surrender to the Paying Agent and the Authenticating Agent. Upon receipt of such notice, the Paying Agent shall execute and the Authenticating Agent shall 

 

authenticate and deliver, in the name of the designated Transferee or Transferees, one or more new Certificates of the same Class of a like aggregate Percentage Interest.

(f)         At the option of the Holder thereof, any Certificate may be exchanged for other Certificates of the same Class with authorized denominations and a like aggregate Percentage Interest, upon surrender of such Certificate to be exchanged at any office or agency of the Certificate Registrar maintained for such purpose pursuant to Section 8.12. Whenever any Certificates are so surrendered for exchange, upon notice from the Certificate Registrar, the Paying Agent shall execute, and the Authenticating Agent shall authenticate and deliver, the Certificates which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for transfer or exchange shall (if so required by the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in the form satisfactory
to the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing.

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

(h)        All Certificates surrendered for transfer and exchange shall be canceled and destroyed by the Certificate Registrar in accordance with its customary procedures.

	
            SECTION 5.03
 	
            Mutilated, Destroyed, Lost or Stolen Certificates.
 

If (i) any mutilated Certificate is surrendered to the Certificate Registrar, or the Certificate Registrar receive evidence to its satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Certificate Registrar, the Trustee and the Trust Administrator such security or indemnity as may be required by them to save each of them harmless, then, in the absence of actual knowledge by the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Paying Agent shall execute, and the Authenticating Agent shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of the same Class and of like denomination and Percentage Interest. Upon the issuance of any new Certificate under this Section, the Certificate Registrar may require the payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Certificate Registrar) connected therewith. Any replacement Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the applicable REMIC created hereunder, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time.

	
            SECTION 5.04
 	
            Persons Deemed Owners.
 

The Depositor, the Master Servicer, the Trustee, the Trust Administrator, the Certificate Registrar, the Authenticating Agent, the Paying Agent and any agent of any of them may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.01 and for all other purposes whatsoever, and none of the Depositor, the Master Servicer, the Trustee, the Trust Administrator,  the Certificate Registrar, the Authenticating Agent, the Paying Agent or any agent of any of them shall be affected by notice to the contrary.

 

 

	
            SECTION 5.05
 	
            Certain Available Information.
 

The Paying Agent shall maintain at its Corporate Trust Office and shall make available free of charge during normal business hours for review by any Holder of a Certificate or any Person identified to the Paying Agent as a prospective transferee of a Certificate, originals or copies of the following items: (A) this Agreement and any amendments hereof entered into pursuant to Section 11.01, (B) all monthly statements required to be delivered to Certificateholders of the relevant Class pursuant to Section 4.02 since the Closing Date, and all other notices, reports, statements and written communications delivered to the Certificateholders of the relevant Class pursuant to this Agreement since the Closing Date, (C) all certifications delivered by a Responsible Officer of the Trust Administrator since the Closing Date pursuant to Section 10.01(h), (D) any and all Officers’ Certificates
delivered to the Trust Administrator or the Paying Agent by the Master Servicer since the Closing Date to evidence the Master Servicer’s determination that any P&I Advance was, or if made, would be a Nonrecoverable P&I Advance and (E) any and all Officers’ Certificates delivered to the Trust Administrator or the Paying Agent by the Master Servicer since the Closing Date pursuant to Section 4.04(a). Copies and mailing of any and all of the foregoing items will be available from the Paying Agent upon request at the expense of the person requesting the same.

 

 

ARTICLE VI

 

THE DEPOSITOR AND THE MASTER SERVICER

	
            SECTION 6.01
 	
            Liability of the Depositor and the Master Servicer.
 

The Depositor and the Master Servicer each shall be liable in accordance herewith only to the extent of the obligations specifically imposed by this Agreement and undertaken hereunder by the Depositor and the Master Servicer herein.

	
            SECTION 6.02
 	
            Merger or Consolidation of the Depositor or the Master Servicer.
 

Subject to the following paragraph, the Depositor will keep in full effect its existence, rights and franchises as a corporation under the laws of the jurisdiction of its incorporation. Subject to the following paragraph, the Master Servicer will keep in full effect its existence, rights and franchises as a corporation under the laws of the jurisdiction of its incorporation and its qualification as an approved conventional seller/servicer for Fannie Mae or Freddie Mac in good standing. The Depositor and the Master Servicer each will obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Certificates or any of the Mortgage Loans and to perform its respective duties under this Agreement.

The Depositor or the Master Servicer may be merged or consolidated with or into any Person, or transfer all or substantially all of its assets to any Person, in which case any Person resulting from any merger or consolidation to which the Depositor or the Master Servicer shall be a party, or any Person succeeding to the business of the Depositor or the Master Servicer, shall be the successor of the Depositor or the Master Servicer, as the case may be, hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or surviving Person to the Master Servicer shall be qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac; and provided further that the Rating Agencies’ ratings of the Certificates rated thereby and in effect
immediately prior to such merger or consolidation will not be qualified, reduced or withdrawn as a result thereof (as evidenced by a letter to such effect from the Rating Agencies).

	
            SECTION 6.03
 	
            Limitation on Liability of the Depositor, the Master Servicer and Others.
 

None of the Depositor, the Master Servicer or any of the directors, officers, employees or agents of the Depositor or the Master Servicer shall be under any liability to the Trust Fund or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Depositor, the Master Servicer or any such person against any breach of warranties, representations or covenants made herein, or against any specific liability imposed on the Master Servicer pursuant hereto, or against any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder. The Depositor, the Master Servicer and any director, officer,
employee or agent of the Depositor or the Master Servicer may rely in good faith on any document of any kind which, PRIMA FACIE, is properly executed and submitted by any Person respecting any matters arising hereunder. The Depositor, the Master Servicer and any director, officer, employee or agent of the Depositor or the Master Servicer shall be indemnified and held harmless by the Trust Fund against any loss, liability or expense incurred in connection with any legal action relating to this 

 

Agreement or the Certificates, other than any loss, liability or expense to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) or any loss, liability or expense incurred by reason of willful misfeasance, bad faith or negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder. Neither the Depositor nor the Master Servicer shall be under any obligation to appear in, prosecute or defend any legal action unless such action is related to its respective duties under this Agreement and, in its opinion, does not involve it in any expense or liability; provided, however, that each of the Depositor and the Master Servicer may in its discretion undertake any such action which it may deem necessary or desirable with respect to this Agreement and the rights
and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, unless the Depositor or the Master Servicer acts without the consent of Holders of Certificates entitled to at least 51% of the Voting Rights (which consent shall not be necessary in the case of litigation or other legal action by either to enforce their respective rights or defend themselves hereunder), the legal expenses and costs of such action and any liability resulting therefrom (except any loss, liability or expense incurred by reason of willful misfeasance, bad faith or negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder) shall be expenses, costs and liabilities of the Trust Fund, and the Depositor (subject to the limitations set forth above) and the Master Servicer shall be entitled to be reimbursed therefor from the Collection Account as and to the extent provided in Section 3.11, any such right of
reimbursement being prior to the rights of the Certificateholders to receive any amount in the Collection Account.

	
            SECTION 6.04
 	
            Limitation on Resignation of the Master Servicer.
 

The Master Servicer shall not resign from the obligations and duties hereby imposed on it except (i) upon determination that its duties hereunder are no longer permissible under applicable law or (ii) with the written consent of the Trustee and the Trust Administrator, which consent may not be unreasonably withheld, with written confirmation from the Rating Agencies (which confirmation shall be furnished to the Depositor, the Trustee and the Trust Administrator) that such resignation will not cause the Rating Agencies to reduce the then current rating of the Class A Certificates and provided that a qualified successor has agreed to assume the duties and obligations of the Master Servicer hereunder. Any such determination pursuant to clause (i) of the preceding sentence permitting the resignation of the Master Servicer shall be evidenced by an Opinion of Counsel to such effect obtained at
the expense of the Master Servicer and delivered to the Trustee and the Trust Administrator. No resignation of the Master Servicer shall become effective until the Trustee or a successor servicer shall have assumed the Master Servicer’s responsibilities, duties, liabilities (other than those liabilities arising prior to the appointment of such successor) and obligations under this Agreement.

Except as expressly provided herein, the Master Servicer shall not assign nor transfer any of its rights, benefits or privileges hereunder to any other Person, nor delegate to or subcontract with, nor authorize or appoint any other Person to perform any of the duties, covenants or obligations to be performed by the Master Servicer hereunder. If, pursuant to any provision hereof, the duties of the Master Servicer are transferred to a successor master servicer, the entire amount of the Servicing Fee, the Administration Fee and other compensation payable to the Master Servicer pursuant hereto shall thereafter be payable to such successor master servicer.

	
            SECTION 6.05
 	
            Rights of the Depositor in Respect of the Master Servicer.
 

The Master Servicer shall afford (and any Sub-Servicing Agreement shall provide that each Sub-Servicer shall afford) the Depositor, the Trustee and the Trust Administrator, upon reasonable notice, during 

 

normal business hours, access to all records maintained by the Master Servicer (and any such Sub-Servicer) in respect of the Master Servicer’s rights and obligations hereunder and access to officers of the Master Servicer (and those of any such Sub-Servicer) responsible for such obligations. Upon request, the Master Servicer shall furnish to the Depositor, the Trustee and the Trust Administrator its (and any such Sub-Servicer’s) most recent financial statements of the parent company of the Master Servicer and such other information relating to the Master Servicer’s capacity to perform its obligations under this Agreement that it possesses. Notwithstanding the foregoing, in the case of the Initial Sub-Servicer, such access and information described in the preceding two sentences shall be required to be provided only to the extent provided in the Sub-Servicing Agreement. To the extent such
information is not otherwise available to the public, the Depositor, the Trustee and the Trust Administrator shall not disseminate any information obtained pursuant to the preceding two sentences without the Master Servicer’s written consent, except as required pursuant to this Agreement or to the extent that it is appropriate to do so (i) in working with legal counsel, auditors, taxing authorities or other governmental agencies, rating agencies or reinsurers or (ii) pursuant to any law, rule, regulation, order, judgment, writ, injunction or decree of any court or governmental authority having jurisdiction over the Depositor, the Trustee, the Trust Administrator or the Trust Fund, and in either case, the Depositor, the Trustee or the Trust Administrator, as the case may be, shall use its best efforts to assure the confidentiality of any such disseminated non-public information. The Depositor may, but is not obligated to, enforce the obligations of the Master Servicer under this
Agreement and may, but is not obligated to, perform, or cause a designee to perform, any defaulted obligation of the Master Servicer under this Agreement or exercise the rights of the Master Servicer under this Agreement; provided that the Master Servicer shall not be relieved of any of its obligations under this Agreement by virtue of such performance by the Depositor or its designee. The Depositor shall not have any responsibility or liability for any action or failure to act by the Master Servicer and is not obligated to supervise the performance of the Master Servicer under this Agreement or otherwise.

 

 

ARTICLE VII

 

DEFAULT

	
            SECTION 7.01
 	
            Master Servicer Events of Default.
 

“Master Servicer Event of Default,” wherever used herein, means any one of the following events:

(i)         any failure by the Master Servicer to remit to the Paying Agent for distribution to the Certificateholders any payment (other than a P&I Advance required to be made from its own funds on any Master Servicer Remittance Date pursuant to Section 4.03) required to be made under the terms of the Certificates and this Agreement which continues unremedied for a period of one Business  Day after the date upon which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer (with a copy to the Paying Agent ) by the Depositor, the Trust Administrator or the Trustee (in which case notice shall be provided by telecopy), or to the Master Servicer, the Depositor, the Trust Administrator, the Paying Agent and the Trustee by the Holders of Certificates entitled to at least
25% of the Voting Rights; or

(ii)         any failure on the part of the Master Servicer duly to observe or perform in any material respect any of the covenants or agreements on the part of the Master Servicer contained in the Certificates or in this Agreement which continues unremedied for a period of 30 days after the earlier of (i) the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Depositor, the Trust Administrator or the Trustee, or to the  Master Servicer, the Depositor, the Trust Administrator and the Trustee by the Holders of Certificates entitled to at least 25% of the Voting Rights and (ii) actual knowledge of such failure by a Servicing Officer of the Master Servicer; or

(iii)        a decree or order of a court or agency or supervisory  authority having jurisdiction in the premises in an involuntary case under any present or future federal or state bankruptcy, insolvency or similar law or the appointment of a conservator or  receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceeding, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer and if such proceeding is being contested by the Master Servicer in good faith such decree or order shall have remained in force undischarged or unstayed for a period of 60 consecutive days or results in the entry of an order for relief or any such adjudication or appointment; or

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

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

 

 

(vi)        any failure of the Master Servicer to make, or of the Paying Agent to make on behalf of the Master Servicer, any P&I Advance on any Master Servicer Remittance Date required to be made from its own funds pursuant to Section 4.03.

If a Master Servicer Event of Default described in clauses (i) through (v) of this Section shall occur, then, and in each and every such case, so long as such Master Servicer Event of Default shall not have been remedied, the Depositor or the Trustee may, and at the written direction of the Holders of Certificates entitled to at least 51% of Voting Rights, the Trustee shall, by notice in writing to the Master Servicer (and to the Depositor if given by the Trustee or to the Trustee if given by the Depositor), terminate all of the rights and obligations of the Master Servicer in its capacity as a Master Servicer under this Agreement, to the extent permitted by law, and in and to the Mortgage Loans and the proceeds thereof. If a Master Servicer Event of Default described in clause (vi) hereof shall occur and shall not have been remedied by 1:00 p.m. on the related Distribution Date, the
Paying Agent shall notify the Trustee of the same, and the Trustee shall be obligated to make such P&I Advance and, then so long as such Master Servicer Event of Default shall not have been remedied during the applicable time period set forth in clause (vi) above (including the reimbursement to the Trustee by the Master Servicer, with interest thereon at the Prime Rate, for any P&I Advance made), the Trustee shall, by notice in writing to the Master Servicer and the Depositor, terminate all of the rights and obligations of the Master Servicer in its capacity as a Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof. On or after the receipt by the Master Servicer of such written notice, all authority and power of the Master Servicer under this Agreement, whether with respect to the Certificates (other than as a Holder of any Certificate) or the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and under
this Section and, without limitation, the Trustee is hereby authorized and empowered, as attorney-in-fact or otherwise, to execute and deliver on behalf of and at the expense of the Master Servicer, any and all documents and other instruments and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents, or otherwise. The Master Servicer agrees, at its sole cost and expense, promptly (and in any event no later than ten Business Days subsequent to such notice) to provide the Trustee with all documents and records requested by it to enable it to assume the Master Servicer’s functions under this Agreement, and to cooperate with the Trustee in effecting the termination of the Master Servicer’s responsibilities and rights under this Agreement, including, without limitation, the transfer within one Business Day
to the Trustee for administration by it of all cash amounts which at the time shall be or should have been credited by the Master Servicer to the Collection Account held by or on behalf of the Master Servicer, the Distribution Account or any REO Account or Servicing Account held by or on behalf of the Master Servicer or thereafter be received with respect to the Mortgage Loans or any REO Property serviced by the Master Servicer (provided, however, that the Master Servicer shall continue to be entitled to receive all amounts accrued or owing to it under this Agreement on or prior to the date of such termination, whether in respect of P&I Advances or otherwise, and shall continue to be entitled to the benefits of Section 6.03, notwithstanding any such termination, with respect to events occurring prior to such termination). For purposes of this Section 7.01, the Trustee shall not be deemed to have knowledge of a Master Servicer Event of Default unless a Responsible Officer of the
Trustee assigned to and working in the Trustee’s Corporate Trust Office has actual knowledge thereof or unless written notice of any event which is in fact such a Master Servicer Event of Default is received by the Trustee and such notice references the Certificates, the Trust Fund or this Agreement.

 

 

	
            SECTION 7.02
 	
            Trustee to Act; Appointment of Successor.
 

(a)        On and after the time the Master Servicer receives a notice of termination, the Trustee shall be the successor in all respects to the Master Servicer in its capacity as Master Servicer under this Agreement, the Master Servicer shall not have the right to withdraw any funds from the Collection Account without the consent of the Trustee and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto and arising thereafter placed on the Master Servicer (except for any representations or warranties of the Master Servicer under this Agreement, the responsibilities, duties and liabilities contained in Section 2.03(c) and its obligation to deposit amounts in respect of losses pursuant to Section 3.12) by the terms and provisions hereof including, without limitation,
the Master Servicer’s obligations to make P&I Advances pursuant to Section 4.03; provided, however, that if the Trustee is prohibited by law or regulation from obligating itself to make advances regarding delinquent mortgage loans, then the Trustee shall not be obligated to make P&I Advances pursuant to Section 4.03; and provided further, that any failure to perform such duties or responsibilities caused by the Master Servicer’s failure to provide information required by Section 7.01 shall not be considered a default by the Trustee as successor to the Master Servicer hereunder. As compensation therefor, the Trustee shall be entitled to the Servicing Fees and Administration Fees and all funds relating to the Mortgage Loans to which the Master Servicer would have been entitled if it had continued to act hereunder (other than amounts which were due or would become due to the Master Servicer prior to its termination or resignation). Notwithstanding the above, the Trustee
may, if it shall be unwilling to so act, or shall, if it is unable to so act or if it is prohibited by law from making advances regarding delinquent mortgage loans, or if the Holders of Certificates entitled to at least 51% of the Voting Rights so request in writing to the Trustee, promptly appoint or petition a court of competent jurisdiction to appoint, an established mortgage loan servicing institution acceptable to the Rating Agencies and having a net worth of not less than $15,000,000 as the successor to the Master Servicer under this Agreement in the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer under this Agreement. No appointment of a successor to the Master Servicer under this Agreement shall be effective until the assumption by the successor of all of the Master Servicer’s responsibilities, duties and liabilities hereunder. In connection with such appointment and assumption described herein, the Trustee may make such
arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted the Master Servicer as such hereunder. The Depositor, the Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. Pending appointment of a successor to the Master Servicer under this Agreement, the Trustee shall act in such capacity as hereinabove provided.

(b)        In connection with the termination or resignation of the Master Servicer hereunder, either (i) the successor servicer, including the Trustee, if the Trustee is acting as successor Master Servicer, shall  represent and warrant that it is a member of MERS in good standing and shall agree to comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS, in which case the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to revise its records to reflect the transfer of servicing to the successor Master Servicer as necessary under MERS’ rules and regulations, or (ii) the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to execute and deliver an assignment of
Mortgage in recordable form to transfer the Mortgage from MERS to the Trustee and to execute and deliver such other notices, documents and other instruments as may be necessary or desirable to effect a transfer of such Mortgage Loan or servicing of such Mortgage Loan on the MERS® System to the successor Master Servicer. The predecessor Master Servicer shall file or cause to be filed any such assignment in the appropriate 

 

recording office. The predecessor Master Servicer shall bear any and all fees of MERS, costs of preparing any assignments of Mortgage, and fees and costs of filing any assignments of Mortgage that may be required under this Section 7.02(b).

	
            SECTION 7.03
 	
            Notification to Certificateholders.
 

(a)        Upon any termination of the Master Servicer pursuant to Section 7.01 above or any appointment of a successor to the Master Servicer pursuant to Section 7.02 above, the Trustee shall give prompt written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register.

(b)        Not later than the later of 60 days after the occurrence of any event, which constitutes or which, with notice or lapse of time or both, would constitute a Master Servicer Event of Default or five days after a Responsible Officer of the Trustee becomes aware of the occurrence of such an event, the Trustee shall transmit by mail to all Holders of Certificates notice of each such occurrence, unless such default or Master Servicer Event of Default shall have been cured or waived.

	
            SECTION 7.04
 	
            Waiver of Master Servicer Events of Default.
 

Subject to Section 11.09(d), the Holders representing at least 66% of the Voting Rights evidenced by all Classes of Certificates affected by any default or Master Servicer Event of Default hereunder may waive such default or Master Servicer Event of Default; provided, however, that a default or Master Servicer Event of Default under clause (i) or (vi) of Section 7.01 may be waived only by all of the Holders of the Regular Certificates. Upon any such waiver of a default or Master Servicer Event of Default, such default or Master Servicer Event of Default shall cease to exist and shall be deemed to have been remedied for every purpose hereunder. No such waiver shall extend to any subsequent or other default or Master Servicer Event of Default or impair any right consequent thereon except to the extent expressly so waived.

 

 

ARTICLE VIII

 

CONCERNING THE TRUSTEE, THE TRUST ADMINISTRATOR, THE PAYING AGENT, THE CERTIFICATE REGISTRAR AND THE AUTHENTICATING AGENT

	
            SECTION 8.01
 	
            Duties of Trustee, Trust Administrator and Others.
 

The Trustee, prior to the occurrence of a Master Servicer Event of Default and after the curing of all Master Servicer Events of Default which may have occurred, and each of the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent, at all times, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. During a Master Servicer Event of Default, the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise as a prudent person would exercise or use under the circumstances in the conduct of such person’s own affairs. Any permissive right of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent enumerated in this Agreement shall not be construed as a duty.

Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to it, which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they conform to the requirements of this Agreement; provided, however, that none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent will be responsible for the accuracy or content of any such resolutions, certificates, statements, opinions, reports, documents or other instruments. If any such instrument is found not to conform to the requirements of this Agreement in a material manner, it shall take such action as it deems appropriate to have the
instrument corrected, and if the instrument is not corrected to its satisfaction, it will provide notice thereof to the Certificateholders.

No provision of this Agreement shall be construed to relieve the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent from liability for its own negligent action, its own negligent failure to act or its own misconduct; provided, however, that:

(i)         With respect to the Trustee, prior to the occurrence of a Master Servicer Event of Default, and after the curing of all such Master Servicer Events of Default which may have occurred, and with respect to the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent, at all times, the duties and obligations of each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent, shall be determined solely by the express provisions of this Agreement, none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be
read into this Agreement against the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent and, in the absence of bad faith on the part of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as the case may be, may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or 

 

opinions furnished to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as the case may be, that conform to the requirements of this Agreement;

(ii)         None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be personally liable for any error of judgment made in good faith by a Responsible Officer or Responsible Officers of it unless it shall be proved that it was negligent in ascertaining the pertinent facts;  

(iii)        None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of the Holders of Certificates entitled to at least 25% of the Voting Rights relating to the time, method and place of conducting any proceeding for any remedy available to the it or exercising any trust or power conferred upon it, under this Agreement; and

(iv)        The Trustee shall not be required to take notice or be deemed to have notice or knowledge of any default unless a Responsible Officer of the Trustee shall have received written notice thereof or a Responsible Officer shall have actual knowledge thereof. In the absence of receipt of such notice or actual knowledge, the Trustee may conclusively assume there is no default.

None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be required to expend or risk its own funds or otherwise incur financial liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers, in each case not including expenses, disbursements and advances incurred or made by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, including the compensation and the expenses and disbursements of its agents and counsel, in the ordinary course of the Trustee’s, the Trust Administrator’s the Paying Agent’s, the Certificate Registrar’s or the Authenticating Agent’s, as the case may be, performance in accordance with the provisions of this Agreement, if there is reasonable ground for
believing that the repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it. With respect to the Trustee, none of the provisions contained in this Agreement shall in any event require the Trustee to perform, or be responsible for the manner of performance of, any of the obligations of the Master Servicer under this Agreement, except during such time, if any, as the Trustee shall be the successor to, and be vested with the rights, duties, powers and privileges of, the Master Servicer in accordance with the terms of this Agreement.

	
            SECTION 8.02
 	
            Certain Matters Affecting the Trustee, the Trust Administrator and 

      Others.
 
	
            (a)
 	
            Except as otherwise provided in Section 8.01:
 	
             

				

(i)         Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent and any director, officer, employee or agent of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as the case may be, may request and conclusively rely upon and shall be fully protected in acting or refraining from acting upon any resolution, Officers’ Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, 

 

request, consent, order, appraisal, bond or other paper or document reasonably believed by it to be genuine and to have been signed or presented by the proper party or parties;

(ii)         Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent may consult with counsel of its selection and any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such Opinion of Counsel;

(iii)        None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be under any obligation to exercise any of the trusts or powers vested in it by this Agreement or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, security or indemnity satisfactory to it against the costs, expenses and liabilities which may be incurred therein or thereby; the right of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the
Authenticating Agent to perform any discretionary act enumerated in this Agreement shall not be construed as a duty, and none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be answerable for other than its negligence or willful misconduct in the performance of any such act; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of a Master Servicer Event of Default (which has not been cured or waived), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent person would exercise or use under the circumstances in the conduct of such person’s own affairs;

(iv)        None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be personally liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this  Agreement;

(v)        With respect to the Trustee, prior to the occurrence of a Master Servicer Event of Default hereunder, and after the curing of all Master Servicer Events of Default which may have occurred, and with respect to the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, at all times, none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing to do so by the Holders of Certificates entitled to at least 25% of the Voting Rights; provided, however, that if the payment within a
reasonable time to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, not reasonably assured to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, by such Certificateholders, the Trustee, the Trust 

 

Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable, may require indemnity satisfactory to it against such cost, expense, or liability from such Certificateholders as a condition to taking any such action;

(vi)        Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys and none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be responsible for any misconduct or negligence on the part of any agent or attorney appointed with due care;

(vii)       None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be personally liable for any loss resulting from the investment of funds held in the Collection Account at the direction of the Master Servicer pursuant to Section 3.12; and

(viii)      Any request or direction of the Depositor, the Master Servicer or the Certificateholders mentioned herein shall be sufficiently evidenced in writing.

(b)        All rights of action under this Agreement or under any of the Certificates, enforceable by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, may be enforced by it without the possession of any of the Certificates, or the production thereof at the trial or other proceeding relating thereto, and any such suit, action or proceeding instituted by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be brought in its name for the benefit of all the Holders of such Certificates, subject to the provisions of this Agreement.

	
            SECTION 8.03
 	
            Trustee, Trust Administrator and Others not Liable for Certificates or Mortgage Loans.
 

The recitals contained herein and in the Certificates (other than the signatures of the Trustee, the Trust Administrator and Citibank hereto, the signature of the Paying Agent and the authentication of the Authenticating Agent on the Certificates, the acknowledgments of the Trustee and the Trust Administrator contained in Article II and the representations and warranties of the Trustee, the Trust Administrator and Citibank in Section 8.12) shall be taken as the statements of the Depositor and none of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent assumes any responsibility for their correctness. None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent makes any representations or warranties as to the validity or sufficiency of this Agreement (other than as
specifically set forth in Section 8.12) or of the Certificates (other than the signature of the Paying Agent and authentication of the Authenticating Agent on the Certificates) or of any Mortgage Loan or related document or of MERS or the MERS System. None of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent shall be accountable for the use or application by the Depositor of any of the Certificates or of the proceeds of such Certificates, or for the use or application of any funds paid to the Depositor or the Master Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the Collection Account by the Master Servicer. 

 

 

	
            SECTION 8.04
 	
            Trustee, Trust Administrator and Others May Own Certificates.
 

Each of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar and the Authenticating Agent in its individual capacity or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, as applicable.

	
            SECTION 8.05
 	
            Trustee’s, Trust Administrator’s, Paying Agent’s, Authenticating Agent’s, Certificate Registrar’s and Custodians’ Fees and Expenses.
 

(a)        The compensation to be paid to the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent and the Certificate Registrar in respect of each of its obligations under this Agreement or of a Custodian’s obligations under the applicable Custodial Agreement will be the amounts paid by the Master Servicer from its own funds or from a portion of the compensation paid to the Master Servicer hereunder pursuant to letter agreements between the Master Servicer and the Trustee, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar and such Custodian (which compensation shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) and no such compensation shall be paid from the assets of the Trust. Each of the Trustee, the Trust
Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent, a Custodian and any director, officer, employee or agent of any of them, as applicable, shall be indemnified by the Trust Fund and held harmless against any loss, liability or expense (not including expenses, disbursements and advances incurred or made by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or a Custodian, as applicable, including the compensation and the expenses and disbursements of its agents and counsel, in the ordinary course of the Trustee’s, the Trust Administrator’s the Paying Agent’s, the Certificate Registrar’s, the Authenticating Agent’s or a Custodian’s, as the case may be, performance in accordance with the provisions of this Agreement) incurred by the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or a Custodian, as applicable, in
connection with any claim or legal action or any pending or threatened claim or legal action arising out of or in connection with the acceptance or administration of its obligations and duties under this Agreement (or, in the case of a Custodian, under the applicable Custodial Agreement), other than any loss, liability or expense (i) resulting from any breach of the Master Servicer’s (and in the case of the Trustee, the Trust Administrator’s or the Paying Agent’s; in the case of the Trust Administrator, the Trustee’s or the Paying Agent’s; or in the case of the Paying Agent, the Trustee’s or the Trust Administrator’s) obligations in connection with this Agreement and the Mortgage Loans, (ii) that constitutes a specific liability of the Trustee, the Trust Administrator or the Paying Agent, as applicable, pursuant to Section 10.01(g) or (iii) any loss, liability or expense incurred by reason of willful misfeasance, bad faith or negligence in the
performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder (or, in the case of a Custodian, under the applicable Custodial Agreement) or as a result of a breach of the Trustee’s, the Trust Administrator’s or the Paying Agent’s obligations under Article X hereof (or, in the case of a Custodian, as a result of a breach of such Custodian’s obligations under the related Custodial Agreement). Any amounts payable to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar or the Authenticating Agent, a Custodian, or any director, officer, employee or agent of any of them in respect of the indemnification provided by this paragraph (a), or pursuant to any other right of reimbursement from the Trust Fund that the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent, a Custodian or any director, officer, employee or agent of any of them may have hereunder
in its capacity as such, may be withdrawn by the Paying Agent for payment to the applicable indemnified Person from the Distribution Account at any time.

 

 

(b)        The Master Servicer agrees to indemnify the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and any Custodian from, and hold each harmless against, any loss, liability or expense resulting from a breach of the Master Servicer’s obligations and duties under this Agreement. Such indemnity shall survive the termination or discharge of this Agreement and the resignation or removal of the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or such Custodian, as the case may be. Any payment hereunder made by the Master Servicer to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or such Custodian shall be from the Master Servicer’s own funds, without reimbursement from
the Trust Fund therefor.

	
            SECTION 8.06
 	
            Eligibility Requirements for Trustee and Trust Administrator.
 

Each of the Trustee and the Trust Administrator hereunder shall at all times be a corporation or an association organized and doing business under the laws of any state or the United States of America, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of at least $50,000,000 and subject to supervision or examination by federal or state authority. In case at any time the Trustee or the Trust Administrator shall cease to be eligible in accordance with the provisions of this Section, the Trustee or the Trust Administrator, as the case may be, shall resign immediately in the manner and with the effect specified in Section 8.07.

	
            SECTION 8.07
 	
            Resignation and Removal of the Trustee and the Trust Administrator.
 

Either of the Trustee or the Trust Administrator may at any time resign and be discharged from the trust hereby created by giving written notice thereof to the Depositor, the Master Servicer and the Certificateholders and, if the Trustee is resigning, to the Trust Administrator, or, if the Trust Administrator is resigning, to the Trustee. Upon receiving such notice of resignation, the Depositor shall promptly appoint a successor trustee or trust administrator (which may be the same Person in the event the Trust Administrator resigns or is removed) by written instrument, in duplicate, which instrument shall be delivered to the resigning Trustee or Trust Administrator and to the successor trustee or trust administrator, as applicable. A copy of such instrument shall be delivered to the Certificateholders, the Trustee or Trust Administrator, as applicable, and the Master Servicer by the
Depositor. If no successor trustee or trust administrator shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee or Trust Administrator, as applicable, may petition any court of competent jurisdiction for the appointment of a successor trustee or trust administrator, as applicable.

If at any time the Trustee or the Trust Administrator shall cease to be eligible in accordance with the provisions of Section 8.06 and shall fail to resign after written request therefor by the Depositor (or in the case of the Trust Administrator, the Trustee), or if at any time the Trustee or the Trust Administrator shall become incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee or the Trust Administrator or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or the Trust Administrator or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Depositor (or in the case of the Trust Administrator, the Trustee) may remove the Trustee or the Trust Administrator, as applicable, and appoint a successor trustee or trust administrator (which may be the same
Person in the event the Trust Administrator resigns or is removed) by written instrument, in duplicate, which instrument shall be delivered to the Trustee or Trust Administrator so removed and to the successor trustee or trust administrator. A copy of such instrument shall be delivered to the Certificateholders, the Trustee or the Trust Administrator, as applicable, and the Master Servicer by the Depositor.

 

 

The Holders of Certificates entitled to at least 51% of the Voting Rights may at any time remove the Trustee or the Trust Administrator and appoint a successor trustee or trust administrator by written instrument or instruments, in triplicate, signed by such Holders or their attorneys-in-fact duly authorized, one complete set of which instruments shall be delivered to the Depositor, one complete set to the Trustee or the Trust Administrator, as the case may be, so removed and one complete set to the successor so appointed. A copy of such instrument shall be delivered to the Certificateholders and the Master Servicer by the Depositor. 

If no successor Trust Administrator shall have been appointed and shall have accepted appointment within 60 days after the Trust Administrator ceases to be the Trust Administrator pursuant to this Section 8.07, then the Trustee shall perform the duties of the Trust Administrator pursuant to this Agreement. The Trustee shall notify the Rating Agencies of any change of Trust Administrator.

 

Any resignation or removal of the Trustee or the Trust Administrator and appointment of a successor trustee or trust administrator, as the case may be, pursuant to any of the provisions of this Section shall not become effective until acceptance of appointment by the successor trustee or trust administrator as provided in Section 8.08. Notwithstanding the foregoing, in the event the Trust Administrator advises the Trustee that it is unable to continue to perform its obligations pursuant to the terms of this Agreement prior to the appointment of a successor, the Trustee shall be obligated to perform such obligations until a new trust administrator is appointed. Such performance shall be without prejudice to any claim by a party hereto or beneficiary hereof resulting from the Trust Administrator’s breach of its obligations hereunder. As compensation therefor, the Trustee shall be
entitled to all fees the Trust Administrator would have been entitled to if it had continued to act hereunder.

	
            SECTION 8.08
 	
            Successor Trustee or Trust Administrator.
 

Any successor trustee or trust administrator appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Depositor, the Trustee or the Trust Administrator, as applicable, and to its predecessor trustee or trust administrator an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee or trust administrator shall become effective and such successor trustee or trust administrator, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with the like effect as if originally named as trustee or trust administrator herein. The predecessor trustee or trust administrator shall deliver to the successor trustee or trust administrator all Mortgage Files and related documents and statements, as well as all moneys, held by
it hereunder and the Depositor and the predecessor trustee or trust administrator shall execute and deliver such instruments and do such other things as may reasonably be required for more fully and certainly vesting and confirming in the successor trustee or trust administrator all such rights, powers, duties and obligations.

No successor trustee or trust administrator shall accept appointment as provided in this Section unless at the time of such acceptance such successor trustee or trust administrator shall be eligible under the provisions of Section 8.06 and the appointment of such successor trustee or trust administrator shall not result in a downgrading of any Class of Certificates by the Rating Agencies, as evidenced by a letter from the Rating Agencies.

Upon acceptance of appointment by a successor trustee or trust administrator as provided in this Section, the Depositor shall mail notice of the succession of such trustee or trust administrator hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register. If the Depositor fails to mail such 

 

notice within 10 days after acceptance of appointment by the successor trustee or trust administrator, the successor trustee or trust administrator shall cause such notice to be mailed at the expense of the Depositor.

	
            SECTION 8.09
 	
            Merger or Consolidation of Trustee or Trust Administrator.
 

Any corporation or association into which either the Trustee or the Trust Administrator may be merged or converted or with which it may be consolidated or any corporation or association resulting from any merger, conversion or consolidation to which the Trustee or the Trust Administrator, as the case may be, shall be a party, or any corporation or association succeeding to the business of the Trustee or the Trust Administrator, as applicable, shall be the successor of the Trustee or the Trust Administrator, as the case may be, hereunder, provided such corporation or association shall be eligible under the provisions of Section 8.06, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding.

	
            SECTION 8.10
 	
            Appointment of Co-Trustee or Separate Trustee.
 

Notwithstanding any other provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of REMIC I-A, REMIC II-A or REMIC III-A or property securing the same may at the time be located, the Master Servicer and the Trustee acting jointly shall have the power and shall execute and deliver all instruments to appoint one or more Persons approved by the Trustee to act as co-trustee or co-trustees, jointly with the Trustee, or separate trustee or separate trustees, of all or any part of REMIC I-A, REMIC II-A or REMIC III-A, and to vest in such Person or Persons, in such capacity, such title to REMIC I-A, REMIC II-A or REMIC III-A, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Master Servicer and the Trustee may consider necessary or desirable. If
the Master Servicer shall not have joined in such appointment within 15 days after the receipt by it of a request to do so, or in case a Master Servicer Event of Default shall have occurred and be continuing, the Trustee alone shall have the power to make such appointment. No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 8.06 hereunder and no notice to Holders of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall be required under Section 8.08 hereof.

In the case of any appointment of a co-trustee or separate trustee pursuant to this Section 8.10 all rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee and such separate trustee or co-trustee jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed by the Trustee (whether as Trustee hereunder or as successor to the Master Servicer hereunder), the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to REMIC I-A, REMIC II-A or REMIC III-A or any portion thereof in any such jurisdiction) shall be exercised and performed by such separate trustee or co-trustee at the direction of the Trustee.

Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article VIII. Each separate trustee and co-trustee, upon its acceptance of the trust conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this 

 

Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee.

Any separate trustee or co-trustee may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor trustee.

	
            SECTION 8.11
 	
            [intentionally omitted]
 	
             

	
            SECTION 8.12
 	
            Appointment of Office or Agency.
 

The Trust Administrator or the Paying Agent on its behalf will appoint an office or agency in the City of New York where the Certificates may be surrendered for registration of transfer or exchange, and presented for final distribution, and where notices and demands to or upon the Certificate Registrar, the Paying Agent or the Trust Administrator in respect of the Certificates and this Agreement may be served.

	
            SECTION 8.13
 	
            Representations and Warranties.
 

Each of the Trustee, the Trust Administrator and Citibank hereby represents and warrants to the Master Servicer, the Depositor and the Trustee, the Trust Administrator and Citibank, as applicable, as of the Closing Date, that:

(i)         It is duly organized, validly existing and in good standing under the laws of the State of New York, in the case of the Trust Administrator, and the laws of the United States, in the case of the Trustee and Citibank.

(ii)         The execution and delivery of this Agreement by it, and the performance and compliance with the terms of this Agreement by it, will not violate its articles of association or bylaws or constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, or result in the breach of, any material agreement or other instrument to which it is a party or which is applicable to it or any of its assets.

(iii)        It has the full power and authority to enter into and consummate all transactions contemplated by this Agreement, has duly authorized the execution, delivery and performance of this Agreement, and has duly executed and delivered this Agreement.

(iv)        This Agreement, assuming due authorization, execution and delivery by the other parties hereto, constitutes a valid, legal and binding obligation of it, enforceable against it in accordance with the terms hereof, subject to (A) applicable bankruptcy, insolvency, receivership, reorganization, moratorium and other laws affecting the enforcement of creditors’ rights generally, and (B) general principles of equity, regardless of whether such enforcement is considered in a proceeding in equity or at law.

(v)        It is not in violation of, and its execution and delivery of this Agreement and its performance and compliance with the terms of this Agreement will not constitute a violation of, 

 

any law, any order or decree of any court or arbiter, or any order, regulation or demand of any federal, state or local governmental or regulatory authority, which violation, in its good faith and reasonable judgment, is likely to affect materially and adversely either the ability of the it to perform its obligations under this Agreement or the financial condition of it.

(vi)        No litigation is pending or, to the best of its knowledge, threatened against it which would prohibit it from entering into this Agreement or, in its good faith reasonable judgment, is likely to materially and adversely affect either the ability of it to perform its obligations under this Agreement or the financial condition of it.

	
            SECTION 8.14
 	
            Appointment and Removal of Paying Agent, Authenticating Agent and Certificate Registrar.
 

(a)        The Trust Administrator hereby appoints Citibank as Paying Agent and Citibank hereby accepts such appointment. The Paying Agent shall hold all amounts deposited with it by the Trust Administrator or the Master Servicer for payment on the Certificates in trust for the benefit of the Certificateholders until the amounts are paid to the Certificateholders or otherwise disposed of in accordance with this Agreement.

Any corporation or national banking association into which the Paying Agent may be merged in or converted or with which it may be consolidated, or any corporation or national banking association resulting from any merger, conversion or consolidation to which such Paying Agent shall be a party, or any corporation or national banking association succeeding to the corporate agency or corporate trust business of the Paying Agent, shall continue to be the Paying Agent, provided such corporation or national banking association shall be otherwise eligible under this section 8.14(a), without the execution or filing of any paper or any further act on the part of the Trustee, the Trust Administrator or the Paying Agent.

The Paying Agent may resign at any time by giving written notice thereof to the Trustee and the Trust Administrator. The Trust Administrator may at any time terminate the Paying Agent by giving written notice thereof to the Paying Agent and to the Trustee. Upon receiving such a notice of resignation or upon such a termination, or in case at any time such Paying Agent shall cease to be eligible in accordance with the provisions of this section 8.14(a), the Trust Administrator shall appoint a successor and shall mail written notice of such appointment by first-class mail, postage prepaid to all Certificateholders as their names and addresses appear in the Certificate Register and to the Rating Agencies. Following the termination or resignation of the Paying Agent and prior to the appointment of a successor Paying Agent, the Trust Administrator shall act as Paying Agent hereunder. Any
successor Paying Agent upon acceptance of its appointment hereunder shall become vested with all the rights, powers and duties of its predecessor hereunder, with like effect as if originally named as the Paying Agent herein. No successor Paying Agent shall be appointed unless eligible under the provisions of this section 8.14(a).

The Paying Agent and any successor Paying Agent (i) may not be an Originator, the Master Servicer, a subservicer, the Depositor or an affiliate of the Depositor unless the Paying Agent is an institutional trust department, (ii) must be authorized to exercise corporate trust powers under the laws of its jurisdiction of organization, and (iii) must at all times be rated at least “A1” by S&P if S&P is a Rating Agency and at least “A/F1” by Fitch if Fitch is a rating agency and the equivalent rating by Moody’s, if Moody’s is a Rating Agency.

 

 

The Trust Administrator shall pay to the Paying Agent from its own funds reasonable compensation for its services hereunder, and such expense of the Trust Administrator shall not be payable from the Trust Fund and shall not be recoverable by the Trust Administrator from the assets of the Trust Fund pursuant to section 8.05 or any other provision of this Agreement.

(b)        The Trust Administrator hereby appoints Citibank as  Authenticating Agent and Citibank hereby accepts such appointment. The Authenticating Agent shall be authorized to authenticate the Certificates, and Certificates so authenticated shall be entitled to the benefit of this Agreement.

The Authenticating Agent shall at all times remain a corporation or national banking association organized and doing business under the laws of the United States of America, any state thereof or the District of Columbia, authorized under such laws to act as Authenticating Agent, having a combined capital and surplus of not less than $15,000,000, authorized under such laws to conduct a trust business and subject to supervision or examination by federal or state authority. If the Authenticating Agent publishes reports of condition at least annually, pursuant to law or to the requirements of said supervising or examining authority, then for the purposes of this section 8.14(b), the combined capital and surplus of the Authenticating Agent shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. If at any time an Authenticating
Agent shall cease to be eligible in accordance with the provisions of this section 8.14(b), such Authenticating Agent shall resign immediately in the manner and with the effect specified in this section 8.14(b).

Any corporation or national banking association into which the Authenticating Agent may be merged in or converted or with which it may be consolidated, or any corporation or national banking association resulting from any merger, conversion or consolidation to which such Authenticating Agent shall be a party, or any corporation or national banking association succeeding to the corporate agency or corporate trust business of the Authenticating Agent, shall continue to be the Authenticating Agent, provided such corporation or national banking association shall be otherwise eligible under this section 8.14(b), without the execution or filing of any paper or any further act on the part of the Trustee, the Trust Administrator or the Authenticating Agent.

The Authenticating Agent may resign at any time by giving written notice thereof to the Trustee and the Trust Administrator. The Trust Administrator may at any time terminate the Authenticating Agent by giving written notice thereof to the Authenticating Agent and to the Trustee. Upon receiving such a notice of resignation or upon such a termination, or in case at any time such Authenticating Agent shall cease to be eligible in accordance with the provisions of this section 8.14(b), the Trust Administrator shall appoint a successor and shall mail written notice of such appointment by first-class mail, postage prepaid to all Certificateholders as their names and addresses appear in the Certificate Register. Following the termination or resignation of the Authenticating Agent and prior to the appointment of a successor Authenticating Agent, the Trust Administrator shall act as Authenticating
Agent hereunder. Any successor Authenticating Agent upon acceptance of its appointment hereunder shall become vested with all the rights, powers and duties of its predecessor hereunder, with like effect as if originally named as the Authenticating Agent herein. No successor Authenticating Agent shall be appointed unless eligible under the provisions of this section 8.14(b).

The Trust Administrator shall pay to the Authenticating Agent from its own funds reasonable compensation for its services hereunder, and such expense of the Trust Administrator shall not be payable from the Trust Fund and shall not be recoverable by the Trust Administrator from the assets of the Trust Fund pursuant to section 8.05 or any other provision of this Agreement.

 

 

(c)        The Trust Administrator hereby appoints Citibank as Certificate Registrar and Citibank hereby accepts such appointment.

Any corporation or national banking association into which the Certificate Registrar may be merged in or converted or with which it may be consolidated, or any corporation or national banking association resulting from any merger, conversion or consolidation to which such Certificate Registrar shall be a party, or any corporation or national banking association succeeding to the corporate agency or corporate trust business of the Certificate Registrar, shall continue to be the Certificate Registrar, provided such corporation or national banking association shall be otherwise eligible under this section 8.14(c), without the execution or filing of any paper or any further act on the part of the Trustee, the Trust Administrator or the Certificate Registrar.

The Certificate Registrar may resign at any time by giving written notice thereof to the Trustee and the Trust Administrator. The Trust Administrator may at any time terminate the Certificate Registrar by giving written notice thereof to the Certificate Registrar and to the Trustee.

Upon receiving such a notice of resignation or upon such a termination, or in case at any time such Certificate Registrar shall cease to be eligible in accordance with the provisions of this section 8.14(c), the Trust Administrator shall appoint a successor and shall mail written notice of such appointment by first-class mail, postage prepaid to all Certificateholders as their names and addresses appear in the Certificate Register. Following the termination or resignation of the Certificate Registrar and prior to the appointment of a successor Certificate Registrar, the Trust Administrator shall act as Certificate Registrar hereunder. Any successor Certificate Registrar upon acceptance of its appointment hereunder shall become vested with all the rights, powers and duties of its predecessor hereunder, with like effect as if originally named as the Certificate Registrar herein. No successor
Certificate Registrar shall be appointed unless eligible under the provisions of this section 8.14(c).

The Trust Administrator shall pay to the Certificate Registrar from its own funds reasonable compensation for its services hereunder, and such expense of the Trust Administrator shall not be payable from the Trust Fund and shall not be recoverable by the Trust Administrator from the assets of the Trust Fund pursuant to section 8.05 or any other provision of this Agreement.

	
            (e)
 	
            Notwithstanding anything to the contrary herein, in no event shall the
 

Trustee be liable to any party hereto or to any third party for the performance of any custody-related functions with respect to which the applicable Custodian shall fail to take action on behalf of the Trustee or, with respect to which the performance of custody-related functions pursuant to the terms of the custodial agreement with the applicable Custodian shall fail to satisfy all the related requirements under this Agreement.

 

	
            SECTION 8.15
 	
            No Trustee Liability for Actions or Inactions of Custodians.
 

Notwithstanding anything to the contrary herein, in no event shall the Trustee be liable to any party hereto or to any third party for the performance of any custody-related functions with respect to which the applicable Custodian shall fail to take action on behalf of the Trustee or, with respect to which the performance of custody-related functions pursuant to the terms of the custodial agreement with the applicable Custodian shall fail to satisfy all the related requirements under this Agreement.

 

 

 

ARTICLE IX

 

TERMINATION

	
            SECTION 9.01
 	
            Termination Upon Repurchase or Liquidation of the Mortgage Loans.
 

(a)        Subject to Section 9.02, the respective obligations and responsibilities under this Agreement of the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator with respect to the Group I Mortgage Loans (other than the obligations of the Master Servicer to the Trustee and the Trust Administrator pursuant to Section 8.05 and of the Master Servicer and the Trust Administrator to provide for and the Paying Agent to make payments to the Holders of the Group I Certificates as hereinafter set forth) shall terminate upon payment to the Holders of the Group I Certificates and the deposit of all amounts held by or on behalf of the Trustee or the Trust Administrator and required hereunder to be so paid or deposited on the Distribution Date coinciding with or
following the earlier to occur of (i) the purchase by the applicable Terminator of all Group I Mortgage Loans and each related REO Property remaining in REMIC I-A and (ii) the final payment or other liquidation (or any advance with respect thereto) of the last Group I Mortgage Loan or related REO Property remaining in REMIC I-A. The purchase by the applicable Terminator of all Group I Mortgage Loans and each related REO Property remaining in REMIC I-A shall be at a price (the “Group I Termination Price”) equal to the Purchase Price of the Group I Mortgage Loans included in REMIC I-A, plus the appraised value of each related REO Property, if any, included in REMIC I-A, such appraisal to be conducted by an appraiser mutually agreed upon by the Master Servicer and the Trustee in their reasonable discretion (as determined by the Master Servicer, with the consent of the Trustee, as of the close of business on the third Business Day next preceding the date upon which notice of any
such termination is furnished to Holders of the Group I Certificates pursuant to Section 9.01(e)).

(b)        Subject to Section 9.02, the respective obligations and responsibilities under this Agreement of the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator with respect to the Group II Mortgage Loans (other than the obligations of the Master Servicer to the Trustee and the Trust Administrator pursuant to Section 8.05 and of the Master Servicer and the Trust Administrator to provide for and the Paying Agent to make payments to the Holders of the Group II Certificates as hereinafter set forth) shall terminate upon payment to the Holders of the Group II Certificates and the deposit of all amounts held by or on behalf of the Trustee or the Trust Administrator and required hereunder to be so paid or deposited on the Distribution Date coinciding with or
following the earlier to occur of (i) the purchase by the applicable Terminator of all Group II Mortgage Loans and each related REO Property remaining in REMIC II-A and (ii) the final payment or other liquidation (or any advance with respect thereto) of the last Group II Mortgage Loan or related REO Property remaining in REMIC II-A. The purchase by the applicable Terminator of all Group II Mortgage Loans and each related REO Property remaining in REMIC II-A shall be at a price (the “Group II Termination Price”) equal to the Purchase Price of the Group II Mortgage Loans included in REMIC II-A, plus the appraised value of each related REO Property, if any, included in REMIC II-A, such appraisal to be conducted by an appraiser mutually agreed upon by the Master Servicer and the Trustee in their reasonable discretion (as determined by the Master Servicer, with the consent of the Trustee, as of the close of business on the third Business Day next preceding the date upon which
notice of any such termination is furnished to Holders of the Group II Certificates pursuant to Section 9.01(e)).

(c)        Subject to Section 9.02, the respective obligations and responsibilities under this Agreement of the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator with respect to the Group III Mortgage Loans (other than the 

 

 

obligations of the Master Servicer to the Trustee and the Trust Administrator pursuant to Section 8.05 and of the Master Servicer and the Trust Administrator to provide for and the Paying Agent to make payments to the Holders of the Group III Certificates as hereinafter set forth) shall terminate upon payment to the Holders of the Group III Certificates and the deposit of all amounts held by or on behalf of the Trustee or the Trust Administrator and required hereunder to be so paid or deposited on the Distribution Date coinciding with or following the earlier to occur of (i) the purchase by the applicable Terminator of all Group III Mortgage Loans and each related REO Property remaining in REMIC III-A and (ii) the final payment or other liquidation (or any advance with respect thereto) of the last Group III Mortgage Loan or related REO Property remaining in REMIC III-A. The purchase by the
applicable Terminator of all Group III Mortgage Loans and each related REO Property remaining in REMIC III-A shall be at a price (the “Group III Termination Price”) equal to the Purchase Price of the Group III Mortgage Loans included in REMIC III-A, plus the appraised value of each related REO Property, if any, included in REMIC III-A, such appraisal to be conducted by an appraiser mutually agreed upon by the Master Servicer and the Trustee in their reasonable discretion (as determined by the Master Servicer, with the consent of the Trustee, as of the close of business on the third Business Day next preceding the date upon which notice of any such termination is furnished to Holders of the Group III Certificates pursuant to Section 9.01(e)).

(d)        The related Terminator shall have the right to purchase all of the Group I Mortgage Loans and each REO Property remaining in REMIC I-A, all of the Group II Mortgage Loans and each REO Property remaining in REMIC II-A and/or all of the Group III Mortgage Loans and each REO Property remaining in REMIC III-A pursuant to Section 9.01(a)(i) or Section 9.01(b)(i) or Section 9.01(c)(i), as applicable, no later than the Determination Date in the month immediately preceding the Distribution Date on which the Group I Certificates, the Group II Certificates or the Group III Certificates, as applicable, will be retired; provided, however, that the related Terminator, as provided above, may elect to purchase (i) all of the Group I Mortgage Loans and each REO Property remaining in REMIC I-A pursuant to Section 9.01(a)(i) only if the aggregate Stated
Principal Balance of the Group I Mortgage Loans and each REO Property remaining in REMIC I-A at the time of such election is reduced to less than 10% of the aggregate Stated Principal Balance of the Group I Mortgage Loans at the Cut-off Date, (ii) all of the Group II Mortgage Loans and each REO Property remaining in REMIC II-A pursuant to Section 9.01(b)(i) only if the aggregate Stated Principal Balance of the Group II Mortgage Loans and each REO Property remaining in REMIC II-A at the time of such election is reduced to less than 10% of the aggregate Stated Principal Balance of the Group II Mortgage Loans at the Cut-off Date and/or (iii) all of the Group III Mortgage Loans and each REO Property remaining in REMIC III-A pursuant to Section 9.01(c)(i) only if the aggregate Stated Principal Balance of the Group III Mortgage Loans and each REO Property remaining in REMIC III-A at the time of such election is reduced to less than 10% of the aggregate Stated Principal Balance of the Group
III Mortgage Loans at the Cut-off Date. For federal income tax purposes, the purchase by the related Terminator of the Mortgage Loans and the REO Properties underlying the Certificates is intended to facilitate a redemption of such Certificates pursuant to a “cleanup call” within the meaning of Treasury regulation section 1.860G-2(j). Notwithstanding the foregoing, the applicable Terminator shall have the right to transfer, sell or assign its rights to purchase the Mortgage Loans and each REO Property remaining in REMIC I-A or REMIC II-A or REMIC III-A.

(e)        Notice of the liquidation of any Certificates shall be given promptly by the Paying Agent by letter to the related Certificateholders (with a copy to the Trustee and the Trust Administrator mailed (a) in the event such notice is given in connection with the purchase of either the Group I Mortgage Loans or the Group II Mortgage Loans or the Group III Mortgage Loans and each related REO Property remaining in REMIC I-A or REMIC II-A or REMIC III-A, as applicable, by the related Terminator, not earlier than the 15th 

 

day and not later than the 25th day of the month next preceding the month of the final distribution on the related Certificates or (b) otherwise during the month of such final distribution on or before the Determination Date in such month, in each case specifying (i) the Distribution Date upon which REMIC I-A or REMIC II-A or REMIC III-A, as applicable, will terminate and final payment of the Group I Certificates or the Group II Certificates or the Group III Certificates, as applicable, will be made upon presentation and surrender of the Certificates at the office of the Certificate Registrar therein designated, (ii) the amount of any such final payment, (iii) that no interest shall accrue in respect of the Certificates from and after the Interest Accrual Period relating to the final Distribution Date therefor and (iv) that the Record Date otherwise applicable to such Distribution Date is not applicable,
payments being made only upon presentation and surrender of the Certificates at the office of the Certificate Registrar. In the event such notice is given in connection with the purchase of all of the Group I Mortgage Loans or the Group II Mortgage Loans or the Group III Mortgage Loans and each related REO Property remaining in REMIC I-A or REMIC II-A or REMIC III-A, as applicable, by the related Terminator, the related Terminator shall deliver to the Paying Agent for deposit in the Distribution Account (with notice to the Trustee and the Trust Administrator) not later than the last Business Day of the month next preceding the month in which such distribution will be made an amount in immediately available funds equal to the Group I Termination Price or the Group II Termination Price or the Group III Termination Price, as applicable. Upon certification to the Trustee by a Servicing Officer of the making of such final deposit, the Trustee shall promptly release or cause to be released
to the related Terminator the Mortgage Files for the remaining Group I Mortgage Loans or Group II Mortgage Loans or Group III Mortgage Loans, as applicable, and the Trustee shall execute all assignments, endorsements and other instruments delivered to it which are necessary to effectuate such transfer.

(f)         Upon receipt of notice by the Paying Agent of the presentation of the Certificates by the Certificateholders on the related final Distribution Date to the Certificate Registrar, the Paying Agent shall distribute to each Certificateholder so presenting and surrendering its Certificates the amount otherwise distributable on such Distribution Date in accordance with Section 4.01 in respect of the Certificates so presented and surrendered. Any funds not distributed to any Holder or Holders of Certificates being retired on such Distribution Date because of the failure of such Holder or Holders to tender their Certificates shall, on such date, be set aside and held in trust by the Paying Agent and credited to the account of the appropriate non-tendering Holder or Holders. If any Certificates as to which notice has been given pursuant to
this Section 9.01 shall not have been surrendered for cancellation within six months after the time specified in such notice, the Paying Agent shall mail a second notice to the remaining non-tendering Certificateholders to surrender their Certificates for cancellation in order to receive the final distribution with respect thereto. If within one year after the second notice all such Certificates shall not have been surrendered for cancellation, the Paying Agent shall, directly or through an agent, mail a final notice to remaining related non-tendering Certificateholders concerning surrender of their Certificates. The costs and expenses of maintaining the funds in trust and of contacting such Certificateholders shall be paid out of the assets remaining in the trust funds. If within one year after the final notice any such Certificates shall not have been surrendered for cancellation, the Paying Agent shall pay to Citigroup Global Markets Inc. all such amounts, and all rights of
non-tendering Certificateholders in or to such amounts shall thereupon cease. No interest shall accrue or be payable to any Certificateholder on any amount held in trust by the Paying Agent as a result of such Certificateholder’s failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 9.01.

Immediately following the deposit of funds in trust hereunder in respect of each of the Group I Certificates and the Group II Certificates and the Group III Certificates, the Trust Fund shall terminate. In no event shall the trust created hereby continue beyond the earlier of (a) the Latest Possible Maturity Date and (b) 

 

expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date hereof.

	
            SECTION 9.02
 	
            Additional Termination Requirements.
 

(a)        In the event that the related Terminator purchases all the Group I Mortgage Loans and each related REO Property or all the Group II Mortgage Loans and each related REO Property or all the Group III Mortgage Loans and each related REO Property, REMIC I-A (in the case of a purchase of all the Group I Mortgage Loans and each related REO Property) or REMIC II-A (in the case of a purchase of all the Group II Mortgage Loans and each related REO Property) or REMIC III-A (in the case of a purchase of all the Group III Mortgage Loans and each related REO Property) shall be terminated, in each case in accordance with the following additional requirements (or in connection with the final payment on or other liquidation of the last Group I Mortgage Loan or related REO Property remaining in REMIC I-A or the last Group II Mortgage Loan or related REO
Property remaining in REMIC II-A or the last Group III Mortgage Loan or related REO Property remaining in REMIC III-A, the additional requirement specified in clause (i) below):

(i)         The Trust Administrator shall specify the first day in the 90-day liquidation period in a statement attached to REMIC I-A’s or REMIC II-A’s or REMIC III-A’s, as applicable, final Tax Return pursuant to Treasury regulation Section 1.860F-1, and such termination shall satisfy all requirements of a qualified liquidation under Section 860F of the Code and any regulations thereunder, as evidenced by an Opinion of Counsel obtained at the expense of the Master Servicer;

(ii)         During such 90-day liquidation period, and at or prior to the time of making of the final payment on the Certificates, the Trust Administrator on behalf of the Trustee shall sell all of the assets of REMIC I-A or REMIC II-A or REMIC III-A, as applicable, to the related Terminator for cash; and

(iii)        At the time of the making of the final payment on the related Certificates, the Paying Agent shall distribute or credit, or cause to be distributed or credited, to the Holders of the Class I-R Certificates all cash on hand in REMIC I-A and  to the Holders of the Class II-R Certificates all cash on hand in REMIC II-A and  to the Holders of the Class III-R Certificates all cash on hand in REMIC III-A (in each case other than cash retained to meet claims), and either REMIC I-A and REMIC I-B or REMIC II-A and REMIC II-B or REMIC III-A, as applicable, shall terminate at that time.

(b)        At the expense of the related Terminator (or in the event of termination under Section 9.01(a)(ii) or Section 9.01(b)(ii), at the expense of the Trust Administrator), the Trust Administrator shall prepare or cause to be prepared the documentation required in connection with the adoption of a plan of liquidation of each REMIC, as applicable, pursuant to this Section 9.02.

(c)        By their acceptance of Certificates, the Holders thereof hereby agree to authorize the Trust Administrator to specify the 90-day liquidation period for each REMIC, as applicable, which authorization shall be binding upon all successor Certificateholders.

 

 

ARTICLE X

 

REMIC PROVISIONS

	
            SECTION 10.01
 	
            REMIC Administration.
 

(a)        The Trustee shall elect to treat each REMIC created hereunder as a REMIC under the Code and, if necessary, under applicable state law. Such election will be made by the Trust Administrator on behalf of the Trustee on Form 1066 or other appropriate federal tax or information return or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued. For the purposes of the REMIC election in respect of REMIC I-A, the REMIC I-A Regular Interests shall be designated as the Regular Interests in REMIC I-A and the Class R-IA Interest shall be designated as the Residual Interests in REMIC I-A. For the purposes of the REMIC election in respect of REMIC I-B, the Group I Certificates (other than the Class I-R Certificates) shall be designated as the Regular Interests in REMIC I-B and
the Class R-IB Interest shall be designated as the Residual Interest in REMIC I-B. Neither the Trustee nor the Trust Administrator shall permit the creation of any “interests” in REMIC I-A or REMIC I-B (within the meaning of Section 860G of the Code) other than the REMIC I-A Regular Interests and the Group I Certificates. For the purposes of the REMIC election in respect of REMIC II-A, the REMIC II-A Regular Interests shall be designated as the Regular Interests in REMIC II-A and the Class R-IIA Interest shall be designated as the Residual Interests in REMIC II-A. For the purposes of the REMIC election in respect of REMIC II-B, the Group II Certificates (other than the Class II-R Certificates) shall be designated as the Regular Interests in REMIC II-B and the Class R-IIB Interest shall be designated as the Residual Interest in REMIC II-B. Neither the Trustee nor the Trust Administrator shall permit the creation of any “interests” in REMIC II-A or REMIC II-B (within
the meaning of Section 860G of the Code) other than the REMIC II-A Regular Interests and the Group II Certificates. For the purposes of the REMIC election in respect of REMIC III-A, the Group III Certificates (other than the Class III-R Certificates) shall be designated as the Regular Interests in REMIC III-A and the Class R-III Certificates shall be designated as the Residual Interest in REMIC III-A. Neither the Trustee nor the Trust Administrator shall permit the creation of any “interests” in REMIC III-A (within the meaning of Section 860G of the Code) other than the Group III Certificates. The Trustee shall elect to treat each REMIC created hereunder as a REMIC under the Code and, if necessary, under applicable state law. Such election will be made by the Trust Administrator on behalf of the Trustee on Form 1066 or other appropriate federal tax or information return or any appropriate state return for the taxable year ending on the last day of the calendar year in which
the Certificates are issued. 

(b)        The Closing Date is hereby designated as the “Startup Day” of each REMIC created hereunder within the meaning of Section 860G(a)(9) of the Code.

(c)        The Trust Administrator shall pay any and all expenses relating to any tax audit of the Trust Fund (including, but not limited to, any professional fees or any administrative or judicial proceedings with respect to any Trust REMIC that involve the Internal Revenue Service or state tax authorities), and shall be entitled to reimbursement from the Trust therefor to the extent permitted under Section 8.05. The Trust Administrator, as agent for any Trust REMIC’s tax matters person, shall (i) act on behalf of the Trust Fund in relation to any tax matter or controversy involving any Trust REMIC and (ii) represent the Trust Fund in any administrative or judicial proceeding relating to an examination or audit by any governmental taxing authority with respect thereto. The Holder of the largest Percentage Interest of the Residual Certificates
shall be designated, in the manner provided under Treasury regulations section 1.860F-4(d) and Treasury regulations section 301.6231(a)(7)-1, as the tax matters person of the REMIC created hereunder. By its acceptance thereof, 

 

the Holder of the largest Percentage Interest of the Residual Certificates hereby agrees to irrevocably appoint the Trust Administrator or an Affiliate as its agent to perform all of the duties of the tax matters person for the Trust Fund.

(d)        The Trust Administrator shall prepare and the Trustee at the direction of the Trust Administrator shall sign and the Trust Administrator shall file all of the Tax Returns in respect of the REMIC created hereunder. The expenses of preparing and filing such returns shall be borne by the Trust Administrator without any right of reimbursement therefor. The Master Servicer shall provide on a timely basis to the Trust Administrator or its designee such information with respect to the assets of the Trust Fund as is in its possession and reasonably required by the Trust Administrator to enable it to perform its obligations under this Article.

(e)        The Trust Administrator shall perform on behalf of any Trust REMIC all reporting and other tax compliance duties that are the responsibility of the REMIC under the Code, the REMIC Provisions or other compliance guidance issued by the Internal Revenue Service or any state or local taxing authority including the filing of Form 8811 with the Internal Revenue Service within 30 days following the Closing Date. Among its other duties, as required by the Code, the REMIC Provisions or other such compliance guidance, the Trust Administrator shall provide (i) to any Transferor of a Residual Certificate such information as is necessary for the application of any tax relating to the transfer of a Residual Certificate to any Person who is not a Permitted Transferee, (ii) to the Certificateholders such information or reports as are required by the
Code or the REMIC Provisions including reports relating to interest, original issue discount and market discount or premium (using the Prepayment Assumption as required) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of any Trust REMIC. The Master Servicer shall provide on a timely basis to the Trust Administrator such information with respect to the assets of the Trust Fund, including, without limitation, the Mortgage Loans, as is in its possession and reasonably required by the Trust Administrator to enable it to perform its obligations under this subsection. In addition, the Depositor shall provide or cause to be provided to the Trust Administrator, within ten (10) days after the Closing Date, all information or data that the Trust Administrator reasonably determines to be relevant for tax purposes as to the valuations and issue prices of the Certificates, including, without limitation, the
price, yield, Prepayment Assumption and projected cash flow of the Certificates.

(f)         The Master Servicer, the Trustee and the Trust Administrator shall take such action and shall cause any Trust REMIC to take such action as shall be necessary to create or maintain the status thereof as a REMIC under the REMIC Provisions. The Master Servicer, the Trustee and the Trust Administrator shall not take any action, cause the Trust Fund 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 any Trust REMIC as a REMIC or (ii) result in the imposition of a tax upon the Trust Fund (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) (either such event, an
“Adverse REMIC Event”) unless the Trustee and the Trust Administrator have received an Opinion of Counsel, addressed to the Trustee and the Trust Administrator (at the expense of the party seeking to take such action but in no event at the expense of the Trust Administrator or the Trustee) to the effect that the contemplated action will not, with respect to any Trust REMIC, endanger such status or result in the imposition of such a tax, nor shall the Master Servicer take or fail to take any action (whether or not authorized hereunder) as to which the Trustee or the Trust Administrator has advised it in writing that it has received an Opinion of Counsel to the effect that an Adverse REMIC Event could occur with respect to such action. In addition, prior to taking any action with respect to any Trust REMIC or its assets, or causing any Trust REMIC to take any action, which is not contemplated under the terms of this 

 

Agreement, the Master Servicer will consult with the Trustee and the Trust Administrator or their designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to any Trust REMIC, and the Master Servicer shall not take any such action or cause any Trust REMIC to take any such action as to which the Trustee or the Trust Administrator has advised it in writing that an Adverse REMIC Event could occur. The Trust Administrator and the Trustee may consult with counsel to make such written advice, and the cost of same shall be borne by the party seeking to take the action not permitted by this Agreement, but in no event shall such cost be an expense of the Trustee or the Trust Administrator. At all times as may be required by the Code, the Trust Administrator, the Trustee or the Master Servicer will ensure that substantially all of the assets of any Trust REMIC
will consist of “qualified mortgages” as defined in Section 860G(a)(3) of the Code and “permitted investments” as defined in Section 860G(a)(5) of the Code.

(g)        In the event that any tax is imposed on “prohibited transactions” of the REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on the “net income from foreclosure property” of the REMIC as defined in Section 860G(c) of the Code, on any contributions to the REMIC after the Startup Day therefor pursuant to Section 860G(d) of the Code, or any other tax is imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Trust Administrator pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Trust Administrator of any of its obligations under this Article X, (ii) to the Trustee pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Article
X, (iii) to the Master Servicer pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Master Servicer of any of its obligations under Article III or this Article X, (iv) to the Paying Agent pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Paying Agent of any of its obligations under this Article X, or otherwise (v) against amounts on deposit in the Distribution Account and shall be paid by withdrawal therefrom.

	
            (h)
 	
            [Reserved].
 

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

(j)         Following the Startup Day, the Master Servicer, the Trustee and the Trust Administrator shall not accept any contributions of assets to any Trust REMIC other than in connection with any Qualified Substitute Mortgage Loan delivered in accordance with Section 2.03 unless it shall have received an Opinion of Counsel to the effect that the inclusion of such assets in the Trust Fund will not cause the REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding or subject the REMIC to any tax under the REMIC Provisions or other applicable provisions of federal, state and local law or ordinances.

(k)        None of the Trustee, the Trust Administrator or the Master Servicer shall enter into any arrangement by which any Trust REMIC will receive a fee or other compensation for services nor permit either such REMIC to receive any income from assets other than “qualified mortgages” as defined in Section 860G(a)(3) of the Code or “permitted investments” as defined in Section 860G(a)(5) of the Code.

	
            SECTION 10.02
 	
            Prohibited Transactions and Activities.
 

None of the Depositor, the Master Servicer, the Trust Administrator, the Paying Agent or the Trustee shall sell, dispose of or substitute for any of the Mortgage Loans (except in connection with (i) the foreclosure of a Mortgage Loan, including but not limited to, the acquisition or sale of a Mortgaged Property 

 

acquired by deed in lieu of foreclosure, (ii) the bankruptcy of any Trust REMIC, (iii) the termination of any Trust REMIC pursuant to Article IX of this Agreement, (iv) a substitution pursuant to Article II of this Agreement or (v) a purchase of Mortgage Loans pursuant to Article II or III of this Agreement), nor acquire any assets for any Trust REMIC (other than REO Property acquired in respect of a defaulted Mortgage Loan), nor sell or dispose of any investments in the Collection Account or the Distribution Account for gain, nor accept any contributions to any Trust REMIC after the Closing Date (other than a Qualified Substitute Mortgage Loan delivered in accordance with Section 2.03), unless it has received an Opinion of Counsel, addressed to the Trustee and the Trust Administrator (at the expense of the party seeking to cause such sale, disposition, substitution, acquisition or contribution but in no
event at the expense of the Trustee or the Trust Administrator) that such sale, disposition, substitution, acquisition or contribution will not (a) affect adversely the status of any Trust REMIC as a REMIC or (b) cause any Trust REMIC to be subject to a tax on “prohibited transactions” or “contributions” pursuant to the REMIC Provisions.

	
            SECTION 10.03
 	
            Master Servicer and Trust Administrator Indemnification.
 

(a)        The Trust Administrator agrees to indemnify the Trust Fund, the Depositor, the Master Servicer and the Trustee for any taxes and costs including, without limitation, any reasonable attorneys fees imposed on or incurred by the Trust Fund, the Depositor, the Master Servicer or the Trustee as a result of a breach of the Trust Administrator’s covenants set forth in this Article X.

(b)        The Master Servicer agrees to indemnify the Trust Fund, the Depositor, the Trust Administrator and the Trustee for any taxes and costs including, without limitation, any reasonable attorneys’ fees imposed on or incurred by the Trust Fund, the Depositor, the Trust Administrator or the Trustee, as a result of a breach of the Master Servicer’s covenants set forth in Article III or this Article X.

 

 

ARTICLE XI

 

MISCELLANEOUS PROVISIONS

	
            SECTION 11.01
 	
            Amendment.
 

This Agreement may be amended from time to time by the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator without the consent of any of the Certificateholders, (i) to cure any ambiguity or defect, (ii) to correct, modify or supplement any provisions herein (including to give effect to the expectations of Certificateholders) or (iii) to make any other provisions with respect to matters or questions arising under this Agreement which shall not be inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by an Opinion of Counsel delivered to the Trustee and the Trust Administrator, adversely affect in any material respect the interests of any Certificateholder. No amendment shall be deemed to adversely affect in any material respect the interests of any
Certificateholder who shall have consented thereto, and no Opinion of Counsel shall be required to address the effect of any such amendment on any such consenting Certificateholder.

This Agreement may also be amended from time to time by the Depositor, the Master Servicer, the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trust Administrator with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Holders of Certificates; provided, however, that no such amendment shall (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) adversely affect in any material respect the interests of the Holders of any Class of Certificates in a manner, other than as described in (i),
without the consent of the Holders of Certificates of such Class evidencing at least 66% of the Voting Rights allocated to such Class, or (iii) modify the consents required by the immediately preceding clauses (i) and (ii) without the consent of the Holders of all Certificates then outstanding. Notwithstanding any other provision of this Agreement, for purposes of the giving or withholding of consents pursuant to this Section 11.01, Certificates registered in the name of the Depositor or the Master Servicer or any Affiliate thereof shall be entitled to Voting Rights with respect to matters affecting such Certificates.

Notwithstanding any contrary provision of this Agreement, the Trust Administrator shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel to the effect that such amendment will not result in the imposition of any tax on any Trust REMIC pursuant to the REMIC Provisions or cause any Trust REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding.

Prior to executing any amendment pursuant to this Section, the Trust Administrator shall be entitled to receive an Opinion of Counsel (provided by the Person requesting such amendment) to the effect that such amendment is authorized or permitted by this Agreement.

Promptly after the execution of any such amendment the Trust Administrator shall furnish a copy of such amendment to each Certificateholder.

 

 

It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trust Administrator may prescribe.

The cost of any Opinion of Counsel to be delivered pursuant to this Section 11.01 shall be borne by the Person seeking the related amendment, but in no event shall such Opinion of Counsel be an expense of the Trustee or the Trust Administrator.

Notwithstanding the foregoing, each of the Trustee, the Paying Agent, the Certificate Registrar, the Authenticating Agent and Trust Administrator may, but shall not be obligated to enter into any amendment pursuant to this Section that affects its rights, duties and immunities under this Agreement or otherwise.

	
            SECTION 11.02
 	
            Recordation of Agreement; Counterparts.
 

To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Master Servicer at the expense of the Certificateholders, but only upon direction of Certificateholders accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders.

For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument.

	
            SECTION 11.03
 	
            Limitation on Rights of Certificateholders.
 

The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such Certificateholder’s legal representatives or heirs to claim an accounting or to take any action or proceeding in any court for a partition or winding up of the Trust Fund, nor otherwise affect the rights, obligations and liabilities of the parties hereto or any of them.

No Certificateholder shall have any right to vote (except as expressly provided for herein) or in any manner otherwise control the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of any of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof.

No Certificateholder shall have any right by virtue of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless (i) such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and (ii) the Holders of Certificates entitled to at least 25% of the Voting Rights shall have made written request upon the Trustee to institute such action, suit or proceeding in its own 

 

name as Trustee hereunder and shall have offered to the Trustee such indemnity satisfactory to it against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee, for 15 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding. It is understood and intended, and expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatsoever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the equal, ratable and
common benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity.

	
            SECTION 11.04
 	
            Governing Law.
 

This Agreement shall be construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

	
            SECTION 11.05
 	
            Notices.
 

All directions, demands and notices hereunder shall be sent (i) via facsimile (with confirmation of receipt) or (ii) in writing and shall be deemed to have been duly given when received if personally delivered at or mailed by first class mail, postage prepaid, or by express delivery service or delivered in any other manner specified herein, to (a) in the case of the Depositor, 390 Greenwich Street, New York, New York 10013, Attention: Mortgage Finance Group (telecopy number (212) 723-8604), or such other address or telecopy number as may hereafter be furnished to the Master Servicer, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Trustee in writing by the Depositor, (b) in the case of the Master Servicer, Master Servicing Division, 14651 Dallas Parkway, Suite 210, Dallas, TX 75104, Attention: Compliance Manager (telecopy number
972-770-3705) (with a copy to, 1000 Technology Drive, O’Fallon, MO 63304, Attention: Chief Legal Counsel (telecopy number 636-261-6518)) or such other address or telecopy number as may hereafter be furnished to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Depositor in writing by the Master Servicer, (c) in the case of the Trust Administrator, 1000 Technology Drive, M.S. 337, O’Fallon, Missouri  63304, Attention: Mortgage Finance (telecopy number (636) 261-1394), or such other address or telecopy number as may hereafter be furnished to the Trustee, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Depositor in writing by the Master Servicer (d) in the case of the Paying Agent, the Authenticating Agent and the Certificate Registrar, 388 Greenwich Street, 14th Floor, New York, New York 10013, Attention:
Citibank Agency & Trust, CMLTI 2005-8, (telephone number (212) 816-5680), or such other address or telecopy number as may hereafter be furnished to the Master Servicer, the Depositor, the Trust Administrator and the Trustee in writing by the Paying Agent, the Certificate Registrar or the Authenticating Agent and (e) in the case of the Trustee, U.S. Bank National Association, One Federal Street, 3rd Floor, Boston, Massachusetts 02110, Attention: Corporate Trust Services  (telecopy number (617) 603-6638), or such other address or telecopy number as may hereafter be furnished to the Master Servicer, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent and the Depositor in writing by the Trustee. Any notice required or permitted to be given to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such Holder as shown in the Certificate Register. Any notice
so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given when mailed, whether or 

 

not the Certificateholder receives such notice. A copy of any notice required to be telecopied hereunder also shall be mailed to the appropriate party in the manner set forth above.

	
            SECTION 11.06
 	
            Severability of Provisions.
 

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

	
            SECTION 11.07
 	
            Notice to Rating Agencies.
 

The Trust Administrator shall use its best efforts promptly to provide notice to the Rating Agencies, and each of the Master Servicer and the Paying Agent shall use its best efforts promptly to provide notice to the Trust Administrator, with respect to each of the following of which the Trust Administrator, the Master Servicer or the Paying Agent, as applicable,  has actual knowledge:

	
            1.
 	
            Any material change or amendment to this Agreement;
 

2.          The occurrence of any Master Servicer Event of Default that has not been cured or waived;

3.          The resignation or termination of the Master Servicer, the Trust Administrator, the Paying Agent, the Certificate Registrar, the Authenticating Agent or the Trustee;

4.          The repurchase or substitution of Mortgage Loans pursuant to or as contemplated by Section 2.03;

	
            5.
 	
            The final payment to the Holders of any Class of Certificates;
 	
             

	
            6.
 	
            Any change in the location of the Collection Account or the Distribution 

      Account;
 

7.          Any event that would result in the inability of the Trustee, were it to succeed as Master Servicer, to make advances regarding delinquent Mortgage Loans; and

8.          The filing of any claim under the Master Servicer’s blanket bond and errors and omissions insurance policy required by Section 3.14 or the cancellation or material modification of coverage under any such instrument.

In addition, the Trust Administrator shall make available to the Rating Agencies copies of each report to Certificateholders described in Section 4.02 and the Master Servicer, as required pursuant to Section 3.20 and Section 3.21, shall promptly furnish to the Rating Agencies copies of the following:

	
            1.
 	
            Each annual statement as to compliance described in Section 3.20; and
 

2.          Each annual independent public accountants’ servicing report described in Section 3.21.

 

 

Any such notice pursuant to this Section 11.07 shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by first class mail, postage prepaid, or by express delivery service to Standard & Poor’s Ratings Services, a division of the McGraw-Hill Companies, Inc., 55 Water Street, New York, New York 10004; to Moody’s Investors Services, 99 Church Street, New York, New York 10007; and to Fitch Ratings, One State Street Plaza, New York, New York 10007, or such other addresses as the Rating Agencies may designate in writing to the parties hereto.

	
            SECTION 11.08
 	
            Article and Section References.
 

All article and section references used in this Agreement, unless otherwise provided, are to articles and sections in this Agreement.

	
            SECTION 11.09
 	
            Grant of Security Interest.
 

It is the express intent of the parties hereto that the conveyance of the Mortgage Loans by the Depositor to the Trustee be, and be construed as, a sale of the Mortgage Loans by the Depositor and not a pledge of the Mortgage Loans by the Depositor to secure a debt or other obligation of the Depositor. However, in the event that, notwithstanding the aforementioned intent of the parties, the Mortgage Loans are held to be property of the Depositor, then, (a) it is the express intent of the parties that such conveyance be deemed a pledge of the Mortgage Loans by the Depositor to the Trustee to secure a debt or other obligation of the Depositor and (b)(1) this Agreement shall also be deemed to be a security agreement within the meaning of Articles 8 and 9 of the Uniform Commercial Code as in effect from time to time in the State of New York; (2) the conveyance provided for in Section 2.01
hereof shall be deemed to be a grant by the Depositor to the Trustee of a security interest in all of the Depositor’s right, title and interest in and to the Mortgage Loans and all amounts payable to the holders of the Mortgage Loans in accordance with the terms thereof and all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts, other than investment earnings, from time to time held or invested in the Collection Account and the Distribution Account, whether in the form of cash, instruments, securities or other property; (3) the obligations secured by such security agreement shall be deemed to be all of the Depositor’s obligations under this Agreement, including the obligation to provide to the Certificateholders the benefits of this Agreement relating to the Mortgage Loans and the Trust Fund; and (4) notifications to persons holding such property, and
acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from, financial intermediaries, bailees or agents (as applicable) of the Trustee for the purpose of perfecting such security interest under applicable law. Accordingly, the Depositor hereby grants to the Trustee a security interest in the Mortgage Loans and all other property described in clause (2) of the preceding sentence, for the purpose of securing to the Trustee the performance by the Depositor of the obligations described in clause (3) of the preceding sentence. Notwithstanding the foregoing, the parties hereto intend the conveyance pursuant to Section 2.01 to be a true, absolute and unconditional sale of the Mortgage Loans and assets constituting the Trust Fund by the Depositor to the Trustee.

 

 

 

IN WITNESS WHEREOF, the Depositor, the Master Servicer, the Trust Administrator, the Paying Agent, the Authenticating Agent, the Certificate Registrar and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized, in each case as of the day and year first above written.

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC.,
 as Depositor
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
/s/ Peter D. Steinmetz
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            Peter D. Steinmetz
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            Vice President
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIMORTGAGE, INC.,
 as Master Servicer and Trust Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
/s/ Tommy R. Harris
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            Tommy R. Harris
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            Sr. Vice President
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A.,
 as Paying Agent, Certificate Registrar and Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
/s/ Jennifer McCourt
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            Jennifer McCourt
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            Vice President
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            U.S. BANK NATIONAL ASSOCIATION, not in its individual capacity but solely as Trustee
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
/s/ Claire M. O’Brien
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            Claire M. O’Brien
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            Vice President
 
																

 

 

 

	
            STATE OF NEW YORK
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF NEW YORK
 	
            )
 	
             
 

 

On the ____ day of October 2005, before me, a notary public in and for said State, personally appeared ___________________, known to me to be an ______________________ of Citigroup Mortgage Loan Trust Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.

 

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 

 

[Notarial Seal]

 

 

 

	
            STATE OF_____________
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF___________
 	
            )
 	
             
 

 

On the ____ day of October 2005, before me, a notary public in and for said State, personally appeared ____________________, known to me to be a _____________________ of CitiMortgage, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.

 

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 

 

[Notarial Seal]

 

 

 

	
            STATE OF NEW YORK
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF NEW YORK
 	
            )
 	
             
 

 

On the ____ day of October 2005, before me, a notary public in and for said State, personally appeared _____________________, known to me to be an ____________________ of Citibank, N.A., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official the day and year in this certificate first above written.

 

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 

 

[Notarial Seal]

 

 

 

	
            STATE OF_____________
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF___________
 	
            )
 	
             
 

 

On the ____ day of October, 2005, before me, a notary public in and for said State, personally appeared _______________________________________, known to me to be a ____________________ of U.S. Bank National Association, one of the entities that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such entity executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.

 

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 

 

[Notarial Seal]

 

 

 

 

 

EXHIBIT A-1

FORM OF CLASS I-A1A CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-A1A Certificates as of the Issue Date: $56,419,000

Denomination: $56,419,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G E2 0
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-A1A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-A1A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-A1A Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-2

FORM OF CLASS I-A1B CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-A1B Certificates as of the Issue Date: $2,961,000

Denomination: $2,961,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G E3 8
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-A1B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-A1B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-A1B Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	

             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-3

FORM OF CLASS I-A2A CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-A2A Certificates as of the Issue Date: $40,514,000

Denomination: $40,514,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G E4 6
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-A2A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-A2A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-A2A Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	

             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-4

FORM OF CLASS I-A2B CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-A2B Certificates as of the Issue Date: $2,126,000

Denomination: $2,126,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G E5 3
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-A2B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-A2B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-A2B Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-5

FORM OF CLASS I-A3A CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-A3A Certificates as of the Issue Date: $95,299,000

Denomination: $95,299,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G E6 1
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-A3A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-A3A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-A3A Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-6

FORM OF CLASS I-A3B CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-A3B Certificates as of the Issue Date: $5,002,000

Denomination: $5,002,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G E7 9
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-A3B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-A3B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-A3B Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT – Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

EXHIBIT A-7

 

FORM OF CLASS I-A4A CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-A4A Certificates as of the Issue Date: $252,440,000

Denomination: $252,440,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G E8 7
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-A4A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-A4A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-A4A Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-8

FORM OF CLASS I-A4B CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-A4B Certificates as of the Issue Date: $13,250,000

Denomination: $13,250,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G E9 5
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE. 

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-A4B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-A4B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-A4B Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-9

FORM OF CLASS I-P CERTIFICATE

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS THAT ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), SHALL BE MADE EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.  

 

	
            Series 2005-8

Pass-Through Rate: None

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-P Certificates as of the Issue Date: $100

Denomination: $100

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G F6 0
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Citigroup Global Markets Inc. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-P Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-P Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.
This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

This Certificate does not have a pass-through rate and will be entitled to distributions only to the extent set forth in the Agreement

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-P Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and 

 

surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the 

 

owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made pursuant to an effective registration statement under the Securities Act of 1933, as amended (the “1933 Act”), and an effective registration or qualification under applicable state securities laws, or is made in a transaction that does not require such registration or qualification. In the event that such a transfer of this Certificate is to be made without registration or qualification, the Certificate Registrar shall require receipt of (i) if such transfer is purportedly being made in reliance upon Rule 144A under the 1933 Act, written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1, and (ii) in all other cases, an Opinion of Counsel satisfactory to it that
such transfer may be made without such registration or qualification (which Opinion of Counsel shall not be an expense of the Trust Fund or of the Depositor, the Trustee, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent or the Master Servicer in their respective capacities as such), together with copies of the written certification(s) of the Holder of the Certificate desiring to effect the transfer and/or such Holder's prospective transferee upon which such Opinion of Counsel is based. None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust
Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

 

 

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual
 capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST
 INC., MORTGAGE PASS THROUGH
 CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual
 capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
            
 
 
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-10

FORM OF CLASS I-B1 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP I SENIOR CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class I-B1 Certificates as of the Issue Date: $10,073,000

Denomination: $10,073,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G F3 7
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE 

 

PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-B1 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-B1 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-B1 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and 

 

surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-11

FORM OF CLASS I-B2 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP I SENIOR CERTIFICATES AND THE CLASS I-B1 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class I-B2 Certificates as of the Issue Date: $4,668,000

Denomination: $4,668,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G F4 5
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET 

 

FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-B2 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-B2 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This Certificate is
issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-B2 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice 

 

by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-12

FORM OF CLASS I-B3 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP I SENIOR CERTIFICATES, THE CLASS I-B1 CERTIFICATES AND THE CLASS I-B2 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class I-B3 Certificates as of the Issue Date: $2,702,000

Denomination: $2,702,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G F5 2
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET 

 

FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-B3 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-B3 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-B3 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice 

 

by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-13

FORM OF CLASS I-B4 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP I SENIOR CERTIFICATES, THE CLASS I-B1 CERTIFICATES, THE CLASS I-B2 CERTIFICATES AND THE CLASS I-B3 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-B4 Certificates as of the Issue Date: $2,457,000

Denomination: $2,457,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G J2 5
 
	
             
 	
             
 

 

 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-B4 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-B4 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-B4 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person 

 

entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

 

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-14

FORM OF CLASS I-B5 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP I SENIOR CERTIFICATES, THE CLASS I-B1 CERTIFICATES, THE CLASS I-B2 CERTIFICATES, THE CLASS I-B3 CERTIFICATES AND THE CLASS I-B4 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-B5 Certificates as of the Issue Date: $1,720,000

Denomination: $1,720,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G J3 3
 

 

 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co.. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-B5 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-B5 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-B5 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such 

 

Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-15

FORM OF CLASS I-B6 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP I SENIOR CERTIFICATES, THE CLASS I-B1 CERTIFICATES, THE CLASS I-B2 CERTIFICATES, THE CLASS I-B3 CERTIFICATES, THE CLASS I-B4 CERTIFICATES AND THE CLASS I-B5 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

  

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class I-B6 Certificates as of the Issue Date: $1,718,634

Denomination: $1,718,634

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G J4 1
 

 

 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A. THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class I-B6 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class I-B6 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-B6 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person 

 

entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-16

FORM OF CLASS I-R CERTIFICATE

THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES PERSON.

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “RESIDUAL INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT” (“REMIC”), AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OTHER CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN AFFIDAVIT TO THE TRUSTEE THAT (A) SUCH TRANSFEREE IS NOT (1) THE UNITED STATES OR ANY POSSESSION THEREOF, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (3) ANY ORGANIZATION DESCRIBED IN SECTION 1381(A)(2)(C) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (1), (2) OR (3) SHALL HEREINAFTER BE REFERRED TO AS A “DISQUALIFIED ORGANIZATION”) OR (4) AN AGENT OF A DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF
SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF 

 

NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON THAT IS A DISQUALIFIED ORGANIZATION IS PROHIBITED FROM ACQUIRING BENEFICIAL OWNERSHIP OF THIS CERTIFICATE.

 

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class I-R Certificates as of the Issue Date: $100.12

Denomination: $100.12

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G F2 9
 

 

 

 

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUSTEE, THE TRUST ADMINSITRATOR, CITIBANK, N.A. OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Citigroup Global Markets, Inc. is the registered owner of the Percentage Interest evidenced by this Certificate specified above in that certain beneficial ownership interest evidenced by all the Class I-R Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to
which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class I-R Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the 

 

“Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

Prior to registration of any transfer, sale or other disposition of this Certificate, the proposed transferee shall provide to the Certificate Registrar (i) an affidavit to the effect that such transferee is any Person other than a Disqualified Organization or the agent (including a 

 

broker, nominee or middleman) of a Disqualified Organization, and (ii) a certificate that acknowledges that (A) the Class R Certificates have been designated as a residual interest in a REMIC, (B) it will include in its income a pro rata share of the net income of the Trust Fund and that such income may be an “excess inclusion,” as defined in the Code, that, with certain exceptions, cannot be offset by other losses or benefits from any tax exemption, and (C) it expects to have the financial means to satisfy all of its tax obligations including those relating to holding the Class R Certificates. Notwithstanding the registration in the Certificate Register of any transfer, sale or other disposition of this Certificate to a Disqualified Organization or an agent (including a broker, nominee or middleman) of a Disqualified Organization, such registration
shall be deemed to be of no legal force or effect whatsoever and such Person shall not be deemed to be a Certificateholder for any purpose, including, but not limited to, the receipt of distributions in respect of this Certificate.

The Holder of this Certificate, by its acceptance hereof, shall be deemed to have consented to the provisions of Section 5.02 of the Agreement and to any amendment of the Agreement deemed necessary by counsel of the Depositor to ensure that the transfer of this Certificate to any Person other than a Permitted Transferee or any other Person will not cause any Trust Fund to cease to qualify as a REMIC or cause the imposition of a tax upon the REMIC.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT A-17

FORM OF CLASS II-A1 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Certificate Principal Balance of the Class II-A1 Certificates as of the Issue Date: $136,000,000

Denomination: $136,000,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G F7 8
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-A1 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-A1 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-A1 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-18

FORM OF CLASS II-A2 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: Variable

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Notional Amount of the Class II-A2 Certificates as of the Issue Date: $136,000,000

Denomination: $136,000,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G F8 6
 

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL VARY MONTHLY.  ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY VARY FROM THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class II-A2 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-A2 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This Certificate is issued
under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-A2 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-19

FORM OF CLASS II-A3 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Certificate Principal Balance of the Class II-A3 Certificates as of the Issue Date: $14,900,000

Denomination: $14,900,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G F9 4
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-A3 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-A3 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-A3 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-20

FORM OF CLASS II-A4A CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Certificate Principal Balance of the Class II-A4A Certificates as of the Issue Date: $21,905,000

Denomination: $21,905,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G G2 8
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-A4A Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-A4A Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-A4A Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-21

FORM OF CLASS II-A4B CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Certificate Principal Balance of the Class II-A4B Certificates as of the Issue Date: $1,095,000

Denomination: $1,095,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G G3 6
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-A4B Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-A4B Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-A4B Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-22

FORM OF CLASS II-A5 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Certificate Principal Balance of the Class II-A5 Certificates as of the Issue Date: $59,550,000

Denomination: $59,550,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G G4 4
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-A5 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-A5 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-A5 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            Account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-23

FORM OF CLASS II-XS CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Notional Amount of the Class II-XS Certificates as of the Issue Date: $18,590,294

Denomination:   $18,590,294

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G G7 7
 

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL VARY MONTHLY.  ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY VARY FROM THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class II-XS Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-XS Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This Certificate is issued
under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-XS Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-24

FORM OF CLASS II-PO CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: None

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Certificate Principal Balance of the Class II-PO Certificates as of the Issue Date: $984,590

Denomination: $984,590

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G G6 9
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-PO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-PO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-PO Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October__, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT A-25

FORM OF CLASS II-B1 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP I SENIOR CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class II-B1 Certificates as of the Issue Date: $4,962,000

Denomination: $4,962,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G G8 5
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE 

 

PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-B1 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-B1 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-B1 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and 

 

surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

 

EXHIBIT A-26

FORM OF CLASS II-B2 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP II SENIOR CERTIFICATES AND THE CLASS II-B1 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class II-B2 Certificates as of the Issue Date: $3,225,000

Denomination: $3,225,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G G9 3
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET 

 

FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-B2 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-B2 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This Certificate
is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-B2 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice 

 

by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT A-27

FORM OF CLASS II-B3 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP II SENIOR CERTIFICATES, THE CLASS II-B1 CERTIFICATES AND THE CLASS II-B2 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class II-B3 Certificates as of the Issue Date: $1,985,000

Denomination: $1,985,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G H2 7
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET 

 

FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-B3 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-B3 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-B3 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice 

 

by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

  EXHIBIT A-28

FORM OF CLASS II-B4 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP II SENIOR CERTIFICATES, THE GROUP II-B1 CERTIFICATES, THE GROUP II-B3 CERTIFICATES AND THE GROUP II-B3 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class II-B4 Certificates as of the Issue Date: $1,613,000

Denomination: $1,613,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G J5 8
 
	
             
 	
             
 

 

 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-B4 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-B4 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-B4 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person 

 

entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT A-29

FORM OF CLASS II-B5 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP II SENIOR CERTIFICATES, THE GROUP II-B1 CERTIFICATES, THE GROUP II-B2 CERTIFICATES, THE GROUP II-B3 CERTIFICATES AND THE GROUP II-B4 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class II-B5 Certificates as of the Issue Date: $1,116,000

Denomination: $1,116,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G J6 6
 

 

 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-B5 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-B5 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-B5 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such 

 

Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit 

 

under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

 

EXHIBIT A-30

FORM OF CLASS II-B6 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP II SENIOR CERTIFICATES, THE GROUP II-B1 CERTIFICATES, THE GROUP II-B2 CERTIFICATES, THE GROUP II-B3 CERTIFICATES, THE GROUP II-B4 CERTIFICATES AND THE GROUP II-B5 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

  

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class II-B6 Certificates as of the Issue Date: $740,188

Denomination: $740,188

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

 

CUSIP: 17307G J7 4
 

 

 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A. THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class II-B6 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class II-B6 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-B6 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such 

 

Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	

             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

EXHIBIT A-31

FORM OF CLASS II-R CERTIFICATE

THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES PERSON.

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “RESIDUAL INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT” (“REMIC”), AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OTHER CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN AFFIDAVIT TO THE TRUSTEE THAT (A) SUCH TRANSFEREE IS NOT (1) THE UNITED STATES OR ANY POSSESSION THEREOF, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (3) ANY ORGANIZATION DESCRIBED IN SECTION 1381(A)(2)(C) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (1), (2) OR (3) SHALL HEREINAFTER BE REFERRED TO AS A “DISQUALIFIED ORGANIZATION”) OR (4) AN AGENT OF A DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF
SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF 

 

NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON THAT IS A DISQUALIFIED ORGANIZATION IS PROHIBITED FROM ACQUIRING BENEFICIAL OWNERSHIP OF THIS CERTIFICATE.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class II-R Certificates as of the Issue Date: $100.95

Denomination: $100.95

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G G5 1 
 

 

 

 

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUSTEE, THE TRUST ADMINSITRATOR, CITIBANK, N.A. OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Citigroup Global Markets, Inc. is the registered owner of the Percentage Interest evidenced by this Certificate specified above in that certain beneficial ownership interest evidenced by all the Class II-R Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to
which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class II-R Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the 

 

“Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

Prior to registration of any transfer, sale or other disposition of this Certificate, the proposed transferee shall provide to the Certificate Registrar (i) an affidavit to the effect that such transferee is any Person other than a Disqualified Organization or the agent (including a 

 

broker, nominee or middleman) of a Disqualified Organization, and (ii) a certificate that acknowledges that (A) the Class R Certificates have been designated as a residual interest in a REMIC, (B) it will include in its income a pro rata share of the net income of the Trust Fund and that such income may be an “excess inclusion,” as defined in the Code, that, with certain exceptions, cannot be offset by other losses or benefits from any tax exemption, and (C) it expects to have the financial means to satisfy all of its tax obligations including those relating to holding the Class R Certificates. Notwithstanding the registration in the Certificate Register of any transfer, sale or other disposition of this Certificate to a Disqualified Organization or an agent (including a broker, nominee or middleman) of a Disqualified Organization, such registration
shall be deemed to be of no legal force or effect whatsoever and such Person shall not be deemed to be a Certificateholder for any purpose, including, but not limited to, the receipt of distributions in respect of this Certificate.

The Holder of this Certificate, by its acceptance hereof, shall be deemed to have consented to the provisions of Section 5.02 of the Agreement and to any amendment of the Agreement deemed necessary by counsel of the Depositor to ensure that the transfer of this Certificate to any Person other than a Permitted Transferee or any other Person will not cause any Trust Fund to cease to qualify as a REMIC or cause the imposition of a tax upon the REMIC.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT A-32

FORM OF CLASS III-A1 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Certificate Principal Balance of the Class III-A1 Certificates as of the Issue Date: $82,898,000

Denomination: $82,898,000

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP:  17307G H3 5
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class III-A1 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-A1 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-A1 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___,_, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            

 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-33

FORM OF CLASS III-B1 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP III SENIOR CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class III-B1 Certificates as of the Issue Date: $1,577,000

Denomination: $1,577,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G H7 6
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE 

 

PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class III-B1 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-B1 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-B1 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and 

 

surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

 

 

 

EXHIBIT A-34

FORM OF CLASS III-B2 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP III SENIOR CERTIFICATES AND THE CLASS III-B1 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class III-B2 Certificates as of the Issue Date: $788,000

Denomination: $788,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G H8 4
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET 

 

FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class III-B2 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-B2 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-B2 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice 

 

by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT A-35

FORM OF CLASS III-B3 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP III SENIOR CERTIFICATES, THE CLASS III-B1 CERTIFICATES AND THE CLASS III-B2 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class III-B3 Certificates as of the Issue Date: $569,000

Denomination: $569,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G H9 2
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET 

 

FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class III-B3 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-B3 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-B3 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice 

 

by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other 

 

governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

  EXHIBIT A-36

FORM OF CLASS III-B4 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP III SENIOR CERTIFICATES, THE GROUP III-B1 CERTIFICATES, THE GROUP III-B2 AND THE GROUP III-B3 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class III-B4 Certificates as of the Issue Date: $394,000

Denomination: $394,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G J8 2
 
	
             
 	
             
 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET 

 

FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class III-B4 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-B4 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-B4 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice 

 

by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, 

 

N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT A-37

FORM OF CLASS III-B5 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP III SENIOR CERTIFICATES, THE GROUP III-B1 CERTIFICATES, THE GROUP III-B2 CERTIFICATES, THE GROUP III-B3 CERTIFICATES AND THE GROUP III-B4 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class III-B5 Certificates as of the Issue Date: $263,000

Denomination: $263,000

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G J9 0
 

 

 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class III-B5 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-B5 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-B5 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person 

 

entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-38

FORM OF CLASS III-B6 CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

THIS CERTIFICATE IS SUBORDINATE TO THE GROUP III SENIOR CERTIFICATES, THE GROUP III-B1 CERTIFICATES, THE GROUP III-B2 CERTIFICATES, THE GROUP III-B3 CERTIFICATES, THE GROUP III-B4 CERTIFICATES AND THE GROUP III-B5 CERTIFICATS TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

  

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1
 	
            Aggregate Certificate Principal Balance of the Class III-B6 Certificates as of the Issue Date: $350,437

Denomination: $350,437

Master Servicer: CitiMortgage, Inc.

Trust Administrator: CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

 

CUSIP: 17307G K2 3
 

 

 

 

 

 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A. THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class III-B6 Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-B6 Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-B6 Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such 

 

Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.  Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

No transfer of this Certificate shall be made unless the transfer is made to a “qualified institutional buyer” as defined under Rule 144A under the Securities Act of 1933, as amended (the “1933 Act”), in a transaction that is exempt from the registration requirements of the 1933 Act and that does not require registration or qualification under applicable state securities laws. In the event that a transfer of this Certificate is to be made, the Certificate Registrar shall require receipt of written certifications from the Holder of the Certificate desiring to effect the transfer, and from such Holder's prospective transferee, substantially in the forms attached to the Agreement as Exhibit F-1.  None of the Depositor or the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or
to take any action not otherwise required under the Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee, the Depositor, the Trust Administrator, the Certificate Registrar, the Paying Agent, the Authenticating Agent and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

 

 

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-39

FORM OF CLASS III-XS CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Notional Amount of the Class III-XS Certificates as of the Issue Date: $4,507,431

Denomination:   $4,507,431

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G H5 0
 

 

THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL VARY MONTHLY.  ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT HEREOF AT ANY TIME MAY VARY FROM THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE  PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Notional Amount of the Class III-XS Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-XS Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This Certificate is
issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-XS Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-40

FORM OF CLASS III-PO CERTIFICATE

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

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

	
            Series 2005-8

Pass-Through Rate: None

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No. 1

 
 	
            Aggregate Certificate Principal Balance of the Class III-PO Certificates as of the Issue Date: $754,919

Denomination: $754,919

Master Servicer:  CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G H4 3
 

 

DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS THE DENOMINATION OF THIS CERTIFICATE.

 

 

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a  Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUST ADMINISTRATOR, CITIBANK, N.A., THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Cede & Co. is the registered owner of a Percentage Interest (obtained by dividing the denomination of this Certificate by the aggregate Certificate Principal Balance of the Class III-PO Certificates as of the Issue Date) in that certain beneficial ownership interest evidenced by all the Class III-PO Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This
Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-PO Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

 

 

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the “Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided  in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October__, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT 41

FORM OF CLASS III-R CERTIFICATE

THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES PERSON.

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “RESIDUAL INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT” (“REMIC”), AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OTHER CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN AFFIDAVIT TO THE TRUSTEE THAT (A) SUCH TRANSFEREE IS NOT (1) THE UNITED STATES OR ANY POSSESSION THEREOF, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (3) ANY ORGANIZATION DESCRIBED IN SECTION 1381(A)(2)(C) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (1), (2) OR (3) SHALL HEREINAFTER BE REFERRED TO AS A “DISQUALIFIED ORGANIZATION”) OR (4) AN AGENT OF A DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF
SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF 

 

NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON THAT IS A DISQUALIFIED ORGANIZATION IS PROHIBITED FROM ACQUIRING BENEFICIAL OWNERSHIP OF THIS CERTIFICATE.

 

	
            Series 2005-8

Pass-Through Rate: 5.50%

Cut-off Date and date of Pooling and Servicing Agreement: October 1, 2005

First Distribution Date: November 25, 2005

No.1  
 	
            Aggregate Certificate Principal Balance of the Class III-R Certificates as of the Issue Date: $101.14

Denomination: $101.14

Master Servicer: CitiMortgage, Inc.

Trust Administrator:  CitiMortgage, Inc.

Certificate Registrar, Paying Agent and Authenticating Agent: Citibank, N.A.

Trustee: U.S. Bank National Association

Issue Date: October 31, 2005

CUSIP: 17307G H6 8
 

 

 

 

MORTGAGE PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the “Trust Fund”) consisting primarily of a pool of conventional one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans (the “Mortgage Loans”) formed and sold by

CITIGROUP MORTGAGE LOAN TRUST INC.

THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN CITIGROUP MORTGAGE LOAN TRUST INC., THE MASTER SERVICER, THE TRUSTEE, THE TRUST ADMINSITRATOR, CITIBANK, N.A. OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

This certifies that Citigroup Global Markets, Inc. is the registered owner of the Percentage Interest evidenced by this Certificate specified above in that certain beneficial ownership interest evidenced by all the Class III-R Certificates in the Trust Fund created pursuant to a Pooling and Servicing Agreement, dated as specified above (the “Agreement”), among Citigroup Mortgage Loan Trust Inc. (hereinafter called the “Depositor,” which term includes any successor entity under the Agreement), the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee, a summary of certain of the pertinent provisions of which is set forth hereafter.  To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement.  This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to
which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, distributions will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered on the Record Date, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to the Holders of Class III-R Certificates on such Distribution Date pursuant to the Agreement.

All distributions to the Holder of this Certificate under the Agreement will be made or caused to be made by the Paying Agent by wire transfer in immediately available funds to the account of the Person entitled thereto if such Person shall have so notified the Paying Agent in writing at least five Business Days prior to the Record Date immediately prior to such Distribution Date or otherwise by check mailed by first class mail to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Paying Agent for that purpose as provided in the Agreement.

This Certificate is one of a duly authorized issue of Certificates designated as Mortgage Pass-Through Certificates of the Series specified on the face hereof (herein called the 

 

“Certificates”) and representing the Percentage Interest specified above in the Class of Certificates to which this Certificate belongs.

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. As provided in the Agreement, withdrawals from the Collection Account and the Distribution Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement of advances made, or certain expenses incurred, with respect to the Mortgage Loans.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee and the rights of the Certificateholders, under the Agreement at any time by the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. and the Trustee with the consent of the Holders of Certificates entitled to at least 66% of the Voting Rights. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without
the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Certificate Registrar as provided in the Agreement, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by, the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any Person using “Plan Assets” to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Certificates are issuable in fully registered form only without coupons in Classes and denominations representing Percentage Interests specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, the Certificates are exchangeable for new Certificates of the same Class in authorized denominations evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.  No service charge will be made for any such registration of transfer or exchange of Certificates, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

Prior to registration of any transfer, sale or other disposition of this Certificate, the proposed transferee shall provide to the Certificate Registrar (i) an affidavit to the effect that such transferee is any Person other than a Disqualified Organization or the agent (including a 

 

broker, nominee or middleman) of a Disqualified Organization, and (ii) a certificate that acknowledges that (A) the Class R Certificates have been designated as a residual interest in a REMIC, (B) it will include in its income a pro rata share of the net income of the Trust Fund and that such income may be an “excess inclusion,” as defined in the Code, that, with certain exceptions, cannot be offset by other losses or benefits from any tax exemption, and (C) it expects to have the financial means to satisfy all of its tax obligations including those relating to holding the Class R Certificates. Notwithstanding the registration in the Certificate Register of any transfer, sale or other disposition of this Certificate to a Disqualified Organization or an agent (including a broker, nominee or middleman) of a Disqualified Organization, such registration
shall be deemed to be of no legal force or effect whatsoever and such Person shall not be deemed to be a Certificateholder for any purpose, including, but not limited to, the receipt of distributions in respect of this Certificate.

The Holder of this Certificate, by its acceptance hereof, shall be deemed to have consented to the provisions of Section 5.02 of the Agreement and to any amendment of the Agreement deemed necessary by counsel of the Depositor to ensure that the transfer of this Certificate to any Person other than a Permitted Transferee or any other Person will not cause any Trust Fund to cease to qualify as a REMIC or cause the imposition of a tax upon the REMIC.

The Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee and any agent of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A. or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, the Trust Administrator, Citibank, N.A., the Trustee, nor any such agent shall be affected by notice to the contrary.

The obligations created by the Agreement and the Trust Fund created thereby shall terminate upon payment to the Certificateholders of all amounts held by the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan and REO Property remaining in the Trust Fund and (ii) the purchase by the party designated in the Agreement at a price determined as provided in the Agreement from the Trust Fund of all the Mortgage Loans and all property acquired in respect of such Mortgage Loans. The Agreement permits, but does not require, the party designated in the Agreement to purchase from the Trust Fund all the Mortgage Loans in the Collateral Pool relating to this Certificate and all property acquired in respect of any Mortgage Loan in such Collateral Pool at a
price determined as provided in the Agreement. The exercise of such right will effect early retirement of the Certificates relating to such Collateral Pool; however, such right to purchase is subject to the aggregate Stated Principal Balance of the Mortgage Loans in such Collateral Pool at the time of purchase being less than 10% of the aggregate principal balance of the Mortgage Loans in such Collateral Pool as of the Cut-off Date.

The recitals contained herein shall be taken as statements of the Depositor, and the Trustee assumes no responsibility for their correctness.

Unless the certificate of authentication hereon has been executed by the Authenticating Agent, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Paying Agent has caused this Certificate to be duly executed.

Dated: October___, 2005

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIBANK, N.A., not in its individual capacity, but solely as Paying Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN TRUST INC., MORTGAGE PASS THROUGH CERTIFICATES, SERIES 2005-8

 

CITIBANK, N.A., not in its individual capacity, but solely as Authenticating Agent
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Officer
 

 

 

 

 

 

ABBREVIATIONS

The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they were written out in full according to applicable laws or regulations:

	
            TEN COM     -
 	
            as tenants in common
 	
            UNIF GIFT MIN ACT - Custodian
 
	
             
 	
             
 	
             
 	
             
 
	
            TEN ENT       -
 	
            as tenants by the entireties
 	
            (Cust) (Minor) under

Uniform Gifts to Minors Act
 
	
             
 	
             
 	
             
 	
             
 
	
            JT TEN           -
 	
            as joint tenants with right of survivorship and not as tenants in common
 	
             
 	
            _________________
 State
 

 

Additional abbreviations may also be used though not in the above list.

ASSIGNMENT

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

 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

(Please print or typewrite name, address including postal zip code, and Taxpayer Identification Number of assignee) a Percentage Interest equal to ____% evidenced by the within Mortgage Pass-Through Certificates and hereby authorize(s) the registration of transfer of such interest to assignee on the Certificate Register of the Trust Fund.

I (we) further direct the Trustee to issue a new Certificate of a like Percentage Interest and Class to the above named assignee and deliver such Certificate to the following address: 

	
             
 	
             
 	
             
 
	
             
 	
             
 	
            .
 

 

Dated:

	
             
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

EXHIBIT B

[Reserved]

 

 

 

 

 

 

EXHIBIT C

FORM OF CAP CONTRACT

 

 

[CITIGROUP LOGO]

 

CONFIRMATION

 

	
            DATE:
 	
            October 31, 2005
 

 

	
            TO:
 	
            U.S. Bank National Association, not in its individual capacity, but solely as Trustee for the Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8 (“Party B”)
 

c/o Citibank N.A. – Jennifer McCourt

388 Greenwich Street, 14th floor

New York, NY  10013, USA

Tel: (212) 816-5680

Fax: (212) 816-5527

 

	
            FROM:
 	
            Citibank N.A.  (“Party A”)
 	
             

	
             
 	
            Confirmations Unit
 	
             

	
             
 	
            333 West 34th Street, 2nd Floor
 
	
             
 	
            New York, NY  10001, USA
 	
             

	
             
 	
            Tel: (212) 615-8981
 	
             

	
             
 	
            Fax: (212) 615-8985
 	
             

							

 

	
            RE:
 	
            CORRIDOR TRANSACTION Class II-A1 Certificates
 

 

Our Reference Numbers: CPC3899 / CPC3900

 

Dear Sir or Madam:

 

The purpose of this letter agreement is to confirm the terms and conditions of the above referenced transaction entered into between U.S. Bank National Association, not in its individual capacity, but solely as Trustee for the Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8 (“Party B”) and Citibank N.A., New York (‘Party A’) on the Trade Date specified below (the ‘Transaction’).

 

This letter agreement constitutes a “Confirmation” and the definitions and provisions contained in the 2000 ISDA Definitions (the “Definitions”) as published by the International Swaps and Derivatives Association, Inc., (“ISDA”) are incorporated into this Confirmation. In the event of any inconsistency between the Definitions and this Confirmation, this Confirmation will govern.  The parties agree that the Transaction to which this Confirmation relates shall be governed by a single ISDA Master Agreement, in the pre-printed form of the 1992 ISDA Master Agreement (Multicurrency-Cross Border) promulgated by ISDA which is incorporated by reference herein, to be read with Schedule B, attached hereto and made a part hereof, as the Schedule (such ISDA Master Agreement with the Schedule attached hereto collectively, the “ISDA Form Agreement”).  In the event of any
inconsistency between the provisions of the Master Agreement and this Confirmation and the attached Schedule B, this Confirmation and the attached schedules will govern.

 

Other capitalized terms used herein (but not otherwise defined) shall have the meaning specified in the Pooling and Servicing Agreement, dated as of October 1, 2005 (the “Pooling and Servicing Agreement”) among Citigroup Mortgage Loan Trust Inc., as Depositor, CitiMortgage, Inc., as Master Servicer and Trust Administrator, Citibank, N.A., as Paying Agent, Certificate Registrar and Authenticating Agent, and U.S. Bank National Association, as Trustee.

 

 

1.            This Confirmation evidences a complete binding agreement between the parties as to the terms of the Transaction to which this Confirmation relates.  In addition, each party represents to the other party and will be deemed to represent to the other party on the date on which it enters into a Transaction that (absent a written agreement between the parties that expressly imposes affirmative obligations to the contrary for that Transaction):

 

	
            (i)
 	
            Principal.  In the case of each of Party A and Party B, it is acting as principal and not as agent when entering into the Transaction.
 

 

	
            (ii)
 	
            Non-Reliance.  In the case of each party, it is acting for its own account, it has made its own independent decisions to enter into the Transaction and as to whether the Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary.  It is not relying on any communication (written or oral) of the other party as investment advice or as a recommendation to enter into the Transaction; it being understood that information and explanations related to the terms and conditions of the Transaction shall not be considered investment advice or a recommendation to enter into the Transaction.  No communication (written or oral) received from the other party shall be deemed to be an assurance or guarantee as to the expected results of that Transaction.
 

 

	
            (iii)
 	
            Evaluation and Understanding.  It is capable of evaluating and understanding (on its own behalf or through independent professional advice), and understands and accepts, the terms, conditions and risks of the Agreement and the Transaction.  It is also capable of assuming, and assumes, the financial and other risks of the Agreement and the Transaction.
 

 

	
            (iv)
 	
            Status of Parties.  The other party is not acting as an agent, fiduciary or advisor for it in respect of that Transaction
 

 

	
            2.
 	
            The terms of the particular Transaction to which this Confirmation relates are as follows:
 

 

 

	
            Notional Amount:

 
 	
            With respect to any Calculation Period, the amount set forth in Schedule A attached hereto opposite such Calculation Period under the heading ‘Notional Amount.’

 
 
	
            Trade Date:

 
 	
            October 31, 2005
 
	
            Effective Date:

 
 	
            October 31, 2005
 
	
            Termination Date:
 	
            May 25, 2014, subject to adjustment in accordance with the Following Business Day Convention.
 
	
            Fixed Amounts:

 
 	
             
 

 

 

 

 

	
            Fixed Rate Payer:
 	
            Party B; provided that the payment of the Fixed Amount to Party A has been made, on behalf of Party B, by Citigroup Global Markets Inc. from the proceeds of the sale of the Certificates

 
 
	
            Fixed Rate Payer Payment Date:
 	
            October 31, 2005

 
 
	
             
	
            Fixed Amount:

 
 	
            $1,270,000
 	
             

	
            Floating Amounts:

 
 	
             
 
	
            Floating Rate Payer:

 
 	
            Party A

 
 
	
            Cap Rate:
 	
            4.80%

 
 
	
            Floating Rate Payer Period End Dates:
 	
            The 25th day of each month, commencing on November 25, 2005, subject to adjustment in accordance with the Following Business Day Convention

 
 
	
            Floating Rate Payer Payment Dates:

 
 	
            Early Payment shall be applicable.  The Floating Rate Payer Payment Dates shall be two (2) Business Days prior to each Floating Rate Payer Period End Date

 

 
 
	
            Floating Rate Option:

 
 	
            USD-LIBOR-BBA; provided, however, that if the Floating Rate determined from such Floating Rate Option for any Calculation Period is greater than 8.80%, then the Floating Rate for such Calculation Period shall be deemed to be 8.80%

 
 
	
            Designated Maturity:

 
 	
            One month
 
	
            Spread:

 
 	
            None
 
	
            Floating Rate Day Count Fraction:

 
 	
            30/360
 
	
            Reset Dates:

 
 	
            The first day of each Calculation Period.
 
	
            Compounding:

 
 	
            Inapplicable
 
	
            Business Days:

 
 	
            New York and London

 
 
	
            Calculation Agent:

 
 	
            Party A; provided, however, that if an Event of Default occurs with respect to Party A, then Party B shall be entitled to appoint a financial institution which would qualify as a Reference Market-Maker to act as Calculation Agent (such financial institution subject to Party A’s consent).
 
				

 

 

 

	
            3. 
 	
            Recording of Conversations
 

Each party (i) consents to the recording of the telephone conversations of trading and marketing personnel of the parties, (ii) agrees to obtain any necessary consent of, and give notice of such recording to, such personnel of it, and (iii) agrees that recordings may be submitted in evidence in any proceedings relating to this Agreement or any potential Transaction.

	
             
 
	
            4.   Account Details:

 
 	
             
 
	
            Account for payments to Party A:
 	
            Citibank N.A. New York

BIC:  CITIUS33

ACCOUNT NO 00167679

ACCOUNT NAME:  FINANCIAL FUTURES

Ref:  CPC3899 / CPC3900

 
 
	
            Account for payments to Party B:

 
 	
            Citibank, N.A.

ABA#021000089

Account No. 3617-2242

Further Credit Acct#105553

Ref:CMLTI 2005-8 Distribution Account

 
 
	
            5.   Offices:

 
 	
             
 
	
            The Office of Party A for this Transaction is:

 

The Office of Party B for this Transaction:
 	
            New York, NY

 

New York, NY

 

 

 
 
			

 

 

 

 

	
            6.       Trustee Capacity. 

 

 
 	
            It is expressly understood and agreed by the parties hereto that: (a) the sole recourse in respect of the obligations of Party B hereunder shall be to the Trust Fund (as defined in the Pooling and Servicing Agreement); (b) US Bank is entering into this Confirmation solely in its capacity as trustee under the Pooling and Servicing Agreement and not in its individual capacity; (c) in no case shall US Bank (or any person acting as successor trustee under the Pooling and Servicing Agreement) be personally liable for or on account of any of the statements, representations, warranties, covenants or obligations stated to be those of Party B under the terms of this Confirmation, all such liability, if any, being expressly waived by Party A and any person claiming by, through or under Party A; and (d)
and (d) the parties hereto acknowledge and agree that under the Pooling and Servicing Agreement and in connection with this Agreement, Citibank, N.A., as Paying Agent under the Pooling and Servicing Agreement (in such capacity, the “Paying Agent”) may act for Party B hereunder, and Party A hereby acknowledges and agrees that it will, unless otherwise directed by the Trustee under the Pooling and Servicing Agreement, make all payments hereunder to, and otherwise deal directly with, the Paying Agent on behalf of Party B. Any and all payments made by Party A to the Paying Agent pursuant to this provision shall discharge in full Party A’s obligations to make payments to Party B under this Agreement.

 
 

 

 

 

If you have any questions regarding this letter agreement, please contact the Swap Operations Department at the telephone numbers or the facsimile numbers indicated on this Confirmation.

 

Please confirm that the foregoing correctly sets forth the terms of our agreement by executing the copy of this Confirmation enclosed for that purpose and returning it to us.

 

This letter agreement may be executed in several counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same instrument.

 

Very truly yours, 

Citibank N.A., New York 

 

/s/ Frank A. Licciardello

Authorized Signatory

 

By:______________________  

 

Accepted and confirmed as  

of the Trade Date:  

 

U.S. Bank National Association, not in its individual capacity, but solely as Trustee for the Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8

 

 

By: ________________________________________  

As authorized agent or officer for U.S. Bank National Association, not in its individual capacity, but solely as Trustee for the Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8

 

 

Schedule A to the Confirmation dated as October 31, 2005

Re: Reference Number: CPC3899 / CPC3900

Between Citibank N.A. and U.S. Bank National Association, not in its individual capacity, but solely as Trustee for the Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8.

 

	
            Calculation Period*
  	
             
  
	
            From and  Including
  	
            To but excluding
  	
            Notional Amount  (USD)
  
	
             
  	
             
  	
             
  
	
            10/31/2005
 	
            11/25/2005
 	
            138,776,272.00 
 
	
            11/25/2005
 	
            12/25/2005
 	
            137,730,791.00 
 
	
            12/25/2005
 	
            1/25/2006
 	
            136,430,389.00 
 
	
            1/25/2006
 	
            2/25/2006
 	
            134,878,239.00 
 
	
            2/25/2006
 	
            3/25/2006
 	
            133,077,921.00 
 
	
            3/25/2006
 	
            4/25/2006
 	
            131,034,166.00 
 
	
            4/25/2006
 	
            5/25/2006
 	
            128,752,104.00 
 
	
            5/25/2006
 	
            6/25/2006
 	
            126,238,002.00 
 
	
            6/25/2006
 	
            7/25/2006
 	
            123,498,497.00 
 
	
            7/25/2006
 	
            8/25/2006
 	
            120,541,331.00 
 
	
            8/25/2006
 	
            9/25/2006
 	
            117,374,575.00 
 
	
            9/25/2006
 	
            10/25/2006
 	
            114,007,170.00 
 
	
            10/25/2006
 	
            11/25/2006
 	
            110,713,787.00 
 
	
            11/25/2006
 	
            12/25/2006
 	
            107,493,102.00 
 
	
            12/25/2006
 	
            1/25/2007
 	
            104,343,820.00 
 
	
            1/25/2007
 	
            2/25/2007
 	
            101,264,665.00 
 
	
            2/25/2007
 	
            3/25/2007
 	
            98,254,386.00 
 
	
            3/25/2007
 	
            4/25/2007
 	
            95,311,754.00 
 
	
            4/25/2007
 	
            5/25/2007
 	
            92,435,561.00 
 
	
            5/25/2007
 	
            6/25/2007
 	
            89,624,622.00 
 
	
            6/25/2007
 	
            7/25/2007
 	
            86,877,771.00 
 
	
            7/25/2007
 	
            8/25/2007
 	
            84,193,864.00 
 
	
            8/25/2007
 	
            9/25/2007
 	
            81,571,777.00 
 
	
            9/25/2007
 	
            10/25/2007
 	
            79,010,407.00 
 
	
            10/25/2007
 	
            11/25/2007
 	
            76,508,669.00 
 
	
            11/25/2007
 	
            12/25/2007
 	
            74,065,499.00 
 
	
            12/25/2007
 	
            1/25/2008
 	
            71,679,850.00 
 
	
            1/25/2008
 	
            2/25/2008
 	
            69,350,695.00 
 
	
            2/25/2008
 	
            3/25/2008
 	
            67,077,025.00 
 
	
            3/25/2008
 	
            4/25/2008
 	
            64,857,850.00 
 
	
            4/25/2008
 	
            5/25/2008
 	
            62,692,195.00 
 
	
            5/25/2008
 	
            6/25/2008
 	
            60,579,105.00 
 
	
            6/25/2008
 	
            7/25/2008
 	
            58,517,640.00 
 
	
            7/25/2008
 	
            8/25/2008
 	
            56,506,879.00 
 
	
            8/25/2008
 	
            9/25/2008
 	
            54,545,914.00 
 
	
            9/25/2008
 	
            10/25/2008
 	
            52,633,858.00 
 
	
            10/25/2008
 	
            11/25/2008
 	
            50,769,834.00 
 
	
            11/25/2008
 	
            12/25/2008
 	
            48,952,986.00 
 

 

 

 

 

	
            12/25/2008
 	
            1/25/2009
 	
            47,182,470.00 
 
	
            1/25/2009
 	
            2/25/2009
 	
            45,457,458.00 
 
	
            2/25/2009
 	
            3/25/2009
 	
            43,777,136.00 
 
	
            3/25/2009
 	
            4/25/2009
 	
            42,140,706.00 
 
	
            4/25/2009
 	
            5/25/2009
 	
            40,547,384.00 
 
	
            5/25/2009
 	
            6/25/2009
 	
            38,996,398.00 
 
	
            6/25/2009
 	
            7/25/2009
 	
            37,486,991.00 
 
	
            7/25/2009
 	
            8/25/2009
 	
            36,018,421.00 
 
	
            8/25/2009
 	
            9/25/2009
 	
            34,589,957.00 
 
	
            9/25/2009
 	
            10/25/2009
 	
            33,200,882.00 
 
	
            10/25/2009
 	
            11/25/2009
 	
            31,850,492.00 
 
	
            11/25/2009
 	
            12/25/2009
 	
            30,538,095.00 
 
	
            12/25/2009
 	
            1/25/2010
 	
            29,263,011.00 
 
	
            1/25/2010
 	
            2/25/2010
 	
            28,024,572.00 
 
	
            2/25/2010
 	
            3/25/2010
 	
            26,822,125.00 
 
	
            3/25/2010
 	
            4/25/2010
 	
            25,655,024.00 
 
	
            4/25/2010
 	
            5/25/2010
 	
            24,522,637.00 
 
	
            5/25/2010
 	
            6/25/2010
 	
            23,424,344.00 
 
	
            6/25/2010
 	
            7/25/2010
 	
            22,359,535.00 
 
	
            7/25/2010
 	
            8/25/2010
 	
            21,327,610.00 
 
	
            8/25/2010
 	
            9/25/2010
 	
            20,327,981.00 
 
	
            9/25/2010
 	
            10/25/2010
 	
            19,360,069.00 
 
	
            10/25/2010
 	
            11/25/2010
 	
            18,362,828.00 
 
	
            11/25/2010
 	
            12/25/2010
 	
            17,616,970.00 
 
	
            12/25/2010
 	
            1/25/2011
 	
            16,902,043.00 
 
	
            1/25/2011
 	
            2/25/2011
 	
            16,217,469.00 
 
	
            2/25/2011
 	
            3/25/2011
 	
            15,562,681.00 
 
	
            3/25/2011
 	
            4/25/2011
 	
            14,937,122.00 
 
	
            4/25/2011
 	
            5/25/2011
 	
            14,340,245.00 
 
	
            5/25/2011
 	
            6/25/2011
 	
            13,771,512.00 
 
	
            6/25/2011
 	
            7/25/2011
 	
            13,230,398.00 
 
	
            7/25/2011
 	
            8/25/2011
 	
            12,716,383.00 
 
	
            8/25/2011
 	
            9/25/2011
 	
            12,228,962.00 
 
	
            9/25/2011
 	
            10/25/2011
 	
            11,767,633.00 
 
	
            10/25/2011
 	
            11/25/2011
 	
            11,331,909.00 
 
	
            11/25/2011
 	
            12/25/2011
 	
            10,986,830.00 
 
	
            12/25/2011
 	
            1/25/2012
 	
            10,665,432.00 
 
	
            1/25/2012
 	
            2/25/2012
 	
            10,367,261.00 
 
	
            2/25/2012
 	
            3/25/2012
 	
            10,091,870.00 
 
	
            3/25/2012
 	
            4/25/2012
 	
            9,838,819.00 
 
	
            4/25/2012
 	
            5/25/2012
 	
            9,607,678.00 
 
	
            5/25/2012
 	
            6/25/2012
 	
            9,398,025.00 
 
	
            6/25/2012
 	
            7/25/2012
 	
            9,209,444.00 
 
	
            7/25/2012
 	
            8/25/2012
 	
            9,041,529.00 
 
	
            8/25/2012
 	
            9/25/2012
 	
            8,893,879.00 
 

 

 

 

 

	
            9/25/2012
 	
            10/25/2012
 	
            8,766,103.00 
 
	
            10/25/2012
 	
            11/25/2012
 	
            8,657,816.00 
 
	
            11/25/2012
 	
            12/25/2012
 	
            8,657,716.00 
 
	
            12/25/2012
 	
            1/25/2013
 	
            8,657,616.00 
 
	
            1/25/2013
 	
            2/25/2013
 	
            8,115,218.00 
 
	
            2/25/2013
 	
            3/25/2013
 	
            7,442,460.00 
 
	
            3/25/2013
 	
            4/25/2013
 	
            6,785,013.00 
 
	
            4/25/2013
 	
            5/25/2013
 	
            6,142,564.00 
 
	
            5/25/2013
 	
            6/25/2013
 	
            5,514,808.00 
 
	
            6/25/2013
 	
            7/25/2013
 	
            4,901,443.00 
 
	
            7/25/2013
 	
            8/25/2013
 	
            4,302,177.00 
 
	
            8/25/2013
 	
            9/25/2013
 	
            3,716,719.00 
 
	
            9/25/2013
 	
            10/25/2013
 	
            3,144,787.00 
 
	
            10/25/2013
 	
            11/25/2013
 	
            2,586,103.00 
 
	
            11/25/2013
 	
            12/25/2013
 	
            2,133,492.00 
 
	
            12/25/2013
 	
            1/25/2014
 	
            1,690,852.00 
 
	
            1/25/2014
 	
            2/25/2014
 	
            1,257,979.00 
 
	
            2/25/2014
 	
            3/25/2014
 	
            834,668.00 
 
	
            3/25/2014
 	
            4/25/2014
 	
            420,722.00 
 
	
            4/25/2014
 	
            5/25/2014
 	
            15,947.00 
 

 

 

* Subject to adjustment in accordance with the Following Business Day Convention

 

 

Schedule B to the Confirmation dated as of October 31, 2005

Re: Reference Number: CPC3899 / CPC3900

 

Between Citibank N.A. (“Party A”) and U.S. Bank National Association., not in its individual capacity, but solely as Trustee for the Separate Interest Trust, Citigroup Mortgage Loan Trust, Inc. Series 2005-8 (“Party B”).

 

Part 1. Termination Provisions.

 

(a) “Specified Entity” means in relation to Party A for the purpose of the ISDA Master Agreement (“Agreement”):

 

Section 5(a)(v): None.

Section 5(a)(vi): None. 

Section 5(a)(vii): None.

Section 5(b)(iv): None.

 

and in relation to Party B for the purpose of the Agreement:

 

Section 5(a)(v): None.

Section 5(a)(vi): None.

Section 5(a)(vii): None.

Section 5(b)(iv): None.

 

(b) “Specified Transaction” is inapplicable to Party A and Party B for any purpose. 

	
            (c)
 	
            The “Breach of Agreement” provisions of Section 5(a)(ii) of the Agreement will be inapplicable to Party B.
 

	
            (d)
 	
            The “Credit Support Default” provisions of Section 5(a)(iii) of the Agreement will be inapplicable to Party A and Party B.
 

 

	
            (e)
 	
            The “Misrepresentation” provisions of Section 5(a)(iv) of the Agreement will be inapplicable to Party B.
 

 

	
            (f)
 	
            The “Default Under Specified Transaction” provisions of Section 5(a)(v) of the Agreement will be inapplicable to Party A and Party B.
 

 

(g) The “Cross Default” provisions of Section 5(a)(vi) of the Agreement will be inapplicable to Party A and Party B.

 

(h) The “Credit Event Upon Merger” provisions of Section 5(b)(iv) of the Agreement will be inapplicable to Party A and Party B.

 

(i) The “Automatic Early Termination” provision of Section 6(a) of the Agreement will be inapplicable to Party A and Party B

 

(j) Payments on Early Termination. For the purpose of Section 6(e) of the Agreement:

 

(i) Market Quotation will apply; and

 

(ii) The Second Method will apply.

 

 

 

 

(k) “Termination Currency” means United States Dollars.

 

Part 2. Tax Representations.

 

Payer Representations. For the purpose of Section 3(e) of the Agreement, Party A will make the following representation and Party B will not make the following representation:

 

It is not required by any applicable law, as modified by the practice of any relevant governmental revenue authority, of any Relevant Jurisdiction to make any deduction or withholding for or on account of any Tax from any payment (other than interest under Section 2(e), 6(d)(ii) or 6(e) of the Agreement) to be made by it to the other party under this Agreement. In making this representation, it may rely on (i) the accuracy of any representations made by the other party pursuant to Section 3(f) of the Agreement, (ii) the satisfaction of the agreement contained in Section 4(a)(i) or 4(a)(iii) of the Agreement and the accuracy and effectiveness of any document provided by the other party pursuant to Section 4(a)(i) or 4(a)(iii) of the Agreement and (iii) the satisfaction of the agreement of the other party contained in Section 4(d) of the Agreement, provided
that it shall not be a breach of this representation where reliance is placed on clause (ii) and the other party does not deliver a form or document under Section 4(a)(iii) of the Agreement by reason of material prejudice to its legal or commercial position. 

 

Payee Representations.  For the purpose of Section 3(f) of the Agreement, Party A makes the following representation:

 

It is a national banking association organized under the laws of the United States and its U.S. taxpayer identification number is 13-5266470.  

 

	
             
 	
            The following representation will apply to Party B:
 	
             

	
             
 	
            Party B represents that it is a Trustee under the Pooling and Servicing Agreement.
 

 

 

Part 3. Agreement to Deliver Documents.

 

For the purpose of Sections 4(a)(i) and (ii) of the Agreement, Party A and Party B agree to deliver the following documents, as applicable:

 

(a) Tax forms, documents or certificates to be delivered are:

 

	
            Party Required to Deliver Document
 	
            Form/Document/Certificate
 	
            Date by Which

to be Delivered
 
	
            Party A 
 	
            IRS tax form W-9
 	
            Promptly upon reasonable

demand by the other party.

 
 

 

 

 

 

	
            (b)
 	
            Other documents to be delivered and covered by the Section 3(d) representation are:--
 

	
            Party required to deliver
 	
            Form/Document/or Certificate
 	
            Date by which to be delivered
 	
            Covered by Section 3(d) representation
 
	
             
 	
             
 	
             
 	
             
 
	
            Party A and Party B
 	
            Incumbency Certificate (or, if available the current authorized signature book or equivalent authorizing documentation) specifying the names, titles, authority and specimen signatures of the persons authorized to execute the Confirmation which sets forth the specimen signatures of each signatory to the Confirmation signing on its behalf. 
 	
            Concurrently with the execution and delivery of the Confirmation unless previously delivered and still in full force and effect.
 	
            Yes
 
	
            Party B
 	
            Legal Opinion(s) with respect to Party B, in a form reasonably satisfactory to the other party relating to the enforceability of that party’s obligations under this Agreement and general organizational matters.

 

 
 	
            Concurrently with the execution and delivery of the Confirmation.
 	
            No
 

 

 

 

 

Part 4. Miscellaneous.

 

(a) Addresses for Notices. For the purposes of Section 12(a) of the Agreement:

 

Address for notices or communications to Party A:

 

	
             
 	
            Address:
 	
            250 West Street
 	
             

	
             
 	
            10th Floor
 	
             

	
             
 	
            New York, New York  10013
 	
             

	
             
  	
            Attention:
 	
            Director Derivatives Operations
 
	
             
 	
            Facsimile No.:
 	
            212 723 2956
 	
             

							

(For all purposes)

 

In addition, in the case of notices or communications relating to Section 5, 6, 11 or 13 of this Agreement, a second copy of any such notice or communication shall be addressed to the attention of Party A’s legal department as follows:

 

	
             
 	
            Address:
 	
            Legal Department
 	
             

	
             
 	
            77 Water Street
 	
             

	
             
 	
            9th Floor
 	
             

	
             
 	
            New York, New York 10004
 
	
             
 	
            Attention:  
 	
            Department Head
 	
             

	
             
 	
            Facsimile No.:
 	
            212 657 1452
 	
             

								

 

Address for notices or communications to Party B:

 

Addresses for notices or communications to Party B shall be those set forth on the first page of the Confirmation. 

 

(b) Process Agent. For the purpose of Section 13(c) of the Agreement:

 

Party A appoints as its Process Agent: None.

Party B appoints as its Process Agent: None.

 

(c) Offices. With respect to Party A, the provisions of Section 10(a) of the Agreement will apply.

 

(d) Multibranch Party. For the purpose of Section 10(c) of the Agreement:

 

	
             
 	
            Party A is not a Multibranch Party.
 

Party B is not a Multibranch Party.

 

(e) Credit Support Document. Details of any Credit Support Document: Not Applicable.

 

 

 

(f) Credit Support Provider. 

 

	
             
 	
            Credit Support Provider means in relation to Party A: None.
 
	
             
 	
            Credit Support Provider means in relation to Party B: None.
 

 

(g) Governing Law. This Agreement will be governed by and construed in accordance with the laws of the State of New York (without reference to conflicts of law provisions thereof, other than New York General Obligations Law Section 5-1401 and 5-1402).

 

(h) Netting of Payments. Subparagraph (ii) of Section 2(c) of the Agreement will apply to the Transaction evidenced by the Confirmation.

 

(i) “Affiliate” will have the meaning specified in Section 14 of the Agreement provided that Party B shall be deemed not to have any Affiliates for purposes of this Agreement, including for purposes of Section 6(b)(ii).

 

(j) Jurisdiction.  Section 13(b) of the Agreement is hereby amended by: (i) deleting in the second line of       subparagraph (i) thereof the word “non-”: and (ii) deleting the final paragraph thereof.

 

(k) Effectiveness of Notice.  Section 12(a) of the Agreement is hereby amended by deleting the words “facsimile transmission or” in line 3 thereof.

 

Part 5. Other Provisions.

 

(a)           Modifications to the Agreement.  Section 3(a) of the Agreement shall be amended to include the following additional representations after paragraph 3(a)(v):

(vi)        Eligible Contract Participant etc.  It is an “eligible contract participant” as defined in Section 1a(12) of the U.S. Commodity Exchange Act (7 U.S.C. 1a), as amended by the Commodity Futures Modernization Act of 2000 and the Transaction evidenced hereby has been the subject of individual negotiations and is intended to be exempt from, or otherwise not subject to regulation thereunder.

	
            (b)
 	
            Waiver of Right to Trial by Jury.  Each party hereby irrevocably waives any and all rights to trial by jury in any legal proceeding arising out of or relating to this Agreement or any Transaction hereunder.
 

	
            (c)
 	
            Absence of Litigation. In Section 3(c) of the Agreement the words “or any of its Affiliates” shall be deleted.
 

 

	
            (d)
 	
            Tax Event. In Section 5(b)(ii)(y) of the Agreement the words “, or there is a substantial likelihood that it will,” shall be deleted.
 

 

	
            (e)
 	
            Fully-paid Party Protected.
 

 

Notwithstanding the terms of Sections 5 and 6 of the Agreement, if PartyB has satisfied its payment obligations under Section 2(a)(i) of the Agreement, then unless Party A is required pursuant to appropriate proceedings to return to Party B or otherwise returns to Party B upon demand of Party B any portion of such payment, (a) the occurrence of an 

 

event described in Section 5(a) of the Agreement with respect to Party B shall not constitute an Event of Default or Potential Event of Default with respect to Party B as the Defaulting Party. For purposes of the Transaction to which this Confirmation relates, Party B's only obligation under Section 2(a)(i) of the Agreement is to pay the Fixed Amount on the Fixed Rate Payer Payment Date.

 

	
            (f)
 	
            Proceedings.
 

 

Party A shall not institute against or cause any other person to institute against, or join any other person in instituting against, Party B, any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings, or other proceedings under any federal or state bankruptcy, dissolution or similar law, until a period of one year and one day (or, if longer, the applicable preference period) following indefeasible payment in full of the Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8 Class II-A1 Certificates (the “Securities”).

 

	
            (g)
 	
            Set-off.
 

 

Notwithstanding any provision of this Agreement or any other existing or future agreement, each party irrevocably waives any and all rights it may have to set off, net, recoup or otherwise withhold or suspend or condition payment or performance of any obligation between it and the other party hereunder against any obligation between it and the other party under any other agreements.  The provisions for Set-off set forth in Section 6(e) of the Agreement shall not apply for purposes of this Transaction.

 

	
            (h)
 	
            Section 1(c)
 

 

For purposes of Section 1(c) of the Agreement, this Transaction shall be the sole Transaction under the Agreement.

 

	
            (i)
 	
            [Reserved] 
 

 

	
            (j)
 	
            Amendment to ISDA Form.
 

 

The “Failure to Pay or Deliver” provision in Section 5(a)(i) of the Agreement is hereby amended by deleting the word “third” in the third line thereof and inserting the word “first” in place thereof.

 

	
            (k)
 	
            Severability.      If any term, provision, covenant, or condition of this Agreement, or the application thereof to any party or circumstance, shall be held to be invalid or unenforceable (in whole or in part) for any reason, the remaining terms, provisions, covenants, and conditions hereof shall continue in full force and effect as if this Agreement had been executed with the invalid or unenforceable portion eliminated, so long as this Agreement as so modified continues to express, without material change, the original intentions of the parties as to the subject matter of this Agreement and the deletion of such portion of this Agreement will not substantially impair the respective benefits or expectations of the parties.
 

 

The parties shall endeavor to engage in good faith negotiations to replace any invalid or unenforceable term, provision, covenant or condition with a valid or enforceable term, provision, covenant or condition, the economic effect of which comes as close as possible to that of the invalid or unenforceable term, provision, covenant or condition. 

 

 

 

 

 

EXHIBIT D

FORM OF MORTGAGE LOAN PURCHASE AGREEMENT

 

MORTGAGE LOAN PURCHASE AGREEMENT

This is a Mortgage Loan Purchase Agreement (the “Agreement”), dated October 28, 2005, between Citigroup Mortgage Loan Trust Inc., a Delaware corporation (the “Purchaser”) and Citigroup Global Markets Realty Corp., a New York corporation (the “Seller”).

Preliminary Statement

The Seller intends to sell the Mortgage Loans (as hereinafter defined) to the Purchaser on the terms and subject to the conditions set forth in this Agreement. The Purchaser intends to deposit the Mortgage Loans into a mortgage pool comprising the trust fund. The trust fund will be evidenced by a single series of mortgage pass-through certificates designated as Series 2005-8 (the “Certificates”). The Certificates will consist of forty one classes of certificates. The Certificates will be issued pursuant to a Pooling and Servicing Agreement, dated as of October 1, 2005 (the “Pooling and Servicing Agreement”), among the Purchaser as depositor, CitiMortgage, Inc. as master servicer (in such capacity, the “Master Servicer”) and as trust administrator (in such capacity, the “Trust Administrator”) Citibank, N.A. as paying agent, certificate registrar and
authenticating agent and U.S. Bank Trust National Association as trustee (the “Trustee”). Capitalized terms used but not defined herein shall have the meanings set forth in the Pooling and Servicing Agreement.

The parties hereto agree as follows:

SECTION 1.          Agreement to Purchase. The Seller agrees to sell, and the Purchaser agrees to purchase, on or before October 31, 2005 (the “Closing Date”), certain adjustable-rate, conventional residential mortgage loans (the “Mortgage Loans”) originated by Countrywide Home Loans, Inc. (“Countrywide”), National City Mortgage Co. (“National City”), Quicken Loans Inc. (“Quicken”), MortgageIT, Inc. (“MortgageIT”), Mortgage Access Corp. D/B/A Weichert Financial Services (“Weichert”), Wells Fargo Bank, N.A. (“Wells Fargo”), American Home Mortgage Corp. (“American Home”), PHH Mortgage Corporation (“PHH”), CitiMortgage, Inc. (“CitiMortgage”) and SunTrust Mortgage, Inc.
(“SunTrust”, each, an “Originator”, and collectively, the “Originators”), having an aggregate principal balance as of the close of business on October 1, 2005 (the “Cut-off Date”) of $827,023,045 (the “Closing Balance”), after giving effect to all payments due on the Mortgage Loans on or before the Cut-off Date, whether or not received.

SECTION 2.          Mortgage Loan Schedule. The Purchaser and the Seller have agreed upon which of the mortgage loans owned by the Seller are to be purchased by the Purchaser pursuant to this Agreement and the Seller will prepare or cause to be prepared on or prior to the Closing Date a final schedule (the “Closing Schedule”) that together shall describe such Mortgage Loans and set forth all of the Mortgage Loans to be purchased under this Agreement. The Closing Schedule will conform to the requirements set forth in this Agreement and to the definition of “Mortgage Loan Schedule” under the Pooling and Servicing Agreement. The Closing Schedule shall be used as the Mortgage Loan Schedule under the Pooling and Servicing Agreement and shall be prepared by the Seller based on
information provided by the Originators.

 

 

 

	
            SECTION 3.
 	
            Consideration.
 

(a)        In consideration for the Mortgage Loans to be purchased hereunder, the Purchaser shall, as described in Section 7, pay to or upon the order of the Seller in immediately available funds an amount (the “Mortgage Loan Purchase Price”) equal to the net sale proceeds of the Certificates, plus accrued interest.

(b)        The Purchaser or any assignee, transferee or designee of the Purchaser shall be entitled to all scheduled payments of principal due after the Cut-off Date, all other payments of principal due and collected after the Cut-off Date, and all payments of interest on the Mortgage Loans allocable to the period after the Cut-off Date. All scheduled payments of principal and interest due on or before the Cut-off Date and collected after the Cut-off Date shall belong to the Seller.

(c)        Pursuant to the Pooling and Servicing Agreement, the Purchaser will assign all of its right, title and interest in and to the Mortgage Loans, together with its rights under this Agreement, to the Trustee for the benefit of the related Certificateholders.

	
            SECTION 4.
 	
            Transfer of the Mortgage Loans.
 

(a)        Possession of Mortgage Files.  The Seller does hereby sell, transfer, assign, set over and convey to the Purchaser, without recourse but subject to the terms of this Agreement, all of its right, title and interest in, to and under the Mortgage Loans. The contents of each Mortgage File not delivered to the Purchaser or to any assignee, transferee or designee of the Purchaser on or prior to the Closing Date are and shall be held in trust by the Seller for the benefit of the Purchaser or any assignee, transferee or designee of the Purchaser. Upon the sale of the Mortgage Loans, the ownership of each Mortgage Note, the related Mortgage and the other contents of the related Mortgage File is vested in the Purchaser and the ownership of all records and documents with respect to the related Mortgage
Loan prepared by or that come into the possession of the Seller on or after the Closing Date shall immediately vest in the Purchaser and shall be delivered immediately to the Purchaser or as otherwise directed by the Purchaser.

(b)        Delivery of Mortgage Loan Documents.  The Seller will, on or prior to the Closing Date, deliver or cause to be delivered to the Purchaser or any assignee, transferee or designee of the Purchaser each of the following documents for each Mortgage Loan:

(i)            the original Mortgage Note, endorsed in one of the following forms: (i) in the name of the Trustee or (ii) in blank, in each case, with all prior and intervening endorsements showing a complete chain of endorsement from the originator to the Person so endorsing to the Trustee; 

	
            (ii)
 	
            the original Mortgage with evidence of recording thereon;
 

(iii)           an original Assignment of the Mortgage in recordable form in blank or to the Trustee; 

 

 

(iv)          the original recorded Assignment or Assignments of the Mortgage showing a complete chain of assignment from the originator to the Person assigning the Mortgage in blank or to the Trustee as contemplated by the immediately preceding clause (iii); 

(v)           the original of or a copy of each related assumption, modification, consolidation or extension agreement, with evidence of recording thereon, if any; 

(vi)          with respect to any Mortgage Loan listed on the Mortgage Loan Schedule as  subject to a Primary Mortgage Insurance Policy, the original Primary Mortgage Insurance Policy or certificate; 

(vii)          the original mortgagee title insurance policy or an attorney’s opinion of title where customary; and

(viii)         any of the following that are in the possession of the Seller or a document custodian on its behalf: (A) the original of or a copy of any security agreement, chattel mortgage or equivalent document executed in connection with the Mortgage or (B) the original of or a copy of any power of attorney, if applicable. 

With respect to a maximum of approximately 5.00% of the Original Mortgage Loans, by outstanding principal balance of the Original Mortgage Loans as of the Cut-off Date, if any original Mortgage Note referred to in Section 4(b)(i) above cannot be located, the obligations of the Seller to deliver such documents shall be deemed to be satisfied upon delivery to the Trust Administrator (as designee of the Purchaser) of a photocopy of such Mortgage Note, if available, with a lost note affidavit. If any of the original Mortgage Notes for which a lost note affidavit was delivered to the Trust Administrator is subsequently located, such original Mortgage Note shall be delivered to the Trust Administrator within three Business Days.

If any of the documents referred to in Sections 4(b)(ii), (iii) or (iv) above has as of the Closing Date been submitted for recording but either (x) has not been returned from the applicable public recording office or (y) has been lost or such public recording office has retained the original of such document, the obligations of the Seller to deliver such documents shall be deemed to be satisfied upon (1) delivery to the Trust Administrator of a copy of each such document certified by the Originator in the case of (x) above or the applicable public recording office in the case of (y) above to be a true and complete copy of the original that was submitted for recording and (2) if such copy is certified by the Originator, delivery to the Trust Administrator promptly upon receipt thereof of either the original or a copy of such document certified by the applicable public recording office to
be a true and complete copy of the original.  

To the extent not already recorded, the Trust Administrator, at the expense of the Seller shall pursuant to the Pooling and Servicing Agreement promptly (and in no event later than three months following the later of the Closing Date and the date of receipt by the Trust Administrator of the recording information for a Mortgage) submit or cause to be submitted for recording, at no expense to the Trust Estate or the Trust Administrator, in the appropriate public 

 

office for real property records, each Assignment delivered to it pursuant to Sections 4(b)(iii) and (iv) above. In the event that any such Assignment is lost or returned unrecorded because of a defect therein, the Trust Administrator, at the expense of the Seller, shall promptly prepare or cause to be prepared a substitute Assignment or cure or cause to be cured such defect, as the case may be, and thereafter cause each such Assignment to be duly recorded.  Notwithstanding the foregoing, but without limiting the requirement that such Assignments be in recordable form, neither the Trust Administrator nor the Trustee shall be required to submit or cause to be submitted for recording each Assignment delivered to it pursuant to Sections 4(b)(iii) and (iv) if such recordation shall not, as of the Closing Date, be required by the Rating Agencies, as a condition to their assignment on the Closing Date of their
initial ratings to the Certificates, as evidenced by the delivery by the Rating Agencies of their ratings letters on the Closing Date.

The Seller shall deliver or cause to be delivered to the Trust Administrator promptly upon receipt thereof any other original documents constituting a part of a Mortgage File received with respect to any Mortgage Loan, including, but not limited to, any original documents evidencing an assumption, modification, consolidation or extension of any Mortgage Loan. 

All original documents relating to the Mortgage Loans that are not delivered to the Trust Administrator are and shall be held by or on behalf of the Seller, the Servicer, the Purchaser or the Master Servicer, as the case may be, in trust for the benefit of the Trustee on behalf of the Certificateholders.  In the event that any such original document is required pursuant to the terms of this Section to be a part of a Mortgage File, such document shall be delivered promptly to the Trust Administrator. Any such original document delivered to or held by the Seller or the Purchaser that is not required pursuant to the terms of this Section to be a part of a Mortgage File, shall be delivered promptly to the related Servicer. 

(c)        Acceptance of Mortgage Loans. The documents delivered pursuant to Section 4(b) hereof shall be reviewed by the Purchaser or any assignee, transferee or designee of the Purchaser at any time before or after the Closing Date (and with respect to each document permitted to be delivered after the Closing Date within seven days of its delivery) to ascertain that all required documents have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule.

(d)        Transfer of Interest in Agreements. The Purchaser has the right to assign its interest under this Agreement, in whole or in part, to the Trustee, as may be required to effect the purposes of the Pooling and Servicing Agreement, without the consent of the Seller, and the assignee shall succeed to the rights and obligations hereunder of the Purchaser. Any expense reasonably incurred by or on behalf of the Purchaser or the Trustee in connection with enforcing any obligations of the Seller under this Agreement will be promptly reimbursed by the Seller.

(e)        Examination of Mortgage Files. Prior to the Closing Date, the Seller shall either (i) deliver in escrow to the Purchaser or to any assignee, transferee or designee of the Purchaser, for examination, the Mortgage File pertaining to each Mortgage Loan, or (ii) make such Mortgage Files available to the Purchaser or to any assignee, transferee or designee of the Purchaser for examination. Such examination may be made by the Purchaser or the Trustee, and their respective designees, upon reasonable notice to the Seller during normal business hours 

 

before the Closing Date and within 60 days after the Closing Date. If any such person makes such examination prior to the Closing Date and identifies any Mortgage Loans that do not conform to the requirements of the Purchaser as described in this Agreement, such Mortgage Loans shall be deleted from the Closing Schedule. The Purchaser may, at its option and without notice to the Seller, purchase all or part of the Mortgage Loans without conducting any partial or complete examination. The fact that the Purchaser or any person has conducted or has failed to conduct any partial or complete examination of the Mortgage Files shall not affect the rights of the Purchaser or any assignee, transferee or designee of the Purchaser to demand repurchase or other relief as provided herein or under the Pooling and Servicing Agreement.

	
            SECTION 5.
 	
            Representations, Warranties and Covenants of the Seller.
 

The Seller and the Purchaser understand, acknowledge and agree that, the representations and warranties set forth in this Section 5 are made as of the Closing Date or as of the date specifically provided herein.   

As permitted under the Amended and Restated Master Mortgage Loan Purchase and Servicing Agreement dated as of December 15, 2003, between Countrywide and the Seller (the “Countrywide Servicing Agreement”), the Amended and Restated Master Seller’s Warranties and Servicing Agreement, dated as of September 1, 2003, as amended and restated to and including May 1, 2005 between the Seller and National City (the “National City Servicing Agreement”), the Master Mortgage Loan Purchase and Interim Servicing Agreement dated as of October 1, 2004, between Quicken and GMAC Mortgage Corporation (Purchaser) (the “Quicken Servicing Agreement”), Master Mortgage Loan Purchase and Servicing Agreement dated as of August 1, 2005, between Weichert and the Seller (the “Weichert Servicing Agreement”), the Master Mortgage Loan Purchase and Interim Servicing Agreement
dated as of November 1, 2004 between MortgageIT and the Seller (the “MortgageIT Servicing Agreement”), the Seller’s Warranties and Servicing Agreement, dated as of September 1, 2005, relating to the WFHM 2005-W77 Mortgage Loans, between Wells Fargo and the Seller (the “2005-W77 Wells Servicing Agreement”), the Seller’s Warranties and Servicing Agreement, dated as of October 1, 2005, relating to the WFHM 2005-W82 Mortgage Loans, between Wells Fargo and the Seller (the “2005-W82 Wells Servicing Agreement”), the Master Mortgage Loan Purchase and Servicing Agreement dated as of September 1, 2005 between American Home Mortgage Corp. and the Seller (the “American Home Servicing Agreement”), the Mortgage Loan Flow Purchase, Sale and Servicing Agreement dated as of February 24, 2005 among PHH Mortgage Corporation, Bishop’s Gate Residential Mortgage Trust and the Seller (the “PHH Servicing Agreement”), the Master Mortgage Loan
Purchase and Servicing dated as of February 1, 2005 between CitiMortgage and the Seller (the “CitiMortgage Servicing Agreement”) and the Amended and Restated Master Mortgage Loan Purchase and Servicing Agreement dated as of July 1, 2005 between SunTrust Mortgage, Inc. and the Seller (the “SunTrust Servicing Agreement” and collectively with the Countrywide Servicing Agreement, the National City Servicing Agreement, the Quicken Servicing Agreement, the Weichert Servicing Agreement, the MortgageIT Servicing Agreement, the 2005-W77 Wells Servicing Agreement, the 2005-W82 Wells Servicing Agreement, the American Home Servicing Agreement, the CitiMortgage Servicing Agreement and the PHH Servicing Agreement, the “Servicing Agreements”), the Seller hereby assigns to the Purchaser all of its right, title and interest under the Servicing Agreements to the extent of the Mortgage Loans set forth on the Mortgage Loan Schedule, 

 

including, but not limited to, any representations and warranties of the Originators concerning the Mortgage Loans.

(a)        The Seller hereby represents and warrants, as to each Mortgage Loan, to the Purchaser, as of the date hereof and as of the Closing Date, and covenants, that:

(i)            To the best of the Seller’s knowledge, nothing has occurred in the period of time from the date each representation and warranty was made by each Originator pursuant to the respective Servicing Agreement to the Closing Date which would cause such representation and warranty to be untrue in any material respect on the Closing Date.

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

(iii)           None of the mortgage loans are (i) “High Cost” as such term is defined in the Home Ownership Protection Act of 1994 (“HOEPA”) or (ii) a reasonably equivalent provision as defined by the applicable predatory and abusive lending laws.

(iv)          An appraisal form 1004 or Form 2055 with an interior inspection for first lien mortgage loans has been obtained.

(v)           No Mortgage Loan is a high cost loan or a covered loan, as applicable (as such terms are defined in the current version of Standard & Poor's LEVELS® Glossary Revised, Appendix E).

(vi)          There is no mortgage loan in the trust that was originated on or after October 1, 2002 and before March 7, 2003 which is secured by property located in the State of Georgia.

(b)        The Seller hereby represents and warrants to the Purchaser, as of the date hereof and as of the Closing Date, and covenants, that:

(i)            The Seller is duly organized, validly existing and in good standing as a corporation under the laws of the State of New York with full corporate power and authority to conduct its business as presently conducted by it to the extent material to the consummation of the transactions contemplated herein. The Seller has the full corporate power and authority to own the Mortgage Loans and to transfer and convey the Mortgage Loans to the Purchaser and has the full corporate power and authority to execute and deliver, engage in the transactions contemplated by, and perform and observe the terms and conditions of this Agreement.

(ii)           The Seller has duly authorized the execution, delivery and performance of this Agreement, has duly executed and delivered this Agreement, and this Agreement, assuming due authorization, execution and delivery hereof by 

 

the Purchaser, constitutes a legal, valid and binding obligation of the Seller, enforceable against it in accordance with its terms except as the enforceability thereof may be limited by bankruptcy, insolvency or reorganization or by general principles of equity.

(iii)           The execution, delivery and performance of this Agreement by the Seller (x) does not conflict and will not conflict with, does not breach and will not result in a breach of and does not constitute and will not constitute a default (or an event, which with notice or lapse of time or both, would constitute a default) under (A) any terms or provisions of the articles of incorporation or by-laws of the Seller, (B) any term or provision of any material agreement, contract, instrument or indenture, to which the Seller is a party or by which the Seller or any of its property is bound or (C) any law, rule, regulation, order, judgment, writ, injunction or decree of any court or governmental authority having jurisdiction over the Seller or any of its property and (y) does not create or impose and will not
result in the creation or imposition of any lien, charge or encumbrance which would have a material adverse effect upon the Mortgage Loans or any documents or instruments evidencing or securing the Mortgage Loans.

(iv)          No consent, approval, authorization or order of, registration or filing with, or notice on behalf of the Seller to any governmental authority or court is required, under federal laws or the laws of the State of New York, for the execution, delivery and performance by the Seller of, or compliance by the Seller with, this Agreement or the consummation by the Seller of any other transaction contemplated hereby and by the Pooling and Servicing Agreement; provided, however, that the Seller makes no representation or warranty regarding federal or state securities laws in connection with the sale or distribution of the Certificates.

(v)           This Agreement does not contain any untrue statement of material fact or omit to state a material fact necessary to make the statements contained herein not misleading.  The written statements, reports and other documents prepared and furnished or to be prepared and furnished by the Seller pursuant to this Agreement or in connection with the transactions contemplated hereby taken in the aggregate do not contain any untrue statement of material fact or omit to state a material fact necessary to make the statements contained therein not misleading.

(vi)          The Seller is not in violation of, and the execution and delivery of this Agreement by the Seller and its performance and compliance with the terms of this Agreement will not constitute a violation with respect to, any order or decree of any court or any order or regulation of any federal, state, municipal or governmental agency having jurisdiction over the Seller or its assets, which violation might have consequences that would materially and adversely affect the condition (financial or otherwise) or the operation of the Seller or its assets or might have consequences that would materially and adversely affect the performance of its obligations and duties hereunder.

 

 

(vii)          The Seller does not believe, nor does it have any reason or cause to believe, that it cannot perform each and every covenant contained in this Agreement.

(viii)         Immediately prior to the sale of the Mortgage Loans to the Purchaser as herein contemplated, the Seller will be the owner of the related Mortgage and the indebtedness evidenced by the related Mortgage Note, and, upon the payment to the Seller of the Purchase Price, in the event that the Seller retains or has retained record title, the Seller shall retain such record title to each Mortgage, each related Mortgage Note and the related Mortgage Files with respect thereto in trust for the Purchaser as the owner thereof from and after the date hereof.

(ix)          There are no actions or proceedings against, or investigations known to it of, the Seller before any court, administrative or other tribunal (A) that might prohibit its entering into this Agreement, (B) seeking to prevent the sale of the Mortgage Loans by the Seller or the consummation of the transactions contemplated by this Agreement or (C) that might prohibit or materially and adversely affect the performance by the Seller of its obligations under, or validity or enforceability of, this Agreement.

(x)           The consummation of the transactions contemplated by this Agreement are in the ordinary course of business of the Seller, and the transfer, assignment and conveyance of the Mortgage Notes and the Mortgages by the Seller are not subject to the bulk transfer or any similar statutory provisions.

(xi)          The Seller has not dealt with any broker, investment banker, agent or other person, except for the Purchaser or any of its affiliates, that may be entitled to any commission or compensation in connection with the sale of the Mortgage Loans.

(xii)          There is no litigation currently pending or, to the best of the Seller’s knowledge without independent investigation, threatened against the Seller that would reasonably be expected to adversely affect the transfer of the Mortgage Loans, the issuance of the Certificates or the execution, delivery, performance or enforceability of this Agreement, or that would result in a material adverse change in the financial condition of the Seller.

(xiii)         The Seller is solvent and will not be rendered insolvent by the consummation of the transactions contemplated hereby.  The Seller is not transferring any Mortgage loan with any intent to hinder, delay or defraud any of its creditors.

(c)        With respect to the Countrywide Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit A hereto are true and correct and as of the date hereof and as of the Closing Date.

 

 

(d)        With respect to the Quicken Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit B hereto are true and correct as of the date hereof and as of the Closing Date.

(e)        With respect to the National City Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit C hereto are true and correct as of the date hereof and as of the Closing Date  (in the case of a representation or warranty as to the mortgaged property being free of damage and waste, without regard to knowledge or lack of knowledge thereof by National City).  

(f)         With respect to the Wells 2005-W77 Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit D hereto are true and correct as of the date hereof and as of the Closing Date.

(g)        With respect to the MortgageIT Mortgage Loan, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit E hereto are true and correct as of the date hereof and as of the Closing Date.

(h)        With respect to the Weichert Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit F hereto are true and correct and as of the date hereof and as of the Closing Date.

(i)         With respect to the American Home Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit G hereto are true and correct and as of the date hereof and as of the Closing Date.

(j)         With respect to the PHH Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit H hereto are true and correct and as of the date hereof and as of the Closing Date.

(k)        With respect to the SunTrust Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit I hereto are true and correct and as of the date hereof and as of the Closing Date. 

(l)         With respect to the CitiMortgage Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit J hereto are true and correct and as of the date hereof and as of the Closing Date. 

(m)       With respect to the Wells 2005-W82 Mortgage Loans, the Seller hereby represents and warrants, for the benefit of the Purchaser, that the representations and warranties set forth on Exhibit K hereto are true and correct as of the date hereof and as of the Closing Date.

 

	
            SECTION 6.
 	
            Repurchase Obligation for Defective Documentation and for Breach of Representation and Warranty.
 

 

It is understood and agreed that the representations and warranties set forth in Section 5 shall survive the sale of the Mortgage Loans to the Purchaser and shall inure to the benefit of the Purchaser and any assignee, transferee or designee of the Purchaser, including the Trustee for the benefit of holders of the Mortgage Pass-Through Certificates evidencing an interest in all or a portion of the Mortgage Loans, notwithstanding any restrictive or qualified endorsement on any Mortgage Note or Assignment or the examination or lack of examination of any Mortgage File.  With respect to the representations and warranties contained herein that are made to the knowledge or the best knowledge of the Seller, or as to which the Seller has no knowledge, if it is discovered that the substance of any such representation and warranty is inaccurate and the inaccuracy materially and adversely affects the
value of the related Mortgage Loan, or the interest therein of the Purchaser or the Purchaser’s assignee, designee or transferee, then notwithstanding the Seller’s lack of knowledge with respect to the substance of such representation and warranty being inaccurate at the time the representation and warranty was made, such inaccuracy shall be deemed a breach of the applicable representation and warranty and the Seller shall take such action described in the following paragraphs of this Section 6 in respect of such Mortgage Loan.  Upon discovery by either the Seller or the Purchaser of a breach of any of the foregoing representations and warranties made by the Seller that materially and adversely affects the value of the Mortgage Loans or the interest of the Purchaser (or which materially and adversely affects the interests of the Purchaser in the related Mortgage Loan in the case of a representation and warranty relating to a particular Mortgage Loan), the party discovering
such breach shall give prompt written notice to the other.

Within 90 days of the earlier of either discovery by or notice to the Seller of any breach of a representation or warranty made by the Seller that materially and adversely affects the value of a Mortgage Loan or the Mortgage Loans or the interest therein of the Purchaser, the Seller shall use its best efforts promptly to cure such breach in all material respects and, if such breach cannot be cured, the Seller shall, at the Purchaser’s option, repurchase such Mortgage Loan at the Purchase Price. The Seller may, at the request of the Purchaser and assuming the Seller has a Qualified Substitute Mortgage Loan, rather than repurchase a deficient Mortgage Loan as provided above, remove such Mortgage Loan and substitute in its place a Qualified Substitute Mortgage Loan or Loans. If the Seller does not provide a Qualified Substitute Mortgage Loan or Loans, it shall repurchase the deficient
Mortgage Loan. Any repurchase of a Mortgage Loan(s) pursuant to the foregoing provisions of this Section 6 shall occur on a date designated by the Purchaser and shall be accomplished by deposit in accordance with Section 2.03 of the Pooling and Servicing Agreement. Any repurchase or substitution required by this Section shall be made in a manner consistent with Section 2.03 of the Pooling and Servicing Agreement.

At the time of substitution or repurchase by the Seller of any deficient Mortgage Loan, the Purchaser and the Seller shall arrange for the reassignment of the repurchased or substituted Mortgage Loan to the Seller and the delivery to the Seller of any documents held by the Trustee relating to the deficient or repurchased Mortgage Loan. In the event the Purchase Price is deposited in the Collection Account. The Seller shall, simultaneously with such deposit, give written notice to the Purchaser that such deposit has taken place. Upon such repurchase, the Mortgage Loan Schedule shall be amended to reflect the withdrawal of the repurchased Mortgage Loan from this Agreement.

 

 

As to any Deleted Mortgage Loan for which the Seller substitutes a Qualified Substitute Mortgage Loan or Loans, the Seller shall effect such substitution by delivering to the Purchaser or its designee for such Qualified Substitute Mortgage Loan or Loans the Mortgage Note, the Mortgage, the Assignment and such other documents and agreements as are required by the Pooling and Servicing Agreement, with the Mortgage Note endorsed as required therein. The Seller shall remit for deposit in the Collection Account the Monthly Payment due on such Qualified Substitute Mortgage Loan or Loans in the month following the date of such substitution. Monthly payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution will be retained by the Seller. For the month of substitution, distributions to the Purchaser will include the Monthly Payment due on such Deleted Mortgage
Loan in the month of substitution, and the Seller shall thereafter be entitled to retain all amounts subsequently received by the Seller in respect of such Deleted Mortgage Loan. Upon such substitution, the Qualified Substitute Mortgage Loans shall be subject to the terms of this Agreement in all respects, and the Seller shall be deemed to have made with respect to such Qualified Substitute Mortgage Loan or Loans as of the date of substitution, the covenants, representations and warranties set forth in Section 5.

It is understood and agreed that the representations and warranties set forth in Section 5 shall survive delivery of the respective Mortgage Files to the Trustee on behalf of the Purchaser.

It is understood and agreed that (i) the obligations of the Seller set forth in this Section 6 to cure, repurchase and substitute for a defective Mortgage Loan and (ii) the obligations of the Seller as provided in the next sentence constitute the sole remedies of the Purchaser respecting a missing or defective document or a breach of the representations and warranties contained in Section 5.   The Seller shall indemnify the Purchaser and hold it harmless against any losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments, and other costs and expenses resulting from any claim, demand, defense or assertion based on or grounded upon, or resulting from, a breach of the representations and warranties contained in Sections 5(a), (c), (d) and (e) this Agreement.  

SECTION 7.          Closing; Payment for the Mortgage Loans. The closing of the purchase and sale of the Mortgage Loans shall be held at the New York City office of Thacher Proffitt & Wood LLP at 10:00 AM New York City time on the Closing Date.

The closing shall be subject to each of the following conditions:

(a)        All of the representations and warranties of the Seller under this Agreement shall be true and correct in all material respects as of the date as of which they are made and no event shall have occurred which, with notice or the passage of time, would constitute a default under this Agreement;

(b)        The Purchaser shall have received, or the attorneys of the Purchaser shall have received in escrow (to be released from escrow at the time of closing), all Closing Documents as specified in Section 8 of this Agreement, in such forms as are agreed upon and acceptable to the Purchaser, duly executed by all signatories other than the Purchaser as required pursuant to the respective terms thereof;

 

 

(c)        The Seller shall have delivered or caused to be delivered and released to the Purchaser or to its designee, all documents (including without limitation, the Mortgage Loans) required to be so delivered by the Purchaser; and

(d)        All other terms and conditions of this Agreement shall have been complied with.

Subject to the foregoing conditions, the Purchaser shall deliver or cause to be delivered to the Seller on the Closing Date, against delivery and release by the Seller to the Trustee of all documents required pursuant to the Pooling and Servicing Agreement, the consideration for the Mortgage Loans as specified in Section 3 of this Agreement, by delivery to the Seller of the Mortgage Loan Purchase Price.

SECTION 8.         Closing Documents. Without limiting the generality of Section 7 hereof, the closing shall be subject to delivery of each of the following documents:

(a)        An Officers’ Certificate of the Seller, dated the Closing Date, upon which the Purchaser and Citigroup Global Markets Inc. (the “Underwriter”) may rely, in a form acceptable to the Purchaser;

(b)        A Secretary’s Certificate of the Seller, dated the Closing Date, upon which the Purchaser and the Underwriter may rely, in a form acceptable to the Purchaser, and attached thereto copies of the certificate of incorporation, by-laws and certificate of good standing of the Seller;

(c)        An Opinion of Counsel of the Seller, dated the Closing Date and addressed to the Purchaser and the Underwriter, in a form acceptable to the Purchaser;

(d)        An Officers’ Certificate of each Originator, dated the Closing Date, upon which the Purchaser and the Underwriter may rely, in a form acceptable to the Purchaser;

(e)        A Secretary’s Certificate of each Originator, dated the Closing Date, upon which the Purchaser and the Underwriter may rely, in a form acceptable to the Purchaser, and attached thereto copies of the certificate of incorporation, by-laws and certificate of good standing of the Originator;

(f)         Such opinions of counsel as the Rating Agencies or the Trustee may request in connection with the sale of the Mortgage Loans by the Seller to the Purchaser or the Seller’s execution and delivery of, or performance under, this Agreement;

(g)        A letter from Deloitte & Touche L.L.P., certified public accountants, dated the date hereof and to the effect that they have performed certain specified procedures as a result of which they determined that certain information of an accounting, financial or statistical nature set forth in the Purchaser’s Prospectus Supplement, dated October 28, 2005, agrees with the records of the Seller;

(h)        Letters from certified public accountants for each Originator, dated the date hereof and to the effect that they have performed certain specified procedures as a result of 

 

which they determined that certain information of an accounting, financial or statistical nature set forth in the Purchaser’s Prospectus Supplement, dated October 28, 2005 under the subheading “The Master Servicer and the Servicers—The Servicers” agrees with the records of the Servicer; and

(i)         Such further information, certificates, opinions and documents as the Purchaser or the Underwriter may reasonably request.

SECTION 9.          Costs. The Seller shall pay (or shall reimburse the Purchaser or any other Person to the extent that the Purchaser or such other Person shall pay) all necessary and reasonable costs and expenses incurred directly in delivering this Agreement, the Pooling and Servicing Agreement, the Certificates, the prospectus, prospectus supplement and private placement memorandum relating to the Certificates and other related documents, the initial fees, costs and expenses of the Trust Administrator and the Trustee set forth in an engagement letter delivered to the Seller by the Trust Administrator, the fees and expenses of the Purchaser’s counsel in connection with the preparation of all documents relating to the securitization of the Mortgage Loans, the filing fee charged by the
Securities and Exchange Commission for registration of the Certificates, the fees charged by any rating agency to rate the Certificates and the ongoing expenses of the Rating Agencies. All other costs and expenses in connection with the transactions contemplated hereunder shall be borne by the party incurring such expense.

	
            SECTION 10.
 	
            [Reserved].
 

SECTION 11.        Mandatory Delivery; Grant of Security Interest. The sale and delivery on the Closing Date of the Mortgage Loans described on the Mortgage Loan Schedule in accordance with the terms and conditions of this Agreement is mandatory. It is specifically understood and agreed that each Mortgage Loan is unique and identifiable on the date hereof and that an award of money damages would be insufficient to compensate the Purchaser for the losses and damages incurred by the Purchaser in the event of the Seller’s failure to deliver the Mortgage Loans on or before the Closing Date. The Seller hereby grants to the Purchaser a lien on and a continuing security interest in the Seller’s interest in each Mortgage Loan and each document and instrument evidencing each such Mortgage Loan to secure
the performance by the Seller of its obligation hereunder, and the Seller agrees that it holds such Mortgage Loans in custody for the Purchaser, subject to the Purchaser’s (i) right, prior to the Closing Date, to reject any Mortgage Loan to the extent permitted by this Agreement and (ii) obligation to deliver or cause to be delivered the consideration for the Mortgage Loans pursuant to Section 7 hereof. Any Mortgage Loans rejected by the Purchaser shall concurrently therewith be released from the security interest created hereby. The Seller agrees that, upon acceptance of the Mortgage Loans by the Purchaser or its designee and delivery of payment to the Seller, that its security interest in the Mortgage Loans shall be released. All rights and remedies of the Purchaser under this Agreement are distinct from, and cumulative with, any other rights or remedies under this Agreement or afforded by law or equity and all such rights and remedies may be exercised concurrently,
independently or successively.

Notwithstanding the foregoing, if on the Closing Date, each of the conditions set forth in Section 7 hereof shall have been satisfied and the Purchaser shall not have paid or caused to be paid the Mortgage Loan Purchase Price, or any such condition shall not have been waived 

 

or satisfied and the Purchaser determines not to pay or cause to be paid the Mortgage Loan Purchase Price, the Purchaser shall immediately effect the redelivery of the Mortgage Loans, if delivery to the Purchaser has occurred and the security interest created by this Section 11 shall be deemed to have been released.

SECTION 12.        Notices. All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered to or mailed by registered mail, postage prepaid, or transmitted by telex or telegraph and confirmed by a similar mailed writing, if to the Purchaser, addressed to the Purchaser at 390 Greenwich Street, 4th Floor, New York, New York 10013, Attention: Mortgage Finance Group, or such other address as may hereafter be furnished to the Seller in writing by the Purchaser, and if to the Seller, addressed to the Seller at 390 Greenwich Street, 4th Floor, New York, New York 10013, Attention: Mortgage Finance Group, or such other address as may hereafter be furnished to the Purchaser in writing by the Seller.

SECTION 13.        Severability of Provisions. Any part, provision, representation or warranty of this Agreement which is prohibited or which is held to be void or unenforceable shall be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof. Any part, provision, representation or warranty of this Agreement which is prohibited or unenforceable or is held to be void or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction as to any Mortgage Loan shall not invalidate or render unenforceable such provision in any other jurisdiction. To the extent
permitted by applicable law, the parties hereto waive any provision of law which prohibits or renders void or unenforceable any provision hereof.

SECTION 14.        Agreement of Parties. The Seller and the Purchaser each agree to execute and deliver such instruments and take such actions as either of the others may, from time to time, reasonably request in order to effectuate the purpose and to carry out the terms of this Agreement and the Pooling and Servicing Agreement.

SECTION 15.        Survival. The Seller agrees that the representations, warranties and agreements made by it herein and in any certificate or other instrument delivered pursuant hereto shall be deemed to be relied upon by the Purchaser, notwithstanding any investigation heretofore or hereafter made by the Purchaser or on its behalf, and that the representations, warranties and agreements made by the Seller herein or in any such certificate or other instrument shall survive the delivery of and payment for the Mortgage Loans and shall continue in full force and effect, notwithstanding any restrictive or qualified endorsement on the Mortgage Notes and notwithstanding subsequent termination of this Agreement, the Pooling and Servicing Agreement or the Trust Fund.

SECTION 16.       GOVERNING LAW. THIS AGREEMENT AND THE RIGHTS, DUTIES, OBLIGATIONS AND RESPONSIBILITIES OF THE PARTIES HERETO SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS (INCLUDING THE CHOICE OF LAW PROVISIONS) AND DECISIONS OF THE STATE OF NEW YORK. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF 

 

SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW SHALL APPLY TO THIS AGREEMENT.

SECTION 17.        Miscellaneous. This Agreement may be executed in two or more counterparts, each of which when so executed and delivered shall be an original, but all of which together shall constitute one and the same instrument. This Agreement shall inure to the benefit of and be binding upon the parties hereto and their respective successors and assigns. This Agreement supersedes all prior agreements and understandings relating to the subject matter hereof. Neither this Agreement nor any term hereof may be changed, waived, discharged or terminated orally, but only by an instrument in writing signed by the party against whom enforcement of the change, waiver, discharge or termination is sought. The headings in this Agreement are for purposes of reference only and shall not limit or otherwise affect
the meaning hereof.

It is the express intent of the parties hereto that the conveyance of the Mortgage Loans by the Seller to the Purchaser as provided in Section 4 hereof be, and be construed as, a sale of the Mortgage Loans by the Seller to the Purchaser and not as a pledge of the Mortgage Loans by the Seller to the Purchaser to secure a debt or other obligation of the Seller. However, in the event that, notwithstanding the aforementioned intent of the parties, the Mortgage Loans are held to be property of the Seller, then, (a) it is the express intent of the parties that such conveyance be deemed a pledge of the Mortgage Loans by the Seller to the Purchaser to secure a debt or other obligation of the Seller and (b) (1) this Agreement shall also be deemed to be a security agreement within the meaning of Articles 8 and 9 of the New York Uniform Commercial Code; (2) the conveyance provided for in Section 4
hereof shall be deemed to be a grant by the Seller to the Purchaser of a security interest in all of the Seller’s right, title and interest in and to the Mortgage Loans and all amounts payable to the holders of the Mortgage Loans in accordance with the terms thereof and all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts, other than investment earnings, from time to time held or invested in the Collection Account whether in the form of cash, instruments, securities or other property; (3) the possession by the Purchaser or its agent of Mortgage Notes, the related Mortgages and such other items of property that constitute instruments, money, negotiable documents or chattel paper shall be deemed to be “possession by the secured party” for purposes of perfecting the security interest pursuant to Section 9-305 of the New York Uniform Commercial Code; and (4)
notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from, financial intermediaries, bailees or agents (as applicable) of the Purchaser for the purpose of perfecting such security interest under applicable law. Any assignment of the interest of the Purchaser pursuant to Section 4(d) hereof shall also be deemed to be an assignment of any security interest created hereby. The Seller and the Purchaser shall, to the extent consistent with this Agreement, take such actions as may be necessary to ensure that, if this Agreement were deemed to create a security interest in the Mortgage Loans, such security interest would be deemed to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement and the Pooling and Servicing Agreement.

 

 

SECTION 18.        Indemnification. The Seller shall indemnify and hold harmless each of (i) the Purchaser, (ii) Citigroup Global Markets Inc. and (iii) each person, if any, who controls the Purchaser within the meaning of Section 15 of the Securities Act of 1933, as amended (the “1933 Act”) ((i) through (iii) collectively, the “Indemnified Party”) against any and all losses, claims, expenses, damages or liabilities to which the Indemnified Party may become subject, under the 1933 Act or otherwise, insofar as such losses, claims, expenses, damages or liabilities (or actions in respect thereof) arise out of, are based upon, or result from, a breach by the Seller of any of  the representations and warranties made by the Seller herein, it being understood that the Purchaser has relied
upon such representations and warranties.

 

 

IN WITNESS WHEREOF, the Purchaser and the Seller have caused their names to be signed by their respective officers thereunto duly authorized as of the date first above written.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIGROUP MORTGAGE LOAN
 TRUST INC.
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
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            CITIGROUP GLOBAL MARKETS REALTY
 CORP.
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
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EXHIBIT A

 

Representation and Warranties with Respect to the Countrywide Mortgage Loans 

 

Except for “Mortgage Loans”, which shall mean the Countywide Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit A shall have the meanings ascribed to them in the Countrywide Servicing Agreement.

 

a)                Mortgage Loan Schedule.  The information contained in the Mortgage Loan Schedule is complete, true and correct in all material respects;

b)               No Delinquencies or Advances.  All payments required to be made prior to the related Cut-off Date for such Mortgage Loan under the terms of the Mortgage Note have been made; Countrywide has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the Mortgaged Property subject to the Mortgage, directly or indirectly, for the payment of any amount required by the Mortgage Loan; and there has been no delinquency of more than thirty (30) days in any payment by the Mortgagor thereunder during the last twelve (12) months;

c)                Taxes, Assessments, Insurance Premiums and Other Charges.  There are no delinquent taxes, ground rents, or insurance premiums, and Countrywide has no knowledge of any delinquent water charges, sewer rents, assessments, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

d)               No Modifications.  The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments that have been or will be recorded or registered with the MERS System, if necessary to protect the interests of the Purchaser, and that have been or will be delivered to the Purchaser, all in accordance with this Agreement.  The substance of any such waiver, alteration or modification has been approved by the primary mortgage guaranty insurer, if any, and by the title insurer, to the extent required by the related policy and its terms are reflected on the Mortgage Loan Schedule.  No Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved
by the primary mortgage insurer, if any, and the title insurer, to the extent required by the policy, and which assumption agreement is part of the Collateral File and the terms of which are reflected in the Mortgage Loan Schedule if executed prior to the Closing Date;

e)                No Defenses.  The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto;

 

 

f)                Hazard and Flood Insurance.  All buildings upon the Mortgaged Property are insured by an insurer acceptable to an Agency against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, and such insurer is licensed to do business in the state where the Mortgaged Property is located.  All such insurance policies contain a standard mortgagee clause naming Countrywide, its successors and assigns as mortgagee, and all premiums thereon have been paid.  If, upon the origination of the Mortgage Loan, the Mortgaged Property was, or was subsequently deemed to be, in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood
hazards (and such flood insurance has been made available), a flood insurance policy that meets the requirements of the current guidelines of the Federal Insurance Administration (or any successor thereto) and conforms to the requirements of an Agency is in effect.  The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s expense and, upon the failure of the Mortgagor to do so, the holder of the Mortgage is authorized to maintain such insurance at the Mortgagor’s expense and to seek reimbursement herefore from the Mortgagor;

g)                Compliance with Applicable Law.  Each Mortgage Loan, including any Prepayment Charge or penalty in connection therewith, at the time of origination complied in all material respects with applicable local, state and federal laws, and any applicable ordinances, including truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, predatory and abusive lending and disclosure laws applicable to the Mortgage Loan;

h)                No Release of Mortgage.  The Mortgage has not been satisfied, canceled, subordinated, or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such release, cancellation, subordination or rescission;

i)                 Enforceability of Mortgage Documents.  The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms, except as the enforceability thereof may be limited by bankruptcy, insolvency, reorganization or similar laws;

j)                Valid First or Second Lien.  Each related Mortgage is a valid, subsisting and enforceable First Lien (with respect to a First Lien Mortgage Loan) or Second Lien (with respect to a Second Lien Mortgage Loan) on the related Mortgaged Property, including all improvements on the Mortgaged Property.  The lien of the Mortgage is subject only to:

k)               the lien of current real property taxes and assessments not yet due and payable;

l)                 covenants, conditions and restrictions, rights of way, easements and other matters of public record as of the date of recording that are acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and that do not adversely affect the Appraised 

 

Value (as evidenced by an appraisal referred to in such definition) of the Mortgaged Property set forth in such appraisal; 

m)               with respect to a Second Lien Mortgage Loan only, the lien of the first mortgage on the Mortgaged Property; and

n)                other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property;

o)               Disbursements of Proceeds.  The proceeds of the Mortgage Loan have been fully disbursed, and there is no requirement for future advances thereunder, and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds rtgage;

p)               Sole Owner.  Countrywide is the sole owner and holder of the Mortgage Loan.  The Mortgage Loan is not assigned or pledged, and Countrywide has good and marketable title thereto, and has full right to transfer and sell the Mortgage Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest and has full right and authority subject to no interest or participation of, or agreement with, any other party, to sell and assign each Mortgage Loan pursuant to the terms of this Agreement;

q)               Title Insurance.  Each Mortgage Loan that is a First Lien Mortgage Loan and each Mortgage Loan that is a Second Lien Mortgage Loan with an original principal balance greater than $100,000, in either case, is covered by a lender’s title insurance policy acceptable to an Agency, issued by a title insurer acceptable to an Agency and qualified to do business in the jurisdiction where the related Mortgaged Property is located, insuring (subject to the exceptions contained in Section 3.02(j)(i), (ii) and (iii) above) Countrywide, its successors and assigns as to the first or second priority lien of the Mortgage, as applicable.  Additionally, such lender’s title insurance policy affirmatively insures ingress and egress, and against encroachments by
or upon the Mortgaged Property or any interest therein.  With respect to any Adjustable Rate Mortgage Loan, such title insurance policy insures against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage Note providing for adjustment of the Mortgage Interest Rate and Monthly Payment.  Countrywide is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement.  No claims have been made under such lender’s title insurance policy, and no prior holder of the related Mortgage, including Countrywide, has done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy;

r)                No Default.  There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a 

 

default, breach, violation or event of acceleration, and Countrywide has not waived any default, breach, violation or event of acceleration, and with respect to any Second Lien Mortgage Loan, Countrywide has not received a written notice of default of any senior mortgage loan related to the Mortgaged Property which has not been cured;

s)                No Mechanics’ Liens.  There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

t)                Origination, Servicing and Collection Practices.  The origination, servicing and collection practices used by Countrywide with respect to each Mortgage Note and Mortgage have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing business.  With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Countrywide and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made.  No escrow deposits or Escrow Payments or other charges or payments due Countrywide have been capitalized under any Mortgage or the related Mortgage Note.  With respect to Adjustable Rate Mortgage
Loans, all Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note.  Any interest required to be paid pursuant to state and local law has been properly paid and credited;

u)                No Condemnation or Damage.  The Mortgaged Property is free of material damage and waste and there is no proceeding pending for the total or partial condemnation thereof;

v)                Customary and Enforceable Provisions.  The Mortgage contains customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby including (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure;

w)               Collateral.  The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage;

x)                Appraisal.  Unless the Mortgage Loan was underwritten pursuant to one of Countrywide’s streamline documentation programs, the Credit File contains an appraisal of the related Mortgaged Property signed prior to the approval of the Mortgage Loan application by an appraiser who meets the minimum requisite qualifications of an Agency for appraisers, duly appointed by the originator, that had no interest, direct or indirect in the Mortgaged Property, and whose compensation is not affected by the approval or disapproval of the Mortgage Loan; the appraisal is in a form acceptable to an Agency, with such riders as are acceptable to such Agency.  All improvements which were considered in determining the Appraised Value of the related Mortgaged
Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property. Each appraisal of the Mortgage Loan was 

 

made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

y)                Trustee for Deed of Trust.  In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

z)                Private Mortgage Insurance, FHA Insurance and VA Guarantees.  Each Mortgage Loan, except a Second Lien Mortgage Loan or a Mortgage Loan underwritten in accordance with sub-prime credit underwriting guidelines (as any such Mortgage Loans may be identified in the Mortgage Loan Schedule), with an LTV at origination in excess of eighty percent (80%) is and will be subject to a PMI Policy, which insures that portion of the Mortgage Loan over seventy-five percent (75%) of the Appraised Value of the related Mortgaged Property.  All provisions of such PMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid.  Any Mortgage subject to any such PMI Policy obligates the
Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith or, in the case of a lender paid mortgage insurance policy, the premiums and charges are included in the Mortgage Interest Rate for the Mortgage Loan.  Each Government Mortgage Loan either has, or will have in due course, a valid and enforceable MIC or LGC, as applicable and, in each case, all premiums due thereunder have been paid;

aa)              Lawfully Occupied.  At origination, to the best of Countrywide’s knowledge as of the Closing Date, the Mortgaged Property is lawfully occupied under applicable law.  All inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same including certificates of occupancy, have been made or obtained from the appropriate authorities;

bb)             Assignment of Mortgage.  Except for the absence of recording information, the Assignment of Mortgage is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located.  The original Mortgage was or is being recorded and, unless the Mortgage Loan is subject to the MERS System, all subsequent assignments of the original Mortgage (other than the assignment to Purchaser) have been recorded in the appropriate jurisdiction wherein such recordation is necessary to perfect the lien thereof against creditors of Countrywide, or is in the process of being recorded;

cc)              Consolidation of Future Advances.  Any future advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

 

 

dd)             Form of Mortgage Note and Mortgage.  The Mortgage Note and Mortgage are on forms acceptable to an Agency; 

ee)              Section 32 Loans.  No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), (b) a “high cost” mortgage loan, “high risk” mortgage loan; “covered” mortgage loan or “predatory” mortgage loan or a similarly classified mortgage loan using different terminology under a law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and /or fees, no matter how defined, under any federal, state or local law or ordinance, including, without limitation, Section 6-L of the New York Banking Law or (c) subject to any comparable federal, state or local statutes or regulations,
including, without limitation, the provisions of the Georgia Fair Lending Act or any other statute or regulation providing assignee liability to holders of such mortgage loans;

ff)               Originator Supervision.  The Mortgage Loan was originated by Countrywide or by a savings bank, a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD;

gg)              Foreclosure; Bankruptcy.  The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws.  There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage.  Countrywide has no knowledge of any relief requested or allowed to the Mortgagor under the Soldiers and Sailors Civil Relief Act of 1940;  

hh)              Payment Source; Buydown.  No Mortgage contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision.  The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

ii)                Construction; Exchange.  No Mortgage Loan was made solely in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property.

jj)               Investment.  Countrywide has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor, or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or materially and adversely affect the value of the Mortgage Loan.

kk)             Accrual Method.  Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months; and

 

 

ll)                Lending Practices.  No predatory, abusive or deceptive lending practices, including, but not limited to, the extension of credit to the Mortgagor without regard for the Mortgagor’s ability to repay the Mortgage Loan and the extension of credit to the Mortgagor which has no apparent benefit to the Mortgagor, were employed by the originator of the Mortgage Loan in connection with the origination of the Mortgage Loan;

mm)            Prepayment Charges.  Each Prepayment Charge or penalty with respect to any Mortgage Loan is permissible, enforceable and collectible under applicable federal, state and local law;

nn)              No Adverse Selection.  The Mortgage Loans were not selected from the outstanding one to four-family mortgage loans in Countrywide’s portfolio at the related Closing Date as to which the representations and warranties set forth in this Agreement could be made in a manner so as to affect adversely the interests of the Purchaser;

oo)             Due on Sale.  The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the Mortgagee thereunder;

pp)             Legal Capacity.  To the best of Countrywide’s knowledge, all parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties.  The Mortgagor is a natural person;

qq)             Doing Business.  Countrywide is, and to the best of Countrywide’s knowledge, all parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, ance with any and all applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located;

rr)               Interest Rates; Amortization.  Except for a Mortgage Loan, the Monthly Payment of which consists of interest only for a specified period of time (and which Mortgage Loan is identified on the Mortgage Loan Schedule), principal payments on the Mortgage Loan commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed.  The Mortgage Loan bears interest at the Mortgage Interest Rate.  With respect to each Mortgage Loan other than an interest-only Mortgage Loan or Balloon Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, in the case of a Fixed Rate Mortgage Loan, is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest
at the related Mortgage Interest Rate, and, in the case of an Adjustable Rate Mortgage Loan, is changed on each Adjustment Date and is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. With respect to each Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only Mortgage Loan, the interest-only period shall not exceed the period specified on the Mortgage Loan Schedule and, following the expiration of 

 

such interest-only period, the remaining Monthly Payments shall be sufficient to fully amortize the original principal balance over the remaining term of the Mortgage Loan.  With respect to each Balloon Mortgage Loan, the Mortgage Note requires Monthly Payments sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate but requires a final Monthly Payment which is substantially greater than the penultimate Monthly Payment and sufficient to repay the remaining unpaid principal balance of the Balloon Mortgage Loan on the Due Date of such final Monthly Payment;

ss)              Underwriting Standards.  The Mortgage Loan was underwritten in accordance with the underwriting standards of Countrywide in effect at the time the Mortgage Loan was originated;

tt)               Disclosures.  The Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

uu)              No Fraud.  No error, omission, misrepresentation, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of Countrywide or, to the best of Countrywide’s knowledge, any other person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

vv)              Condominiums; Planned Unit Developments.  If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA and FHLMC;

ww)            No Credit Life.  No Mortgagor was required to purchase any credit life, disability, accident or health insurance product as a condition of obtaining the extension of credit.  No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies as a condition to closing such Mortgage Loan;

xx)              Disclosure of Fees and Charges.  All fees and charges (including finance charges), whether or not financed, assessed, collected or to be collected in connection with the origination and servicing of a Mortgage Loan, have been disclosed in writing to the Mortgagor in accordance with applicable state and federal law and regulation;

yy)              Compliance with Consumer Credit Statutes.  The Mortgage Loan complies with all applicable consumer credit statutes and regulations, including, without limitation, the respective Uniform Consumer Credit Code laws in effect in Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, South Carolina, Utah and Wyoming, has been originated by a properly licensed entity, and in all other respects, complies with all of the material requirements of any such applicable laws;

 

 

zz)              No Coops, Commercial Property or Mobile Homes.  No Mortgage Loan is secured by cooperative housing, commercial property or mixed use property, and no Mortgage Loan is a manufactured or mobile home;

aaa)            Fair Credit Reporting.  Countrywide has fully furnished and will continue to furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations (the “FCRA”), accurate and complete information (i.e., favorable and unfavorable) on its Mortgagor credit files to Equifax, Experian, and Trans Union Credit Information Company (three of the credit repositories), on a monthly basis, and will fully furnish, in accordance with the FCRA, accurate and complete information (i.e., favorable and unfavorable) on its mortgagor credit files to Equifax, Experian, and Trans Union Credit Information Company, on a monthly basis;

bbb)           Privacy.  With regard to each Mortgagor, Countrywide shall at all times comply with all laws and regulations regarding use, disclosure and safeguarding of any and all customer information, including without limitation the Gramm Leach Bliley Act, the Fair Credit Reporting Act and Regulation P.  Countrywide has implemented or will implement appropriate measures designed to meet the objectives of the Interagency Guidelines Establishing Standards for Safeguarding Customer Information, 12 CFR Part 30 Appendix B, and has been and continues to be engaged in reviewing its information security program, training of staff, and testing of controls, systems and procedures as required by those guidelines;

ccc)            Anti-Money Laundering Laws.  Countrywide has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”); Countrywide has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the
Anti-Money Laundering Laws;

ddd)           OFAC.  No Mortgage Loan is subject to nullification pursuant to Executive Order 13224, an no Mortgagor is subject to the provisions of such Executive Order;

eee)            MOM Loans; Assignments.  With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule.  The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office;

fff)              MOM Loans; No Notices of Liens.  With respect to each MOM Loan, Countrywide has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

ggg)            The Mortgage Note (or lost note affidavit with market standard indemnification), the Mortgage, the assignment of Mortgage and any other documents required 

 

to be delivered with respect to each Mortgage Loan have been delivered to the Purchaser all in compliance with the specific requirements of this Agreement. With respect to each Mortgage Loan, Countrywide is in possession of a complete Credit File except for such documents as have been delivered to the Purchaser or as otherwise permitted under this Agreement.  No more than 2% of the related Mortgage Loan Package may consist of lost note affidavits in lieu of Mortgage Notes; and

hhh)            Immediately prior to the payment of the Purchase Price for each Mortgage Loan, Countrywide was the owner of the related Mortgage and the indebtedness evidenced by the related Mortgage Note and upon the payment of the Purchase Price by the Purchaser, in the event that Countrywide or one of its affiliates retains record title, Countrywide or such affiliate shall retain such record title to each Mortgage, each related Mortgage Note and the related Mortgage Files with respect thereto in trust for the Purchaser as the owner thereof and only for the purpose of servicing and supervising or facilitating the servicing of each Mortgage Loan.

 

 

 

EXHIBIT B

Representation and Warranties with Respect to the Quicken Mortgage Loans 

 

Except for “Mortgage Loans”, which shall mean the Quicken Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit B shall have the meanings ascribed to them in the Quicken Servicing Agreement.

 

(a)        The information set forth in the related Mortgage Loan Schedule is complete, true and correct;

(b)        The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct;

(c)        All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made.  The Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage; and there has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

(d)        There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

(e)        The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office  or registered with the MERS System if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser or its designee; the substance of any such waiver, alteration or modification has been approved by the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the title insurer, to the extent required by the policy, and which assumption agreement has been
delivered to the Purchaser or its designee and the terms of which are reflected in the related Mortgage Loan Schedule;

(f)         The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto.  Each Prepayment Charge or penalty with respect to any Mortgage Loan is permissible, enforceable and collectible under applicable federal, state and local law;

 

 

(g)        All buildings upon the Mortgaged Property are insured by an insurer acceptable to FNMA or FHLMC against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of FNMA or FHLMC. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid.  If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect
which policy conforms to the requirements of FNMA or FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor’s cost and expense and to seek reimbursement therefor from the Mortgagor;

(h)        Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, predatory and abusive lending, consumer credit protection, equal credit opportunity, fair housing or disclosure laws applicable to the origination and servicing of mortgage loans of a type similar to the Mortgage Loans have been complied with;

(i)         The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

(j)         The Mortgage is a valid, existing and enforceable first or second (as indicated on the Mortgage Loan Schedule) lien on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (c) to the extent the Mortgage Loan is a second lien Mortgage Loan, the related first lien on the Mortgaged Property; and (d) other matters to which
like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, existing and enforceable first or second (as indicated on the Mortgage Loan Schedule) lien and first or second (as indicated on the Mortgage Loan Schedule) priority security interest on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

 

 

(k)        The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms except as such enforcement may be limited by bankruptcy;

(l)         All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

(m)       The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

(n)        The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage and has full right to transfer and sell the Mortgage Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest;

(o)        All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) in material compliance with any and all applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located (or were otherwise exempt from such requirements under applicable law);

(p)        The Mortgage Loan is covered by an American Land Title Association (“ALTA”) lender’s title insurance policy (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1) acceptable to FNMA or FHLMC, issued by a title insurer acceptable to FNMA or FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained in (x)(a) and (b) above) the Seller, its successors and assigns as to the first or second (as indicated on the Mortgage Loan Schedule) priority lien of the Mortgage in the original principal amount of the Mortgage Loan and, with respect to any Adjustable Rate Mortgage Loan, against any loss by reason of the invalidity or unenforceability of the lien resulting from the
provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment.  Additionally, such lender’s title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender’s title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy;

 

 

(q)        There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration.  With respect to each second lien mortgage loan (i) the first lien mortgage loan is in full force and effect, (ii) there is no default, breach, violation or event of acceleration existing under such first lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration thereunder, and either (A) the first lien
mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the second lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the first lien mortgage;

(r)         There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

(s)         All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

(t)         As of the origination of the Mortgage Loan, no improvement located on the Mortgaged Property was in violation of any applicable zoning or subdivision laws or ordinances;

(u)        The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank, credit union, insurance company or similar institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD pursuant to Section 203 and 211 of the National Housing Act;

(v)        Principal payments on the Mortgage Loan commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed.  The Mortgage Loan bears interest at the Mortgage Interest Rate.  With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, other than with respect to a Balloon Mortgage Loan, in the case of a Fixed Rate Mortgage Loans, are sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate, and, in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate.  The Index for each
Adjustable Rate Mortgage Loan is as defined in the related Confirmation.  With respect to each Balloon Mortgage Loan, the Mortgage Note requires a monthly payment which is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate and requires a final Monthly Payment substantially greater than the preceding monthly payment which is sufficient 

 

to repay the remained unpaid principal balance of the Balloon Mortgage Loan as of the Due Date of such monthly payment.  The Mortgage Note does not permit negative amortization.  No Mortgage Loan is a Convertible Mortgage Loan;

(w)       The origination and collection practices used by the Seller with respect to each Mortgage Note and Mortgage have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry.  The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with the terms of the Mortgage Note.  With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller
for any work on a Mortgaged Property which has not been completed;

(x)        The Mortgaged Property is in good repair and is free of damage and waste and there is no proceeding pending for the total or partial condemnation thereof;

(y)        The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure.  The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage. The Mortgagor has not notified the Seller and the Seller has no
knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers’ Civil Relief Act;

(z)         The Mortgage Loan was underwritten in accordance with the underwriting standards of the Seller in effect at the time the Mortgage Loan was originated which underwriting standards satisfy the standards of FNMA or FHLMC; and the Mortgage Note and Mortgage are on forms acceptable to FNMA or FHLMC; 

(aa)       The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

(bb)      The Mortgage File contains an appraisal of the related Mortgaged Property which satisfied the standards of FNMA or FHLMC, was on appraisal form 1004 or form 2055 with an interior inspection with respect to each first lien Mortgage Loan, and on appraisal form 704, 2065 or 2055 with an exterior inspection with respect to each second lien Mortgage Loan, and was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of 

 

FNMA or FHLMC.  Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

(cc)       In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

(dd)      No Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision. The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

(ee)       The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

(ff)        No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

(gg)       The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value of the Mortgage Loan;

(hh)       No Mortgage Loan had an LTV or a CLTV at origination in excess of 100%. Each Mortgage Loan with an LTV or CLTV at origination in excess of 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property required by FNMA. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium;

(ii)         The Mortgaged Property is, to the best of the Seller’s knowledge, lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or 

 

issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy, have been made or obtained from the appropriate authorities;

(jj)        No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

(kk)      For each Mortgage Loan that is not a MOM Loan, the Assignment of Mortgage is in recordable form except for the name of the assignee which is blank and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located.  The original Mortgage was or is being recorded and, unless the Mortgage Loan is subject to the MERS System, all subsequent assignments of the original Mortgage (other than the assignment to Purchaser) have been recorded in the appropriate jurisdiction wherein such recordation is necessary to perfect the lien thereof against creditors of Seller, or is in the process of being recorded.

(ll)         Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first or second lien priority by a title insurance policy or an endorsement to the policy insuring the mortgagee’s consolidated interest. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

(mm)     Unless otherwise set forth on the related Mortgage Loan Schedule, no Mortgage Loan has a balloon payment feature;

(nn)       If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA or FHLMC;

(oo)      The source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

(pp)      Interest on each Mortgage Loan is calculated on the basis of a 360 day year consisting of twelve 30 day months;

(qq)      The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

(rr)        Seller shall, at its own expense, cause each Mortgage Loan to be covered by a Tax Service Contract which is assignable to the Purchaser or its designee; provided 

 

however, that if the Seller fails to purchase such Tax Service Contract, the Seller shall be required to reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

(ss)       Each Mortgage Loan is covered by a Flood Zone Service Contract which is assignable to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

(tt)        No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), (b) a “high cost” mortgage loan, “covered” mortgage loan or “predatory” mortgage loan or any other comparable term, no matter how defined under any federal, state or local law, (c) subject to any comparable federal, state or local statutes or regulations, or any other statute or regulation providing for heightened regulatory scrutiny or assignee liability to holders of such mortgage loans, or (d) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the current Standard & Poor’s LEVELS® Glossary Revised, Appendix E);

(uu)       No predatory or deceptive lending practices, including but not limited to, the extension of credit to a mortgagor without regard for the mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a mortgagor which has no apparent benefit to the mortgagor, were employed in connection with the origination of the Mortgage Loan.  Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of the FNMA Guides;

(vv)       The debt-to-income ratio of the related Mortgagor was not greater than 60% at the origination of the related Mortgage Loan; 

(ww)     No Mortgagor was required to purchase any credit life, disability, accident or health insurance product as a condition of obtaining the extension of credit.  No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance policy in connection with the origination of the Mortgage Loan.  No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies as part of the origination of, or as a condition to closing, such Mortgage Loan;

(xx)       The Mortgage Loans were not selected from the outstanding one to four-family mortgage loans in the Seller’s portfolio at the related Closing Date as to which the representations and warranties set forth in this Agreement could be made in a manner so as to affect adversely the interests of the Purchaser;

(yy)       The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the mortgagee thereunder;

(zz)       The Mortgage Loan complies with all applicable consumer credit statutes and regulations, including, without limitation, the respective Uniform Consumer Credit Code laws in effect in Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, South Carolina, Utah and Wyoming (to the extent that the related Mortgaged Property is located in such state), 

 

has been originated by a properly licensed entity, and in all other respects, complies with all of the material requirements of any such applicable laws;

(aaa)     The information set forth in the Prepayment Charge Schedule is complete, true and correct in all material respects and each Prepayment Charge is permissible, enforceable and collectable under applicable federal and state law;

(bbb)    The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date; 

(ccc)     No Mortgage Loan is secured by cooperative housing, commercial property, mobile homes, manufactured housing or mixed use property;

(ddd)    Except as set forth on the related Mortgage Loan Schedule, none of the Mortgage Loans are subject to a Prepayment Charge.  For any Mortgage Loan originated prior to October 1, 2002 that is subject to a Prepayment Charge, such Prepayment Charge does not extend beyond five years after the date of origination.  For any Mortgage Loan originated on or following October 1, 2002 that is subject to a Prepayment Charge, such Prepayment Charge does not extend beyond three years after the date of origination.  With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a prepayment prior to maturity: (i) prior to the Mortgage Loan’s origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a rate or fee reduction, (ii) prior to the Mortgage Loan’s
origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of such a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the loan documents pursuant to applicable state and federal law, (v) for Mortgage Loans originated on or after September 1, 2004, the duration of the Prepayment Period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in prepayment period, and (v) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the mortgage debt is accelerated as the result of the Mortgagor’s default in making the loan payments;

(eee)     The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”); the Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws.  No Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the
“Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC 

 

Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations;

(fff)       No Mortgage Loan is secured by real property or secured  by a manufactured home located in the state of Georgia unless (x) such Mortgage Loan was originated prior to October 1, 2002 or after March 6, 2003, or (y) the property securing the Mortgage Loan is not, nor will be, occupied by the Mortgagor as the Mortgagor’s principal dwelling.  No Mortgage Loan is a “High Cost Home Loan” as defined in the Georgia Fair Lending Act, as amended (the “Georgia Act”) or  the New York Banking Law 6-1.   Each Mortgage Loan that is a “Home Loan” under the Georgia Act complies with all applicable provisions of the Georgia Act. No Mortgage Loan secured by owner occupied real property or an owner occupied manufactured home located in the State of Georgia was originated (or modified) on or after October 1, 2002 through and
including March 6, 2003;

(ggg)     No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan’s originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator.  If, at the time of loan application, the Mortgagor may have qualified for a for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration;

(hhh)     The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension.  Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

(iii)        With respect to each Mortgage Loan, the Seller has fully and accurately furnished complete information on the related borrower credit files to Equifax, Experian and Trans Union Credit Information Company, in accordance with the Fair Credit Reporting Act and its implementing regulations, on a monthly basis and the Seller for each Loan will furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information on its borrower credit files to Equifax, Experian, and Trans Union Credit  Information Company, on a monthly basis;

(jjj)       All points and fees related to each Mortgage Loan were disclosed in writing to the related Borrower in accordance with applicable state and federal law and regulation.  Except in the case of a Mortgage Loan in an original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Borrower was charged “points and fees” (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in accordance with Fannie Mae’s anti-predatory lending requirements as set forth in the Fannie Mae Selling Guide;

 

 

(kkk)    All fees and charges (including finance charges) and whether or not financed, assessed, collected or to be collected in connection with the origination and servicing of each Mortgage Loan has been disclosed in writing to the Mortgagor in accordance with applicable state and federal law and regulation;

(lll)        The Seller will transmit full-file credit reporting data for each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan, Seller agrees it shall report one of the following statuses each month as follows: new origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;

(mmm)  No Mortgage Loan is a “High Cost Home Loan” as defined in the Arkansas Home Loan Protection Act effective October 16, 2003 (Act 1340 or 2003);

(nnn)     No Mortgage Loan is a “High Cost Home Loan” as defined in the Kentucky high-cost loan statute effective June 24, 2003 (Ky. Rev. Stat. Section 360.100); 

(ooo)    No Mortgage Loan secured by property located in the State of Nevada is a “home loan” as defined in the Nevada Assembly Bill No. 284;

(ppp)    No Mortgage Loan is a “manufactured housing loan” or “home improvement home loan” pursuant to the New Jersey Home Ownership Act.  No Mortgage Loan is a “High-Cost Home Loan” or a refinanced “Covered Home Loan,” in each case, as defined in the New Jersey Home Ownership Act effective November 27, 2003 (N.J.S.A. 46;10B-22 et seq.);

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

(rrr)      No Mortgage Loan is a subsection 10 mortgage under the Oklahoma Home Ownership and Equity protection Act;

(sss)      No Mortgage Loan is a “High-Cost Home Loan” as defined in the New Mexico Home Loan Protection Act effective January 1, 2004 (N.M. Stat. Ann. §§ 58-21A-1 et seq.); 

(ttt)       No Mortgage Loan is a “High-Risk Home Loan” as defined in the Illinois High-Risk Home Loan Act effective January 1, 2004 (815 Ill. Comp. Stat. 137/1 et seq.);

(uuu)     No Mortgage Loan originated in the City of Los Angeles is subject to the City of Los Angeles California Ordinance 175008 as a “home loan” 

(vvv)     No Mortgage Loan originated in the City of Oakland is subject to the City of Oakland, California Ordinance 12361 as a “home loan”

(www)  No Mortgage Loan is a “High-Cost Home Loan” as defined under the Maine House Bill 383 L.D. 494, effective as of September 13, 2003;

 

 

(xxx)     No Mortgage Loan is a “High-Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Loan Practices Act, effective November 5, 2004 (Mass. Ann. Laws Ch. 183C);

(yyy)     With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by Mortgaged Property in the State of Illinois which has a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan.   

(zzz)      With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule.  The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office; 

(aaaa)   With respect to each MERS Mortgage Loan, Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

(bbbb)  No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction, and with respect to any Mortgage Loan originated on or after August 1, 2004, neither the Mortgage nor the Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the origination of the Mortgage Loan;

(cccc)   Each Mortgage Loan is eligible for sale in the secondary market or for inclusion in a Pass-Through Transfer without unreasonable credit enhancement;

(dddd)  With respect to each Mortgage Loan, (i) if the related first lien provides for negative amortization, the CLTV was calculated at the maximum principal balance of such first lien that could result upon application of such negative amortization feature, and (ii) either no consent for the Mortgage Loan is required by the holder of the first lien or such consent has been obtained and is contained in the Mortgage File; 

(eeee)   Each Imaged Document represents a true, complete, and correct copy of the Original Document in all respects, including, but not limited to, all signatures conforming with signatures contained in the Original Document, no information having been added or deleted, and no Imaged Document having been manipulated or altered in any manner. Each Imaged Document is clear and legible, including, but not limited to, accurate reproductions of photographs. No Original Documents have been or will be altered in any manner; 

(ffff)      The destruction of any Original Document or the inability of the Seller to produce a copy of such Original Document upon request shall not cause (i) any delay in the enforcement of the Mortgage Loan, (ii) any inability to collect all amounts due under the Mortgage Loan, including without limitation, in connection with a foreclosure or other sale of the Mortgaged Property, (iii) private institutional investors to regard the Mortgage Loan as an unacceptable investment or adversely affect the value or marketability of the Mortgage Loan, or 

 

(iv) any claims from holders of mortgage-backed securities collateralized by the Mortgage Loan.; and 

(gggg)   With respect to each Mortgage Loan that is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property (a “Ground Lease”) and not by a fee interest in such Mortgaged Property:

(i)         The Mortgagor is the owner of a valid and subsisting interest as tenant under the Ground Lease;

(ii)         The Ground Lease is in full force and effect, unmodified and not supplemented by any writing or otherwise;

(iii)        The Mortgagor is not in default under any of the terms thereof and there are no circumstances which, with the passage of time or the giving of notice or both, would constitute an event of default thereunder;

(iv)        The lessor under the Ground Lease is not in default under any of the terms or provisions thereof on the part of the lessor to be observed or performed;

(v)        The term of the Ground Lease exceeds the maturity date of the related Mortgage Loan by at least ten years;

(vi)        The Ground Lease or a memorandum thereof has been recorded and by its terms permits the leasehold estate to be mortgaged.  The Ground Lease grants any leasehold mortgagee standard protection necessary to protect the security of a leasehold mortgagee;

(vii)       The Ground Lease does not contain any default provisions that could give rise to forfeiture or termination of the Ground Lease except for the non-payment of the Ground Lease rents;

(viii)      The execution, delivery and performance of the Mortgage do not require the consent (other than those consents which have been obtained and are in full force and effect) under, and will not contravene any provision of or cause a default under, the Ground Lease; 

(ix)        The Ground Lease provides that the leasehold can be transferred, mortgaged and sublet an unlimited number of times either without restriction or on payment of a reasonable fee and delivery of reasonable documentation to the lessor;

(x)        The Mortgagor has not commenced any action or given or received any notice for the purpose of terminating the Ground Lease;

(xi)        No lessor, as debtor in possession or by a trustee for such lessor has give any notice of, and the Mortgagor has not consented to, any attempt to 

 

transfer the related Mortgaged Property free and clear of such Ground Lease under section 363(f) of the Bankruptcy Code; and

(xii)       No lessor is subject to any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding and no Mortgaged Property is an asset in any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding.”

 

 

EXHIBIT C

 

Representation and Warranties with Respect to the National City Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the National City Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit C shall have the meanings ascribed to them in the National City Servicing Agreement.

 

	
            (a)
 	
            Mortgage Loans as Described.  The information set forth in the related Mortgage Loan Schedule is complete, true and correct;
 
	
            (b)
 	
            Payments Current.  All payments required to be made up to the related Closing Date for the Mortgage Loan under the terms of the Mortgage Note have been made and credited. No payment required under the Mortgage Loan has been 30 or more days delinquent at any time in the past 12 months preceding the related Closing Date. The first two Monthly Payments shall be made with respect to the Mortgage Loan within the month in which it is due, all in accordance with the terms of the related Mortgage Note;
 
	
            (c)
 	
            No Outstanding Charges.  There are no defaults in complying with the terms of the Mortgages, and all taxes, governmental assessments, insurance premiums, ground rents, leasehold payments, water, sewer and municipal charges, leasehold payments or ground rents which previously became due and owing have been paid, or an escrow of funds has been established in an amount sufficient to pay for every such item which remains unpaid and which has been assessed but is not yet due and payable. The Company has not advanced funds, or induced, solicited or knowingly received any advance of funds by a party other than the Mortgagor, directly or indirectly, for the payment of any amount required under the Mortgage Loan, except for interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage Loan proceeds, whichever
is greater, to the day which precedes by one month the Due Date of the first installment of principal and interest; 
 
	
            (d)
 	
            Original Terms Unmodified.  The terms of the Mortgage Note and Mortgage have not been impaired, waived, altered or modified in any respect, except by a written instrument which has been recorded, if necessary to protect the interests of the Purchaser and which has been delivered to the Custodian. The substance of any such waiver, alteration or modification has been approved by the issuer of any related PMI Policy and the title insurer, to the extent required by the policy, and its terms are reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the issuer of any related PMI Policy and the title insurer, to the extent required by the policy, and which
assumption agreement is part of the Mortgage Loan File delivered 
 

 

to the Custodian and the terms of which are reflected in the related Mortgage Loan Schedule;

	
            (e)
 	
            No Defenses.  The Mortgage Loan is not subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, nor will the operation of any of the terms of the Mortgage Note or the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto, and no Mortgagor was a debtor in any state or federal bankruptcy or insolvency proceeding at the time the Mortgage Loan was originated;
 
	
            (f)
 	
            Hazard Insurance.  All buildings or other improvements upon the Mortgaged Property are insured by a generally acceptable insurer against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located pursuant to insurance policies conforming to the requirements of Section 4.10. If the Mortgaged Property is in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Flood Insurance Administration is in effect which policy conforms to the requirements of Section 4.10. All individual insurance policies contain a standard mortgagee clause naming the Company and its
successors and assigns as mortgagee, and all premiums thereon have been paid. The Mortgage obligates the Mortgagor thereunder to maintain the hazard insurance policy at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at such Mortgagor’s cost and expense, and to seek reimbursement therefor from the Mortgagor. Where required by state law or regulation, the Mortgagor has been given an opportunity to choose the carrier of the required hazard insurance, provided the policy is not a “master” or “blanket” hazard insurance policy covering the common facilities of a planned unit development. The hazard insurance policy is the valid and binding obligation of the insurer, is in full force and effect, and will be in full force and effect and inure to the benefit of the Purchaser upon the consummation of the transactions contemplated by this Agreement. The
Company has not engaged in, and has no knowledge of the Mortgagor, any Subservicer or any prior originator or subservicer having engaged in, any act or omission which would impair the coverage of any such policy, the benefits of the endorsement provided for herein, or the validity and binding effect of either, including without limitation, no unlawful fee, unlawful commission, unlawful kickback or other unlawful compensation or value of any kind has been or will be received, retained or realized by any attorney, firm or other person or entity, and no such unlawful items have been received, retained or realized by the Company;
 

 

 

 

	
            (g)
 	
            Compliance with Applicable Laws.  Any and all requirements of any federal, state or local law including, without limitation, usury, truth-in-lending, predatory and abusive lending laws, real estate settlement procedures, consumer credit protection, equal credit opportunity or disclosure laws applicable to the origination and servicing of the Mortgage Loan have been complied with, and the Company shall maintain in its possession, available for the Purchaser’s inspection, and shall deliver to the Purchaser upon demand, evidence of compliance with all such requirements;
 
	
            (h)
 	
            No Satisfaction of Mortgage.  The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such release, cancellation, subordination or rescission. The Company has not waived the performance by the Mortgagor of any action, if the Mortgagor’s failure to perform such action would cause the Mortgage Loan to be in default, nor has the Company waived any default resulting from any action or inaction by the Mortgagor;
 
	
            (i)
 	
            Location and Type of Mortgaged Property.  The Mortgaged Property is a fee simple or leasehold property located in the state identified in the related Mortgage Loan Schedule and consists of a parcel of real property with a detached single family residence erected thereon, or a two- to four-family dwelling, or an individual condominium unit in a low-rise condominium project, or an individual unit in a planned unit development, provided, however, that any condominium project or planned unit development shall conform with the Company’s Underwriting Guidelines regarding such dwellings, and no residence or dwelling is a mobile home or a manufactured dwelling. No portion of the Mortgaged Property is used for commercial purposes; 
 
	
            (j)
 	
            Valid First Lien.  The Mortgage is a valid, subsisting, enforceable and perfected first lien on the Mortgaged Property, including all buildings and improvements on the Mortgaged Property, and all additions, alterations and replacements made at any time with respect to the foregoing. The lien of the Mortgage is subject only to:
 
	
            (k)
 	
            the lien of current real property taxes and assessments not yet due and payable;
 
	
            (l)
 	
            covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and (i) referred to or to otherwise considered in the appraisal made for the originator of the Mortgage Loan or (ii) which do not adversely affect the Appraised Value of the Mortgaged Property set forth in such appraisal; and
 

 

 

 

	
            (m)
 	
            other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property.
 
	
            (n)
 	
            Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, subsisting and enforceable first lien and first priority security interest on the property described therein and the Company has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secured debt or other security instrument creating a lien subordinate to the lien of the Mortgage;
 
	
            (o)
 	
            Validity of Mortgage Documents.  The Mortgage Note and the Mortgage are genuine, and each is the legal, valid and binding obligation of the maker thereof enforceable in accordance with its terms. All parties to the Mortgage Note and the Mortgage and any other related agreement had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage and any other related agreement, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The documents, instruments and agreements submitted for loan underwriting were not falsified and contain no untrue statement of material fact or omit to state a material fact required to be stated therein or necessary to make the information and statements therein not misleading. No fraud was committed in connection with
the origination of the Mortgage Loan. The Company has reviewed all of the documents constituting the Servicing File and has made such inquiries as it deems necessary to make and confirm the accuracy of the representations set forth herein; 
 
	
            (p)
 	
            No misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan.
 
	
            (q)
 	
            Full Disbursement of Proceeds.  The Mortgage Loan has been closed and the proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no requirement for future advances thereunder, and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage were paid, and the Mortgagor is not entitled to any refund of any amounts paid or due under the Mortgage Note or Mortgage;
 

 

 

 

	
            (r)
 	
            Ownership.  The Company is the sole owner of record and holder of the Mortgage Loan. The Mortgage Loan is not assigned or pledged, and the Company has good and marketable title thereto, and has full right to transfer and sell the Mortgage Loan therein to the Purchaser free and clear of any encumbrance, equity, participation interest, lien, pledge, charge, claim or security interest, and has full right and authority subject to no interest or participation of, or agreement with, any other party, to sell and assign each Mortgage Loan pursuant to this Agreement;
 
	
            (s)
 	
            Doing Business.  All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) (1) in compliance with any and all applicable doing business’ and licensing requirements of the laws of the state wherein the Mortgaged Property is located, and (2) (a) organized under the laws of such state, (b) qualified to do business in such state, (c) federal savings and loan associations or national banks having principal offices in such state, or (d) not doing business in such state;
 
	
            (t)
 	
            LTV, PMI Policy.  No Mortgage Loan has a LTV equal to or greater than 95%. The original LTV of the Mortgage Loan either was not more than 80% or (i) the excess over 75% is and will be insured as to payment defaults by a PMI Policy until the LTV of such Mortgage Loan is reduced to 80%, or (ii) is subject to an LPMI Policy, which will stay in effect for the life of the Mortgage Loan.  All provisions of such PMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. No action, inaction, or event has occurred and no state of facts exists that has, or will result in the exclusion from, denial of, or defense to coverage. Any Mortgage Loan subject to a PMI Policy obligates the Mortgagor thereunder to maintain the PMI Policy and to pay all premiums and charges
in connection therewith; provided, that, with respect to LPMI Loans, the related Servicer is obligated thereunder to maintain the LPMI Policy and to pay all premiums and charges in connection therewith..  The Mortgage Interest Rate for the Mortgage Loan as set forth on the related Mortgage Loan Schedule is net of any such insurance premium;
 
	
            (u)
 	
            Title Insurance.  The Mortgage Loan is covered by either (i) an attorney’s opinion of title and abstract of title the form and substance of which is acceptable to mortgage lending institutions making mortgage loans in the area where the Mortgaged Property is located or (ii) an ALTA lender’s title insurance policy or other generally acceptable form of policy of insurance acceptable to Fannie Mae or Freddie Mac, issued by a title insurer acceptable to Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring the Company, its successors and assigns, as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan (or to the extent that a Mortgage Note provides for negative amortization, the maximum amount of 
 

 

negative amortization in accordance with the Mortgage), subject only to the exceptions contained in clauses (1), (2) and (3) of paragraph (j) of this Section 3.02. Where required by state law or regulation, the Mortgagor has been given the opportunity to choose the carrier of the required mortgage title insurance. Additionally, such lender’s title insurance policy affirmatively insures ingress and egress, and against encroachments by or upon the Mortgaged Property or any interest therein. The Company is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender’s title insurance policy, and no prior holder of the Mortgage, including the Company, has
done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy including without limitation, no unlawful fee, commission, kickback or other unlawful compensation or value of any kind has been or will be received, retained or realized by any attorney, firm or other person or entity, and no such unlawful items have been received, retained or realized by the Company;

	
            (v)
 	
            No Defaults.  There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and neither the Company nor its predecessors have waived any default, breach, violation or event of acceleration;
 
	
            (w)
 	
            No Mechanics’ Liens.  There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under the law could give rise to such liens) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;
 
	
            (x)
 	
            Location of Improvements; No Encroachments.  All improvements which were considered in determining the Appraised Value of the Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property and no improvements on adjoining properties encroach upon the Mortgaged Property. No improvement located on or being part of the Mortgaged Property is in violation of any applicable zoning law or regulation;
 
	
            (y)
 	
            Origination: Payment Terms. Such Mortgage Loan was originated by a savings and loan association, savings bank, commercial bank, credit union, insurance company, or similar institution which is supervised and examined by a federal or state authority, or by a mortgagee approved by the Secretary of Housing and Urban Development pursuant to sections 203 and 211 of the National Housing Act. The Mortgage Interest Rate is the interest rate set forth in the Mortgage Note.  The Mortgage Note is payable each month in equal monthly installments of principal and interest, with interest calculated and payable in arrears, sufficient to amortize the Mortgage Loan fully by the 
 

 

stated maturity date, over an original term of not more than thirty years from commencement of amortization. There is no negative amortization; 

	
            (z)
 	
            Customary Provisions.  The Mortgage and the related Mortgage Note contains customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (i) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (ii) otherwise by judicial foreclosure. Upon default by a Mortgagor on a Mortgage Loan and foreclosure on, or trustee’s sale of, the Mortgaged Property pursuant to the proper procedures, the holder of the Mortgage Loan will be able to deliver good and merchantable title to the Mortgaged Property. There is no homestead or other exemption available to a Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee’s
sale or the right to foreclose the Mortgage;
 
	
            (aa)
 	
            Conformance with Underwriting Guidelines.  The Mortgage Loan was underwritten in accordance with the Company’s Underwriting Guidelines in effect at the time the Mortgage Loan was originated. The Mortgage Loan is in conformity with the standards of Freddie Mac or Fannie Mae under one of their respective home mortgage purchase programs (except that the principal balance of certain Mortgage Loans may have exceeded the limits of Fannie Mae and Freddie Mac) and the Mortgage Note and Mortgage are on forms acceptable to Freddie Mac or Fannie Mae;
 
	
            (bb)
 	
            Occupancy of the Mortgaged Property.  As of the related Closing Date the Mortgaged Property is lawfully occupied under applicable law. All inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities.  Except as otherwise stated on the Mortgage Loan Schedule, the Mortgagor represented at the time of origination of the Mortgage Loan that the Mortgagor would occupy the Mortgaged Property as the Mortgagor’s primary residence;
 
	
            (cc)
 	
            No Additional Collateral.  The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage and the security interest of any applicable security agreement or chattel mortgage referred to in (j) above; 
 
	
            (dd)
 	
            Deeds of Trust.  In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;
 

 

 

 

	
            (ee)
 	
            Acceptable Investment.  The Company has no knowledge of any circumstances or conditions with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause private institutional investors to regard the Mortgage Loan as an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value or marketability of the Mortgage Loan;
 
	
            (ff)
 	
            Delivery of Mortgage Documents.  The Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents required to be delivered for the Mortgage Loan by the Company under this Agreement as set forth in Exhibit C attached hereto have been delivered to the Custodian. The Company is in possession of a complete, true and accurate Mortgage File in compliance with Exhibit B, except for such documents the originals of which have been delivered to the Custodian;
 
	
            (gg)
 	
            Condominiums/Planned Unit Developments.  If the dwelling on the Mortgaged Property is a condominium unit or a planned unit development (other than a de minimus planned unit development) such condominium or planned unit development project meets Fannie Mae and Freddie Mac eligibility requirements.
 
	
            (hh)
 	
            Transfer of Mortgage Loans.  The Assignment of Mortgage is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;
 
	
            (ii)
 	
            Due on Sale.  The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the Mortgagor thereunder;
 
	
            (jj)
 	
            Consolidation of Future Advances.  Any future advances made prior to the related Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to Fannie Mae and Freddie Mac. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;
 
	
            (kk)
 	
            Mortgaged Property Undamaged.  There is no proceeding pending or, to the best of the Company’s knowledge, threatened for the total or partial condemnation of the Mortgaged Property. The Mortgaged Property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty so as to affect adversely the value of the Mortgaged 
 

 

Property as security for the Mortgage Loan or the use for which the premises were intended; and

	
            (ll)
 	
            Collection Practices; Escrow Deposits.  The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage Note.  With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to
pay for every item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which has not been completed; 
 
	
            (mm)
 	
            Appraisal.  The Mortgage File contains an appraisal of the related Mortgage Property signed prior to the approval of the Mortgage Loan application by a qualified appraiser, duly appointed by the Company, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof; and whose compensation is not affected by the approval or disapproval of the Mortgage Loan, and the appraisal and appraiser both satisfy the requirements of Title XI of the Federal Institutions Reform, Recovery, and Enforcement Act of 1989 and the regulations promulgated thereunder, all as in effect on the date the Mortgage Loan was originated;
 
	
            (nn)
 	
            Soldiers’ and Sailors’ Relief Act.  The Mortgagor has not notified the Company, and the Company has no knowledge of any relief requested or allowed to the Mortgagor under the Soldiers’ and Sailors’ Civil Relief Act of 1940, as amended;
 
	
            (oo)
 	
            Environmental Matters.  The Mortgaged Property is free from any and all toxic or hazardous substances and there exists no violation of any local, state or federal environmental law, rule or regulation. To the best of the Company’s knowledge, there is no pending action or proceeding directly involving any Mortgaged Property of which the Company is aware in which compliance with any environmental law, rule or regulation is an issue; and to the best of the Company’s knowledge, nothing further remains to be done to satisfy in full all requirements of each such law, rule or regulation consisting a prerequisite to use and enjoyment of said property; 
 

 

 

 

	
            (pp)
 	
            Insurance.  The Company has caused or will cause to be performed any and all acts required to preserve the rights and remedies of the Purchaser in any insurance policies applicable to the Mortgage Loans including, without limitation, any necessary notifications of insurers, assignments of policies or interests therein, and establishments of coinsured, joint loss payee and mortgagee rights in favor of the Purchaser;  No action, inaction, or event has occurred and no state of fact exists or has existed that has resulted or will result in the exclusion from, denial of, or defense to coverage under any applicable pool insurance policy, special hazard insurance policy, PMI Policy or bankruptcy bond, irrespective of the cause of such failure of coverage. In connection with the placement of any such insurance, no commission, fee, or
other compensation has been or will be received by the Company or any designee of the Company or any corporation in which the Company or any officer, director, or employee had a financial interest at the time of placement of such insurance;
 
	
            (qq)
 	
            Regarding the Mortgagor.  The Mortgagor is one or more natural persons and/or trustees for an Illinois land trust or a trustee under a “living trust” and such “living trust” is in compliance with Fannie Mae guidelines for such trusts;
 
	
            (rr)
 	
            High Cost Loans.  No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), (b) a “high cost” mortgage loan, “covered” mortgage loan or “predatory” or “abusive”  mortgage loan or any other comparable term, no matter how defined, under any federal, state or local law including, without limitation, Section 6-L of the New York Banking Law or (c) subject to any comparable federal, state or local statutes or regulations, including, without limitation, the provisions of the Georgia Fair Lending Act, the City of Oakland, California Anti-Predatory Lending Ordinance No. 12361 or any other statute or regulation providing assignee liability or enhanced regulatory scrutiny to holders of such mortgage loans.  The total
combined points and fees charged in connection wit the origination of the Mortgage Loan does not exceed 5% of the original principal balance of the Mortgage Loan;
 
	
            (ss)
 	
            Simple Interest Mortgage Loans.  None of the Mortgage Loans are simple interest Mortgage Loans;
 
	
            (tt)
 	
            Single Premium Credit Life Insurance.  None of the proceeds of the Mortgage Loan were used to finance single-premium credit life insurance policies;
 
	
            (uu)
 	
            Tax Service Contract The Company has obtained a life of loan, transferable real estate Tax Service Contract on each Mortgage Loan with an Approved Tax Servicer Contract Provider and such contract is assignable without penalty, premium or cost to the Purchaser;
 

 

 

 

	
            (vv)
 	
            Flood Certification Contract. The Company has obtained a life of loan, transferable flood certification contract with an Approved Flood Policy Insurer acceptable to Purchaser in its sole discretion for each Mortgage Loan and such contract is assignable without penalty, premium or cost to the Purchaser;
 

	
            (ww)
 	
            FICO Scores. Each Mortgage Loan has a non-zero FICO score;
 
	
            (xx)
 	
            [Reserved]
 	
             

	
            (yy)
 	
            Recordation.  Each original Mortgage was recorded and all subsequent assignments of the original Mortgage (other than the assignment to the Purchaser) have been recorded in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of the Company, or is in the process of being recorded; 
 
	
            (zz)
 	
            Leaseholds.  If the Mortgage Loan is secured by a long-term residential lease, (1) the lessor under the lease holds a fee simple interest in the land; (2) the terms of such lease expressly permit the mortgaging of the leasehold estate, the assignment of the lease without the lessor’s consent and the acquisition by the holder of the Mortgage of the rights of the lessee upon foreclosure or assignment in lieu of foreclosure or provide the holder of the Mortgage with substantially similar protections; (3) the terms of such lease do not (a) allow the termination thereof upon the lessee’s default without the holder of the Mortgage being entitled to receive written notice of, and opportunity to cure, such default, (b) allow the termination of the lease in the event of damage or destruction as long as the Mortgage
is in existence, (c) prohibit the holder of the Mortgage from being insured (or receiving proceeds of insurance) under the hazard insurance policy or policies relating to the Mortgaged Property or (d) permit any increase in rent other than pre-established increases set forth in the lease; (4) the original term of such lease is not less than 15 years; (5) the term of such lease does not terminate earlier than five years after the maturity date of the Mortgage Note; and (6) the Mortgaged Property is located in a jurisdiction in which the use of leasehold estates in transferring ownership in residential properties is a widely accepted practice;
 
	
            (aaa)
 	
            Payment in Full:  No Mortgage Loan will be paid in full on or prior to the related Closing Date;
 
	
            (bbb)
 	
            Delinquency information.  The information delivered by the Seller to the Purchaser with respect to the Seller’s loan loss, foreclosure and delinquency experience for the twelve (12) months immediately preceding the Initial Closing Date on mortgage loans underwritten to the same standards as the Mortgage Loans and covering mortgaged properties similar to the Mortgaged Properties, is true and correct in all material respects;
 

 

 

 

	
            (ccc)
 	
            The Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents required to be delivered with respect to each Mortgage Loan pursuant; have been delivered in compliance with the specific requirements hereof.  With respect to each Mortgage Loan, the Company is in possession of a complete Mortgage File in compliance with Exhibit B, except for such documents as have been delivered to the Custodian;
 
	
            (ddd)
 	
            Interest Rate.  Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months;
 
	
            (eee)
 	
            Advances: No Buydowns; No Graduated Payments.  No Mortgage Loan contains provisions pursuant to which Monthly payments are (a) paid or partially paid with funds deposited in any separate account established by the Company, the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision.  The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature.  No Mortgage Loan has a balloon payment feature.  No Mortgage Loan has a balloon payment feature;
 
	
            (fff)
 	
            Construction Loan.  No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade in or exchange of a Mortgaged Property;
 
	
            (ggg)
 	
            No predatory, abusive or deceptive lending practices, including but not limited to, the extension of credit to a mortgagor without regard for the mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a mortgagor which has no apparent benefit to the mortgagor, were employed in connection with the origination of the Mortgage Loan;
 
	
            (hhh)
 	
            No Mortgagor was required to purchase any credit life, disability, accident or health insurance  product as a condition of obtaining the extension of credit.  No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance  policy in connection with the origination of the Mortgage Loan.  No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies as part of the origination of, or as a condition to closing, such Mortgage Loan;
 
	
            (iii)
 	
            If applicable to the Company or any subsequent Owner, the Mortgage Loan complies with all applicable consumer credit statutes and regulations, including, without limitation, the respective Uniform Consumer Credit Code laws in effect in Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, South Carolina, Utah and Wyoming, has been originated by a properly licensed entity, and in all other respects, complies with all of the material requirements of any such applicable laws;
 

	
            (jjj)
 	
            [Reserved];
 

 

 

 

	
            (kkk)
 	
            If applicable to the Company or any subsequent Owner, except as set forth on the related Mortgage Loan Schedule, none of the Mortgage Loans are subject to a prepayment penalty.  For any Mortgage Loan originated prior to October 1, 2002 that is subject to a prepayment penalty, such prepayment penalty does not extend beyond five years after the date of origination.  For any Mortgage Loan originated on or following October 1, 2002 that is subject to a prepayment penalty, such prepayment penalty does not extend beyond three years after the date of origination.  With respect to any Mortgage Loan that contains a provision permitting imposition of a premium upon a prepayment prior to maturity: (i) prior to the Mortgage Loan's origination, the Mortgagor agreed to such premium in exchange for a monetary benefit, including but not limited
to a rate or fee reduction, (ii) prior to the Mortgage Loan's origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of such a premium, (iii) the prepayment premium is disclosed to the Mortgagor in the loan documents pursuant to applicable state and federal law, and (iv) notwithstanding any state or federal law to the contrary, the Seller shall not impose such prepayment premium in any instance when the mortgage debt is accelerated as the result of the Mortgagor's default in making the loan payments;
 
	
            (lll)
 	
            The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the "Anti-Money Laundering Laws"); the Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws;
 
	
            (mmm)
 	
            No Mortgage Loan is secured by real property or secured  by a manufactured home located in the state of Georgia unless (x) such Mortgage Loan was originated prior to October 1, 2002 or after March 6, 2003, or (y) the property securing the Mortgage Loan is not, nor will be, occupied by the Mortgagor as the Mortgagor's principal dwelling.  No Mortgage Loan is a "High Cost Home Loan" as defined in the Georgia Fair Lending Act, as amended (the "Georgia Act").   Each Mortgage Loan that is a "Home Loan" under the Georgia Act complies with all applicable provisions of the Georgia Act. No Mortgage Loan secured by owner occupied real property or an owner occupied manufactured home located in the State of Georgia was originated (or modified) on or after October 1, 2002 through and including March 6, 2003, if applicable to the Company or any
subsequent Owner;
 
	
            (nnn)
 	
            If applicable to the Company or any subsequent Owner, no Mortgagor was encouraged or required to select a Mortgage Loan product offered by the 
 

 

Mortgage Loan's originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan's origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan's originator or any affiliate of the Mortgage Loan's originator.  If, at the time of loan application, the Mortgagor may have qualified for a for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan's originator, the Mortgage Loan's originator referred the Mortgagor's application to such affiliate for underwriting consideration;

	
            (ooo)
 	
            The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor's income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor's equity in the collateral as the principal determining factor in approving such credit extension.  Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan; 
 
	
            (ppp)
 	
            All fees and charges (including finance charges) and whether or not financed, assessed, collected or to be collected in connection with the origination and servicing of each Mortgage Loan have been disclosed in writing to the Mortgagor in accordance with applicable state and federal law and regulation;
 
	
            (qqq)
 	
            With respect to each Mortgage Loan, neither the related Mortgage nor the related Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction;
 
	
            (rrr)
 	
            With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by a Mortgage Property located in the State of Illinois is in violation of the provisions of the Illinois Interest Act, including Section 4.1a which provides that no such Mortgage Loan with a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan; and
 
	
            (sss)
 	
            No Mortgage Loan originated on or after November 7, 2004 secured by a Mortgaged Property located in the State of Massachusetts is a Refinanced Mortgage Loan.
 

 

 

EXHIBIT D

 

Representation and Warranties with Respect to the 2005-W77 Wells Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the 2005-W77 Wells Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit D shall have the meanings ascribed to them in the 2005-W77 Wells Servicing Agreement.

 

 

	
            (a)
 	
            Mortgage Loans as Described.
 

 

The information set forth in the Mortgage Loan Schedule attached hereto as Exhibits A and the information contained on the related electronic Data File attached hereto as Exhibit A-1, delivered to the Purchaser is true and correct;

 

	
            (b)
 	
            Payments Current.
 

 

All payments required to be made up to the Cut-off Date for the Mortgage Loan under the terms of the Mortgage Note have been made and credited.  No payment under any Mortgage Loan has been 30 days delinquent more than one time within twelve months prior to the Closing Date;

 

	
            (c)
 	
            No Outstanding Charges.
 

 

There are no defaults in complying with the terms of the Mortgages, and all taxes, governmental assessments, insurance premiums, leasehold payments, water, sewer and municipal charges, which previously became due and owing have been paid, or an escrow of funds has been established in an amount sufficient to pay for every such item which remains unpaid and which has been assessed but is not yet due and payable.  The Company has not advanced funds, or induced, or solicited directly or indirectly, the payment of any amount required under the Mortgage Loan, except for interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage Loan proceeds, whichever is later, to the day which precedes by one month the Due Date of the first installment of principal and interest;

 

	
            (d)
 	
            Original Terms Unmodified.
 

 

The terms of the Mortgage Note and Mortgage have not been impaired, waived, altered or modified in any respect, except by a written instrument which has been recorded or registered with the MERS System, if necessary, to protect the interests of the Purchaser and is retained by the Company in the Retained Mortgage file; the related Mortgage Note has been delivered to the Custodian.  The substance of any such waiver, alteration or modification has been approved by the issuer of any related PMI Policy and the title insurer, to the extent required by the policy, and its terms are reflected on the Mortgage Loan Schedule.  No 

 

Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the issuer of any related PMI Policy and the title insurer, to the extent required by the policy, and which assumption agreement is part of the Custodial Mortgage File delivered to the Custodian and the terms of which are reflected in the Mortgage Loan Schedule;

 

	
            (e)
 	
            No Defenses.
 

 

The Mortgage Loan is not subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, nor will the operation of any of the terms of the Mortgage Note or the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto;

 

	
            (f)
 	
            No Satisfaction of Mortgage.
 

 

The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, release, cancellation, subordination or rescission;

 

	
            (g)
 	
            Validity of Mortgage Documents.
 

 

The Mortgage Note and the Mortgage and related documents are genuine, and each is the legal, valid and binding obligation of the maker thereof enforceable in accordance with its terms.  All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties.  The Company has reviewed all documents constituting the Retained Mortgage file and Custodial Mortgage File and has made such inquiries as it deems necessary to make and confirm the accuracy of the representations set forth herein;

 

With respect to each Cooperative Loan, the Mortgage Note, the Mortgage, the Pledge Agreement, and related documents are genuine, and each is the legal, valid and binding obligation of the maker thereof enforceable in accordance with its terms.  All parties to the Mortgage Note, the Mortgage, the Pledge Agreement, the Proprietary Lease, the Stock Power, Recognition Agreement and the Assignment of Proprietary Lease had legal capacity to enter into the Mortgage Loan and to execute and deliver such documents, and such documents have been duly and properly executed by such parties;

 

 

 

	
            (h)
 	
            No Fraud.
 

 

No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of the Company, or the Mortgagor, or to the best of the Company’s knowledge, any appraiser, any builder, or any developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

 

	
            (i)
 	
            Compliance with Applicable Laws.
 

 

Any and all requirements of any federal, state or local law including, without limitation, usury, truth-in-lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, disclosure or predatory and abusive lending laws applicable to the Mortgage Loan have been complied with.  All inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including, but not limited to, certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities;

 

	
            (j)
 	
            Location and Type of Mortgaged Property.
 

 

The Mortgaged Property is located in the state identified in the Mortgage Loan Schedule and consists of a contiguous parcel of real property with a detached single family residence erected thereon, or a two- to four-family dwelling, or an individual condominium unit in a condominium project, or an individual unit in a planned unit development, or a townhouse, or a Cooperative Apartment, provided, however, that any condominium project or planned unit development shall conform with the applicable Fannie Mae or Freddie Mac requirements, or the Underwriting Guidelines, regarding such dwellings, and no residence or dwelling is a mobile home.  As of the respective appraisal date for each Mortgaged Property, any Mortgaged Property being used for commercial purposes conforms to the Underwriting Guidelines and, to the best of the Company’s knowledge, since the date of such appraisal, no portion
of the Mortgaged Property has been used for commercial purposes outside of the Underwriting Guidelines;

 

	
            (k)
 	
            Valid First Lien.
 

 

The Mortgage is a valid, subsisting and enforceable first lien on the Mortgaged Property, including all buildings on the Mortgaged Property and all installations and mechanical, electrical, plumbing, heating and air conditioning systems located in or annexed to such buildings, and all additions, alterations and replacements made at any time with respect to the foregoing.  The lien of the Mortgage is subject only to:

 

 

 

	
            (1)
 	
            the lien of current real property taxes and assessments not yet due and payable;
 

 

	
            (2)
 	
            covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording acceptable to mortgage lending institutions generally and specifically referred to in the lender's title insurance policy delivered to the originator of the Mortgage Loan and (i) referred to or otherwise considered in the appraisal made for the originator of the Mortgage Loan and (ii) which do not adversely affect the Appraised Value of the Mortgaged Property set forth in such appraisal; and
 

 

	
            (3)
 	
            other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property.
 

 

Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, subsisting and enforceable first lien and first priority security interest on the property described therein and the Company has full right to sell and assign the same to the Purchaser.

 

With respect to each Cooperative Loan, each Pledge Agreement creates a valid, enforceable and subsisting first security interest in the Cooperative Shares and Proprietary Lease, subject only to (i) the lien of the related Cooperative for unpaid assessments representing the Mortgagor’s pro rata share of the Cooperative’s payments for its blanket mortgage, current and future real property taxes, insurance premiums, maintenance fees and other assessments to which like collateral is commonly subject and (ii) other matters to which like collateral is commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Pledge Agreement; provided, however, that the appurtenant Proprietary Lease may be subordinated or otherwise subject to the lien of any mortgage on the Project;  

 

	
            (l)
 	
            Full Disbursement of Proceeds.
 

 

The proceeds of the Mortgage Loan have been fully disbursed, except for escrows established or created due to seasonal weather conditions,  and there is no requirement for future advances thereunder.  All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage were paid, and the Mortgagor is not entitled to any refund of any amounts paid or due under the Mortgage Note or Mortgage;

 

	
            (m)
 	
            Consolidation of Future Advances.
 

 

 

 

Any future advances made prior to the Cut-off Date, have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule.  The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to Fannie Mae or Freddie Mac; the consolidated principal amount does not exceed the original principal amount of the Mortgage Loan; the Company shall not make future advances after the Cut-off Date;

 

	
            (n)
 	
            Ownership.
 

 

The Company is the sole owner of record and holder of the Mortgage Loans and the related Mortgage Note and the Mortgage are not assigned or pledged, and the Company has good and marketable title thereto and has full right and authority to transfer and sell the Mortgage Loan to the Purchaser.  The Company is transferring the Mortgage Loan free and clear of any and all encumbrances, liens, pledges, equities, participation interests, claims, charges or security interests of any nature encumbering such Mortgage Loan;

 

	
            (o)
 	
            Origination/Doing Business.
 

 

The Mortgage Loan was originated by a savings and loan association, a savings bank, a commercial bank, a credit union, an insurance company, or similar institution that is supervised and examined by a federal or state authority or by a mortgagee approved by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act. All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were)  (1) in compliance with any and all applicable licensing requirements of the laws of the state wherein the Mortgaged Property is located, and (2) organized under the laws of such state, or (3) qualified to do business in such state, or (4) federal savings and loan associations or national banks having principal offices in such state,
or (5) not doing business in such state;

 

	
            (p)
 	
            LTV, PMI Policy.
 

 

Each Mortgage Loan has an LTV as specified on the Mortgage Loan Schedule.  Except for Pledged Asset Mortgage Loans, if the LTV of the Mortgage Loan was greater than 80% at the time of origination, a portion of the unpaid principal balance of the Mortgage Loan is and will be insured as to payment defaults by a PMI Policy.  If the Mortgage Loan is insured by a PMI Policy for which the Mortgagor pays all premiums, the coverage will remain in place until (i) the LTV decreases to 78% or (ii) the PMI Policy is otherwise terminated pursuant to the Homeowners 

 

Protection Act of 1998, 12 USC §4901, et seq.  All provisions of such PMI Policy or LPMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid.  The Qualified Insurer has a claims paying ability acceptable to Fannie Mae or Freddie Mac.  Any Mortgage Loan subject to a PMI Policy or LPMI Policy obligates the Mortgagor or the Company, as applicable, to maintain the PMI Policy or LPMI Policy and to pay all premiums and charges in connection therewith.  The Mortgage Interest Rate for the Mortgage Loan as set forth on the Mortgage Loan Schedule is net of any such insurance premium; 

 

	
            (q)
 	
            Title Insurance.
 

 

The Mortgage Loan is covered by an ALTA lender's title insurance policy (or in the case of any Mortgage Loan secured by a Mortgaged Property located in a jurisdiction where such policies are generally not available, an opinion of counsel of the type customarily rendered in such jurisdiction in lieu of title insurance) or other generally acceptable form of policy of insurance acceptable to Fannie Mae or Freddie Mac, issued by a title insurer acceptable to Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring the Company, its successors and assigns, as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan, subject only to the exceptions contained in clauses (1), (2) and (3) of Paragraph (k) of this Section 3.02, and against any loss by reason of the invalidity or unenforceability
of the lien resulting from the provisions of the Mortgage providing for adjustment to the Mortgage Interest Rate and Monthly Payment.  Additionally, such lender’s title insurance policy includes no exceptions regarding ingress, egress or encroachments that impact the value or the marketability of the Mortgaged Property.  The Company is the sole insured of such lender's title insurance policy, and such lender's title insurance policy is in full force and effect and will be in force and effect upon the consummation of the transactions contemplated by this Agreement.  No claims have been made under such lender's title insurance policy, and no prior holder of the Mortgage, including the Company, has done, by act or omission, anything which would impair the coverage of such lender's title insurance policy;

 

	
            (r)
 	
            No Defaults.
 

 

There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and neither the Company nor its predecessors have waived any default, breach, violation or event of acceleration; 

 

 

	
            (s)
 	
            No Mechanics' Liens.
 

 

There are no mechanics' or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under the law could give rise to such liens) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage which are not insured against by the title insurance policy referenced in Paragraph (q) above;

 

	
            (t)
 	
            Location of Improvements; No Encroachments.
 

 

Except as insured against by the title insurance policy referenced in Paragraph (q) above, all improvements which were considered in determining the Appraised Value of the Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property and no improvements on adjoining properties encroach upon the Mortgaged Property.  No improvement located on or being part of the Mortgaged Property is in violation of any applicable zoning law or regulation;

 

	
            (u)
 	
            Payment Terms.
 

 

Except with respect to the Interest Only Mortgage Loans, principal payments commenced no more than 60 days after the funds were disbursed to the Mortgagor in connection with the Mortgage Loan.  The Mortgage Loans have an original term to maturity of not more than 30 years, with interest payable in arrears on the first day of each month.  As to each adjustable rate Mortgage Loan on each applicable Adjustment Date, the Mortgage Interest Rate will be adjusted to equal the sum of the Index plus the applicable Gross Margin, rounded up or down to the nearest multiple of 0.125% indicated by the Mortgage Note; provided that the Mortgage Interest Rate will not increase or decrease by more than the Periodic Interest Rate Cap on any Adjustment Date, and will in no event exceed the maximum Mortgage Interest Rate or be lower than the minimum Mortgage Interest Rate listed on the Mortgage Loan Schedule
for such Mortgage Loan.  As to each adjustable rate Mortgage Loan that is not an Interest Only Mortgage Loan, each Mortgage Note requires a monthly payment which is sufficient, during the period prior to the first adjustment to the Mortgage Interest Rate, to fully amortize the outstanding principal balance as of the first day of such period over the then remaining term of such Mortgage Note and to pay interest at the related Mortgage Interest Rate.  As to each adjustable rate Mortgage Loan, if the related Mortgage Interest Rate changes on an Adjustment Date or, with respect to an Interest Only Mortgage Loan, on an Adjustment Date following the related interest only period, the then outstanding principal balance will be reamortized over the remaining life of such Mortgage Loan.  No Mortgage Loan contains terms or provisions which would result in negative amortization; 

 

 

	
            (v)
 	
            Customary Provisions.
 

 

The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (i) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (ii) otherwise by judicial foreclosure.  There is no homestead or other exemption available to a Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage;

 

	
            (w)
 	
            Occupancy of the Mortgaged Property.
 

 

As of the date of origination, the Mortgaged Property was in good repair and was lawfully occupied under applicable law;

 

	
            (x)
 	
            No Additional Collateral.
 

 

Except in the case of a Pledged Asset Mortgage Loan and as indicated on the related Data File, the Mortgage Note is not and has not been secured by any collateral, pledged account or other security except the lien of the corresponding Mortgage and the security interest of any applicable security agreement or chattel mortgage referred to in Paragraph (k) above;

 

	
            (y)
 	
            Deeds of Trust.
 

 

In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Mortgagee to the trustee under the deed of trust, except in connection with a trustee's sale after default by the Mortgagor;

 

	
            (z)
 	
            Acceptable Investment.
 

 

The Company has no knowledge of any circumstances or conditions with respect to the Mortgage Loan, the Mortgaged Property, the Mortgagor or the Mortgagor's credit standing that can reasonably be expected to cause private institutional investors to regard the Mortgage Loan as an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value or marketability of the Mortgage Loan;

 

	
            (aa)
 	
            Transfer of Mortgage Loans.
 

 

If the Mortgage Loan is not a MERS Mortgage Loan, the Assignment of Mortgage, upon the insertion of the name of the assignee and recording information, is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

 

 

 

	
            (bb)
 	
            Mortgaged Property Undamaged.
 

 

The Mortgaged Property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty so as to affect adversely the value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended;

 

	
            (cc)
 	
            Collection Practices; Escrow Deposits.
 

 

The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all material respects legal and proper.  With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made.  All Escrow Payments have been collected in full compliance with state and federal law.  No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage Note;

 

	
            (dd)
 	
            No Condemnation.
 

 

There is no proceeding pending or to the best of the Company’s knowledge threatened for the total or partial condemnation of the related Mortgaged Property;

 

	
            (ee)
 	
            The Appraisal.
 

 

The Mortgage File include an appraisal, with the exception of any Time$aver® Mortgage Loan (which at the original origination were on form 1004 or form 2055 with interior inspections), of the related Mortgaged Property.  The appraisal was conducted by an appraiser who had no interest, direct or indirect, in the Mortgaged Property or in any loan made on the security thereof; and whose compensation is not affected by the approval or disapproval of the Mortgage Loan, and the appraisal and the appraiser both satisfy the applicable requirements of Title XI of the Financial Institution Reform, Recovery, and Enforcement Act of 1989 and the regulations promulgated thereunder, all as in effect on the date the Mortgage Loan was originated;

 

	
            (ff)
 	
            Insurance.
 

 

The Mortgaged Property securing each Mortgage Loan is insured by an insurer acceptable to Fannie Mae or Freddie Mac against loss by fire and such hazards as are covered under a standard extended coverage endorsement and such other hazards as are customary in the area where the Mortgaged Property is located pursuant to insurance policies conforming to the requirements of Section 4.10, in an amount which is at least equal to the lesser of (i) 100% of the insurable value 

 

on a replacement cost basis of the improvements securing such Mortgaged Loan and (ii) the greater of (a) the outstanding principal balance of the Mortgage Loan and (b) an amount such that the proceeds thereof shall be sufficient to prevent the Mortgagor or the loss payee from becoming a co-insurer.  If the Mortgaged Property is a condominium unit, it is included under the coverage afforded by a blanket policy for the project.  If the improvements on the Mortgaged Property are in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards, the Servicer shall cause to be maintained a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect with a generally acceptable insurance carrier, in an amount representing coverage not less than the least of (A) the
outstanding principal balance of the Mortgage Loan, (B) the full insurable value and (C) the maximum amount of insurance which was available under the Flood Disaster Protection Act of 1973, as amended. All individual insurance policies contain a standard mortgagee clause naming the Company and its successors and assigns as mortgagee, and all premiums thereon have been paid.  The Mortgage obligates the Mortgagor thereunder to maintain a hazard insurance policy at the Mortgagor's cost and expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at such Mortgagor's cost and expense, and to seek reimbursement therefor from the Mortgagor.  The hazard insurance policy is the valid and binding obligation of the insurer, is in full force and effect, and will be in full force and effect and inure to the benefit of the Purchaser upon the consummation of the transactions contemplated by this Agreement.  The Company
has not acted or failed to act so as to impair the coverage of any such insurance policy or the validity, binding effect and enforceability thereof;

 

	
            (gg)
 	
            Servicemembers Civil Relief Act.
 

 

The Mortgagor has not notified the Company, and the Company has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act, as amended;

 

	
            (hh)
 	
            No Balloon Payments, Graduated Payments or Contingent Interests.
 

 

The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature.  No Mortgage Loan has a balloon payment feature;

 

	
            (ii)
 	
            No Construction Loans.
 

 

No Mortgage Loan was made in connection with (i) the construction or rehabilitation of a Mortgage Property or (ii) facilitating the trade-in or exchange of a Mortgaged Property other than a construction-to-permanent loan which has converted to a permanent Mortgage Loan;

 

 

 

	
            (jj)
 	
            Underwriting.
 

 

Each Mortgage Loan was underwritten in accordance with the Underwriting Guidelines of the Company; and the Mortgage Note and Mortgage are on forms acceptable to Freddie Mac or Fannie Mae;

 

	
            (kk)
 	
            Buydown Mortgage Loans.
 

 

With respect to each Mortgage Loan that is a Buydown Mortgage Loan:

 

	
            (i)
 	
            On or before the date of origination of such Mortgage Loan, the Company and the Mortgagor, or the Company, the Mortgagor and the seller of the Mortgaged Property or a third party entered into a Buydown Agreement.  The Buydown Agreement provides that the seller of the Mortgaged Property (or third party) shall deliver to the Company temporary Buydown Funds in an amount equal to the aggregate undiscounted amount of payments that, when added to the amount the Mortgagor on such Mortgage Loan is obligated to pay on each Due Date in accordance with the terms of the Buydown Agreement, is equal to the full scheduled Monthly Payment due on such Mortgage Loan.  The temporary Buydown Funds enable the Mortgagor to qualify for the Buydown Mortgage Loan.  The effective interest rate of a Buydown Mortgage Loan if less than the interest rate set forth in the related Mortgage Note
will increase within the Buydown Period as provided in the related Buydown Agreement so that the effective interest rate will be equal to the interest rate as set forth in the related Mortgage Note.  The Buydown Mortgage Loan satisfies the requirements of Fannie Mae or Freddie Mac guidelines;
 

 

	
            (ii)
 	
            The Mortgage and Mortgage Note reflect the permanent payment terms rather than the payment terms of the Buydown Agreement.  The Buydown Agreement provides for the payment by the Mortgagor of the full amount of the Monthly Payment on any Due Date that the Buydown Funds are available.  The Buydown Funds were not used to reduce the original principal balance of the Mortgage Loan or to increase the Appraised Value of the Mortgage Property when calculating the Loan-to-Value Ratios for purposes of the Agreement and, if the Buydown Funds were provided by the Company and if required under Fannie Mae or Freddie Mac guidelines, the terms of the Buydown Agreement were disclosed to the appraiser of the Mortgaged Property;
 

 

	
            (iii)
 	
            The Buydown Funds may not be refunded to the Mortgagor unless the Mortgagor makes a principal payment for the outstanding balance of the Mortgage Loan; and
 

 

 

 

	
            (iv)
 	
            As of the date of origination of the Mortgage Loan, the provisions of the related Buydown Agreement complied with the requirements of Fannie Mae or Freddie Mac regarding buydown agreements;
 

 

	
            (ll)
 	
            Cooperative Loans.
 

 

	
            With respect to each Cooperative Loan:
 

 

	
            (i)
 	
            The Cooperative Shares are held by a person as a tenant-stockholder in a Cooperative.  Each original UCC financing statement, continuation statement or other governmental filing or recordation necessary to create or preserve the perfection and priority of the first lien and security interest in the Cooperative Loan and Proprietary Lease has been timely and properly made.  Any security agreement, chattel mortgage or equivalent document related to the Cooperative Loan and delivered to Purchaser or its designee establishes in Purchaser a valid and subsisting perfected first lien on and security interest in the Mortgaged Property described therein, and Purchaser has full right to sell and assign the same;
 

 

	
            (ii)
 	
            A Cooperative Lien Search has been made by a company competent to make the same which company is acceptable to Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction where the Cooperative is located;
 

 

	
            (iii)
 	
            (a) The term of the related Proprietary Lease is not less than the terms of the Cooperative Loan; (b) there is no provision in any Proprietary Lease which requires the Mortgagor to offer for sale the Cooperative Shares owned by such Mortgagor first to the Cooperative; (c) there is no prohibition in any Proprietary Lease against pledging the Cooperative Shares or assigning the Proprietary Lease; (d) the Cooperative has been created and exists in full compliance with the requirements for residential cooperatives in the jurisdiction in which the Project is located and qualifies as a cooperative housing corporation under Section 210 of the Code; (e) the Recognition Agreement is on a form published by Aztech Document Services, Inc. or includes similar provisions; and (f) the Cooperative has good and marketable title to the Project, and owns the Project either in fee
simple; such title is free and clear of any adverse liens or encumbrances, except the lien of any blanket mortgage;
 

 

	
            (iv)
 	
            The Company has the right under the terms of the Mortgage Note, Pledge Agreement and Recognition Agreement to pay any maintenance charges or assessments owed by the Mortgagor; and
 

 

	
            (v)
 	
            Each Stock Power (i) has all signatures guaranteed or (ii) if all signatures are not guaranteed, then such Cooperative Shares will be transferred by the stock transfer agent of the Cooperative if the Company undertakes to 
 

 

convert the ownership of the collateral securing the related Cooperative Loan.;

 

	
            (mm)
 	
            HOEPA.
 

 

No Mortgage Loan is a Covered Loan or a High Cost Loan (in the case of state or local law, as determined without giving effect to any available federal preemption, other than any exemptions specifically provided for in the relevant state or local law);

 

	
            (nn)
 	
            Anti-Money Laundering Laws.
 

 

The Company has complied with all applicable anti-money laundering laws and regulations, (the "Anti-Money Laundering Laws"), and has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws;

 

	
            (oo)
 	
            Bankruptcy.
 

 

No Mortgagor was a debtor in any state or federal bankruptcy or insolvency proceeding as of the date the Mortgage Loan was closed and the proceeds of the Mortgage Loan were distributed; 

 

	
            (pp)
 	
            Due on Sale.
 

 

The Mortgage or Mortgage Note contains an enforceable provision, to the extent not prohibited by federal law, for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the Mortgagee thereunder, provided that, with respect to Mortgage Notes which bear an adjustable rate of interest, such provision shall not be enforceable if the Mortgagor causes to be submitted to the Company to evaluate the intended transferee as if a new Mortgage Loan were being made to such transferee, and the Company reasonably determines that the security will not be impaired by such Mortgage Loan assumption and that the risk of breach of any covenant or agreement in such Mortgage is acceptable to the Purchaser;

 

	
            (qq)
 	
            Credit Reporting.
 

 

With respect to each Mortgage Loan, the Company has furnished complete information on the related borrower credit files to Equifax, Experian and Trans Union Credit Information Company, in accordance with the Fair Credit Reporting Act and its implementing regulations; 

 

 

 

	
            (rr)
 	
            Delivery of Mortgage Files.
 

 

The Mortgage Note, Assignment of Mortgage and any other documents required to be delivered by the Company have been delivered to the Custodian in accordance with this Agreement.  The Company is in possession of a complete, true and accurate Retained Mortgage File in compliance with Exhibit B, except for such documents the originals of which have been delivered to the Custodian or for such documents where the originals of which have been sent for recordation;

 

	
            (ss)
 	
            Single Premium Credit Life Insurance.
 

 

No Mortgagor has been offered or required to purchase single premium credit insurance in connection with the origination of the Mortgage Loan;

 

	
            (tt)
 	
            Payment in Full.
 

 

The Company had no knowledge, at the time of origination of the Mortgage Loan, of any fact that should have led it to expect that such Mortgage Loan would not be paid in full when due; 

 

	
            (uu)
 	
            MERS Mortgage Loans.
 

 

With respect to each MERS Mortgage Loan, a MIN has been assigned to the Mortgage Loan, the MIN appears on the Mortgage or related Assignment of Mortgage to MERS, the Mortgage or the related Assignment of Mortgage to MERS has been duly and properly recorded on MERS, and the transfer to the Purchaser has been properly reflected in the MERS System pursuant to the Purchaser’s registration instructions;

 

	
            (vv)
 	
            Leasehold Estates.
 

No Mortgage Loan has a ground lease; and

 

	
            (ww)
 	
            Contents of Retained Mortgage File.
 

 

The Retained Mortgage File contains the documents listed as items 6 through 11 of Exhibit B attached hereto.

 

 

EXHIBIT E

 

Representation and Warranties with Respect to the MortgageIT Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the MortgageIT Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit E shall have the meanings ascribed to them in the MortgageIT Servicing Agreement.

 

a)                The information set forth in the related Mortgage Loan Schedule is complete, true and correct;

b)               The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct;

c)                All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made.  The Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage; and there has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

d)               There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

e)                The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office  or registered with the MERS System if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser or its designee; the substance of any such waiver, alteration or modification has been approved by the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the title insurer, to the extent required by the
policy, and which assumption agreement has been delivered to the Purchaser or its designee and the terms of which are reflected in the related Mortgage Loan Schedule;

f)                The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto.  Each 

 

Prepayment Charge or penalty with respect to any Mortgage Loan is permissible, enforceable and collectible under applicable federal, state and local law;

g)                All buildings upon the Mortgaged Property are insured by an insurer acceptable to FNMA or FHLMC against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of FNMA or FHLMC. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid.  If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the
Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA or FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor’s cost and expense and to seek reimbursement therefor from the Mortgagor;

h)                Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, predatory and abusive lending, consumer credit protection, equal credit opportunity, fair housing or disclosure laws applicable to the origination and servicing of mortgage loans of a type similar to the Mortgage Loans have been complied with;

i)                 The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

j)                The Mortgage is a valid, existing and enforceable first or second (as indicated on the Mortgage Loan Schedule) lien on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (c) to the extent the Mortgage Loan is a second lien Mortgage Loan, the related first lien on the
Mortgaged Property; and (d) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, existing and enforceable first or second (as indicated on the Mortgage Loan Schedule) lien and first or second (as indicated on the Mortgage Loan Schedule) priority security interest on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, 

 

subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

k)               The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms except as such enforcement may be limited by bankruptcy;

l)                 All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

m)               The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

n)                The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage and has full right to transfer and sell the Mortgage Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest;

o)               All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) in material compliance with any and all applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located (or were otherwise exempt from such requirements under applicable law);

p)               The Mortgage Loan is covered by an American Land Title Association (“ALTA”) lender’s title insurance policy (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1) acceptable to FNMA or FHLMC, issued by a title insurer acceptable to FNMA or FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained in (x)(a) and (b) above) the Seller, its successors and assigns as to the first or second (as indicated on the Mortgage Loan Schedule) priority lien of the Mortgage in the original principal amount of the Mortgage Loan and, with respect to any Adjustable Rate Mortgage Loan, against any loss by reason of the invalidity or
unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment.  Additionally, such lender’s title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender’s title insurance policy, and no 

 

prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy;

q)               There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration.  With respect to each second lien mortgage loan (i) the first lien mortgage loan is in full force and effect, (ii) there is no default, breach, violation or event of acceleration existing under such first lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of
acceleration thereunder, and either (A) the first lien mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the second lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the first lien mortgage;

r)                There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

s)                All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

t)                As of the origination of the Mortgage Loan, no improvement located on the Mortgaged Property was in violation of any applicable zoning or subdivision laws or ordinances;

u)                The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank, credit union, insurance company or similar institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD pursuant to Section 203 and 211 of the National Housing Act;

v)                Principal payments on the Mortgage Loan commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed.  The Mortgage Loan bears interest at the Mortgage Interest Rate.  With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, other than with respect to a Balloon Mortgage Loan, in the case of a Fixed Rate Mortgage Loans, are sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate, and, in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the
related Mortgage Interest Rate.  The Index for each Adjustable Rate Mortgage Loan is as defined in the related Confirmation.  With respect to each Balloon Mortgage Loan, the Mortgage Note requires a monthly payment which is sufficient to fully amortize the original principal balance over the 

 

original term thereof and to pay interest at the related Mortgage Interest Rate and requires a final Monthly Payment substantially greater than the preceding monthly payment which is sufficient to repay the remained unpaid principal balance of the Balloon Mortgage Loan as of the Due Date of such monthly payment.  The Mortgage Note does not permit negative amortization.  No Mortgage Loan is a Convertible Mortgage Loan;

w)               The origination and collection practices used by the Seller with respect to each Mortgage Note and Mortgage have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry.  The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with the terms of the Mortgage Note.  With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits
or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed;

x)                The Mortgaged Property is in good repair and is free of damage and waste and there is no proceeding pending for the total or partial condemnation thereof;

y)                The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure.  The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage. The Mortgagor has not
notified the Seller and the Seller has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers’ Civil Relief Act;

z)                The Mortgage Loan was underwritten in accordance with the underwriting standards of the Seller in effect at the time the Mortgage Loan was originated which underwriting standards satisfy the standards of FNMA or FHLMC; and the Mortgage Note and Mortgage are on forms acceptable to FNMA or FHLMC; 

aa)              The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

bb)             The Mortgage File contains an appraisal of the related Mortgaged Property which satisfied the standards of FNMA or FHLMC, was on appraisal form 1004 or form 2055 with an interior inspection with respect to each first lien Mortgage Loan, and on appraisal form 704, 2065 or 2055 with an exterior inspection with respect to each second lien Mortgage Loan, and was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged 

 

Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of FNMA or FHLMC.  Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

cc)              In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

dd)             No Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision. The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

ee)              The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

ff)               No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

gg)              The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value of the Mortgage Loan;

hh)              No Mortgage Loan had an LTV or a CLTV at origination in excess of 100%. Each Mortgage Loan with an LTV or CLTV at origination in excess of 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property required by FNMA. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium;

ii)                The Mortgaged Property is, to the best of the Seller’s knowledge, lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or 

 

issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy, have been made or obtained from the appropriate authorities;

jj)               No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

kk)             For each Mortgage Loan that is not a MOM Loan, the Assignment of Mortgage is in recordable form except for the name of the assignee which is blank and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located.  The original Mortgage was or is being recorded and, unless the Mortgage Loan is subject to the MERS System, all subsequent assignments of the original Mortgage (other than the assignment to Purchaser) have been recorded in the appropriate jurisdiction wherein such recordation is necessary to perfect the lien thereof against creditors of Seller, or is in the process of being recorded.

ll)                Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first or second lien priority by a title insurance policy or an endorsement to the policy insuring the mortgagee’s consolidated interest. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

mm)            Unless otherwise set forth on the related Mortgage Loan Schedule, no Mortgage Loan has a balloon payment feature;

nn)              If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA or FHLMC;

oo)             The source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

pp)             Interest on each Mortgage Loan is calculated on the basis of a 360 day year consisting of twelve 30 day months;

qq)             The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

rr)               Seller shall, at its own expense, cause each Mortgage Loan to be covered by a Tax Service Contract which is assignable to the Purchaser or its designee; provided however, 

 

that if the Seller fails to purchase such Tax Service Contract, the Seller shall be required to reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

ss)              Each Mortgage Loan is covered by a Flood Zone Service Contract which is assignable to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

tt)               No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994 as amended (“HOEPA”), (b) a “high cost” mortgage loan, “covered” mortgage loan or “predatory” mortgage loan or any other comparable term, no matter how defined under any federal, state or local law, (c) subject to any comparable federal, state or local statutes or regulations, or any other statute or regulation providing for heightened regulatory scrutiny or assignee liability to holders of such mortgage loans, or (d) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the current Standard & Poor’s LEVELS® Glossary Revised, Appendix E);

uu)              No predatory or deceptive lending practices, including but not limited to, the extension of credit to a mortgagor without regard for the mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a mortgagor which has no apparent benefit to the mortgagor, were employed in connection with the origination of the Mortgage Loan.  Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of the FNMA Guides;

vv)              The debt-to-income ratio of the related Mortgagor was not greater than 60% at the origination of the related Mortgage Loan; 

ww)            No Mortgagor was required to purchase any single premium credit insurance policy (e.g., life, disability, accident, unemployment, or health insurance product) or debt cancellation agreement as a condition of obtaining the extension of credit.  No Mortgagor obtained a prepaid single premium credit insurance policy (e.g., life, disability, accident, unemployment, mortgage, or health insurance) in connection with the origination of the Mortgage Loan. No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies or debt cancellation agreements as part of the origination of, or as a condition to closing, such Mortgage Loan;

xx)              The Mortgage Loans were not selected from the outstanding one to four-family mortgage loans in the Seller’s portfolio at the related Closing Date as to which the representations and warranties set forth in this Agreement could be made in a manner so as to affect adversely the interests of the Purchaser;

yy)              The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the mortgagee thereunder;

zz)              The Mortgage Loan complies with all applicable consumer credit statutes and regulations, including, without limitation, the respective Uniform Consumer Credit Code laws in effect in Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, South Carolina, Utah and 

 

Wyoming (to the extent that the related Mortgaged Property is located in such state), has been originated by a properly licensed entity, and in all other respects, complies with all of the material requirements of any such applicable laws;

aaa)            The information set forth in the Prepayment Charge Schedule is complete, true and correct in all material respects and each Prepayment Charge is permissible, enforceable and collectable under applicable federal and state law;

bbb)           The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date; 

ccc)            No Mortgage Loan is secured by cooperative housing, commercial property, mobile homes, manufactured housing or mixed use property;

ddd)           Except as set forth on the related Mortgage Loan Schedule, none of the Mortgage Loans are subject to a Prepayment Charge.  For any Mortgage Loan originated prior to October 1, 2002 that is subject to a Prepayment Charge, such Prepayment Charge does not extend beyond five years after the date of origination.  For any Mortgage Loan originated on or following October 1, 2002 that is subject to a Prepayment Charge, such Prepayment Charge does not extend beyond three years after the date of origination.  With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a prepayment prior to maturity: (i) prior to the Mortgage Loan’s origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a rate or fee
reduction, (ii) prior to the Mortgage Loan’s origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of such a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the loan documents pursuant to applicable state and federal law, (v) for Mortgage Loans originated on or after September 1, 2004, the duration of the Prepayment Period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in prepayment period, and (v) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the mortgage debt is accelerated as the result of the Mortgagor’s default in making the loan payments;

eee)            The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”); the Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws.  No Mortgage Loan is subject to nullification
pursuant to Executive Order 13224 (the “Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC Regulations, and no 

 

Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations;

fff)              No Mortgage Loan is secured by real property or secured  by a manufactured home located in the state of Georgia unless (x) such Mortgage Loan was originated prior to October 1, 2002 or after March 6, 2003, or (y) the property securing the Mortgage Loan is not, nor will be, occupied by the Mortgagor as the Mortgagor’s principal dwelling.  No Mortgage Loan is a “High Cost Home Loan” as defined in the Georgia Fair Lending Act, as amended (the “Georgia Act”) or  the New York Banking Law 6-1.   Each Mortgage Loan that is a “Home Loan” under the Georgia Act complies with all applicable provisions of the Georgia Act. No Mortgage Loan secured by owner occupied real property or an owner occupied manufactured home located in the State of Georgia was originated (or modified) on
or after October 1, 2002 through and including March 6, 2003;

ggg)            No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan’s originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator.  If, at the time of loan application, the Mortgagor may have qualified for a for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration;

hhh)            The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension.  Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

iii)               With respect to each Mortgage Loan, the Seller has fully and accurately furnished complete information on the related borrower credit files to Equifax, Experian and Trans Union Credit Information Company, in accordance with the Fair Credit Reporting Act and its implementing regulations, on a monthly basis and the Seller for each Loan will furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information on its borrower credit files to Equifax, Experian, and Trans Union Credit  Information Company, on a monthly basis;

jjj)              All points and fees related to each Mortgage Loan were disclosed in writing to the related Borrower in accordance with applicable state and federal law and regulation.  Except in the case of a Mortgage Loan in an original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Borrower was charged “points and fees” (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in accordance with Fannie Mae’s anti-predatory lending requirements as set forth in the Fannie Mae Selling Guide;

 

 

kkk)           All fees and charges (including finance charges) and whether or not financed, assessed, collected or to be collected in connection with the origination and servicing of each Mortgage Loan has been disclosed in writing to the Mortgagor in accordance with applicable state and federal law and regulation;

lll)               The Seller will transmit full-file credit reporting data for each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan, Seller agrees it shall report one of the following statuses each month as follows: new origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;

mmm)         No Mortgage Loan is a “High Cost Home Loan” as defined in the Arkansas Home Loan Protection Act effective October 16, 2003 (Act 1340 or 2003);

nnn)            No Mortgage Loan is a “High Cost Home Loan” as defined in the Kentucky high-cost loan statute effective June 24, 2003 (Ky. Rev. Stat. Section 360.100); 

ooo)           No Mortgage Loan secured by property located in the State of Nevada is a “home loan” as defined in the Nevada Assembly Bill No. 284;

ppp)           No Mortgage Loan is a “manufactured housing loan” or “home improvement home loan” pursuant to the New Jersey Home Ownership Act.  No Mortgage Loan is a “High-Cost Home Loan” or a refinanced “Covered Home Loan,” in each case, as defined in the New Jersey Home Ownership Act effective November 27, 2003 (N.J.S.A. 46;10B-22 et seq.);

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

rrr)              No Mortgage Loan is a subsection 10 mortgage under the Oklahoma Home Ownership and Equity protection Act;

sss)             No Mortgage Loan is a “High-Cost Home Loan” as defined in the New Mexico Home Loan Protection Act effective January 1, 2004 (N.M. Stat. Ann. §§ 58-21A-1 et seq.); 

ttt)              No Mortgage Loan is a “High-Risk Home Loan” as defined in the Illinois High-Risk Home Loan Act effective January 1, 2004 (815 Ill. Comp. Stat. 137/1 et seq.);

uuu)            No Mortgage Loan originated in the City of Los Angeles is subject to the City of Los Angeles California Ordinance 175008 as a “home loan” 

vvv)            No Mortgage Loan originated in the City of Oakland is subject to the City of Oakland, California Ordinance 12361 as a “home loan”

www)         No Mortgage Loan is a “High-Cost Home Loan” as defined under the Maine House Bill 383 L.D. 494, effective as of September 13, 2003;

 

 

xxx)            No Mortgage Loan is a “High-Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Loan Practices Act, effective November 5, 2004 (Mass. Ann. Laws Ch. 183C);

yyy)            With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by Mortgaged Property in the State of Illinois which has a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan.   

zzz)             With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule.  The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office; 

aaaa)          With respect to each MERS Mortgage Loan, Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

bbbb)         No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction, and with respect to any Mortgage Loan originated on or after August 1, 2004, neither the Mortgage nor the Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the origination of the Mortgage Loan;

cccc)          Each Mortgage Loan is eligible for sale in the secondary market or for inclusion in a Pass-Through Transfer without unreasonable credit enhancement;

dddd)         With respect to each Mortgage Loan, (i) if the related first lien provides for negative amortization, the CLTV was calculated at the maximum principal balance of such first lien that could result upon application of such negative amortization feature, and (ii) either no consent for the Mortgage Loan is required by the holder of the first lien or such consent has been obtained and is contained in the Mortgage File; 

eeee)          Each Imaged Document represents a true, complete, and correct copy of the Original Document in all respects, including, but not limited to, all signatures conforming with signatures contained in the Original Document, no information having been added or deleted, and no Imaged Document having been manipulated or altered in any manner. Each Imaged Document is clear and legible, including, but not limited to, accurate reproductions of photographs. No Original Documents have been or will be altered in any manner; 

ffff)             The destruction of any Original Document or the inability of the Seller to produce a copy of such Original Document upon request shall not cause (i) any delay in the enforcement of the Mortgage Loan, (ii) any inability to collect all amounts due under the Mortgage Loan, including without limitation, in connection with a foreclosure or other sale of the Mortgaged Property, (iii) private institutional investors to regard the Mortgage Loan as an unacceptable investment or adversely affect the value or marketability of the Mortgage Loan, or 

 

(iv) any claims from holders of mortgage-backed securities collateralized by the Mortgage Loan.;

gggg)          With respect to each Mortgage Loan that is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property (a “Ground Lease”) and not by a fee interest in such Mortgaged Property:

hhhh)          The Mortgagor is the owner of a valid and subsisting interest as tenant under the Ground Lease;

iiii)              The Ground Lease is in full force and effect, unmodified and not supplemented by any writing or otherwise;

jjjj)             The Mortgagor is not in default under any of the terms thereof and there are no circumstances which, with the passage of time or the giving of notice or both, would constitute an event of default thereunder;

kkkk)         The lessor under the Ground Lease is not in default under any of the terms or provisions thereof on the part of the lessor to be observed or performed;

llll)              The term of the Ground Lease exceeds the maturity date of the related Mortgage Loan by at least ten years;

mmmm)      The Ground Lease or a memorandum thereof has been recorded and by its terms permits the leasehold estate to be mortgaged.  The Ground Lease grants any leasehold mortgagee standard protection necessary to protect the security of a leasehold mortgagee;

nnnn)          The Ground Lease does not contain any default provisions that could give rise to forfeiture or termination of the Ground Lease except for the non-payment of the Ground Lease rents;

oooo)         The execution, delivery and performance of the Mortgage do not require the consent (other than those consents which have been obtained and are in full force and effect) under, and will not contravene any provision of or cause a default under, the Ground Lease; 

pppp)         The Ground Lease provides that the leasehold can be transferred, mortgaged and sublet an unlimited number of times either without restriction or on payment of a reasonable fee and delivery of reasonable documentation to the lessor;

qqqq)         The Mortgagor has not commenced any action or given or received any notice for the purpose of terminating the Ground Lease;

rrrr)            No lessor, as debtor in possession or by a trustee for such lessor has give any notice of, and the Mortgagor has not consented to, any attempt to transfer the related Mortgaged Property free and clear of such Ground Lease under section 363(f) of the Bankruptcy Code; and

 

 

ssss)           No lessor is subject to any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding and no Mortgaged Property is an asset in any voluntary or involuntary bankruptcy, reorganization or insolvency proceeding.

tttt)             No Mortgage Loan is a “High-Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Loan Practices Act, effective November 7, 2004 (Mass. Ann. Laws Ch. 183C);

uuuu)          No Mortgage Loan is a balloon mortgage loan that has an original stated maturity of less than seven (7) years; and

vvvv)          No Mortgage Loan is subject to mandatory arbitration except when the terms of the arbitration also contain a waiver provision that provides that in the event of a sale or transfer of the Mortgage Loan or interest in the Mortgage Loan to Fannie Mae, the terms of the arbitration are null and void.  The Seller hereby covenants that the Seller or the servicer of the Mortgage Loan, as applicable, will notify the Mortgagor in writing within 60 days of the sale or transfer of the Mortgage Loan to Fannie Mae that the terms of the arbitration are null and void.

 

 

EXHIBIT F

 

Representation and Warranties with Respect to the Weichert Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the Weichert Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit F shall have the meanings ascribed to them in the Weichert Servicing Agreement.

 

(a)        The information set forth in the related Mortgage Loan Schedule and the Mortgage Loan data delivered to the Purchaser in the Data File is complete, true and correct;

(b)        All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made; the Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage.  There has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

(c)        There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

(d)        The Mortgaged Property is located in the state identified in the related Mortgage Loan Schedule and is improved by a Residential Dwelling;

(e)        The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office or registered with the MERS System if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Insurance Policy or LPMI Policy, if any, and the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Insurance
Policy or LPMI Policy, if any, the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Purchaser and the terms of which are reflected in the related Mortgage Loan Schedule;

(f)         The Mortgage Note and the Mortgage are not subject to any right of rescission, set off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and/or the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set off, counterclaim or defense, including the defense of usury and no such right of rescission, set off, counterclaim or defense has been asserted with respect thereto;

 

 

(g)        The Mortgage Loan was underwritten in accordance with the Underwriting Guidelines of the Seller in effect at the time the Mortgage Loan was originated; and the Mortgage Note and Mortgage are on forms acceptable to FNMA and FHLMC;

(h)        All buildings upon the Mortgaged Property are insured by an insurer acceptable to FNMA and FHLMC against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, in an amount not less than the greatest of (i) 100% of the replacement cost of all improvements to the Mortgaged Property, (ii) either (A) the outstanding principal balance of the Mortgage Loan with respect to each first lien Mortgage Loan or (B) with respect to each second lien Mortgage Loan, the sum of the outstanding principal balance of the related first lien mortgage loan and the outstanding principal balance of the second lien Mortgage Loan, (iii) the amount necessary to avoid the operation of any co-insurance provisions with respect to the Mortgaged Property, or (iv) the amount necessary to fully
compensate for any damage or loss to the improvements that are a part of such property on a replacement cost basis. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid.  If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA and FHLMC.  The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor’s cost and expense and to seek
reimbursement therefor from the Mortgagor;

(i)         Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, fair housing, disclosure laws or all predatory and abusive lending laws applicable to the origination and servicing of mortgage loans of a type similar to the Mortgage Loans have been complied with and the consummation of the transactions contemplated hereby will not involve the violation of any such laws, and the Seller shall maintain in its possession, available for the inspection of the Purchaser or its designee, and shall deliver to the Purchaser or its designee, upon two Business Days’ request, evidence of compliance with such requirements;

(j)         The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

(k)        The related Mortgage is properly recorded and is a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien (as reflected on the Mortgage Loan Schedule), in either case, on the Mortgaged Property, including all improvements on the 

 

Mortgaged Property subject only to (a) the lien of current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (c) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property and (d) with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan
Schedule) a First Lien on the Mortgaged Property.  Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, on the property described therein and the Seller has full right to sell and assign the same to the Purchaser.  The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

(l)         The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms;

(m)       All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties.  The Mortgagor is a natural person;

(n)        The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with.  All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

(o)        The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage.  The Seller has full right and authority under all governmental and regulatory bodies having jurisdiction over such Seller, subject to no interest or participation of, or agreement with, any party, to transfer and sell the Mortgage Loan to the Purchaser pursuant to this Agreement free and clear of any encumbrance or right of others, equity, lien, pledge, charge, mortgage, claim, participation interest or security interest of any nature (collectively, a “Lien”); and immediately upon the transfers and assignments herein contemplated, the Seller shall have transferred and sold all of its right, title and interest in and to 

 

each Mortgage Loan and the Purchaser will hold good, marketable and indefeasible title to, and be the owner of, each Mortgage Loan subject to no Lien;

(p)        All parties which have had any interest in the Mortgage Loan, whether as originator, mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were): (A) organized under the laws of such state, or (B) qualified to do business in such state, or (C) federal savings and loan associations or national banks having principal offices in such state, or (D) not doing business in such state so as to require qualification or licensing, or (E) not otherwise required to be licensed in such state.  All parties which have had any interest in the Mortgage Loan were in compliance with any and all applicable “doing business” and licensing requirements of the laws of the state wherein the Mortgaged Property is located or were not required to be licensed in such state;

(q)        The Mortgage Loan is covered by an American Land Title Association (“ALTA”) ALTA lender’s title insurance policy acceptable to FNMA and FHLMC (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1), issued by a title insurer acceptable to FNMA and FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained above in (xi)(a) and (b) and, with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) clause (d)) the Seller, its successors and assigns as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and, with respect to any Adjustable Rate
Mortgage Loan, against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment.  Additionally, such lender’s title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein.  The Seller is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement.  No claims have been made under such lender’s title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender’s title insurance policy;

(r)         There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration.  With respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First Lien is in full force and effect, (ii) there is no default, breach, violation or event of acceleration existing under such First Lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a
default, breach, violation or event of acceleration thereunder, and either (A) the First Lien mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the Second Lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the First Lien mortgage;

 

 

(s)         There are no mechanics’ or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

(t)         The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD;

(u)        Payments on the Mortgage Loan shall commence (with respect to any newly originated Mortgage Loans) or commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed.  The Mortgage Loan bears interest at the Mortgage Interest Rate.  With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, (A) in the case of a Fixed Rate Mortgage Loan, are sufficient to fully amortize the original principal balance over the original term thereof (other than with respect to a Mortgage Loan identified on the related Mortgage Loan Schedule as an interest-only Mortgage Loan during the interest-only period) and to pay interest at the related Mortgage Interest Rate, and (B) in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any
case, are sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate.  The Index for each Adjustable Rate Mortgage Loan is as defined in the related Mortgage Loan Schedule.  With respect to each Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only Mortgage Loan, the interest-only period shall not exceed the period specified on the Mortgage Loan Schedule and following the expiration of such interest-only period, the remaining Monthly Payments shall be sufficient to fully amortize the original principal balance over the remaining term of the Mortgage Loan.  The Mortgage Note does not permit negative amortization.  No Mortgage Loan is a Convertible Mortgage Loan;

(v)        The origination, servicing and collection practices used by the Seller with respect to each Mortgage Note and Mortgage, including without limitation the establishment, maintenance and servicing of the Escrow Accounts and Escrow Payments, if any, since origination have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry.  The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with all applicable laws, rules and regulations, the terms of the Mortgage Note and Mortgage, and the FNMA and FHLMC servicing guides.  With respect to escrow deposits and Escrow Payments (other than with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan and for which the mortgagee under the First Lien is collecting Escrow
Payments (as reflected on the Mortgage Loan Schedule)), if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made.  No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed;

 

 

(w)       The Mortgaged Property is free of damage and waste and is in good repair, and there is no proceeding pending or threatened for the total or partial condemnation thereof nor is such a proceeding currently occurring;

(x)        The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) otherwise by judicial foreclosure.  The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws.  There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee’s sale or the right to foreclose the Mortgage;  The Mortgagor has not notified the Seller and the Seller has no
knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act;

(y)        The Mortgage File contains an appraisal of the related Mortgaged Property which, (a) with respect to First Lien Mortgage Loans, was on appraisal form 1004 or form 2055 with an interior inspection, or (b) with respect to Second Lien Mortgage Loans, was on appraisal form 704, 2065 or 2055 with an exterior only inspection], and (c) with respect to (a) or (b) above, was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of FNMA and FHLMC.  Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the
Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

(z)         In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

(aa)       No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

(bb)        The Loan-to-Value Ratio of any Mortgage Loan at origination was not more than 95% and the CLTV of any Mortgage Loan at origination was not more than 100%;  Each Mortgage Loan with an original Loan-to-Value Ratio at origination than 80% is an will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property as required by FNMA.  All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid.  Any Mortgage subject to any such Primary Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection 

 

therewith.  The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium.  If a Mortgage Loan is identified on the Mortgage Loan Schedule as subject to a Lender Paid Mortgage Insurance Policy, such policy insures that portion of the Mortgage Loan set forth in the LPMI Policy.  All provisions of any such LPMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid.  The Mortgage Interest Rate for the Mortgage Loan does not include the insurance premium for any LPMI Policy;

(cc)        To the best of Seller’s knowledge, the Mortgaged Property is lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities.  No improvement located on or being part of any Mortgaged Property is in violation of any applicable zoning and subdivision law, ordinance  or regulation;

(dd)      No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

(ee)       Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule.  The lien of the Mortgage securing the consolidated principal amount is expressly insured as having (A) first lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated
interest or by other title evidence acceptable to FNMA and FHLMC.  The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

(ff)        Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months;

(gg)        The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

(hh)       No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994, as amended (“HOEPA”), (b) a “high cost”, “covered”, “abusive”, “predatory”, “home loan”, “Section 10” or “high risk” mortgage loan (or a similarly designated loan using different terminology) under any federal, state or local law, or any other 

 

statute or regulation providing assignee liability to holders of such mortgage loans, or (c) subject to or in violation of any such or comparable federal, state or local statutes or regulations.  No Mortgage Loan is a high cost loan or a covered loan, as applicable (as such terms are defined in the current version of Standard & Poor's LEVELS® Glossary Revised, Appendix E as of the related Closing Date).

(ii)         No Mortgage Loan had an original term to maturity of more than thirty (30) years;

(jj)        Each Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the related Mortgage Loan in the event the related Mortgaged Property is sold or transferred without the prior consent of the mortgagee thereunder;

(kk)      With respect to each Mortgage Loan which is a Second Lien, (i) the related First Lien does not provide for negative amortization, and (ii) either no consent for the Mortgage Loan is required by the holder of the First Lien or such consent has been obtained and is contained in the Mortgage File;

(ll)         The Mortgage Loan Documents with respect to each Mortgage Loan subject to Prepayment Charges specifically authorizes such Prepayment Charges to be collected, such Prepayment Charges are permissible and enforceable in accordance with the terms of the related Mortgage Loan Documents and all applicable federal, state and local laws (except to the extent that the enforceability thereof may be limited by bankruptcy, insolvency, moratorium, receivership and other similar laws relating to creditors’ rights generally or the collectability thereof may be limited due to acceleration in connection with a foreclosure) and each Prepayment Charge was originated in compliance with all applicable federal, state and local laws;

(mm)     The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”).  The Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws; no Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the
“Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations; 

(nn)       With respect to each MERS Mortgage Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the related Mortgage Loan Schedule. The related Assignment of Mortgage to MERS has been duly and properly recorded or has been delivered for recording to the applicable recording office;  

 

 

(oo)      With respect to each MERS Mortgage Loan, the Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

(pp)      The sale or transfer of the Mortgage Loan by the Seller complies with all applicable federal, state, and local laws, rules, and regulations governing such sale or transfer, including, without limitation, the Fair and Accurate Credit Transactions Act (“FACT Act”) and the Fair Credit Reporting Act, each as may be amended from time to time, and the Seller has not received any actual or constructive notice of any identity theft, fraud, or other misrepresentation in connection with such Mortgage Loan or any party thereto.

(qq)      The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct;

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

(ss)       If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA and FHLMC;

(tt)        All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

(uu)       The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

(vv)       No Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision. 

(ww)     The Mortgage Loan is not a graduated payment mortgage loan or a balloon Mortgage Loan, and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

(xx)       The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

 

 

(yy)       Each original Mortgage was recorded and all subsequent assignments of the original Mortgage (other than the assignment to the Purchaser) have been recorded, or are in the process of being recorded, in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of the Seller. As to any Mortgage Loan which is not a MERS Mortgage Loan, the Assignment of Mortgage is in recordable form (except for the name of the assignee which is blank) and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

(zz)       Each Mortgage Loan originated in the state of Texas pursuant to Article XVI, Section 50(a)(6) of the Texas Constitution (a “Texas Refinance Loan”) has been originated in compliance with the provisions of Article XVI, Section 50(a)(6) of the Texas Constitution, Texas Civil Statutes and the Texas Finance Code.  With respect to each Texas Refinance Loan that is a Cash Out Refinancing, the related Mortgage Loan Documents state that the Mortgagor may prepay such Texas Refinance Loan in whole or in part without incurring a Prepayment Charge.  The Seller does not collect any such Prepayment Charges in connection with any such Texas Refinance Loan;

(aaa)     The source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

(bbb)    The Seller shall, at its own expense, cause each Mortgage Loan to be covered by a “life of loan” Tax Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee; provided however, that if the Seller fails to purchase such Tax Service Contract, the Seller shall be required to reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

(ccc)     Each Mortgage Loan is covered by a “life of loan” Flood Zone Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

(ddd)    No Mortgage Loan is secured by cooperative housing, commercial property or mixed use property;

	
            (eee)
 	
            Reserved;
 

(fff)       No selection procedures were used by the Seller that identified the Mortgage Loans as being less desirable or valuable than other comparable mortgage loans in the Seller’s portfolio;

(ggg)     Each Mortgage Loan has a valid and original Credit Score, with a minimum Credit Score as set forth in the related Confirmation;

(hhh)     No Mortgage Loan originated or modified on or after October 1, 2002 and prior to March 7, 2003 is secured by a Mortgaged Property located in the State of Georgia;

 

 

(iii)        No Mortgage Loan is a “manufactured housing loan” pursuant to the NJ Act, and one hundred percent of the amount financed of any purchase money Second Lien Mortgage Loan subject to the NJ Act was used for the purchase of the related Mortgaged Property;

(jjj)       With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by a Mortgage Property located in the State of Illinois is in violation of the provisions of the Illinois Interest Act, including Section 4.1a which provides that no such Mortgage Loan with a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan;

(kkk)    No Mortgage Loan is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property;

(lll)        No Mortgage Loan secured by a Mortgaged Property located in the Commonwealth of Massachusetts was made to pay off or refinance an existing loan or other debt of the related borrower (as the term “borrower” is defined in the regulations promulgated by the Massachusetts Secretary of State in connection with Massachusetts House Bill 4880 (2004)) unless either (1) (a) the related Mortgage Interest Rate (that would be effective once the introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did or would not exceed by more than 2.25% the yield on United States Treasury securities having comparable periods of maturity to the maturity of the related Mortgage Loan as of the fifteenth day of the month immediately preceding the month in which the application for the extension of credit was received by the related
lender or (b) the Mortgage Loan is an “open-end home loan” (as such term is used in the Massachusetts House Bill 4880 (2004)) and the related Mortgage Note provides that the related Mortgage Interest Rate may not exceed at any time the Prime rate index as published in The Wall Street Journal plus a margin of one percent, or (2) such Mortgage Loan is in the "borrower's interest," as documented by a "borrower's interest worksheet" for the particular Mortgage Loan, which worksheet incorporates the factors set forth in Massachusetts House Bill 4880 (2004) and the regulations promulgated thereunder for determining "borrower's interest," and otherwise complies in all material respects with the laws of the Commonwealth of Massachusetts;

(mmm)  The Mortgagor has not made or caused to be made any payment in the nature of an “average” or “yield spread premium” to a mortgage broker or a like Person which has not been fully disclosed to the Mortgagor;

(nnn)     The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, cause the Mortgage Loan to not be paid in full when due, or adversely affect the value of the Mortgage Loan;

(ooo)    The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date;

 

 

(ppp)    No Mortgagor is the obligor on more than two Mortgage Notes in each Mortgage Loan Package, unless mutually agreed upon by Seller and Purchaser;

(qqq)    With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a Principal Prepayment prior to maturity: (i) prior to the Mortgage Loan’s origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a Mortgage Interest Rate or fee reduction, (ii) prior to the Mortgage Loan’s origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the Mortgage Loan Documents pursuant to applicable state and federal law, (iv) for Mortgage Loans originated on or after September 1, 2004, the duration of the prepayment period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was
modified to reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in the prepayment period, (v) no Mortgage Loan originated prior to October 1, 2002 has a Prepayment Charge longer than five years (vi) notwithstanding any state or federal law to the contrary, the  Seller shall not impose such Prepayment Charge in any instance when the Mortgage debt is accelerated as the result of the Mortgagor’s default in making the Monthly Payments;  Each Prepayment Charge is permissible, collectable and enforceable.

(rrr)      No predatory, abusive or deceptive lending practices, including but not limited to, the extension of credit to a Mortgagor without regard for the Mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a Mortgagor which has no tangible net benefit to the Mortgagor, were employed in connection with the origination of the Mortgage Loan.  Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of FNMA’s Selling Guide. No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan’s originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower
cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator.  If, at the time of the related loan application, the Mortgagor may have qualified for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration; 

(sss)      The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension.  Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

(ttt)       All points, fees and charges, including finance charges (whether or not financed, assessed, collected or to be collected), in connection with the origination and servicing of each Mortgage Loan were disclosed in writing to the related Mortgagor in accordance with applicable state and federal law and regulation.  Except in the case of a Mortgage Loan in an 

 

original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Mortgagor was charged “points and fees” (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in accordance with FNMA’s anti-predatory lending requirements as set forth in the FNMA Selling Guide; 

(uuu)     The Seller will transmit full-file credit reporting data for each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan, Seller agrees it shall report one of the following statuses each month as follows: new origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or charged-off;

(vvv)     No Mortgagor was required to purchase any credit life, disability, accident or health insurance product or debt cancellation agreement as a condition of obtaining the extension of credit.  No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance policy in connection with the origination of the Mortgage Loan, and no proceeds from any Mortgage Loan were used to finance single-premium credit insurance policies or debt cancellation agreements as part of the origination of, or as a condition to closing, such Mortgage Loan; 

(www)  The Seller and any predecessor servicer has fully furnished, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Union Credit Information Company (three of the credit repositories) on a monthly basis; and the Seller will fully furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Credit Information Company (three of the credit repositories), on a monthly basis; and

(xxx)                 With respect to each Mortgage Loan, neither the related Mortgage nor the related Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction;  No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction.

 

 

EXHIBIT G

 

Representation and Warranties with Respect to the American Home Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the American Home Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit G shall have the meanings ascribed to them in the American Home Servicing Agreement.

 

(i)         The information set forth in the related Mortgage Loan Schedule and the Mortgage Loan data delivered to the Purchaser in the Data File is complete, true and correct;

(ii)         All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made; neither the Seller nor the Servicer has advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage. There has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

(iii)        There are no delinquent taxes, ground rents, water charges, sewer rents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

(iv)        The Mortgaged Property is located in the state identified in the related Mortgage Loan Schedule and is improved by a Residential Dwelling;

(v)        The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office or registered with the MERS System if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Purchaser; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Insurance Policy or LPMI Policy, if any, and the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Insurance
Policy or LPMI Policy, if any, the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Purchaser and the terms of which are reflected in the related Mortgage Loan Schedule;

(vi)        The Mortgage Note and the Mortgage are not subject to any right of rescission, set off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and/or the Mortgage, or the exercise of any right thereunder, render the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set off, counterclaim or defense, including the defense of usury and no such right of rescission, set off, counterclaim or defense has been asserted with respect thereto;

 

 

(vii)       The Mortgage Loan was underwritten in accordance with the Underwriting Guidelines of the Seller in effect at the time the Mortgage Loan was originated; and the Mortgage Note and Mortgage are on forms acceptable to FNMA and FHLMC;

(viii)      All buildings upon the Mortgaged Property are insured by an insurer acceptable to FNMA and FHLMC against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, in an amount not less than the least of (i) 100% of the replacement cost of all improvements to the Mortgaged Property, (ii) either (A) the outstanding principal balance of the Mortgage Loan with respect to each first lien Mortgage Loan or (B) with respect to each second lien Mortgage Loan, the sum of the outstanding principal balance of the related first lien mortgage loan and the outstanding principal balance of the second lien Mortgage Loan or (iii) the amount necessary to fully compensate for any damage or loss to the improvements that are a part of such property on a replacement cost basis; provided,
however, in no event shall the amount of insurance be less than the amount necessary to avoid the operation of any co-insurance provisions with respect to the Mortgaged Property. All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA and FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor's cost and expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain such insurance at the
Mortgagor's cost and expense and to seek reimbursement therefor from the Mortgagor;

(ix)        Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, fair housing, disclosure laws or all predatory and abusive lending laws applicable to the origination and servicing of the Mortgage Loans have been complied with and the consummation of the transactions contemplated hereby will not involve the violation of any such laws;

(x)        The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release;

(xi)        The related Mortgage is properly recorded in the appropriate jurisdiction(s) wherein such recordation is necessary to perfect the lien thereof, and is a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien (as reflected on the Mortgage Loan Schedule), in either case, on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights 

 

of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender's title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (c) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property and (d) with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) a First Lien on the Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan
establishes and creates a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

(xii)       The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms;

(xiii)      All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Mortgagor is a natural person;

(xiv)      The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

(xv)       The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage. The Seller has full right and authority under all governmental and regulatory bodies having jurisdiction over such Seller, subject to no interest or participation of, or agreement with, any party, to transfer and sell the Mortgage Loan to the Purchaser pursuant to this Agreement free and clear of any encumbrance or right of others, equity, lien, pledge, charge, mortgage, claim, participation interest or security interest of any nature (collectively, a "Lien"); and immediately upon the transfers and assignments herein contemplated, the Seller shall have transferred and sold all of its right, title and interest in and to each Mortgage Loan and the Purchaser will hold good, marketable and indefeasible title to, and be the owner of, each Mortgage
Loan subject to no Lien;

 

 

(xvi)      All parties which have had any legal or contractual interest in the Mortgage Loan, whether as originator, mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were): (A) organized under the laws of such state, or (B) qualified to do business in such state, or (C) federal savings and loan associations or national banks having principal offices in such state, or (D) not doing business in such state so as to require qualification or licensing, or (E) not otherwise required to be licensed in such state. All parties which have had any legal or contractual interest in the Mortgage Loan were in compliance with any and all applicable "doing business" and licensing requirements of the laws of the state wherein the Mortgaged Property is located or were not required to be licensed in such state;

(xvii)     The Mortgage Loan is covered by an American Land Title Association ("ALTA") ALTA lender's title insurance policy acceptable to FNMA and FHLMC (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6.0 or 6.1), issued by a title insurer acceptable to FNMA and FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained above in (xi)(a) and (b) and, with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) clause (d)) the Seller, its successors and assigns as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and, with respect to any Adjustable Rate Mortgage Loan, against any loss
by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such lender's title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender's title insurance policy, and such lender's title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender's title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender's title insurance policy;

(xviii)    Other than payments due but not yet 30 days or more delinquent, there is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration. With respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) (i) the First Lien is in full force and effect, (ii) there is no default, breach, violation or event of acceleration existing under such First Lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice and the expiration of any grace
or cure period, would constitute a default, breach, violation or event of acceleration thereunder, and either (A) the First Lien mortgage contains a provision which allows or (B) applicable law requires, the mortgagee under the Second Lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in full or otherwise under the First Lien mortgage;

 

 

(xix)      There are no mechanics' or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

(xx)       The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD;

(xxi)      Payments on the Mortgage Loan shall commence (with respect to any newly originated Mortgage Loans) or commenced no more than sixty days after the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, (A) in the case of a Fixed Rate Mortgage Loan, are sufficient to fully amortize the original principal balance over the original term thereof (other than with respect to a Mortgage Loan identified on the related Mortgage Loan Schedule as an interest-only Mortgage Loan during the interest-only period) and to pay interest at the related Mortgage Interest Rate, and (B) in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are
sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. The Index for each Adjustable Rate Mortgage Loan is as defined in the related Mortgage Loan Schedule. With respect to each Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only Mortgage Loan, the interest-only period shall not exceed the period specified on the Mortgage Loan Schedule and following the expiration of such interest-only period, the remaining Monthly Payments shall be sufficient to fully amortize the original principal balance over the remaining term of the Mortgage Loan. The Mortgage Note does not permit negative amortization. No Mortgage Loan is a Convertible Mortgage Loan;

(xxii)     The origination practices used by the Seller and the servicing and collection practices used by the Servicer with respect to each Mortgage Note and Mortgage, including without limitation the establishment, maintenance and servicing of the Escrow Accounts and Escrow Payments, if any, since origination have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Servicer and any predecessor servicer in accordance with all applicable laws, rules and regulations, the terms of the Mortgage Note and Mortgage, and the FNMA and FHLMC servicing guides. With respect to escrow deposits and Escrow Payments (other than with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan and for which the mortgagee under the First Lien is
collecting Escrow Payments (as reflected on the Mortgage Loan Schedule)), if any, all such payments are in the possession of, or under the control of, the Servicer and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller or the Servicer for any work on a Mortgaged Property which has not been completed;

 

 

(xxiii)    The Mortgaged Property is free of damage and waste and is in good repair, and there is no proceeding pending or, to the best of the Seller's knowledge, threatened for the total or partial condemnation thereof nor is such a proceeding currently occurring;

(xxiv)    The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (b) otherwise by judicial foreclosure. The Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage; The Mortgagor has not notified the Seller or the Servicer and neither the Seller nor the Servicer has
knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act;

(xxv)     Unless otherwise indicated on the Mortgage Loan Schedule, the Mortgage File contains an appraisal of the related Mortgaged Property which, (a) with respect to First Lien Mortgage Loans, was on appraisal form 1004 or form 2055 with an interior inspection, or (b) with respect to Second Lien Mortgage Loans, was on appraisal form 704, 2065 or 2055 with an exterior only inspection, and (c) with respect to (a) or (b) above, was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of FNMA and FHLMC. Each appraisal of the Mortgage Loan was made in
accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 as in effect on the date the Mortgage Loan was originated;

(xxvi)    In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee's sale after default by the Mortgagor;

(xxvii)   No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

(xxviii) The Loan-to-Value Ratio of any Mortgage Loan at origination was not more than 95% and the CLTV of any Mortgage Loan at origination was not more than 100%; Each Mortgage Loan with an original Loan-to-Value Ratio at origination greater than 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property as required by FNMA. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Insurance Policy obligates the 

 

Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium. If a Mortgage Loan is identified on the Mortgage Loan Schedule as subject to a Lender Paid Mortgage Insurance Policy, such policy insures that portion of the Mortgage Loan set forth in the LPMI Policy. All provisions of any such LPMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. The Mortgage Interest Rate for the Mortgage Loan does not include the insurance premium for any LPMI Policy;

(xxix)    The Mortgaged Property is lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities. No improvement located on or being part of any Mortgaged Property is in violation of any applicable zoning and subdivision law, ordinance or regulation;

(xxx)     No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser, any builder or developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

(xxxi)    Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having (A) first lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, by a title insurance policy, an endorsement to the policy insuring the mortgagee's consolidated interest or by other
title evidence acceptable to FNMA and FHLMC. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

(xxxii)   Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months;

(xxxiii) The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller's knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law;

(xxxiv) No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994, as amended ("HOEPA"), (b) a "high cost", "covered", "abusive", "predatory", "home loan", "Section 10" or "high risk" mortgage loan (or a similarly 

 

designated loan using different terminology) under any federal, state or local law, or any other statute or regulation providing assignee liability to holders of such mortgage loans, or (c) subject to or in violation of any such or comparable federal, state or local statutes or regulations. No Mortgage Loan is a high cost loan or a covered loan, as applicable as such terms are defined in the current version of Standard & Poor's LEVELS® Glossary Revised, Appendix E as of the related Closing Date);

(xxxv)   No Mortgage Loan had an original term to maturity of more than thirty (30) years;

(xxxvi) Each Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the related Mortgage Loan in the event the related Mortgaged Property is sold or transferred without the prior consent of the mortgagee thereunder;

(xxxvii) With respect to each Mortgage Loan which is a Second Lien, (i) the related First Lien does not provide for negative amortization, and (ii) either no consent for the Mortgage Loan is required by the holder of the First Lien or such consent has been obtained and is contained in the Mortgage File;

(xxxviii) The Mortgage Loan Documents with respect to each Mortgage Loan subject to Prepayment Charges specifically authorizes such Prepayment Charges to be collected, such Prepayment Charges are permissible and enforceable in accordance with the terms of the related Mortgage Loan Documents and all applicable federal, state and local laws (except to the extent that the enforceability thereof may be limited by bankruptcy, insolvency, moratorium, receivership and other similar laws relating to creditors' rights generally or the collectability thereof may be limited due to acceleration in connection with a foreclosure) and each Prepayment Charge was originated in compliance with all applicable federal, state and local laws;

(xxxix) The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the "Anti-Money Laundering Laws"). The Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws; no Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the "Executive Order") or the regulations
promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the "OFAC Regulations") or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a "blocked person" for purposes of the OFAC Regulations;

(xl)        With respect to each MERS Mortgage Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the related Mortgage Loan Schedule. The related 

 

Assignment of Mortgage to MERS has been duly and properly recorded or has been delivered for recording to the applicable recording office;

(xli)       With respect to each MERS Mortgage Loan, neither the Seller nor the Servicer has received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;

(xlii)      The sale or transfer of the Mortgage Loan by the Seller complies with all applicable federal, state, and local laws, rules, and regulations governing such sale or transfer, including, without limitation, the Fair and Accurate Credit Transactions Act ("FACT Act") and the Fair Credit Reporting Act, each as may be amended from time to time, and the Seller has not received any actual or constructive notice of any identity theft, fraud, or other misrepresentation in connection with such Mortgage Loan or any party thereto.

(xliii)     The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct in all material respects;

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

(xlv)      If the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of FNMA and FHLMC;

(xlvi)     All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

(xlvii)    The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

(xlviii)    No Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a "buydown" provision;

(xlix)     The Mortgage Loan is not a graduated payment mortgage loan or a balloon Mortgage Loan, and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

(1)        The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate 

 

mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

(li)         Each original Mortgage was recorded and all subsequent assignments of the original Mortgage (other than the assignment to the Purchaser) have been recorded, or are in the process of being recorded, in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of the Seller. As to any Mortgage Loan which is not a MERS Mortgage Loan, the Assignment of Mortgage is in recordable form (except for the name of the assignee which is blank) and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

(1ii)       Each Mortgage Loan originated in the state of Texas pursuant to Article XVI, Section 50(a)(6) of the Texas Constitution (a "Texas Refinance Loan") has been originated in compliance with the provisions of Article XVI, Section 50(a)(6) of the Texas Constitution, Texas Civil Statutes and the Texas Finance Code. With respect to each Texas Refinance Loan that is a Cash Out Refinancing, the related Mortgage Loan Documents state that the Mortgagor may prepay such Texas Refinance Loan in whole or in part without incurring a Prepayment Charge. The Seller does not collect any such Prepayment Charges in connection with any such Texas Refinance Loan;

(liii)       Unless set forth on the Mortgage Loan Schedule, the source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

(liv)       The Seller shall, at its own expense, cause each Mortgage Loan to be covered by a "life of loan" Tax Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee or will reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

(lv)        Each Mortgage Loan is covered by a "life of loan" Flood Zone Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee or, for each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

(lvi)       No Mortgage Loan is secured by cooperative housing, commercial property or mixed use property;

(lvii)      No selection procedures were used by the Seller that identified the Mortgage Loans as being less desirable or valuable than other comparable mortgage loans in the Seller's portfolio;

(lviii)     Each Mortgage Loan has a valid and original Credit Score, with a minimum Credit Score as set forth in the related Confirmation;

(lix)       No Mortgage Loan originated or modified on or after October 1, 2002 and prior to March 7, 2003 is secured by a Mortgaged Property located in the State of Georgia;

 

 

(lx)        No Mortgage Loan is a "manufactured housing loan" pursuant to the NJ Act, and one hundred percent of the amount financed of any purchase money Second Lien Mortgage Loan subject to the NJ Act was used for the purchase of the related Mortgaged Property;

(lxi)       With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by a Mortgage Property located in the State of Illinois is in violation of the provisions of the Illinois Interest Act, including Section 4.1 a which provides that no such Mortgage Loan with a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan;

(lxii)      No Mortgage Loan is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property;

(lxiii)     No Mortgage Loan secured by a Mortgaged Property located in the Commonwealth of Massachusetts was made to pay off or refinance an existing loan or other debt of the related borrower (as the term "borrower" is defined in the regulations promulgated by the Massachusetts Secretary of State in connection with Massachusetts House Bill 4880 (2004)) unless either (1) (a) the related Mortgage Interest Rate (that would be effective once the introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did or would not exceed by more than 2.25% the yield on United States Treasury securities having comparable periods of maturity to the maturity of the related Mortgage Loan as of the fifteenth day of the month immediately preceding the month in which the application for the extension of credit was received by the related lender or (b) the Mortgage Loan
is an "open-end home loan" (as such term is used in the Massachusetts House Bill 4880 (2004)) and the related Mortgage Note provides that the related Mortgage Interest Rate may not exceed at any time the Prime rate index as published in The Wall Street Journal plus a margin of one percent, or (2) such Mortgage Loan is in the "borrower's interest," as documented by a "borrower's interest worksheet" for the particular Mortgage Loan, which worksheet incorporates the factors set forth in Massachusetts House Bill 4880 (2004) and the regulations promulgated thereunder for determining "borrower's interest," and otherwise complies in all material respects with the laws of the Commonwealth of Massachusetts;

(lxiv)     The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor's credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, cause the Mortgage Loan to not be paid in full when due, or adversely affect the value of the Mortgage Loan;

(lxv)      The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date;

	
            (lxvi)
 	
            No Mortgagor is the obligor on more than two Mortgage Notes;
 

 

 

 

(lxvii)    With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a Principal Prepayment prior to maturity: (i) prior to the Mortgage Loan's origination, the Mortgagor agreed to such Prepayment Charge in exchange for a monetary benefit, including but not limited to a Mortgage Interest Rate or fee reduction, (ii) prior to the Mortgage Loan's origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the Mortgage Loan Documents pursuant to applicable state and federal law, (iv) for Mortgage Loans originated on or after September 1, 2004, the duration of the prepayment period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to
reduce the prepayment period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in the prepayment period, (v) no Mortgage Loan originated prior to October 1, 2002 has a Prepayment Charge longer than five years (vi) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the Mortgage debt is accelerated as the result of the Mortgagor's default in making the Monthly Payments;

(lxviii)    No predatory, abusive or deceptive lending practices, including but not limited to, the extension of credit to a Mortgagor without regard for the Mortgagor's ability to repay the Mortgage Loan and the extension of credit to a Mortgagor which has no tangible net benefit to the Mortgagor, were employed in connection with the origination of the Mortgage Loan. Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of FNMA's Selling Guide. No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan's originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan's origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered
by the Mortgage Loan's originator or any affiliate of the Mortgage Loan's originator. If, at the time of the related loan application, the Mortgagor may have qualified for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan's originator, the Mortgage Loan's originator referred the Mortgagor's application to such affiliate for underwriting consideration;

(lxix)     The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor's income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor's equity in the collateral as the principal determining factor in approving such credit extension. Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

(lxx)      All points, fees and charges, including finance charges (whether or not financed, assessed, collected or to be collected), in connection with the origination and servicing of each Mortgage Loan were disclosed in writing to the related Mortgagor in accordance with applicable state and federal law and regulation. Except in the case of a Mortgage Loan in an original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Mortgagor was charged "points and fees" (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in 

 

accordance with FNMA's anti-predatory lending requirements as set forth in the FNMA Selling Guide;

(lxxi)     No Mortgagor was required to purchase any credit life, disability, accident or health insurance product or debt cancellation agreement as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance policy in connection with the origination of the Mortgage Loan, and no proceeds from any Mortgage Loan were used to finance single-premium credit insurance policies or debt cancellation agreements as part of the origination of, or as a condition to closing, such Mortgage Loan;

(lxxii)    The Servicer and any predecessor servicer has fully furnished, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Union Credit Information Company (three of the credit repositories) on a monthly basis; and the Servicer will fully furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Credit Information Company (three of the credit repositories), on a monthly basis; and

(lxxiii)    With respect to each Mortgage Loan, neither the related Mortgage nor the related Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction; No Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction.

 

 

 

EXHIBIT H

 

Representation and Warranties with Respect to the PHH Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the PHH Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit H shall have the meanings ascribed to them in the PHH Servicing Agreement.

 

(1)        Mortgage Loan as Described.  Such Mortgage Loan complies with the terms and conditions set forth herein, and all of the information set forth with respect thereto on the Mortgage Loan Schedule is true and correct in all material respects;

(2)        Complete Mortgage Files.  The instruments and documents specified in Section 2.02 with respect to such Mortgage Loan have been delivered to the Purchaser in compliance with the requirements of Article II.  The Seller is in possession of a Mortgage File respecting such Mort gage Loan, except for such documents as have been previously delivered to the Purchaser;

(3)        Owner of Record.  The Mortgage relating to such Mortgage Loan has been duly recorded in (or sent for recording to) the appropriate recording office, and the applicable Seller or Servicer is the owner of record of such Mortgage Loan and the indebtedness evidenced by the related Mortgage Note;

(4)        Payments Current.  All payments required to be made up to and including the Funding Date for such Mortgage Loan under the terms of the Mortgage Note have been made, such that such Mortgage Loan is not delinquent 30 days or more on the Funding Date; and, if the Mortgage Loan is a Pledged Asset Mortgage Loan, neither the Mortgage Loan nor the related Pledged Assets has been dishonored. Unless otherwise disclosed in the Offering Materials or the Mortgage Loan Schedule, there has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder during the twelve months preceding the Funding Date; and, if the Mortgage Loan is a Cooperative Loan, no foreclosure action or private or public sale under the Uniform Commercial Code has ever been threatened or commenced with respect to
the Cooperative Loan;

(5)        No Outstanding Charges.  There are no delinquent taxes, insurance premiums, assessments, including assessments payable in future installments, or other outstanding charges affecting the Mortgaged Property related to such Mortgage Loan;

(6)        Original Terms Unmodified.  The terms of the Mortgage Note and the Mortgage related to such Mortgage Loan (and the Proprietary Lease and the Pledge Instruments with respect to each Cooperative Loan, and the Pledged Assets with respect to each Pledged Asset Mortgage Loan) have not been impaired, waived, altered or modified in any material respect, except as specifically set forth in the related Mortgage Loan Schedule;

(7)        No Defenses.  The Mortgage Note and the Mortgage related to such Mortgage Loan (and the Cooperative Pledge Agreement related to each Cooperative Loan, and the related Pledge Agreement with respect to each Pledged Asset Mortgage Loan) are not subject to any right of rescission, set-off or defense, including the defense of usury, nor will the operation of any of the 

 

terms of such Mortgage Note and such Mortgage (or the related Pledge Agreement with respect to each Pledged Asset Mortgage Loan), or the exercise of any right thereunder, render such Mortgage (or the related Pledge Agreement with respect to each Pledged Asset Mortgage Loan) unenforceable, in whole or in part, or subject to any right of rescission, set-off or defense, including the defense of usury and no such right of rescission, set-off or defense has been asserted with respect thereto;  

(8)        Hazard Insurance.  (a) All buildings upon the Mortgaged Property related to such Mortgage Loan are insured by an insurer acceptable to Fannie Mae or Freddie Mac against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where such Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of Section 5.10.  All such insurance policies (collectively, the “hazard insurance policy”) contain a standard mortgagee clause naming the originator of such Mortgage Loan, its successors and assigns, as mortgagee.  Such policies are the valid and binding obligations of the insurer, and all premiums thereon due to date have been paid.  The related Mortgage obligates the Mortgagor thereunder to
maintain all such insurance at such Mortgagor’s cost and expense, and on such Mortgagor’s failure to do so, authorizes the holder of such Mortgage to maintain such insurance at such Mortgagor’s cost and expense and to seek reimbursement therefor from such Mortgagor; or (b) in the case of a condominium or unit in a planned unit development (“PUD”) project that is not covered by an individual policy, the condominium or PUD project is covered by a “master” or “blanket” policy and there exists and is in the Mortgage File a certificate of insurance showing that the individual unit that secures the first mortgage is covered under such policy.  The insurance policy contains a standard mortgagee clause naming the originator of such Mortgage Loan (and its successors and assigns), as insured mortgagee.  Such policies are the valid and binding obligations of the insurer, and all premiums thereon have been paid.  The insurance policy provides for
advance notice to the Seller or Servicer if the policy is canceled or not renewed, or if any other change that adversely affects the Seller’s interests is made; the certificate includes the types and amounts of coverage provided, describes any endorsements that are part of the “master” policy and would be acceptable pursuant to the Fannie Mae Guide or Freddie Mac Servicing Guide;

(9)        Compliance With Applicable Laws.  All requirements of any federal, state or local law (including usury, truth in lending, real estate settlement procedures, consumer credit protection, predatory and abusive lending, equal credit opportunity or disclosure laws) applicable to the origination and servicing of such Mortgage Loan have been complied with in all material respects;

(10)      No Fraud.  No error or omission, misrepresentation, negligence or fraud in respect of such Mortgage Loan has taken place on the part of any Person in connection with the origination and servicing of such Mortgage Loan.

(11)      No Satisfaction of Mortgage.  The Mortgage related to such Mortgage Loan has not been satisfied, canceled or subordinated, in whole or in part, or rescinded, and the related Mortgaged Property has not been released from the lien of such Mortgage, in whole or in part, nor has any instrument been executed that would effect any such release, cancellation, subordination or rescission;

 

 

(12)      Valid First Lien.  The Mortgage including any Negative Amortization,  related to such Mortgage Loan is a valid, subsisting and enforceable perfected first lien on the related Mortgaged Property, including all improvements on the related Mortgaged Property, which Mortgaged Property is free and clear of any encumbrances and liens having priority over the first lien of the Mortgage subject only to (a) the lien of current real estate taxes and special assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording of such Mortgage which are acceptable to mortgage lending institutions generally, are referred to in the lender’s title insurance policy and do not adversely affect the market value or intended use of
the related Mortgaged Property, and (c) other matters to which like properties are commonly subject which do not individually or in the aggregate materially interfere with the benefits of the security intended to be provided by such Mortgage or the use, enjoyment, or market value of the related Mortgaged Property; with respect to each Cooperative Loan, each Cooperative Pledge Agreement creates a valid, enforceable and subsisting first security interest in the collateral securing the related Mortgage Note subject only to (a) the lien of the related Cooperative Corporation for unpaid assessments representing the obligor's pro rata share of the Cooperative Corporation’s payments for its blanket mortgage, current and future real property taxes, insurance premiums, maintenance fees and other assessments to which like collateral is commonly subject and (b) other matters to which like collateral is commonly subject which do not materially interfere with the benefits of the security
intended to be provided by the Cooperative Pledge Agreement; provided, however, that the appurtenant Proprietary Lease may be subordinated or otherwise subject to the lien of any mortgage on the Cooperative Project;

(13)      Validity of Documents.  The Mortgage Note and the Mortgage related to such Mortgage Loan (and the Cooperative Pledge Agreement with respect to each Cooperative Loan) are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors’ rights generally and general equitable principles (regardless whether such enforcement is considered in a proceeding in equity or at law);

(14)      Valid Execution of Documents.  All parties to the Mortgage Note and the Mortgage related to such Mortgage Loan had legal capacity to enter into such Mortgage Loan and to execute and deliver the related Mortgage Note and the related Mortgage and the related Mortgage Note and the related Mortgage have been duly and properly executed by such parties; with respect to each Cooperative Loan, all parties to the Mortgage Note and the Mortgage Loan had legal capacity to execute and deliver the Mortgage Note, the Cooperative Pledge Agreement, the Proprietary Lease, the Stock Power, the Recognition Agreement, the Financing Statement and the Assignment of Proprietary Lease and such documents have been duly and properly executed by such parties; each Stock Power (i) has all signatures guaranteed or (ii) if all signatures are not
guaranteed, then such Cooperative Shares will be transferred by the stock transfer agent of the Cooperative Corporation if the Seller undertakes to convert the ownership of the collateral securing the related Cooperative Loan;

(15)      Full Disbursement of Proceeds.  Such Mortgage Loan has closed and the proceeds of such Mortgage Loan have been fully disbursed prior to the Funding Date; provided that, with respect to any Mortgage Loan originated within the previous 120 days, alterations and repairs 

 

with respect to the related Mortgaged Property or any part thereof may have required an escrow of funds in an amount sufficient to pay for all outstanding work within 120 days of the origination of such Mortgage Loan, and, if so, such funds are held in escrow by the Seller, a title company or other escrow agent;

(16)      Ownership.  The Mortgage Note and the Mortgage related to such Mortgage Loan have not been assigned, pledged or otherwise transferred by the applicable Seller, in whole or in part, and the Seller has good and marketable title thereto, and the Seller is the sole owner thereof (and with respect to any Cooperative Loan, the sole owner of the related Cooperative Pledge Agreement)and has full right and authority to transfer and sell such Mortgage Loan, and is transferring such Mortgage Loan to the Purchaser free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest;

(17)      Doing Business.  All parties that have had any interest in such Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) in compliance with any and all applicable licensing requirements of the laws of the state wherein the related Mortgaged Property is located;

(18)      Title Insurance.  (a) Such Mortgage Loan is covered by an ALTA lender’s title insurance policy or short form title policy acceptable to Fannie Mae and Freddie Mac (or, in jurisdictions where ALTA policies are not generally approved for use, a lender’s title insurance policy acceptable to Fannie Mae and Freddie Mac), issued by a title insurer acceptable to Fannie Mae and Freddie Mac and qualified to do business in the jurisdiction where the related Mortgaged Property is located, insuring (subject to the exceptions contained in clauses (12)(a) and (b) above) the Seller or Servicer, its successors and assigns as to the first priority lien of the related Mortgage in the original principal amount of such Mortgage Loan including any Negative Amortization and in the case of ARM Loans, against any loss by reason of the
invalidity or unenforceability of the lien resulting from the provisions of such Mortgage providing for adjustment to the applicable Note Rate and Monthly Payment.  Additionally, either such lender’s title insurance policy affirmatively insures that there is ingress and egress to and from the Mortgaged Property or the Seller warrants that there is ingress and egress to and from the Mortgaged Property and the lender’ s title insurance policy affirmatively insures against encroachments by or upon the related Mortgaged Property or any interest therein or any other adverse circumstance that either is disclosed or would have been disclosed by an accurate survey.  The originator of the Mortgage Loan, its successor and/or assignee is the sole insured of such lender’s title insurance policy, and such lender’s title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement and
will inure to the benefit of the Purchaser without any further act.  No claims have been made under such lender’s title insurance policy, neither the Seller, nor to the best of Seller’s knowledge, any prior holder of the related Mortgage has done, by act or omission, anything that would impair  the coverage of such lender’s insurance policy, and there is no act, omission, condition, or information that would impair the coverage of such lender’s insurance policy; (b) The mortgage title insurance policy covering each unit mortgage in a condominium or PUD project related to such Mortgage Loan meets all requirements of Fannie Mae and Freddie Mac;

 

 

(19)      No Defaults.  (a) There is no default, breach, violation or event of acceleration existing under the Mortgage, the Mortgage Note (or the related Pledge Agreement with respect to each Pledged Asset Mortgage Loan), or any other agreements, documents, or instruments related to such Mortgage Loan; (b) to the best of the Seller’s knowledge, there is no event that, with the lapse of time, the giving of notice, or both, would constitute such a default, breach, violation or event of acceleration; (c) the Mortgagor(s) with respect to such Mortgage Loan is  not the subject of an Insolvency Proceeding; (d) no event of acceleration has previously occurred, and no notice of default has been sent, with respect to such Mortgage Loan; (e) in no event has the Seller waived any of its rights or remedies in respect of any default,
breach, violation or event of acceleration under the Mortgage, the Mortgage Note (or the related Pledge Agreement with respect to each Pledged Asset Mortgage Loan), or any other agreements, documents, or instruments related to such Mortgage Loan; and (f) with respect to each Cooperative Loan, there is no default in complying with the terms of the Mortgage Note, the Cooperative Pledge Agreement and the Proprietary Lease and all maintenance charges and assessments (including assessments payable in the future installments, which previously became due and owing) have been paid, and the Seller has the right under the terms of the Mortgage Note, Cooperative Pledge Agreement and Recognition Agreement to pay any maintenance charges or assessments owed by the Mortgagor;

(20)      No Mechanics’ Liens.  No Mortgage Loan is subject to any mechanics’ or similar liens, except such liens as are expressly insured against by a title insurance policy, or claims that have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property that are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage;

(21)      Location of Improvements; No Encroachments.  As of the date of origination of such Mortgage Loan, to the best of the Seller’s knowledge, all improvements that were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of such Mortgaged Property, and no improvements on adjoining properties encroach upon such Mortgaged Property except as permitted under the terms of the Fannie Mae Guide and the Freddie Mac Servicer Guide; to the best of the Seller’s knowledge, no improvement located on or part of any Mortgaged Property is in violation of any applicable zoning law or regulation, and all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of such Mortgaged Property, and
with respect to the use and occupancy of the same, including certificates of occupancy, have been made or obtained from the appropriate authorities;

(22)      Origination; Payment Terms.  Principal payments on such Mortgage Loan commenced or will commence no more than 60 days after funds were disbursed in connection with such Mortgage Loan.  If the interest rate on the related Mortgage Note is adjustable, the adjustment is based on the Index set forth on the related Mortgage Loan Schedule. The related Mortgage Note is payable on the first day of each month in arrears, in accordance with the payment terms described on the related Mortgage Loan Schedule.  With respect to any Mortgage Loan subject to Negative Amortization the Monthly Payments are sufficient during the period following each Payment Adjustment Date to fully amortize the outstanding principal balance as of the first day of such period (including any Negative Amortization) over the original term thereof in
accordance with the terms and conditions set forth in the Mortgage Note ;

 

 

(23)      Due On Sale.  Except as noted otherwise on the Mortgage Loan Schedule, the related Mortgage contains the usual and customary “due-on-sale” clause or other similar provision for the acceleration of the payment of the Unpaid Principal Balance of such Mortgage Loan if the related Mortgaged Property or any interest therein is sold or transferred without the prior consent of the mortgagee thereunder;

(24)      Prepayment Penalty.  Except as noted otherwise on the Mortgage Loan Schedule, such Mortgage Loan is not subject to any Prepayment Penalty;

(25)      Mortgaged Property Undamaged; No Condemnation.  The related Mortgaged Property (and with respect to a Cooperative Loan, the related Cooperative Project and Cooperative Unit) is free of material damage and waste and there is no proceeding pending for the total or partial condemnation thereof;

(26)      Customary Provisions.  The related Mortgage contains customary and enforceable provisions that render the rights and remedies of the holder thereof adequate for the realization against the related Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (b) in the case of a Mortgage, otherwise by judicial foreclosure;

(27)      Conformance With Underwriting Standards. Such Mortgage Loan was underwritten in accordance with the PHH Guide; 

(28)      Appraisal.  The Mortgage File contains an appraisal of the related Mortgaged Property on forms and with riders approved by Fannie Mae and Freddie Mac, signed prior to the approval of such Mortgage Loan application by an appraiser, duly appointed by the originator of such Mortgage Loan, whose compensation is not affected by the approval or disapproval of such Mortgage Loan and who met the minimum qualifications of Fannie Mae and Freddie Mac for appraisers.  Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

(29)      Deeds of Trust.  If the related Mortgage constitutes a deed of trust, then a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in such Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under such deed of trust, except in connection with a trustee’s sale after default by the related Mortgagor;

(30)      LTV; Primary Mortgage Insurance Policy.  Except with respect to Pledged Asset Mortgage Loans and any loan program as defined in the PHH Guide not requiring Primary Mortgage Insurance, if such Mortgage Loan had a Loan-to-Value Ratio of more than 80% at origination, such Mortgage Loan is and will be subject to a Primary Insurance Policy issued by a Qualified Mortgage Insurer, which insures the Seller or Servicer, its successors and assigns and insured’s in the amount set forth on the Mortgage Loan Schedule; provided that, a Primary Mortgage Insurance Policy will not be required for any Cooperative Loan if (i) the proceeds of such Cooperative Loan were used to purchase a Cooperative Unit at the “insider's price” when the building was converted to a Cooperative Corporation, (ii) the value of the Cooperative
Unit for purposes of establishing the LTV at origination was such “insider's price”, (iii) the principal 

 

amount of the Cooperative Loan at origination was not more than 100% of such “insider's price” and (iv) the LTV at origination, as calculated using the Appraised Value at origination, was less than or equal to 80%.  All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid.  Any related Mortgage subject to any such Primary Insurance Policy (other than a “lender-paid” Primary Insurance Policy) obligates the Mortgagor thereunder to maintain such insurance for the time period required by law and to pay all premiums and charges in connection therewith.  As of the date of origination, the Loan-to-Value Ratio of such Mortgage Loan is as specified in the applicable Mortgage Loan Schedule;

(31)      Occupancy.  To the best of the Seller’s knowledge, the related Mortgaged Property (or with respect to a Cooperative Loan, the related Cooperative Unit) is lawfully occupied under applicable law and all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property (or with respect to a Cooperative Loan, the related Cooperative Unit) and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy, have been made or obtained from the appropriate authorities;

(32)      Supervision and Examination by a Federal or State Authority.  Each Mortgage Loan either was (a) closed in the name of the PHH Mortgage, or (b) closed in the name of another entity that is either a savings and loan association, a savings bank, a commercial bank, credit union, insurance company or an institution which is supervised and examined by a federal or state authority, or a mortgagee approved by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act (a “HUD Approved Mortgagee”), and was so at the time such Mortgage Loan was originated (PHH Mortgage or such other entity, the “Originator”) or (c) closed in the name of a loan broker under the circumstances described in the following sentence.  If such Mortgage Loan was originated through a loan
broker, such Mortgage Loan met the Originator’s underwriting criteria at the time of origination and was originated in accordance with the Originator’s policies and procedures and the Originator acquired such Mortgage Loan from the loan broker contemporaneously with the origination thereof.  The Mortgage Loans that the Trust is selling to Purchaser were originated by or on behalf of PHH Mortgage and subsequently assigned to the Trust.

(33)      Adjustments.  All of the terms of the related Mortgage Note pertaining to interest rate adjustments, payment adjustments and adjustments of the outstanding principal balance, if any, are enforceable and such adjustments will not affect the priority of the lien of the related Mortgage; all such adjustments on such Mortgage Loan have been made properly and in accordance with the provisions of such Mortgage Loan;

(34)      Insolvency Proceedings; The Servicemembers Civil Relief Act. To the best of the Seller’s knowledge, the related Mortgagor (1) is not the subject of any Insolvency Proceeding; and (2) has not requested any relief allowed to such Mortgagor under the  Servicemembers Civil Relief Act;

(35)      Fannie Mae/Freddie Mac Documents.  Such Mortgage Loan was closed on standard Fannie Mae or Freddie Mac documents or on such documents otherwise acceptable to them;

 

 

(36)      Payments.  Unless otherwise disclosed in the Offering Materials or the Mortgage Loan Schedule, no Mortgage Loan contains provisions pursuant to which Monthly Payments are (a) paid or partially paid with funds deposited in any separate account established by the Seller, the Mortgagor, or anyone on behalf of the Mortgagor, (b) paid by any source other than the Mortgagor or (c) contains any other similar provisions which may constitute a “buydown” provision. The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

(37)      The Assignment of Mortgage.  The Assignment is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

(38)      No Advances.  Any principal advances made to the Mortgagor prior to the Cut-off Date have been  consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan plus any Negative Amortization;

(39)      Balloon Loans.  Unless otherwise disclosed in the Offering Materials or the Mortgage Loan Schedule, no Mortgage Loan has a balloon payment feature.  With respect to any Mortgage Loan with a balloon payment feature, the Mortgage Note is payable in Monthly Payments based on a thirty year amortization schedule and has a final Monthly Payment substantially greater than the preceding Monthly Payment which is sufficient to amortize the remaining principal balance of the Mortgage Loan;

(40)      Condominium Units/PUDs.  If the residential dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or planned unit development project meets the eligibility requirements of the PHH Guide;

(41)      High Cost Mortgage Loans.  None of the Mortgage Loans are (a) subject to, covered by or in violation of the Home Ownership and Equity Protection Act of 1994 (“HOEPA”), (b) classified as a “high cost,” “covered,” “high risk home”, “high-rate, high-fee,” “threshold,” or “predatory” loan under HOEPA or any other applicable state, federal or local law, including any predatory or abusive lending laws (or a similarly classified loan using different terminology under a law imposing heightened scrutiny or additional legal liability for a residential mortgage loan having high interest rates, points and/or fees), (c) a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the Standard & Poor’s LEVELS® Glossary Revised, Appendix
E) or (d) in violation of any state law or ordinance comparable to HOEPA;

(42)      No Rehabilitation Loan.  Unless otherwise disclosed in the Offering Materials or the Mortgage Loan Schedule, no Mortgage Loan was made in connection with (a) the construction or rehabilitation of a  Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;

(43)      No Adverse Conditions.  The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgage Property (or with respect to a Cooperative Loan, the Cooperative Pledge Agreement, the Cooperative Unit or the Cooperative Project), the Mortgagor 

 

or the Mortgagor’s credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value of the Mortgage Loan;

(44)      Scheduled Interest.  Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months;

(45)      Environmental Laws.  To the best of Seller’s knowledge, the Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller’s knowledge, the related Mortgagor, has received any notice of any violation or potential violation of such law; 

(46)      Negative Amortization.  Unless otherwise disclosed in the Offering Materials or the Mortgage Loan Schedule, no Mortgage Loan is subject to negative amortization;

(47)      Cooperative Lien Search.  With respect to each Cooperative Loan, a Cooperative Lien Search has been made by a company competent to make the same which company is acceptable to Fannie Mae and Freddie Mac and qualified to do business in the jurisdiction where the Cooperative Unit is located; 

(48)      Cooperative Loan- Proprietary Lease.  With respect to each Cooperative Loan, (i) the terms of the related Proprietary Lease is longer than the terms of the Cooperative Loan, (ii) there is no provision in any Proprietary Lease which requires the Mortgagor to offer for sale the Cooperative Shares owned by such Mortgagor first to the Cooperative Corporation, (iii) there is no prohibition in any Proprietary Lease against pledging the Cooperative Shares or assigning the Proprietary Lease and (iv) the Recognition Agreement is on a form of agreement published by the Aztech Document Systems, Inc. or includes provisions which are no less favorable to the lender than those contained in such agreement;

(49)      Cooperative Loan- UCC Financing Statement.  With respect to each Cooperative Loan, each original UCC financing statement, continuation statement or other governmental filing or recordation necessary to create or preserve the perfection and priority of the first priority lien and security interest in the Cooperative Shares and Proprietary Lease has been timely and properly made.  Any security agreement, chattel mortgage or equivalent document related to the Cooperative Loan and delivered to the Mortgagor or its designee establishes in the Mortgagor a valid and subsisting perfected first lien on and security interest in the Mortgaged Property described therein, and the Mortgagor has full right to sell and assign the same;

(50)      Cooperative Loan- Cooperative Pledge Agreement.  With respect to each Cooperative Loan, each Cooperative Pledge Agreement contains enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization of the benefits of the security provided thereby.  The Cooperative Pledge Agreement contains an enforceable provision for the acceleration of the payment of the Unpaid Principal Balance of the Mortgage Note in the event the Cooperative Unit is transferred or sold without the consent of the holder thereof;

(51)      Imaging.  Each imaged document represents a true, complete, and correct copy of the original document in all respects, including, but not limited to, all signatures conforming with 

 

signatures contained in the original document, no information having been added or deleted, and no imaged document having been manipulated or altered in any manner.  Each imaged document is clear and legible, including, but not limited to, accurate reproductions of photographs.  No original documents have been or will be altered in any manner;

(52)      No predatory or deceptive lending practices, including but not limited to, the extension of credit to a mortgagor without regard for the mortgagor’s ability to repay the Mortgage Loan and the extension of credit to a mortgagor which has no apparent benefit to the mortgagor, were employed in connection with the origination of the Mortgage Loan.  Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of the Fannie Mae Guides;

(53)      No Mortgagor was required to purchase any credit life, disability, accident or health insurance  product as a condition of obtaining the extension of credit.  No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance  policy in connection with the origination of the Mortgage Loan.  No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies as part of the origination of, or as a condition to closing, such Mortgage Loan;

	
            (54)
 	
            None of the Mortgage Loans are subject to a prepayment penalty.
 

(55)      The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the “Anti-Money Laundering Laws”); the Seller has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the identity of the applicable Mortgagor and, other than with respect to any Mortgage Loan originated pursuant to a “specialty/Alt-A” program, the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering
Laws.  No Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the “Executive Order”) or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the “OFAC Regulations”) or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a “blocked person” for purposes of the OFAC Regulations;

(56)      No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan’s originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan’s origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered by the Mortgage Loan’s originator or any affiliate of the Mortgage Loan’s originator.  If, at the time of loan application, the Mortgagor may have qualified for a for a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan’s originator, the Mortgage Loan’s originator referred the Mortgagor’s application to such affiliate for underwriting consideration;

 

 

(57)      The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor’s income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor’s equity in the collateral as the principal determining factor in approving such credit extension.  Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

(58)      All points and fees related to each Mortgage Loan were disclosed in writing to the related Borrower in accordance with applicable state and federal law and regulation.  Except in the case of a Mortgage Loan in an original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Borrower was charged “points and fees” (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in accordance with Fannie Mae’s anti-predatory lending requirements as set forth in the Fannie Mae Selling Guide.  All fees and charges (including finance charges) and whether or not financed, assessed, collected or to be collected in connection with the origination and servicing of each such Mortgage Loan were disclosed in writing to the related  Mortgagor  in
accordance with applicable state and federal laws and regulations; 

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

(60)      No Mortgage Loan is a “High Cost Home Loan” as defined in the Georgia Fair Lending Act, as amended (the “Georgia Act”).   Each Mortgage Loan that is a “Home Loan” under the Georgia Act complies with all applicable provisions of the Georgia Act. No Mortgage Loan secured by owner occupied real property or an owner occupied manufactured home located in the State of Georgia was originated (or modified) on or after October 1, 2002 through and including March 6, 2003;

(61)      With respect to any Mortgage Loan for which a mortgage loan application was submitted by the Mortgagor after April 1, 2004, no such Mortgage Loan secured by Mortgaged Property in the State of Illinois which has a mortgage rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3.0% of the original principal balance of the Mortgage Loan;

(62)      With respect to each Mortgage Loan, the Mortgagor has not made or caused to be made any payment in the nature of an “average” or “yield spread premium” to a mortgage broker or a like Person which has not been fully disclosed to the Mortgagor;

(63)      With respect to each MERS Mortgage Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule.  The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office; 

(64)      With respect to each MERS Mortgage Loan, the Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS; and

 

 

(65)      With respect to any Mortgage Loan originated on or after August 1, 2004, no Mortgagor agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction.

 

 

 

EXHIBIT I

 

Representation and Warranties with Respect to the SunTrust Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the SunTrust Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit I shall have the meanings ascribed to them in the SunTrust Servicing Agreement.

 

(i)         The information set forth in the related Mortgage Loan Schedule is complete, true and correct;

(ii)         The Mortgage Loan is in compliance with all requirements set forth in the related Confirmation, and the characteristics of the related Mortgage Loan Package as set forth in the related Confirmation are true and correct;

(iii)        All payments required to be made up to the close of business on the Closing Date for such Mortgage Loan under the terms of the Mortgage Note have been made; the Seller, has not advanced funds, or induced, solicited or, knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or- indirectly, for the payment of any amount required by the Mortgage Note or Mortgage; and there has been no delinquency, exclusive of any period of grace, in any payment by the Mortgagor thereunder since the origination of the Mortgage Loan;

(iv)        There are no delinquent taxes, ground rents, water charges, sewer vents, assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the related Mortgaged Property;

(v)        The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Custodian; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Insurance Policy, if any, and the title insurer, to the extent required by the related policy, and is reflected on the related Mortgage Loan Schedule. No instrument of waiver, alteration or- modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Insurance Policy, if any, the title insurer, to the extent
required by the policy, and which assumption agreement has been delivered to the Custodian and the terms of which are reflected in the related Mortgage Loan Schedule;

(vi)        The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor- will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, r-ender the Mortgage unenforceable, in whole or- in part, or- subject to any right of rescission, set-off; counterclaim or defense, including the defense of usury and no such right of rescission, set-off; counterclaim or defense has been asserted with respect thereto .

 

Each Prepayment Charge or penalty with respect to any Mortgage Loan is permissible, enforceable and collectible under applicable federal, state and local law;

(vii)       All buildings upon the Mortgaged Property are insured by an insurer-acceptable to FNMA and FHLMC against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of the Servicing Addendum.        All such insurance policies contain a standard mortgagee clause naming the Seller, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a Flood Hazard Map or Flood Insurance Rate Map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) a flood insurance policy meeting the requirements of the current guidelines of
the Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA and FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor's cost and expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor's cost and expense and to seek reimbursement therefor from the Mortgagor;

(viii)      Any and all requirements of any federal, state or local law including, but not limited to, all applicable predatory and abusive lending, usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, fair housing or disclosure laws applicable to the origination and servicing of mortgage loans of a type similar to the Mortgage Loans have been complied with and the consummation of the transactions contemplated hereby will not involve the violation of any such laws, and the Seller shall maintain in its possession, available for the inspection of the Purchaser or its designee, and shall deliver to the Purchaser or its designee, upon two Business Days' request, evidence of compliance with such requirements;

(ix)        The Mortgage has not been satisfied, cancelled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such ,satisfaction, cancellation, subordination, rescission or release;

(x)        The related Mortgage is properly recorded and is a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller, to be a Second Lien (as reflected on the Mortgage Loan Schedule), in either case, on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (a) the lien of current real property taxes and assessments not yet due and payable, (b) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions
generally and specifically referred to in the lender's title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (c) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or, the use, enjoyment, value or, marketability of the related 

 

Mortgaged Property and (d) with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) a First Lien on the Mortgaged Property Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, existing and enforceable (A) first lien and first priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule) or (B) second lien and second priority security interest with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, on the property described therein and the Seller has full right to sell and assign the same to the Purchaser. The
Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;

(xi)        The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms;

(xii)       All parties to the Mortgage Note and the Mortgage had legal capacity to enter, into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties, The Mortgagor is a natural person;

(xiii)      The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off site improvement and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage;

(xiv)      The Seller is the sole legal, beneficial and equitable owner of the Mortgage Note and the Mortgage, The Seller has full right and authority under all governmental and regulatory bodies having jurisdiction over such Seller, subject to no interest or participation of, or, agreement with, any party, to transfer and sell the Mortgage Loan to the Purchaser pursuant to this Agreement free and clear of any encumbrance or right of others, equity, lien, pledge, charge, mortgage, claim, participation interest or security interest of any nature (collectively, a "Lien"); and immediately upon the transfers and assignments herein contemplated, the Seller shall have transferred and sold all of its right, title and interest in and to each Mortgage Loan and the Purchaser will hold good, marketable and indefeasible title to, and be the owner of, each Mortgage Loan
subject to no Lien;

(xv)       All parties which have had any interest in the Mortgage Loan, whether as originator, mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were): (A) organized under, the laws of such state, or (B) qualified to do business in such state, or (C) federal savings and loan associations or national banks having principal offices in such state, or (D) not doing business in such state so as to r-equine qualification or licensing, or- (E) not otherwise required to be licensed in such state. All 

 

parties which have had any interest in the Mortgage Loan were in compliance with any and all applicable "doing business" and licensing requirements of the laws of the state wherein the Mortgaged Property is located or were not required to be licensed in such state;

(xvi)      The Mortgage Loan is covered by an American Land Title Association ("ALTA") ALTA lender's title insurance policy acceptable to FNMA and FHLMC (which, in the case of an Adjustable Rate Mortgage Loan has an adjustable rate mortgage endorsement in the form of ALTA 6"0 or 6.1), issued by a title insurer- acceptable to FNMA and FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained above in (x)(a) and (b) and, with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule) clause (d)) the Seller, its successors and assigns as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and, with respect to any Adjustable Rate Mortgage Loan, against any
loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage providing for adjustment in the Mortgage Interest Rate and Monthly Payment. Additionally, such lender's title insurance policy affirmatively insures ingress and egress to and from the Mortgaged Property, and against encroachments by or upon the Mortgaged Property or any interest therein. The Seller is the sole insured of such lender's title insurance policy, and such lender's title insurance policy is in full force and effect and will be in full forge and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender's title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such lender's title insurance policy;

(xvii)     There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration; With respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Final Mortgage Loan Schedule) (i) the First Lien is in fall force and effect, (ii) there is no default, breach, violation or event of acceleration existing under, such First Lien mortgage or the related mortgage note, (iii) no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach,
violation or event of acceleration thereunder; and either (A) the First Lien mortgage contains a provision which allows or, (B) applicable law requires, the mortgagee under, the Second Lien Mortgage Loan to receive notice of, and affords such mortgagee an opportunity to cure any default by payment in hull or otherwise under the First Lien mortgage;

(xviii)    There are no mechanics or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the related Mortgaged Property which are or may be liens prior to, or- equal or coordinate with, the lien of the related Mortgage;

(xix)      All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building 

 

restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

(xx)       The Mortgage Loan was originated by the Seller or by a savings and loan association, a savings bank, a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved as such by the Secretary of HUD.

(xxi)      Payments on the Mortgage Loan shall commence (with respect to any newly originated Mortgage Loans) or commenced no more than sixty days after- the proceeds of the Mortgage Loan were disbursed. The Mortgage Loan bears interest at the Mortgage Interest Rate. With respect to each Mortgage Loan, the Mortgage Note is payable on the first day of each month in Monthly Payments, which, (A) in the case of a Fixed Rate Mortgage Loan, ate sufficient to fully amortize the original principal balance over the original term thereof (other than with respect to a Mortgage Loan identified on the related Mortgage Loan Schedule as an interest-only Mortgage Loan during the interest-only period) and to pay interest at the related Mortgage Interest Rate, and (B) in the case of an Adjustable Rate Mortgage Loan, are changed on each Adjustment Date, and in any case, are
sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. The Index for each Adjustable Rate Mortgage Loan is as defined in the related Mortgage Loan Schedule. With respect to each Mortgage Loan identified on the Mortgage Loan Schedule as an interest-only Mortgage Loan, the interest-only period shall not exceed the period specified on the Mortgage Loan Schedule and following the expiration of such interest-only period, the remaining Monthly Payments shall be sufficient to fully amortize the original principal balance over the remaining term of the Mortgage Loan. The Mortgage Note does not permit negative amortization. No Mortgage Loan is a Convertible Mortgage Loan;

(xxii)     The origination, servicing and collection practices used by the Seller with respect to each Mortgage Note and Mortgage, including without limitation the establishment, maintenance and servicing of the Escrow Accounts and Escrow Payments, if any, since origination have been in all respects legal, proper, prudent and customary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with all applicable laws, rules and regulations, the terms of the Mortgage Note and Mortgage, and the FNMA and FHLMC servicing guides. With respect to any Mortgage Loan which provides for an adjustable interest rate, all rate adjustments have been performed in accordance with the terms of the related Mortgage Note or subsequent modifications, if any, With respect to escrow deposits and
Escrow Payments(other than with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan and for which the mortgagee under the First Lien is collecting Escrow Payments (as reflected on the Mortgage Loan Schedule)), if any, all such payments are in the possession of; or under the control of; the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under any Mortgage or the related Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed;

 

 

(xxiii)    The Mortgaged Property is free of damage and waste and there is no proceeding pending for- the total or partial condemnation thereof;

(xxiv)    The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (a) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (b) otherwise by judicial foreclosure. The Mortgaged Property has not been subject to any bankruptcy proceeding or, foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws There is no homestead or other, exemption available to the Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage. The Mortgagor has not notified the Seller and the Seller has no knowledge of any relief requested or
allowed to the Mortgagor under the Servicemembers Civil Relief Act;

(xxv)     The Mortgage Loan was underwritten in accordance with the underwriting standards of the Seller in effect at the time the Mortgage Loan was originated which underwriting standards satisfy the standards of FNMA and FHLMC; and the Mortgage Note and Mortgage are on forms acceptable to FNMA and FHLMC;

(xxvi)    The Mortgage Note is not and has not been seemed by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (x) above;

(xxvii)   The Mortgage File contains an appraisal of the related Mortgaged Property which, (a) with respect to First Lien Mortgage Loans, was on appraisal form 1004 or form 2055 with an interior inspection, or (b) with respect to Second Lien Mortgage Loans, was on appraisal form 704, 2065 or 2055 with an exterior only inspection, and (c) with respect to (a) or (b) above, was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof; whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of FNMA and FHLMC, Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions
Reform, Recovery, and Enforcement Act of 1989;

(xxviii)   In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee's sale after default by the Mortgagor;

	
            (xxix)
 	
            With respect to each Buydown Mortgage Loan:
 

(a)        On or before the date of origination of such Mortgage Loan, the Seller and the Mortgagor; or the Seller, the Mortgagor and the seller of the Mortgaged Property or a third party entered into a Buydown Agreement. The Buydown Agreement provides that the 

 

seller of the Mortgaged Property (or third party) shall deliver to the Seller temporary Buydown Funds in an amount equal to the aggregate undiscounted amount of payments that, when added to the amount the Mortgagor on such Mortgage Loan is obligated to pay on each Due Date in accordance with the terms of the Buydown Agreement, is equal to the full scheduled Monthly Payment due on such Mortgage Loan The temporary Buydown Funds enable the Mortgagor, to qualify for- the Buydown Mortgage Loan for the first six months of the term of such Mortgage Loan at an interest rate of not more than 1,0% less per, annum than the Mortgage Interest Rate. The effective interest rate will increase in the seventh month of the Buydown Mortgage Loan so that the effective interest rate will be equal to the interest rate as set forth in the related Mortgage Note.

(b)        The Mortgage and Mortgage Note reflect the permanent payment terms rather than the payment terms of the Buydown Agreement. The Buydown Agreement provides for the payment by the Mortgagor of the full amount of the Monthly Payment on any Due Date that the Buydown Funds are not available. The Buydown Funds were not used to reduce the original principal balance of the Mortgage Loan or to increase the Appraised Value of the Mortgaged Property when calculating the Loan-to-Value Ratios for purposes of this Agreement and, if the Buydown Funds were provided by the Seller and if required under Agency Guidelines, the terms of the Buydown Agreement were disclosed to the appraiser of the Mortgaged Property;

(c)        The Buydown Funds may not be refunded to the Mortgagor unless the Mortgagor makes a principal payment for the outstanding balance of the Mortgage Loan; and

(d)        As of the date of origination of the Mortgage Loan, the provisions of the related Buydown Agreement complied with the requirements of FNMA and FHLMC regarding buydown agreements.

(xxx)     The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of fixed rate mortgage loans in the case of Fixed Rate Mortgage Loans, and adjustable rate mortgage loans in the case of Adjustable Rate Mortgage Loans and rescission materials with respect to Refinanced Mortgage Loans, and such statement is and will remain in the Mortgage File;

(xxxi)    No Mortgage Loan was made in connection with (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or, exchange of a Mortgaged Property;

(xxxii)   The Seller has no knowledge of any circumstances or condition with respect to the Mortgage, the Mortgaged Property, the Mortgagor or the Mortgagor's credit standing that can reasonably be expected to cause the Mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or, adversely affect the value of the Mortgage Loan;

(xxxiii)   Each Mortgage Loan with an LTV at origination in excess of 80% is and will be subject to a Primary Insurance Policy, issued by a Qualified Insurer, which insures that 

 

portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property required by FNMA. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid, Any Mortgage subject to any such Primary Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium;

(xxxiv) The Mortgaged Property is lawfully occupied under applicable law; all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities. No improvement located on or being part of any Mortgaged Property is in violation of any applicable zoning and subdivision law, ordinance or regulation;

(xxxv)   No error; omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of any person, including without limitation the Mortgagor, any appraiser,, any builder or- developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

(xxxvi)  The Assignment of Mortgage is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

(xxxvii) Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having (A) first lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a First Lien (as reflected on the Mortgage Loan Schedule), or (B) second lien priority with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan (as reflected on the Mortgage Loan Schedule), in either case, by a title insurance policy, an endorsement to the policy insuring the mortgagee's consolidated interest or by other title evidence
acceptable to FNMA and FHLMC The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;

(xxxvii)  No Mortgage Loan has a balloon payment feature;

(xxxix)   lf the Residential Dwelling on the Mortgaged Property is a condominium unit or a unit in a planned unit development (other than a de minimis planned unit development) such condominium or- planned unit development project meets the eligibility requirements of FNMA and FHLMC;

(xl)        No Mortgage Loan which is a Cash-out Refinancing was originated in the State of Texas;

 

 

(xli)       The source of the down payment with respect to each Mortgage Loan has been fully verified by the Seller;

(xlii)      Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of  twelve 30-day months;

(xliii)     The Mortgaged Property is in material compliance with all applicable environmental laws pertaining to environmental hazards including, without limitation, asbestos, and neither the Seller nor, to the Seller's knowledge, the related Mortgagor, has received any notice of any violation or, potential violation of such law;

(xliv)     No Mortgage Loan is (a) subject to the provisions of the Homeownership and Equity Protection Act of 1994, as amended ("HOEPA"), (b) a "high cost", "covered", "abusive", "predatory", "Section 10" or "high risk" mortgage loan (or- a similarly designated loan using different terminology) under any federal, state or local law, or any other statute or regulation providing assignee liability to holders of such mortgage loans, or (c) in violation of any such or comparable federal, state or local statutes or regulations. No Mortgage Loan is a high cost loan or a covered loan, as applicable (as such terms are defined in the current version of Standard & Poor's LEVELS® Glossary Revised, Appendix E as of the related Closing Date);

(xlv)      No predatory, abusive or deceptive lending practices, including but not limited to, the extension of credit to a mortgagor without regard for the mortgagor's ability to repay the Mortgage Loan and the extension of credit to a mortgagor which has no apparent benefit to the mortgagor, were employed in connection with the origination of the Mortgage Loan;

(xlvi)     None of the proceeds of the Mortgage Loan were used to finance the purchase of single premium credit life or disability insurance policies or any comparable insurance;

(xlvii)    The Mortgage Loans were not selected from the outstanding fixed rate one to four-family mortgage loans in the Seller's portfolio at the related Closing Date as to which the representations and warranties set forth in this Agreement could be made in a manner so as to affect adversely the interests of the Purchaser;

(xlviii)    The Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the mortgagee thereunder;

(xlix)     The Mortgage Loan complies with all applicable consumer, credit statutes and regulations, including, without limitation, the respective Uniform Consumer Credit Code laws in effect in Colorado, Idaho, Indiana, Iowa, Kansas, Maine, Oklahoma, South Carolina, Utah and Wyoming, has been originated by a properly licensed entity, and in all other respects, complies with all of the material requirements of any such applicable laws;

(l)         The information set forth in the Prepayment Charge Schedule is complete, true and correct in all material respects and each Prepayment Charge is permissible, enforceable and collectable under applicable federal and state law;

 

 

(li)         The Mortgage Loan was not prepaid in full prior to the Closing Date and the Seller, has not received notification from a Mortgagor that a prepayment in full shall be made after the Closing Date;

(lii)        The seller has no knowledge of any circumstances or condition with respect to the Mortgage, the mortgaged property, the Mortgagor or the Mortgagor's credit standing that can be reasonably be expected to cause the mortgage Loan to be an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value of the Mortgage Loan;

(liii)       No Mortgage Loan is a "home loan" under the Georgia Fair Lending Act, or each Mortgage Loan secured by a mortgaged property located in the State of Georgia was originated after March 7, 2003;

(liv)       No Mortgage Loan is secured by cooperative housing, commercial property or mixed use property; and

(xlxv)    Each Mortgage Loan is eligible for sale in the secondary market or for inclusion in a Pass-Through Transfer without unreasonable credit enhancement.

(lvi)       With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule. The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office;

(lvii)      With respect to each MOM Loan, Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MFRS;

(lviii)     With respect to each Mortgage Loan which is a Second Lien, (i) the related first lien does not permit negative amortization, and (ii) either no consent for, the Mortgage Loan is required by the holder of the first lien or such consent has been obtained and is contained in the Mortgage File;

(lix)       The Mortgaged Property is located in the state identified in the related Mortgage Loan Schedule and is improved by a Residential Dwelling;

(lx)        No Mortgage Loan had an original term to maturity of more than thirty (30) years;

(lxi)       The Mortgage Loan Documents with respect to each Mortgage Loan subject to Prepayment Charges specifically authorizes such Prepayment Charges to be collected, such Prepayment Charges are permissible and enforceable in accordance with the terms of the related Mortgage Loan Documents and all applicable federal, state and local laws (except to the extent that the enforceability thereof may be limited by bankruptcy, insolvency, moratorium, receivership and other similar laws relating to creditors' rights generally or the collectability thereof may be limited due to acceleration in connection with a foreclosure) and each 

 

Prepayment Charge was originated in compliance with. all applicable federal, state and local laws;

(lxii)      The Seller has complied with all applicable anti-money laundering laws and regulations, including without limitation the USA Patriot Act of 2001 (collectively, the "Anti-Money Laundering Laws").. The Seller has established an anti-money laundering compliance program as required by the Anti-Money. Laundering Laws, has conducted the requisite due diligence in connection with the origination of each Mortgage Loan for purposes of the Anti-Money Laundering Laws, including with respect to the legitimacy of the applicable Mortgagor and the origin of the assets used by the said Mortgagor to purchase the property in question, and maintains, and will maintain, sufficient information to identify the applicable Mortgagor for purposes of the Anti-Money Laundering Laws; no Mortgage Loan is subject to nullification pursuant to Executive Order 13224 (the
"Executive Order") or the regulations promulgated by the Office of Foreign Assets Control of the United States Department of the Treasury (the "OFAC Regulations") or in violation of the Executive Order or the OFAC Regulations, and no Mortgagor is subject to the provisions of such Executive Order or the OFAC Regulations nor listed as a "blocked person" for purposes of the OFAC Regulations;

(lxiii) The sale or transfer of the Mortgage Loan by the Seller complies with all applicable federal, state, and local laws, rules, and regulations governing such sale or transfer, including, without limitation, the Fair and Accurate Credit Transactions Act ("FACT Act") and the Fair Credit Reporting Act, each as may be amended from time to time, and the Seller has not received any actual or constructive notice of any identity theft, fraud, or other misrepresentation in connection with such Mortgage Loan or any party thereto;

(lxiv) Each Mortgage Loan constitutes a "qualified mortgage" under Section 860G(a)(.3)(A) of the Code and Treasury Regulation Section 1, 860G-2(a)(I);

(lxv)      The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (xi) above;

 

(lxvi) The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature;

(lxvii) Each original Mortgage was recorded and all subsequent assignments of the original Mortgage (other than the assignment to the Purchaser) have been recorded, or, are in the process of being recorded, in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of the Seller. As to any Mortgage Loan which is not a MERS Mortgage Loan, the Assignment of Mortgage is in recordable form (except for- the name of the assignee which is blank) and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

(lxviii)    Each Mortgage Loan originated in the state of Texas pursuant to Article XVI, Section 50(a)(6) of the Texas Constitution (a "Texas Refinance Loan") has been originated in compliance with the provisions of Article XVI, Section 50(a)(6) of the Texas Constitution, Texas Civil Statutes and the Texas Finance Code. With respect to each Texas Refinance Loan 

 

that is a Cash Out Refinancing, the related Mortgage Loan Documents state that the Mortgagor may prepay such Texas Refinance Loan in whole or- in part without incurring a Prepayment Charge. The Seller, does not collect any such Prepayment Charges in connection with any such Texas Refinance Loan;

(lxix)     The Seller shall, at its own expense, cause each Mortgage Loan to be covered by a "life of loan" Tax Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or its designee; provided however, that if the Seller fails to purchase such Tax Service Contract, the Seller shall be required to reimburse the Purchaser for all costs and expenses incurred by the Purchaser in connection with the purchase of any such Tax Service Contract;

(lxx)      Each Mortgage Loan is covered by a "life of loan" Flood Zone Service Contract which is assignable to the Purchaser or its designee at no cost to the Purchaser or, its designee or, for- each Mortgage Loan not covered by such Flood Zone Service Contract, the Seller agrees to purchase such Flood Zone Service Contract;

(lxxi) Each Mortgage Loan has a valid and original Credit Score, with a minimum Credit Score as set forth in the related Confirmation;

(lxxii)    No Mortgage Loan originated or modified on or after October, 1, 2002 and prior to March 7, 2003 is secured by a Mortgaged Property located in the State of Georgia;

(Ixxiii)   No Mortgage Loan is a "manufactured housing loan" pursuant to the NJ Act, and one hundred percent of the amount financed of any purchase money Second Lien Mortgage Loan subject to the NJ Act was used for the purchase of the related Mortgaged Property;

(lxxiv) With respect to any Mortgage Loan for which a Mortgage loan application was submitted by the Mortgagor- after April 1, 2004, no such Mortgage Loan secured by a Mortgage Property located in the State of Illinois is in violation of the provisions of the Illinois Interest Act, including Section 4, 1 a which provides that no such Mortgage Loan with a Mortgage Interest Rate in excess of 8.0% per annum has lender-imposed fees (or other charges) in excess of 3 "0% of the original principal balance of the Mortgage Loan;

(lxxv) No Mortgage Loan is secured in whole or in part by the interest of the Mortgagor as a lessee under a ground lease of the related Mortgaged Property;

(lxxvi) No Mortgage Loan secured by a Mortgaged Property located in the Commonwealth of Massachusetts was made to pay off or refinance an existing loan or other debt of the related borrower (as the term "borrower" is defined in the regulations promulgated by the Massachusetts Secretary of State in connection with Massachusetts House Bill 4880 (2004)) unless either, (1) (a) the related Mortgage Interest Rate (that would be effective once the introductory rate expires, with respect to Adjustable Rate Mortgage Loans) did or would not exceed by more than 2.25% the yield on United States Treasury securities having comparable periods of maturity to the maturity of the related Mortgage Loan as of the fifteenth day of the month immediately preceding the month in which the application for the extension of credit was received by the related lender or- (b) the Mortgage Loan is an "open-end home loan" (as such 

 

term is used in the Massachusetts House Bill 4880 (2004)) and the related Mortgage Note provides that the related Mortgage Interest Rate may not exceed at any time the Prime rate index as published in The Wall Street Journal plus a margin of one percent, or (2) such Mortgage Loan is in the "borrower's interest," as documented by a "borrower's interest worksheet" for the particular Mortgage Loan, which worksheet incorporates the factors set forth in Massachusetts House Bill 4880 (2004) and the regulations promulgated thereunder for determining "borrower's interest," and otherwise complies in all material respects with the laws of the Commonwealth of Massachusetts;

(lxxvii)   The Mortgagor has not made or- caused to be made any payment in the nature of an "average" or "yield spread premium" to a mortgage broken or a like Person which has not been fully disclosed to the Mortgagor;

(lxxviii)  [Reserved];

(lxxix)  With respect to any Mortgage Loan that contains a provision permitting imposition of a Prepayment Charge upon a Principal Prepayment prior to maturity: (i) prior to the Mortgage Loan's origination, the Mortgagor, agreed to such Prepayment Change iii exchange for a monetary benefit, including but not limited to a Mortgage Interest Rate or- fee reduction, (ii) prior to the Mortgage Loan's origination, the Mortgagor was offered the option of obtaining a Mortgage Loan that did not require payment of a Prepayment Charge, (iii) the Prepayment Charge is disclosed to the Mortgagor in the Mortgage Loan Documents pursuant to applicable state and federal law, (iv) for Mortgage Loans originated on or after September 1, 2004, the duration of the prepayment period shall not exceed three (3) years from the date of the Mortgage Note, unless the Mortgage Loan was modified to reduce the prepayment
period to no more than three years from the date of the Mortgage Note and the Mortgagor was notified in writing of such reduction in the prepayment period, (v) no Mortgage Loan originated prior to October 1, 2002 has a Prepayment Charge longer than five years (vi) notwithstanding any state or federal law to the contrary, the Seller shall not impose such Prepayment Charge in any instance when the Mortgage debt is accelerated as the result of the Mortgagor's default in making the Monthly Payments; Each Prepayment Charge is permissible, collectable and enforceable.

(lxxx)    No predatory, abusive or deceptive lending practices, including but not limited to, the extension of credit to a Mortgagor without regard for the Mortgagor's ability to repay the Mortgage Loan and the extension of credit to a Mortgagor which has no tangible net benefit to the Mortgagor, were employed in connection with the origination of the Mortgage Loan" Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of FNMA's Selling Guide. No Mortgagor was encouraged or required to select a Mortgage Loan product offered by the Mortgage Loan's originator which is a higher cost product designed for less creditworthy borrowers, unless at the time of the Mortgage Loan's origination, such Mortgagor did not qualify taking into account credit history and debt to income ratios for a lower cost credit product then offered
by the Mortgage Loan's originator or any affiliate of the Mortgage Loan's originator. If, at the time of the related loan application, the Mortgagor, may have qualified for- a lower cost credit product then offered by any mortgage lending affiliate of the Mortgage Loan's originator, the Mortgage Loan's originator referred the Mortgagor's application to such affiliate for underwriting consideration;

 

 

(lxxxi)   The methodology used in underwriting the extension of credit for each Mortgage Loan employs objective mathematical principles which relate the Mortgagor's income, assets and liabilities to the proposed payment and such underwriting methodology does not rely on the extent of the Mortgagor's equity in the collateral as the principal determining factor in approving such credit extension, Such underwriting methodology confirmed that at the time of origination (application/approval) the Mortgagor had a reasonable ability to make timely payments on the Mortgage Loan;

(lxxxii)   All points, fees and charges, including finance charges (whether, or not financed, assessed, collected or to be collected), in connection with the origination and servicing of each Mortgage Loan were disclosed in writing to the related Mortgagor in accordance with applicable state and federal law and regulation.. Except in the case of a Mortgage Loan in an original principal amount of less than $60,000 which would have resulted in an unprofitable origination, no related Mortgagor was charged "points and fees" (whether or not financed) in an amount greater than 5% of the principal amount of such loan, such 5% limitation is calculated in accordance with FNMA's anti-predatory lending requirements as set forth in the FNMA Selling Guide;

(lxxxiii)  The Seller will transmit full-file credit reporting data for each Mortgage Loan pursuant to Fannie Mae Guide Announcement 95-19 and for each Mortgage Loan, Seller agrees it shall report one of the following statuses each month as follows: new origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or, charged-off;

(lxxxiv)  No Mortgagor was required to purchase any credit life, disability, accident or health insurance product or debt cancellation agreement as a condition of obtaining the extension of credit. No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance policy in connection with the origination of the Mortgage Loan, and no proceeds from any Mortgage Loan were used to finance single-premium credit insurance policies or debt cancellation agreements as part of the origination of; or as a condition to closing, such Mortgage Loan;

(lxxxv)   The Seller and any predecessor servicer has fully furnished, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its born-over credit files to Equifax, Experian and Trans Union Credit Information Company (three of the credit repositories) on a monthly basis; and the Seller will fully furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Credit Information Company (three of the credit repositories), on a monthly basis;

(lxxxvi) With respect to each Mortgage Loan, neither the related Mortgage nor the related Mortgage Note requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction; No Mortgagor, agreed to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction; and

 

 

(lxxxvii) The Seller, has no knowledge of any condition or circumstance relating to such Mortgage Loan that would indicate that the current Appraised Value of the Mortgaged Property is less than the Appraised Value at the origination of such Mortgage Loan.

 

 

EXHIBIT J

 

Representation and Warranties with Respect to the CitiMortgage Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the CitiMortgage Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit J shall have the meanings ascribed to them in the CitiMortgage Servicing Agreement.

 

	
            (i)
 	
            The information set forth on the Mortgage Loan Schedule and the magnetic tape or diskette delivered to Purchaser by Seller is complete, true and correct;
 
	
            (ii)
 	
            The Mortgage Note and the Mortgage have not been assigned or pledged, and Seller has good and marketable title thereto, and Seller is the sole owner and holder of the Mortgage Loan free and clear of any and all liens, claims, encumbrances, participation interests, equities, pledges, charges or security interests of any nature and has full right and author­ity, subject to no interest or participation of, or agreement with, any other party, to sell and assign the same pursuant to this Agreement;
 
	
            (iii)
 	
            The Mortgage is a valid, enforceable and subsisting first lien on the property therein described, and the Mortgaged Property is free and clear of any and all adverse claims, encumbrances and liens having priority over the first lien of the Mort­gage except for (i) liens for current real estate taxes and special assessments not yet due and payable, (ii) covenants, conditions and restrictions, rights of way, easements and other matters of public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender's title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, and (iii) other matters to which like properties are commonly subject which do not materially
interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property.  Any security agreement, chattel mortgage or equivalent document related to the Mortgage Loan and delivered to Purchaser establishes in Seller a valid, enforceable and sub­sisting first lien and first priority security interest with respect to each first lien Mortgage Loan on the property described therein, and Seller has full right to sell and assign the same to Purchaser.  The Mortgaged Property was not, as of the date of origination of the Mortgage Loan, subject to a mortgage, deed of trust, deed to secure debt or other security instrument creating a lien subordinate to the lien of the Mortgage;
 
	
            (iv)
 	
            Except to the extent of a discharge Chapter 7, the terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by a written instrument which has been recorded in the appropriate public recording office, if required by law, or, if necessary, to protect the interest of Purchaser and which have been delivered to Purchaser.  The substance of any such alteration or modification is reflected on the Mortgage Loan Schedule and 
 

 

has been approved by the issuer of any related Primary Mortgage Insurance Policy, if any, and the title insurer, to the extent required by the related policy;

	
            (v)
 	
            Except to the extent of a discharge Chapter 7, no instrument of release, alteration, modification or waiver has been executed in connection with the Mortgage Loan, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement which has been approved by the issuer of any Private Mortgage Insurance Policy, if any, and the title insurer, to the extent required by the related policy, and except such Mortgage Loan which contains in the related Mortgage File, as set forth on the related Mortgage Loan Schedule, evidence of a release or waiver or an assumption agreement discharging the original borrower from all of the debt obligations in connection with the related Mortgage Loan and providing for the assumption of all such debt obligations by the party assuming the obligations under the
Mortgage Loan and, in each case, terms of which are reflected in the Mortgage Loan Schedule;
 
	
            (vi)
 	
            All taxes, governmental assessments, insurance premiums, water, sewer and municipal charges, leasehold payments or ground rents which previously became due and owing have been paid, or an escrow of funds has been established in an amount sufficient to pay for every such item which remains unpaid and which has been assessed but is not yet due and payable and except as permitted in clause (l), there are no defaults in complying with the terms of the Mortgage.  Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds by a party other than the Mortgagor, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage, except for interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage proceeds, whichever is greater, to the day
which precedes by one month the Due Date of the first installment of principal and interest;
 
	
            (vii)
 	
            The Mortgaged Property is free of material damage and waste and there is no proceeding pending or threatened for the total or partial condemnation of the Mortgaged Property, nor is such a proceeding currently occurring, and such property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty, so as to affect materially and adversely the value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended;
 
	
            (viii)
 	
            There are no mechanics' or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the Mortgaged Property which are, or may be, liens prior or equal to, or coordinate with, the lien of the related Mortgage unless such lien is insured under the related title insurance policy;
 
	
            (ix)
 	
            All improvements which were included for the purpose of determining the Appraised Value of the Mortgaged Property lie wholly within the boundaries and building restriction lines of the Mortgaged Property and, to Seller's knowledge, no improvements on adjoining properties encroach upon the Mortgaged Property 
 

 

(other than minor encroachments (i) which do not affect the value of the Mortgage Loan or the Purchaser’s interest therein and (ii) to which properties similar to the Mortgaged Property within the same jurisdiction are commonly subject and which do not interfere with the benefits of the security intended to be provided by the related Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property).  Each appraisal has been performed in accordance with the provisions of Title XI of FIRREA and the regulations promulgated thereunder;

	
            (x)
 	
            No improvement located on or being part of the Mortgaged Property is in violation of any applicable zoning law or regulation and all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certif­icates, have been made or obtained from the appropriate authorities and the Mortgaged Property is lawfully occupied under applicable law;
 
	
            (xi)
 	
            All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) (i) in compliance with any and all applicable licensing requirements of the laws of the state wherein the Mortgaged Property is located, and (ii) either (1) organized under the laws of such state, or (2) qualified to do business in such state, or (3) federal savings and loan associations, federal savings banks or national banks having authorized offices in such state, or (4) not doing business in such state;
 
	
            (xii)
 	
            Unless otherwise disclosed in the Commitment Letter, all Monthly Payments due prior to the related Cut-off Date for such Mortgage Loan have been made by the related Closing Date and no Monthly Payment due under any Mortgage Loan has been more than thirty (30) days due past the related Due Date, exclusive of any grace period, within the prior twelve months prior to the Cut-off Date.  The Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage; 
 
	
            (xiii)
 	
            The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, release, cancellation, subordination or rescission, except in connection with an assumption agreement which has been delivered to the Purchaser; and any such release is reflected on the Mortgage Loan Schedule;
 
	
            (xiv)
 	
            The Mortgage File contains each of the documents and instruments specified to be included therein duly executed and in due and proper form, and each such document or instrument is in form acceptable to Fannie Mae or Freddie Mac, and 
 

 

each Mortgage Note, Mortgage, and appraisal are on forms acceptable to Fannie Mae or Freddie Mac;

	
            (xv)
 	
            The Mortgage Note and the related Mortgage are genuine, and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization or other similar laws relating to or affecting the enforcement of creditors' rights and by general principles of equity.  All parties to the Mortgage Note and the Mort­gage had legal capacity to execute the Mortgage Note and the Mortgage, and each Mortgage Note and Mortgage have been duly and properly executed by such parties;
 
	
            (xvi)
 	
            Any and all requirements of any federal, state or local law including, without limitation, usury, truth-in-lending, real estate settlement procedures, consumer credit protection, predatory and abusive lending, equal credit opportunity or disclo­sure laws applicable to the originating or servicing of the Mortgage Loans have been complied with and the consummation of the transactions contemplated hereby will not involve the violation of any such laws;
 
	
            (xvii)
 	
            The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor, there is no requirement for future advances thereunder and any and all requirements as to comple­tion of any on-site or off-site improvements and as to disbursements of any escrow funds therefor have been complied with.  All costs, fees and expenses incurred in making or closing Mortgage Loans and the recording of the Mortgage were paid and the Mortgagor is not entitled to any refund of any amounts paid or due under the Mortgage Note or Mortgage;
 
	
            (xviii)
 	
            Any future advances made prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured princi­pal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mort­gage Loan Schedule.  The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the Mortgagee's consolidated interest or by other title evidence acceptable to Fannie Mae or Freddie Mac. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;
 
	
            (xix)
 	
            All improvements upon the Mortgaged Property are insured by a Qualified Insurer against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of Section 10.15 hereof.  All individual insurance policies (collectively, the "hazard insurance policy") are in full force and effect and are the valid and binding obligation of the insurer and contain a standard mortgagee clause naming Seller, its successors and assigns, as mortgagee.  All premiums thereon have been paid.  If the Mortgaged Property is in an area identified in the Federal Register by the Federal Emergency 
 

 

Management Agency as having special flood hazards (and such flood insurance has been made available) Seller will cause to be maintained a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration with an insurance carrier acceptable to Fannie Mae and Freddie Mac, in an amount representing coverage not less than the least of (i) the outstanding principal balance of the Mortgage Loan, (ii) the full insurable value of the Mortgaged Property, or (iii) the maximum amount of insurance available under the Flood Disaster Protection Act of 1973, as amended.  The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor's cost and expense, and upon the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's cost and expense and to seek
reimbursement therefor from the Mortgagor;

	
            (xx)
 	
            There is no default, breach, violation or event of acceleration existing under the Mortgage or the related Mortgage Note and, to Seller's knowledge, no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, viola­tion or event of acceleration; and Seller has not waived any default, breach, violation or event of acceleration;
 
	
            (xxi)
 	
            The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including, without limitation, the defense of usury, nor will the operation of any of the terms of the Mortgage Note or the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counter­claim or defense, including the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto; and unless otherwise disclosed in the Commitment Letter, the Mortgagor is not  and was not at the time the Mortgage Loan was originated, a debtor in any state or federal bankruptcy or insolvency proceeding;
 
	
            (xxii)
 	
            No Mortgage Loan has an LTV greater than 100%.  If a Mortgage Loan has an LTV greater than 80%, the excess of the principal balance of the Mortgage Loan over 75% of the Appraised Value, with respect to a Refinanced Mortgage Loan, or the lesser of the Appraised Value or the purchase price of the Mortgaged Property, with respect to a purchase money Mortgage Loan, is insured as to payment defaults by a Primary Mortgage Insurance Policy issued by a Qualified Insurer.  All provisions of such Primary Mortgage Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid.  No action, inaction, or event has occurred and no state of facts exists that has, or will result in the exclusion from, denial of, or defense to coverage.  Any Mortgage Loan subject to a
Primary Mortgage Insurance Policy obligates the Mortgagor thereunder to maintain the Primary Mortgage Insurance Policy and to pay all premiums and charges in connection therewith until such time as applicable law allows the termination of such insurance. The mortgage interest rate for the Mortgage Loan as set forth on the Mortgage Loan Schedule is net of any such insurance premium;
 

 

 

 

	
            (xxiii)
 	
            The Mortgage Note is not secured by any collateral, pledged account or other security except the lien of the corresponding Mortgage and the security interest of any applicable security agreement or chattel mortgage referred to in Section 6.01(c);
 
	
            (xxiv)
 	
            The Mortgage and related Mortgage Note contain customary and enforceable provisions which render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (i) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (ii) otherwise by judicial foreclosure, subject only to rights of redemption, seizure and other laws that would not materially interfere with the ultimate realization of the benefits of the security.  The Mortgagor has not notified the Seller and the Seller has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act;
 
	
            (xxv)
 	
            No fraud, error, omission, misrepresentation, negligence or similar occurrence with respect to a Mortgage Loan has taken place on the part of Seller or the Mortgagor or, to the best of Seller’s knowledge, any other party involved in the origination of the Mortgage Loan;
 
	
            (xxvi)
 	
            As to Mortgage Loans that are not Co-op Loans, the Mortgaged Property is located in the state identified in the Mortgage Loan Schedule and consists of a single parcel of real property with a detached single family residence erected thereon, or a townhouse, or a two-to four-family dwelling, or an individual condominium unit in a condominium project, or an individual unit in a planned unit development or a de minimis planned unit development, provided, however, that no residence or dwelling is a single parcel of real property with a cooperative housing corporation erected thereon, or a mobile home.  As of the date of origination, no portion of the Mortgaged Property was used for commercial purposes, and since the date of origination no portion of the Mortgaged Property has been used for commercial purposes.  If the Mortgaged Property is a condominium unit or a
planned unit development (other than a de minimis planned unit development), or stock in a cooperative housing corporation, such condominium, cooperative or planned unit development project meets the 
 

Seller’s eligibility requirements as set forth in the Underwriting Standards or as may otherwise be set forth and agreed to in the related Commitment Letter; 

	
            (xxvii)
 	
            There exist no deficiencies with respect to escrow deposits and payments, if such are required, for which customary arrangements for repayment thereof have not been made, and, to Seller's knowledge, no escrow deposits or payments of other charges or payments due Seller have been capital­ized under the Mortgage or the related Mortgage Note;
 
	
            (xxviii)
 	
            The origination, collection and servicing practices used by Seller with respect to the Mortgage Note and Mortgage have been in all respects legal and customary in the mortgage servicing business;
 

 

 

 

	
            (xxix)
 	
            Each Mortgage Loan that is not Co-op Loan is covered by an ALTA or CLTA mortgage title insurance policy acceptable to Fannie Mae or Freddie Mac, or such other generally acceptable form of policy or insurance, issued by and the valid and binding obligation of a Qualified Insurer, insuring Seller, its successors and assigns, as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and against any loss by reason of the invalidity or unenforceability of the lien resulting from the provisions of the Mortgage.  Such mortgage title insurance policy insures Seller, its successors and assigns as mortgagee and the assignment to Purchaser of Seller's interest in such mortgage title insurance policy does not require the consent of or notification to the insurer, such mortgage title insurance policy
is in full force and effect and will be in full force and effect and inure to the benefit of Purchaser upon the consummation of the trans­actions contemplated by this Agreement.  No claims have been made under such mortgage title insurance policy and, to Seller's knowledge, no prior holder of the related Mortgage, including Seller, has done, by act or omission, anything which would impair the coverage of such mortgage title insurance policy;
 
	
            (xxx)
 	
            Except with respect to Interest Only Mortgage Loans, principal payments on the Mortgage Loan commenced no more than sixty (60) days after the proceeds of the Mortgage Loan were disbursed.  The Mortgage Loan bears interest at the Mortgage Interest Rate.  With respect to each Mortgage Loan, the Mortgage Note has an original term of not more than thirty (30) years and is payable on the first day of each month; provided, however, in the case of a balloon Mortgage Loan, the Mortgage Loan matures at least five (5) years after the first payment date thereby requiring a final payment of the outstanding principal balance prior to the full amortization of the Mortgage Loan.  Except with respect to Interest Only Mortgage Loans, the Monthly Payments will fully amortize the Stated Principal Balance of the Mortgage Loan over its remaining term
at the Mortgage Interest Rate.  The Mortgage Note does not permit negative amortization.  The Monthly Payment on each Interest Only Mortgage Loan during the related interest-only period is equal to the product of the related Mortgage Interest Rate and the principal balance of such Mortgage Loan on the first day of each month and after such interest-only period, except with respect to Interest Only Mortgage Loans that are Adjustable Rate Mortgage Loans, such Mortgage Loan is payable in equal monthly installments of principal and interest;
 
	
            (xxxi)
 	
            No Mortgage Loan is classified as a “high cost” mortgage loan under the Home Ownership and Equity Protection Act of 1994, as amended, nor is any Mortgage Loan a “high cost home,” “covered,” “high risk home” or “predatory” loan under any applicable state, federal or local law (or a similarly classified loan using different terminology under an applicable law imposing heightened regulatory scrutiny or additional legal liability for residential mortgage loans having high interest rates, points and/or fees);
 
	
            (xxxii)
 	
            Each Mortgage Loan is a “qualified mortgage” within Section 860G(a)(3) of the Code;
 

 

 

 

	
            (xxxiii)
 	
            With respect to each Mortgage Loan for which the Underwriting Standards require an appraisal to be performed in connection with the origination thereof, the Mortgage File contains an appraisal of the related Mortgaged Property made and signed, prior to the approval of the Mortgage Loan application, by a Qualified Appraiser;
 
	
            (xxxiv)
 	
            If the Mortgage constitutes a deed of trust, a trustee, authorized and duly qualified if required under applicable law to act as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses, except as may be required by local law, are or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale or attempted sale after default by the Mortgagor;
 
	
            (xxxv)
 	
            No Mortgage Loan contains “graduated payment,” “shared appreciation” or other contingent interest features; to the extent any Mortgage Loan (as identified on the Mortgage Loan Schedule) contains any buydown provision, such buydown funds have been maintained and administered in accordance with, and such Mortgage Loan otherwise complies with, Fannie Mae and Freddie Mac requirements relating to buydown loans;
 
	
            (xxxvi)
 	
            The Mortgagor has received all disclosure materials required by applicable law with respect to the making of such mortgage loans;
 
	
            (xxxvii)
 	
            No Mortgage Loan was made for the purpose of (a) the construction or rehabilitation of a Mortgaged Property or (b) facilitating the trade-in or exchange of a Mortgaged Property;
 
	
            (xxxviii)
 	
            All information supplied by, on behalf of, or concerning the Mortgagor is true, accurate and complete and does not contain any statement that is or will be inaccurate or misleading in any material respect;
 
	
            (xxxix)
 	
            The Assignment of Mortgage is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;
 
	
            (xl)
 	
            With respect to each Mortgage Loan that contains a Prepayment Penalty, such Prepayment Penalty is enforceable and will be enforced by Seller, and such Prepayment Penalty is permitted pursuant to federal, state and local law.  No Mortgage Loan originated on or after October 1, 2002 imposes a Prepayment Penalty for a term in excess of three years, and no Mortgage Loan originated prior to October 1, 2002 imposes a Prepayment Penalty in excess of five years;  Except as otherwise set forth on the Mortgage Loan Schedule, with respect to each Mortgage Loan that contains a Prepayment Penalty, such Prepayment Penalty is at least equal to the lesser of (A) the maximum amount permitted under applicable law and (B) six months interest at the related Mortgage Interest Rate on the amount prepaid in excess of 20% of the original principal
balance of such Mortgage Loan;
 

 

 

 

	
            (xli)
 	
            Any principal advances made to the Mortgagor prior to the Cut-off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term.  The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to Fannie Mae and Freddie Mac.  The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan;
 
	
            (xlii)
 	
            No Mortgagor was required to purchase any credit life, disability, accident or health insurance  product as a condition of obtaining the extension of credit.  No Mortgagor obtained a prepaid single premium credit life, disability, accident or health insurance policy or debt cancellation agreement as a condition of obtaining the extension of credit or in connection the with the origination of the Mortgage Loan.  No proceeds from any Mortgage Loan were used to purchase single premium credit insurance policies as part of the origination of, or as a condition to closing, such Mortgage Loan;
 
	
            (xliii)
 	
            Each Mortgage Loan has been serviced in all material respects in compliance with Customary Servicing Procedures;
 
	
            (xliv)
 	
            With respect to each Co-op Loan, the related Mortgage is a valid, enforceable and subsisting first security interest on the related cooperative shares securing the related cooperative note, subject only to (a) liens of the cooperative for unpaid assessments representing the Mortgagor’s pro rata share of the cooperative’s payments for its blanket mortgage, current and future real property taxes, insurance premiums, maintenance fees and other assessments to which like collateral is commonly subject and (b) other matters to which like collateral is commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Security Agreement.  There are no liens against or security interest in the cooperative shares relating to each Co-op Loan (except for unpaid maintenance,
assessments and other amounts owed to the related cooperative which individually or in the aggregate will not have a material adverse effect on such Co-op Loan), which have priority over Seller’s security interest in such cooperative shares;
 
	
            (xlv)
 	
            With respect to each Co-op Loan, a search for filings of financing statements has been made by a company competent to make the same, which company is acceptable to Fannie Mae and qualified to do business in the jurisdiction where the cooperative unit is located, and such search has not found anything which would materially and adversely affect the Co-op Loan;
 
	
            (xlvi)
 	
            With respect to each Co-op Loan, the related cooperative corporation that owns title to the related cooperative apartment building is a “cooperative housing corporation” within the meaning of Section 216 of the Code, and is in material 
 

 

compliance with applicable federal, state and local laws which, if not complied with, could have a material adverse effect on the Mortgaged Property;

	
            (xlvii)
 	
            With respect to each Co-op Loan, there is no prohibition against pledging the shares of the cooperative corporation or assigning the Co-op Lease;
 
	
            (xlviii)
 	
            The Mortgage Loan was originated by a Mortgagee approved by the Secretary of HUD pursuant to sections 203 and 211 of the National Housing Act, a savings and loan association, a savings bank, a commercial bank, credit union, insurance company or similar institution which is supervised and examined by a federal or state authority;
 
	
            (xlix)
 	
            With respect to any ground lease to which a Mortgaged Property may be subject: (i) a true, correct and complete copy of the ground lease and all amendments, modifications and supplements thereto is included in the Mortgage File, and the Mortgagor is the owner of a valid and subsisting leasehold interest under such ground lease; (ii) such ground lease is in full force and effect, unmodified and not supplemented by any writing or otherwise except as contained in the Mortgage File; (iii) all rent, additional rent and other charges reserved therein have been fully paid to the extent payable as of the Closing Date; (iv) the Mortgagor enjoys the quiet and peaceful possession of the leasehold estate, subject to any sublease; (v) the Mortgagor is not in default under any of the terms of such ground lease, and there are no circumstances
which, with the passage of time or the giving of notice, or both, would result in a default under such ground lease; (vi) the lessor under such ground lease is not in default under any of the terms or provisions of such ground lease on the part of the lessor to be observed or performed; (vii) the lessor under such ground lease has satisfied any repair or construction obligations due as of the Closing Date pursuant to the terms of such ground lease; (viii) the execution, delivery and performance of the Mortgage do not require the consent (other than those consents which have been obtained and are in full force and effect) under, and will not contravene any provision of or cause a default under, such ground lease; (ix) the ground lease term exceeds, or is automatically renewable, for at least five years beyond the maturity date of the related Mortgage Loan; and (x) the Purchaser has the right to cure defaults on the ground lease;
 
	
            (l)
 	
            With respect to any broker fees collected and paid on any of the Mortgage Loans, all broker fees have been properly assessed to the borrower and no claims will arise as to broker fees that are double charged and for which the borrower would be entitled to reimbursement;
 
	
            (li)
 	
            With respect to any Mortgage Loan as to which an affidavit has been delivered to the Purchaser certifying that the original Mortgage Note has been lost or destroyed and not been replaced, if such Mortgage Loan is subsequently in default, the enforcement of such Mortgage Loan will not be materially adversely affected by the absence of the original Mortgage Note;
 

 

 

 

	
            (lii)
 	
            There is no pending action or proceeding directly involving the Mortgaged Property in which compliance with any environmental law, rule or regulation is an issue.  There is no violation of any environmental law, rule or regulation with respect to the Mortgaged Property; and Seller has not received any notice of any environmental hazard on the Mortgaged Property and nothing further remains to be done to satisfy in full all requirements of each such law, rule or regulation constituting a prerequisite to use and enjoyment of said property;
 
	
            (liii)
 	
            With respect to any Mortgage Loan which is a Texas Home Equity Loan, any and all requirements of Section 50, Article XVI of the Texas Constitution applicable to Texas Home Equity Loans which were in effect at the time of the origination of the Mortgage Loan have been complied with;
 
	
            (liv)
 	
            No Mortgage Loan is secured by real property or secured  by a manufactured home located in the state of Georgia unless (x) such Mortgage Loan was originated prior to October 1, 2002 or after March 6, 2003, or (y) the property securing the Mortgage Loan is not, nor will be, occupied by the Mortgagor as the Mortgagor’s principal dwelling.  No Mortgage Loan is a “High Cost Home Loan” as defined in the Georgia Fair Lending Act, as amended (the “Georgia Act”).   Each Mortgage Loan that is a “Home Loan” under the Georgia Act complies with all applicable provisions of the Georgia Act. No Mortgage Loan secured by owner occupied real property or an owner occupied manufactured home located in the State of Georgia was originated (or modified) on or after October 1, 2002 through and including March 6, 2003;

 
	
            (lv)
 	
            No Mortgage Loan is a “High Cost Loan” or “Covered Loan”, as applicable, as such terms are defined in Appendix E of the then-current Standard & Poor’s Levels( Glossary; 
 

	
            (lvi)
 	
            No Mortgage Loan is a Convertible Mortgage Loan;
 

	
            (lvii)
 	
            For each Mortgage Loan, the servicer has fully furnished, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (i.e. favorable and unfavorable) on its borrowers’ credit files to Equifax, Experian and Trans Union Credit Information Company (three of the credit repositories) on a monthly basis; 
 
	
            (lviii)
 	
            With respect to each MOM Loan, a MIN has been assigned by MERS and such MIN is accurately provided on the Mortgage Loan Schedule.  The related Assignment of Mortgage to MERS has been duly and properly recorded, or has been delivered for recording to the applicable recording office;
 
	
            (lix)
 	
            With respect to each MOM Loan, Seller has not received any notice of liens or legal actions with respect to such Mortgage Loan and no such notices have been electronically posted by MERS;
 

 

 

 

	
            (lx)
 	
            No Mortgage or Mortgage Note in connection with any Mortgage Loan originated on or after August 1, 2004 requires the Mortgagor to submit to arbitration to resolve any dispute arising out of or relating in any ay to the Mortgage Loan; and
 

	
            (lxi)
 	
            [reserved]
 

	
            (lxii)
 	
            Each Mortgage Loan is in compliance with the anti-predatory lending eligibility for purchase requirements of Fannie Mae and Freddie Mac; and
 

	
            (lxiii)
 	
            With respect to each Buydown Mortgage Loan:
 

	
            )
 	
            On or before the date of origination of such Mortgage Loan, the Seller and the Mortgagor, or the Seller, the Mortgagor and the seller of the Mortgaged Property or a third party entered into a Buydown Agreement.  The Buydown Agreement provides that the seller of the Mortgaged Property (or third party) shall deliver to the Seller temporary Buydown Funds in an amount equal to the aggregate undiscounted amount of payments that, when added to the amount the Mortgagor on such Mortgage Loan is obligated to pay on each Due Date in accordance with the terms of the Buydown Agreement, is equal to the full scheduled Monthly Payment due on such Mortgage Loan. The Buydown Period shall not exceed thirty-six months and increases shall take place in 12 month intervals.  The total annual increase may not exceed 1%
 
	
            )
 	
            The Mortgage and Mortgage Note reflect the permanent payment terms rather than the payment terms of the Buydown Agreement.  The Buydown Agreement provides for the payment by the Mortgagor of the full amount of the Monthly Payment on any Due Date that the Buydown Funds are not available.  The Buydown Funds were not used to reduce the original principal balance of the Mortgage Loan or to increase the Appraised Value of the Mortgaged Property when calculating the Loan-to-Value Ratios for purposes of this Agreement and, if the Buydown Funds were provided by the Seller and if required under the Underwriting Standards, the terms of the Buydown Agreement were disclosed to the appraiser of the Mortgaged Property; and
 
	
            )
 	
            As of the date of origination of the Mortgage Loan, the provisions of the related Buydown Agreement complied with the requirements of the Seller as set forth in the Underwriting Standards regarding buydown agreements.
 

 

 

EXHIBIT K

 

Representation and Warranties with Respect to the 2005-W82 Wells Mortgage Loans

 

Except for “Mortgage Loans”, which shall mean the 2005-W82 Wells Mortgage Loans sold by the Seller to the Purchaser, all capitalized terms in this Exhibit K shall have the meanings ascribed to them in the  2005-W82 Wells Servicing Agreement.

 

	
            (a)
 	
            Mortgage Loans as Described.
 

The information set forth in the Mortgage Loan Schedule attached hereto as Exhibits A and the information contained on the related electronic Data File attached hereto as Exhibit D, delivered to the Purchaser is true and correct;

	
            (b)
 	
            Payments Current.
 

All payments required to be made up to the Cut-off Date for the Mortgage Loan under the terms of the Mortgage Note have been made and credited. No payment under any Mortgage Loan has been 30 days delinquent more than one time within twelve months prior to the Closing Date;

	
            (c)
 	
            No Outstanding Changes.
 

There are no defaults in complying with the terms of the Mortgages, and all taxes, governmental assessments, insurance premiums, leasehold payments, water, sewer and municipal charges, which previously became due and owing have been paid, or an escrow of funds has been established in an amount sufficient to pay for every such item which remains unpaid and which has been assessed but is not yet due and payable. The Company has not advanced funds, or induced, or solicited directly or indirectly, the payment of any amount required under the Mortgage Loan, except for interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage Loan proceeds, whichever is later, to the day which precedes by one month the Due Date of the first installment of principal and interest;

	
            (d)
 	
            Original Terms Unmodified.
 

The terms of the Mortgage Note and Mortgage have not been impaired, waived, altered or modified in any respect, except by a written instrument which has been recorded or registered with the MERS System, if necessary, to protect the interests of the Purchaser and is retained by the Company in the Retained Mortgage file; the related Mortgage Note has been delivered to the Custodian. The substance of any such waiver, alteration or modification has been approved by the issuer of any related PMI Policy and the title insurer, to the extent required by the policy, and its terms are reflected on the Mortgage Loan Schedule. No Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the issuer of any related PMI Policy and the 

 

title insurer, to the extent required by the policy, and which assumption agreement is part of the Custodial Mortgage File delivered to the Custodian and the terms of which are reflected in the Mortgage Loan Schedule;

	
            (e)
 	
            No Defenses.
 

The Mortgage Loan is not subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, nor will the operation of any of the terms of the Mortgage Note or the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto;

	
            (f)
 	
            No Satisfaction of Mortgage.
 

The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, release, cancellation, subordination or rescission;

	
            (g)
 	
            Validity of Mortgage Documents.
 

The Mortgage Note and the Mortgage and related documents are genuine, and each is the legal, valid and binding obligation of the maker thereof enforceable in accordance with its terms. All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. The Company has reviewed all documents constituting the Retained Mortgage file and Custodial Mortgage File and has made such inquiries as it deems necessary to make and confirm the accuracy of the representations set forth herein;

With respect to each Cooperative Loan, the Mortgage Note, the Mortgage, the Pledge Agreement, and related documents are genuine, and each is the legal, valid and binding obligation of the maker thereof enforceable in accordance with its terms. All parties to the Mortgage Note, the Mortgage, the Pledge Agreement, the Proprietary Lease, the Stock Power, Recognition Agreement and the Assignment of Proprietary Lease had legal capacity to enter into the Mortgage Loan and to execute and deliver such documents, and such documents have been duly and properly executed by such parties;

	
            (h)
 	
            No Fraud.
 

No error, omission, misrepresentation, negligence, fraud or similar occurrence with respect to a Mortgage Loan has taken place on the part of the Company, or 

 

the Mortgagor, or to the best of the Company's knowledge, any appraiser, any builder, or any developer, or any other party involved in the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan;

	
            (i)
 	
            Compliance with Applicable Laws.
 

Any and all requirements of any federal, state or local law including, without limitation, usury, truth-in-lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, disclosure or predatory and abusive lending laws applicable to the Mortgage Loan have been complied with. All inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including, but not limited to, certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities;

	
            (j)
 	
            Location and Type of Mortgaged Property.
 

The Mortgaged Property is located in the state identified in the Mortgage Loan Schedule and consists of a contiguous parcel of real property with a detached single family residence erected thereon, or a two- to four-family dwelling, or an individual condominium unit in a condominium project, or an individual unit in a planned unit development, or a townhouse, or a Cooperative Apartment, provided, however, that any condominium project or planned unit development shall conform with the applicable Fannie Mae or Freddie Mac requirements, or the Underwriting Guidelines, regarding such dwellings, and no residence or dwelling is a mobile home. As of the respective appraisal date for each Mortgaged Property, any Mortgaged Property being used for commercial purposes conforms to the Underwriting Guidelines and, to the best of the Company's knowledge, since the date of such appraisal, no portion of
the Mortgaged Property has been used for commercial purposes outside of the Underwriting Guidelines;

	
            (k)
 	
            Valid First Lien.
 

The Mortgage is a valid, subsisting and enforceable first lien on the Mortgaged Property, including all buildings on the Mortgaged Property and all installations and mechanical, electrical, plumbing, heating and air conditioning systems located in or annexed to such buildings, and all additions, alterations and replacements made at any time with respect to the foregoing. The lien of the Mortgage is subject only to:

	
            (1)
 	
            the lien of current real property taxes and assessments not yet due and payable;
 
	
            (2)
 	
            covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording acceptable to mortgage lending institutions generally and specifically referred to in the 
 

 

lender's title insurance policy delivered to the originator of the Mortgage Loan and (i) referred to or otherwise considered in the appraisal made for the originator of the Mortgage Loan and (ii) which do not adversely affect the Appraised Value of the Mortgaged Property set forth in such appraisal; and

	
            (3)
 	
            other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property.
 

Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, subsisting and enforceable first lien and first priority security interest on the property described therein and the Company has full right to sell and assign the same to the Purchaser.

With respect to each Cooperative Loan, each Pledge Agreement creates a valid, enforceable and subsisting first security interest in the Cooperative Shares and Proprietary Lease, subject only to (i) the lien of the related Cooperative for unpaid assessments representing the Mortgagor's pro rata share of the Cooperative's payments for its blanket mortgage, current and future real property taxes, insurance premiums, maintenance fees and other assessments to which like collateral is commonly subject and (ii) other matters to which like collateral is commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Pledge Agreement; provided, however, that the appurtenant Proprietary Lease may be subordinated or otherwise subject to the lien of any mortgage on the Project;

	
            (1)
 	
            Full Disbursement of Proceeds.
 

The proceeds of the Mortgage Loan have been fully disbursed, except for escrows established or created due to seasonal weather conditions, and there is no requirement for future advances thereunder. All costs, fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage were paid, and the Mortgagor is not entitled to any refund of any amounts paid or due under the Mortgage Note or Mortgage;

	
            (m)
 	
            Consolidation of Future Advances.
 

Any future advances made prior to the Cut-off Date, have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee's consolidated interest or by other title evidence 

 

acceptable to Fannie Mae or Freddie Mac; the consolidated principal amount does not exceed the original principal amount of the Mortgage Loan; the Company shall not make future advances after the Cut-off Date;

	
            (n)
 	
            Ownership.
 

The Company is the sole owner of record and holder of the Mortgage Loans and the related Mortgage Note and the Mortgage are not assigned or pledged, and the Company has good and marketable title thereto and has full right and authority to transfer and sell the Mortgage Loan to the Purchaser. The Company is transferring the Mortgage Loan free and clear of any and all encumbrances, liens, pledges, equities, participation interests, claims, charges or security interests of any nature encumbering such Mortgage Loan;

	
            (o)
 	
            Origination/Doing Business.
 

The Mortgage Loan was originated by a savings and loan association, a savings bank, a commercial bank, a credit union, an insurance company, or similar institution that is supervised and examined by a federal or state authority or by a mortgagee approved by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act. All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) (1) in compliance with any and all applicable licensing requirements of the laws of the state wherein the Mortgaged Property is located, and (2) organized under the laws of such state, or (3) qualified to do business in such state, or (4) federal savings and loan associations or national banks having principal offices in such state,
or (5) not doing business in such state;

	
            (p)
 	
            LTV, PMI Policy.
 

Each Mortgage Loan has an LTV as specified on the Mortgage Loan Schedule. Except for Pledged Asset Mortgage Loans, if the LTV of the Mortgage Loan was greater than 80% at the time of origination, a portion of the unpaid principal balance of the Mortgage Loan is and will be insured as to payment defaults by a PMI Policy. If the Mortgage Loan is insured by a PMI Policy for which the Mortgagor pays all premiums, the coverage will remain in place until (i) the LTV decreases to 78% or (ii) the PMI Policy is otherwise terminated pursuant to the Homeowners Protection Act of 1998, 12 USC §4901, et seq. All provisions of such PMI Policy or LPMI Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. The Qualified Insurer has a claims paying ability acceptable to Fannie Mae or Freddie Mac. Any Mortgage Loan subject
to a PMI Policy or LPMI Policy obligates the Mortgagor or the Company, as applicable, to maintain the PMI Policy or LPMI Policy and to pay all premiums and charges in connection therewith. The Mortgage Interest Rate for the Mortgage Loan as set forth on the Mortgage Loan Schedule is net of any such insurance premium;

 

 

	
            (q)
 	
            Title Insurance.
 

The Mortgage Loan is covered by an ALTA lender's title insurance policy (or in the case of any Mortgage Loan secured by a Mortgaged Property located in a jurisdiction where such policies are generally not available, an opinion of counsel of the type customarily rendered in such jurisdiction in lieu of title insurance) or other generally acceptable form of policy of insurance acceptable to Fannie Mae or Freddie Mac, issued by a title insurer acceptable to Fannie Mae or Freddie Mac and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring the Company, its successors and assigns, as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan, subject only to the exceptions contained in clauses (1), (2) and (3) of Paragraph (k) of this Section 3.02, and against any loss by reason of the invalidity or unenforceability
of the lien resulting from the provisions of the Mortgage providing for adjustment to the Mortgage Interest Rate and Monthly Payment. Additionally, such lender's title insurance policy includes no exceptions regarding ingress, egress or encroachments that impact the value or the marketability of the Mortgaged Property. The Company is the sole insured of such lender's title insurance policy, and such lender's title insurance policy is in full force and effect and will be in force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender's title insurance policy, and no prior holder of the Mortgage, including the Company, has done, by act or omission, anything which would impair the coverage of such lender's title insurance policy;

	
            (r)
 	
            No Defaults.
 

There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and neither the Company nor its predecessors have waived any default, breach, violation or event of acceleration;

	
            (s)
 	
            No Mechanics' Liens.
 

There are no mechanics' or similar liens or claims which have been filed for work, labor or material (and no rights are outstanding that under the law could give rise to such liens) affecting the related Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage which are not insured against by the title insurance policy referenced in Paragraph (q) above;

	
            (t)
 	
            Location of Improvements; No Encroachments.
 

Except as insured against by the title insurance policy referenced in Paragraph (q) above, all improvements which were considered in determining the Appraised 

 

Value of the Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property and no improvements on adjoining properties encroach upon the Mortgaged Property. No improvement located on or being part of the Mortgaged Property is in violation of any applicable zoning law or regulation;

	
            (u)
 	
            Payment Terms.
 

Except with respect to the Interest Only Mortgage Loans, principal payments commenced no more than 60 days after the funds were disbursed to the Mortgagor in connection with the Mortgage Loan. The Mortgage Loans have an original term to maturity of not more than 30 years, with interest payable in arrears on the first day of each month. As to each adjustable rate Mortgage Loan on each applicable Adjustment Date, the Mortgage Interest Rate will be adjusted to equal the sum of the Index plus the applicable Gross Margin, rounded up or down to the nearest multiple of 0.125% indicated by the Mortgage Note; provided that the Mortgage Interest Rate will not increase or decrease by more than the Periodic Interest Rate Cap on any Adjustment Date, and will in no event exceed the maximum Mortgage Interest Rate or be lower than the minimum Mortgage Interest Rate listed on the Mortgage Loan Schedule for
such Mortgage Loan. As to each adjustable rate Mortgage Loan that is not an Interest Only Mortgage Loan, each Mortgage Note requires a monthly payment which is sufficient, during the period prior to the first adjustment to the Mortgage Interest Rate, to fully amortize the outstanding principal balance as of the first day of such period over the then remaining term of such Mortgage Note and to pay interest at the related Mortgage Interest Rate. As to each adjustable rate Mortgage Loan, if the related Mortgage Interest Rate changes on an Adjustment Date or, with respect to an Interest Only Mortgage Loan, on an Adjustment Date following the related interest only period, the then outstanding principal balance will be reamortized over the remaining life of such Mortgage Loan. No Mortgage Loan contains terms or provisions which would result in negative amortization;

	
            (v)
 	
            Customary Provisions.
 

The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including, (i) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (ii) otherwise by judicial foreclosure. There is no homestead or other exemption available to a Mortgagor which would interfere with the right to sell the Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage;

	
            (w)
 	
            Occupancy of the Mortgaged Property.
 

As of the date of origination, the Mortgaged Property was in good repair and was lawfully occupied under applicable law;

 

 

	
            (x)
 	
            No Additional Collateral.
 

Except in the case of a Pledged Asset Mortgage Loan and as indicated on the related Data File, the Mortgage Note is not and has not been secured by any collateral, pledged account or other security except the lien of the corresponding 

Mortgage and the security interest of any applicable security agreement or chattel mortgage referred to in Paragraph (k) above;

	
            (y)
 	
            Deeds of Trust.
 

In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are or will become payable by the Mortgagee to the trustee under the deed of trust, except in connection with a trustee's sale after default by the Mortgagor;

	
            (z)
 	
            Acceptable Investment.
 

The Company has no knowledge of any circumstances or conditions with respect to the Mortgage Loan, the Mortgaged Property, the Mortgagor or the Mortgagor's credit standing that can reasonably be expected to cause private institutional investors to regard the Mortgage Loan as an unacceptable investment, cause the Mortgage Loan to become delinquent, or adversely affect the value or marketability of the Mortgage Loan;

	
            (aa)
 	
            Transfer of Mortgage Loans.
 

If the Mortgage Loan is not a MERS Mortgage Loan, the Assignment of Mortgage, upon the insertion of the name of the assignee and recording information, is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

	
            (bb)
 	
            Mortgaged Property Undamaged.
 

The Mortgaged Property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty so as to affect adversely the value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended;

	
            (cc)
 	
            Collection Practices; Escrow Deposits.
 

The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all material respects legal and proper. With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow 

 

Payments have been collected in full compliance with state and federal law. No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage Note;

	
            (dd)
 	
            No Condemnation.
 

There is no proceeding pending or to the best of the Company's knowledge threatened for the total or partial condemnation of the related Mortgaged Property;

	
            (ee)
 	
            The Appraisal.
 

The Mortgage File include an appraisal, with the exception of any Time$aver® Mortgage Loan (which at the original origination were on form 1004 or form 2055 with interior inspections), of the related Mortgaged Property. The appraisal was conducted by an appraiser who had no interest, direct or indirect, in the Mortgaged Property or in any loan made on the security thereof; and whose compensation is not affected by the approval or disapproval of the Mortgage Loan, and the appraisal and the appraiser both satisfy the applicable requirements of Title XI of the Financial Institution Reform, Recovery, and Enforcement Act of 1989 and the regulations promulgated thereunder, all as in effect on the date the Mortgage Loan was originated;

	
            (ff)
 	
            Insurance.
 

The Mortgaged Property securing each Mortgage Loan is insured by an insurer acceptable to Fannie Mae or Freddie Mac against loss by fire and such hazards as are covered under a standard extended coverage endorsement and such other hazards as are customary in the area where the Mortgaged Property is located pursuant to insurance policies conforming to the requirements of Section 4.10, in an amount which is at least equal to the lesser of (i) 100% of the insurable value on a replacement cost basis of the improvements securing such Mortgaged Loan and (ii) the greater of (a) the outstanding principal balance of the Mortgage Loan and (b) an amount such that the proceeds thereof shall be sufficient to prevent the Mortgagor or the loss payee from becoming a co-insurer. If the Mortgaged Property is a condominium unit, it is included under the coverage afforded by a blanket policy for the project.
If the improvements on the Mortgaged Property are in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards, the Servicer shall cause to be maintained a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect with a generally acceptable insurance carrier, in an amount representing coverage not less than the least of (A) the outstanding principal balance of the Mortgage Loan, (B) the full insurable value and (C) the maximum amount of insurance which was available under the Flood Disaster Protection Act of 1973, as amended. All individual insurance policies contain a standard mortgagee clause naming the Company and its successors and assigns as mortgagee, and all premiums thereon have been paid. 

 

The Mortgage obligates the Mortgagor thereunder to maintain a hazard insurance policy at the Mortgagor's cost and expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at such Mortgagor's cost and expense, and to seek reimbursement therefor from the Mortgagor. The hazard insurance policy is the valid and binding obligation of the insurer, is in full force and effect, and will be in full force and effect and inure to the benefit of the Purchaser upon the consummation of the transactions contemplated by this Agreement. The Company has not acted or failed to act so as to impair the coverage of any such insurance policy or the validity, binding effect and enforceability thereof;

	
            (gg)
 	
            Servicemembers Civil Relief Act.
 

The Mortgagor has not notified the Company, and the Company has no knowledge of any relief requested or allowed to the Mortgagor under the Servicemembers Civil Relief Act, as amended;

	
            (hh)
 	
            No Balloon Payments, Graduated Payments or Contingent Interests.
 

The Mortgage Loan is not a graduated payment mortgage loan and the Mortgage Loan does not have a shared appreciation or other contingent interest feature. No Mortgage Loan has a balloon payment feature;

	
            (ii)
 	
            No Construction Loans.
 

No Mortgage Loan was made in connection with (i) the construction or rehabilitation of a Mortgage Property or (ii) facilitating the trade-in or exchange of a Mortgaged Property other than a construction-to-permanent loan which has converted to a permanent Mortgage Loan;

	
            (jj)
 	
            Underwriting.
 

Each Mortgage Loan was underwritten in accordance with the Underwriting Guidelines of the Company; and the Mortgage Note and Mortgage are on forms acceptable to Freddie Mac or Fannie Mae;

	
            (kk)
 	
            Buydown Mortgage Loans.
 

With respect to each Mortgage Loan that is a Buydown Mortgage Loan:

	
            (i)
 	
            On or before the date of origination of such Mortgage Loan, the Company and the Mortgagor, or the Company, the Mortgagor and the seller of the Mortgaged Property or a third party entered into a Buydown Agreement. The Buydown Agreement provides that the seller of the Mortgaged Property (or third party) shall deliver to the Company temporary Buydown Funds in an amount equal to the aggregate undiscounted amount of payments that, when added to the amount the Mortgagor on such Mortgage Loan is obligated to pay on each Due Date in accordance with 
 

 

the terms of the Buydown Agreement, is equal to the full scheduled Monthly Payment due on such Mortgage Loan. The temporary Buydown Funds enable the Mortgagor to qualify for the Buydown Mortgage Loan. The effective interest rate of a Buydown Mortgage Loan if less than the interest rate set forth in the related Mortgage Note will increase within the Buydown Period as provided in the related Buydown Agreement so that the effective interest rate will be equal to the interest rate as set forth in the related Mortgage Note. The Buydown Mortgage Loan satisfies the requirements of Fannie Mae or Freddie Mac guidelines;

	
            (ii)
 	
            The Mortgage and Mortgage Note reflect the permanent payment terms rather than the payment terms of the Buydown Agreement. The Buydown Agreement provides for the payment by the Mortgagor of the full amount of the Monthly Payment on any Due Date that the Buydown Funds are available. The Buydown Funds were not used to reduce the original principal balance of the Mortgage Loan or to increase the Appraised Value of the Mortgage Property when calculating the Loan-to-Value Ratios for purposes of the Agreement and, if the Buydown Funds were provided by the Company and if required under Fannie Mae or Freddie Mac guidelines, the terms of the Buydown Agreement were disclosed to the appraiser of the Mortgaged Property;
 
	
            (iii)
 	
            The Buydown Funds may not be refunded to the Mortgagor unless the Mortgagor makes a principal payment for the outstanding balance of the Mortgage Loan; and
 
	
            (iv)
 	
            As of the date of origination of the Mortgage Loan, the provisions of the related Buydown Agreement complied with the requirements of Fannie Mae or Freddie Mac regarding Buydown agreements;
 

	
            (11)
 	
            Cooperative Loans.
 

With respect to each Cooperative Loan:

	
            (i)
 	
            The Cooperative Shares are held by a person as a tenant-stockholder in a Cooperative. Each original UCC financing statement, continuation statement or other governmental filing or recordation necessary to create or preserve the perfection and priority of the first lien and security interest in the Cooperative Loan and Proprietary Lease has been timely and properly made. Any security agreement, chattel mortgage or equivalent document related to the Cooperative Loan and delivered to Purchaser or its designee establishes in Purchaser a valid and subsisting perfected first lien on and security interest in the Mortgaged Property described therein, and Purchaser has full right to sell and assign the same;
 
	
            (ii)
 	
            A Cooperative Lien Search has been made by a company competent to make the same which company is acceptable to Fannie Mae or Freddie 
 

 

Mac and qualified to do business in the jurisdiction where the Cooperative is located;

	
            (iii)
 	
            (a) The term of the related Proprietary Lease is not less than the terms of the Cooperative Loan; (b) there is no provision in any Proprietary Lease which requires the Mortgagor to offer for sale the Cooperative Shares owned by such Mortgagor first to the Cooperative; (c) there is no prohibition in any Proprietary Lease against pledging the Cooperative Shares or assigning the Proprietary Lease; (d) the Cooperative has been created and exists in full compliance with the requirements for residential cooperatives in the jurisdiction in which the Project is located and qualifies as a cooperative housing corporation under Section 210 of the Code; (e) the Recognition Agreement is on a form published by Aztech Document Services, Inc. or includes similar provisions; and (f) the Cooperative has good and marketable title to the Project, and
owns the Project either in fee simple; such title is free and clear of any adverse liens or encumbrances, except the lien of any blanket mortgage;
 
	
            (iv)
 	
            The Company has the right under the terms of the Mortgage Note, Pledge Agreement and Recognition Agreement to pay any maintenance charges or assessments owed by the Mortgagor; and
 
	
            (v)
 	
            Each Stock Power (i) has all signatures guaranteed or (ii) if all signatures are not guaranteed, then such Cooperative Shares will be transferred by the stock transfer agent of the Cooperative if the Company undertakes to convert the ownership of the collateral securing the related Cooperative Loan.;
 

	
            (mm)
 	
            HOEPA.
 

No Mortgage Loan is a Covered Loan or a High Cost Loan (in the case of state or local law, as determined without giving effect to any available federal preemption, other than any exemptions specifically provided for in the relevant state or local law);

	
            (nn)
 	
            Anti-Money Laundering Laws.
 

The Company has complied with all applicable anti-money laundering laws and regulations, (the "Anti-Money Laundering Laws"), and has established an anti-money laundering compliance program as required by the Anti-Money Laundering Laws;

	
            (oo)
 	
            Bankruptcy.
 

No Mortgagor was a debtor in any state or federal bankruptcy or insolvency proceeding as of the date the Mortgage Loan was closed and the proceeds of the Mortgage Loan were distributed;

 

 

	
            (pp)
 	
            Due on Sale.
 

The Mortgage or Mortgage Note contains an enforceable provision, to the extent not prohibited by federal law, for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the Mortgagee thereunder, provided that, with respect to Mortgage Notes which bear an adjustable rate of interest, such provision shall not be enforceable if the Mortgagor causes to be submitted to the Company to evaluate the intended transferee as if a new Mortgage Loan were being made to such transferee, and the Company reasonably determines that the security will not be impaired by such Mortgage Loan assumption and that the risk of breach of any covenant or agreement in such Mortgage is acceptable to the Purchaser;

	
            (qq)
 	
            Credit Reporting.
 

With respect to each Mortgage Loan, the Company has furnished complete information on the related borrower credit files to Equifax, Experian and Trans Union Credit Information Company, in accordance with the Fair Credit Reporting Act and its implementing regulations;

	
            (rr)
 	
            Delivery of Mortgage Files.
 

The Mortgage Note, Assignment of Mortgage and any other documents required to be delivered by the Company have been delivered to the Custodian in accordance with this Agreement. The Company is in possession of a complete, true and accurate Retained Mortgage File in compliance with Exhibit C, except for such documents the originals of which have been delivered to the Custodian or for such documents where the originals of which have been sent for recordation;

	
            (ss)
 	
            Single Premium Credit Life Insurance.
 

No Mortgagor has been offered or required to purchase single premium credit insurance in connection with the origination of the Mortgage Loan;

	
            (tt)
 	
            Payment in Full.
 

The Company had no knowledge, at the time of origination of the Mortgage Loan, of any fact that should have led it to expect that such Mortgage Loan would not be paid in full when due;

	
            (uu)
 	
            MERS Mortgage Loans.
 

With respect to each MERS Mortgage Loan, a MIN has been assigned to the Mortgage Loan, the MIN appears on the Mortgage or related Assignment of Mortgage to MERS, the Mortgage or the related Assignment of Mortgage to MERS has been duly and properly recorded on MERS, and the transfer to the 

 

Purchaser has been properly reflected in the MERS System pursuant to the Purchaser's registration instructions;

	
            (w)
 	
            Leasehold Estates.
 

No Mortgage Loan has a ground lease; and 

	
            (ww)
 	
            Contents of Retained Mortgage File.
 

The Retained Mortgage File contains the documents listed as items 6 through 11 of Exhibit C attached hereto.

 

 

 

 

 

EXHIBIT E

REQUEST FOR RELEASE

	
            TO:
 	
            [applicable Custodian]
 

 

	
             
 	
            Re:
 	
            
Pooling and Servicing Agreement dated as of October 1, 2005, among Citigroup Mortgage Loan Trust Inc., as depositor, CitiMortgage, Inc. as master servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee
 
 

 

In connection with the administration of the Mortgage Loans held by you as Custodian for the Owner pursuant to the above-captioned Pooling and Servicing Agreement and the applicable Custodian Agreement, we request the release, and hereby acknowledge receipt, of the Trustee's Mortgage File for the Mortgage Loan described below, for the reason indicated.

Mortgage Loan Number:

Mortgagor Name, Address & Zip Code:

Reason for Requesting Documents (check one):

	
            ______________
 	
            1.
 	
            Mortgage Paid in Full
 	
             

	
            ______________
 	
            2.
 	
            Foreclosure
 	
             

	
            ______________
 	
            3.
 	
            Substitution
 	
             

	
            ______________
 	
            4.
 	
            Other Liquidation (Repurchases, etc.)
 
	
            ______________
 	
            5.
 	
            Nonliquidation
 	
             

							

Reason:______________________________________________

Address to which Trustee should

Deliver the Custodian's Mortgage File:

[____________]

[____________]

 

 

 

	
             
 	
            By:        ______________________________

(authorized signer)
 
 
 
	
             
 	
             
 
	
            Issuer:______________________________
 	
             
 
	
             
 	
             
 
	
            Address:
 	
            _____________________________________
 
	
             
 	
             
 
	
            Date: _________________________________

 

Custodian
 	
            _____________________________________
 
	
             
 	
             
 
	
             
 	
             
 

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

	
            _____________________________________

Signature
 	
            Date
 
	
             
 	
             
 
	
            Documents returned to Custodian:
 	
             
 
	
             
 	
             
 
	
            ____________________________________

Trustee
 	
            Date
 

 

 

 

 

EXHIBIT F-1

FORM OF TRANSFEROR REPRESENTATION LETTER

[Date]

Citigroup, N.A.

388 Greenwich St

New York, NY 10013

ATTENTION: CMLTI, SERIES 2005-8

	
             
 	
            Re:
 	
            
Citigroup Mortgage Loan Trust Inc.,  Mortgage Pass-Through Certificates, Series 2005-8, Class__ , representing a __% Class Percentage Interest
 
 

 

Ladies and Gentlemen:

In connection with the transfer by ________________ (the “Transferor”) to ________________ (the “Transferee”) of the captioned mortgage pass-through certificates (the “Certificates”), the Transferor hereby certifies as follows:

Neither the Transferor nor anyone acting on its behalf has (a) offered, pledged, sold, disposed of or otherwise transferred any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) has solicited any offer to buy or to accept a pledge, disposition or other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) has otherwise approached or negotiated with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) has made any general solicitation by means of general advertising or in any other manner, (e) has taken any other action, that (in the case of each of subclauses (a) through (e) above) would constitute a distribution of the Certificates under the Securities Act of 1933, as amended (the
“1933 Act”), or would render the disposition of any Certificate a violation of Section 5 of the 1933 Act or any state securities law or would require registration or qualification pursuant thereto. The Transferor will not act, nor has it authorized or will it authorize any person to act, in any manner set forth in the foregoing sentence with respect to any Certificate. The Transferor will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of that certain Pooling and Servicing Agreement, dated as of October 1, 2005, among Citigroup Mortgage Loan Trust Inc. as depositor, CitiMortgage, Inc. as trust administrator and master servicer, CitiBank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee (the “Pooling and Servicing Agreement”), pursuant to which Pooling and Servicing Agreement the Certificates were issued.

 

 

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

	
             
 	
            Very truly yours,

 

 

[Transferor]

 

 

By:_____________________________________

Name:

Title:

 
 

 

 

 

FORM OF TRANSFEREE REPRESENTATION LETTER

[Date]

Citigroup, N.A.

388 Greenwich St

New York, NY 10013

ATTENTION: CMLTI, SERIES 2005-8

	
             
 	
            Re:
 	
            
Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8, Class ___, representing a ___% Percentage Interest
 
 

 

Ladies and Gentlemen:

In connection with the purchase from _____________________________________ (the “Transferor”) on the date hereof of the captioned trust certificates (the “Certificates”), _______________ (the “Transferee”) hereby certifies as follows:

1.          The Transferee is a “qualified institutional buyer” as that term is defined in Rule 144A (“Rule 144A”) under the Securities Act of 1933 (the “1933 Act”) and has completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. The Transferee is aware that the sale to it is being made in reliance on Rule 144A. The Transferee is acquiring the Certificates for its own account or for the account of a qualified institutional buyer, and understands that such Certificate may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A,
or (ii) pursuant to another exemption from registration under the 1933 Act.

2.          The Transferee has been furnished with all information regarding (a) the Certificates and distributions thereon, (b) the nature, performance and servicing of the Mortgage Loans, (c) the Pooling and Servicing Agreement referred to below, and (d) any credit enhancement mechanism associated with the Certificates, that it has requested.

All capitalized terms used but not otherwise defined herein have the respective meanings assigned thereto in the Pooling and Servicing Agreement, dated as of October 1, 2005, among Citigroup Mortgage Loan Trust Inc. as depositor, CitiMortgage, Inc. as master servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee, pursuant to which the Certificates were issued.

	
             
 	
            [TRANSFEREE]

 

 

By:                                                  ______________________________

Name:

Title:
 

 

 

 

ANNEX 1 TO EXHIBIT F

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[For Transferees Other Than Registered Investment Companies]

The undersigned hereby certifies as follows to [name of Transferor] (the “Transferor”) and U.S. Bank National Association, as Trustee, with respect to the mortgage pass-through certificates (the “Certificates”) described in the Transferee Certificate to which this certification relates and to which this certification is an Annex:

	
             
 	
            1.
 	
            As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the entity purchasing the Certificates (the “Transferee”).
 
	
             
 	
             
 	
             
 
	
             
 	
            2.
 	
            In connection with purchases by the Transferee, the Transferee is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933 (“Rule 144A”) because (i) the Transferee owned and/or invested on a discretionary basis $______________________1 in securities (except for the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Transferee satisfies the criteria in the category marked below.
 
	
             
 	
             
 	
             
 
	
             
 	
            ___
 	
            CORPORATION, ETC. The Transferee is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or any organization described in Section 501(c)(3) of the Internal Revenue Code of 1986.
 
	
             
 	
             
 	
             
 
	
             
 	
            ___
 	
            BANK. The Transferee (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto.
 
	
             
 	
             
 	
             
 
	
             
 	
            ___
 	
            SAVINGS AND LOAN. The Transferee (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least
 
	
             
 	
             
 	
             
 

 

 

_________________________

1           Transferee must own and/or invest on a discretionary basis at least $100,000,000 in securities unless Transferee is a dealer, and, in that case, Transferee must own and/or invest on a discretionary basis at least $10,000,000 in securities.  $25,000,000 as demonstrated in its latest annual financial statements, A COPY OF WHICH IS ATTACHED HERETO.

 

 

 

 

	
             
 	
            ___
 	
            BROKER-DEALER. The Transferee is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934.
 
	
             
 	
             
 	
             
 
	
             
 	
            ___
 	
            INSURANCE COMPANY. The Transferee is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State, territory or the District of Columbia.
 
	
             
 	
             
 	
             
 
	
             
 	
            ___
 	
            STATE OR LOCAL PLAN. The Transferee is a plan established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees.
 
	
             
 	
             
 	
             
 
	
             
 	
            ___
 	
            ERISA PLAN. The Transferee is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974.
 
	
             
 	
             
 	
             
 
	
             
 	
            ___
 	
            INVESTMENT ADVISOR. The Transferee is an investment advisor registered under the Investment Advisers Act of 1940.
 
	
             
 	
             
 	
             
 
	
             
 	
            3.
 	
            The term “SECURITIES” as used herein DOES NOT INCLUDE (i) securities of issuers that are affiliated with the Transferee, (ii) securities that are part of an unsold allotment to or subscription by the Transferee, if the Transferee is a dealer, (iii) securities issued or guaranteed by the U.S. or any instrumentality thereof, (iv) bank deposit notes and certificates of deposit, (v) loan participations, (vi) repurchase agreements, (vii) securities owned but subject to a repurchase agreement and (viii) currency, interest rate and commodity swaps.
 
	
             
 	
             
 	
             
 
	
             
 	
            4.
 	
            For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Transferee, the Transferee used the cost of such securities to the Transferee and did not include any of the securities referred to in the preceding paragraph. Further, in determining such aggregate amount, the Transferee may have included securities owned by subsidiaries of the Transferee, but only if such subsidiaries are consolidated with the Transferee in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Transferee's direction. However, such securities were not included if the Transferee is a majority-owned, consolidated subsidiary of another enterprise and the Transferee is not itself a
reporting company under the Securities Exchange Act of 1934.
 
	
             
 	
             
 	
             
 
	
             
 	
            5.
 	
            The Transferee acknowledges that it is familiar with Rule 144A and understands that the Transferor and other parties related to the Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Transferee may be in reliance on Rule 144A.
 

 

	
            ___
 Yes
 	
            ___
 No
 	
            Will the Transferee be purchasing the Certificates only for the Transferee's own account?
 

 

 

 

 

	
             
 	
            6.
 	
            If the answer to the foregoing question is “no”, the Transferee agrees that, in connection with any purchase of securities sold to the Transferee for the account of a third party (including any separate account) in reliance on Rule 144A, the Transferee will only purchase for the account of a third party that at the time is a “qualified institutional buyer” within the meaning of Rule 144A. In addition, the Transferee agrees that the Transferee will not purchase securities for a third party unless the Transferee has obtained a current representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such third party independently meets the definition of “qualified institutional buyer” set forth in Rule 144A.
 
	
             
 	
             
 	
             
 
	
             
 	
            7.
 	
            The Transferee will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Transferee's purchase of the Certificates will constitute a reaffirmation of this certification as of the date of such purchase. In addition, if the Transferee is a bank or savings and loan as provided above, the Transferee agrees that it will furnish to such parties updated annual financial statements promptly after they become available.
 
	
             
 	
             
 	
             
 

 

Dated:

	
             
 	
            ___________________________________

Print Name of Transferee

 

 

By:                                                  _______________________________

Name:

Title:
 

 

 

 

 

ANNEX 2 TO EXHIBIT F

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[For Transferees That Are Registered Investment Companies]

The undersigned hereby certifies as follows to [name of Transferor] (the “Transferor”) and U.S. Bank National Association, as Trustee, with respect to the mortgage pass- through certificates (the “Certificates”) described in the Transferee Certificate to which this certification relates and to which this certification is an Annex:

1.          As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the entity purchasing the Certificates (the “Transferee”) or, if the Transferee is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933 (“Rule 144A”) because the Transferee is part of a Family of Investment Companies (as defined below), is such an officer of the investment adviser (the “Adviser”).

2.          In connection with purchases by the Transferee, the Transferee is a “qualified institutional buyer” as defined in Rule 144A because (i) the Transferee is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Transferee alone, or the Transferee's Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year. For purposes of determining the amount of securities owned by the Transferee or the Transferee's Family of Investment Companies, the cost of such securities was used.

____ The Transferee owned $___________________ in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A).

____ The Transferee is part of a Family of Investment Companies which owned in the aggregate $______________ in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A).

3.          The term “FAMILY OF INVESTMENT COMPANIES” as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other).

4.          The term “SECURITIES” as used herein does not include (i) securities of issuers that are affiliated with the Transferee or are part of the Transferee's Family of Investment Companies, (ii) securities issued or guaranteed by the U.S. or any instrumentality thereof, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps.

5.          The Transferee is familiar with Rule 144A and understands that the parties to which this certification is being made are relying and will continue to rely on the statements made herein 

 

because one or more sales to the Transferee will be in reliance on Rule 144A. In addition, the Transferee will only purchase for the Transferee's own account.

6.          The undersigned will notify the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Transferee's purchase of the Certificates will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase.

	
             
 	
            Dated:

 

 

___________________________________

Print Name of Transferee or Advisor

 

 

 

By:________________________________ 

Name:

Title:

 

 

 

IF AN ADVISER:

 

___________________________________

Print Name of Transferee
 

 

 

 

FORM OF TRANSFEREE REPRESENTATION LETTER

The undersigned hereby certifies on behalf of the purchaser named below (the “Purchaser”) as follows:

	
            1.
 	
            I am an executive officer of the Purchaser.
 

	
            2.
 	
            The Purchaser is a “qualified institutional buyer”, as defined in Rule 144A, (“Rule 144A”) under the Securities Act of 1933, as amended.
 
	
            3.
 	
            As of the date specified below (which is not earlier than the last day of the Purchaser's most recent fiscal year), the amount of “securities”, computed for purposes of Rule 144A, owned and invested on a discretionary basis by the Purchaser was in excess of $100,000,000.
 

	
             
 	
            Name of Purchaser

 

 

___________________________________

 

 

 

By:        _____________________________

Name:

Title:

 

 

Date of this certificate:

 

Date of information provided in paragraph 3
 

 

 

 

 

EXHIBIT F-2

 

FORM OF RESIDUAL CERTIFICATE TRANSFER AFFIDAVIT

	
            STATE OF_____________
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF___________
 	
            )
 	
             
 

 

_______________________________, being duly sworn, deposes, represents and warrants as follows:

1.          I am a ______________________ of ____________________________ (the “Owner”) a corporation duly organized and existing under the laws of ______________, the record owner of Citigroup Mortgage  Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8,  Class R Certificates, (the “Class R Certificates”), on behalf of whom I make this affidavit and agreement.  Capitalized terms used but not defined herein have the respective meanings assigned thereto in the Pooling and Servicing Agreement pursuant to which the Class R Certificates were issued.

2.          The Owner (i) is and will be a “Permitted Transferee” as of ____________, 20__ and (ii) is acquiring the Class R  Certificates for its own account or for the account of another Owner from which it has received an affidavit in substantially the same form as this affidavit.  A “Permitted Transferee” is any person other than a “disqualified organization” or a possession of the United States. For this purpose, a “disqualified organization” means the United States, any state or political subdivision thereof, any agency or instrumentality of any of the foregoing (other than an instrumentality all of the activities of which are subject to tax and, except for the Federal Home Loan Mortgage Corporation, a majority of whose board of directors is not selected by any such governmental entity) or any
foreign government, international organization or any agency or instrumentality of such foreign government or organization, any rural electric or telephone cooperative, or any organization (other than certain farmers' cooperatives) that is generally exempt from federal income tax unless such organization is subject to the tax on unrelated business taxable income.

3.          The Owner is aware (i) of the tax that would be imposed on transfers of the Class R Certificates to disqualified organizations under the Internal Revenue Code of 1986 that applies to all transfers of the Class R Certificates after March 31, 1988; (ii) that such tax would be on the transferor or, if such transfer is through an agent (which person includes a broker, nominee or middleman) for a non-Permitted Transferee, on the agent; (iii) that the person otherwise liable for the tax shall be relieved of liability for the tax if the transferee furnishes to such person an affidavit that the transferee is a Permitted Transferee and, at the time of transfer, such person does not have actual knowledge that the affidavit is false; and (iv) that each of the Class R Certificates may be a “noneconomic residual interest” within
the meaning of proposed Treasury regulations promulgated under the Code and that the transferor of a “noneconomic residual interest” will remain liable for any taxes due with respect to the income on such residual interest, unless no significant purpose of the transfer is to impede the assessment or collection of tax.

 

 

4.          The Owner is aware of the tax imposed on a “pass-through entity” holding the Class R Certificates if, at any time during the taxable year of the pass-through entity, a non-Permitted Transferee is the record holder of an interest in such entity. (For this purpose, a “pass-through entity” includes a regulated investment company, a real estate investment trust or common trust fund, a partnership, trust or estate, and certain cooperatives.)

5.          The Owner is aware that the Trustee will not register the transfer of any Class R Certificate unless the transferee, or the transferee's agent, delivers to the Trustee, among other things, an affidavit in substantially the same form as this affidavit. The Owner expressly agrees that it will not consummate any such transfer if it knows or believes that any of the representations contained in such affidavit and agreement are false.

6.          The Owner consents to any additional restrictions or arrangements that shall be deemed necessary upon advice of counsel to constitute a reasonable arrangement to ensure that the Class R Certificates will only be owned, directly or indirectly, by an Owner that is a Permitted Transferee.

	
            7.
 	
            The Owner's taxpayer identification number is _________________.
 

8.          The Owner has reviewed the restrictions set forth on the face of the Class R Certificates and the provisions of Section 5.02(d) of the Pooling and Servicing Agreement under which the Class R Certificates were issued (in particular, clauses (iii)(A) and (iii)(B) of Section 5.02(d) which authorize the Trustee to deliver payments to a person other than the Owner and negotiate a mandatory sale by the Trustee in the event that the Owner holds such Certificate in violation of Section 5.02(d)); and that the Owner expressly agrees to be bound by and to comply with such restrictions and provisions.

9.          The Owner is not acquiring and will not transfer the Class R Certificates in order to impede the assessment or collection of any tax.

10.        The Owner anticipates that it will, so long as it holds the Class R Certificates, have sufficient assets to pay any taxes owed by the holder of such Class R Certificates, and hereby represents to and for the benefit of the person from whom it acquired the Class R  Certificates that the Owner intends to pay taxes associated with holding such Class R Certificates as they become due, fully understanding that it may incur tax liabilities in excess of any cash flows generated by the Class R Certificates.

11.        The Owner has no present knowledge that it may become insolvent or subject to a bankruptcy proceeding for so long as it holds the Class R Certificates.

12.        The Owner has no present knowledge or expectation that it will be unable to pay any United States taxes owed by it so long as any of the Certificates remain outstanding.

13.        The Owner is not acquiring the Class R Certificates with the intent to transfer the Class R Certificates to any person or entity that will not have sufficient assets to pay any taxes owed by the holder of such Class R Certificates, or that may become insolvent or subject to a bankruptcy proceeding, for so long as the Class R Certificates remain outstanding.

14.        The Owner will, in connection with any transfer that it makes of the Class R Certificates, obtain from its transferee the representations required by Section 5.02(d) of the 

 

Pooling and Servicing Agreement under which the Class R Certificate were issued and will not consummate any such transfer if it knows, or knows facts that should lead it to believe, that any such representations are false.

15.        The Owner will, in connection with any transfer that it makes of the Class R  Certificates, deliver to the Trustee an affidavit, which represents and warrants that it is not transferring the Class R Certificates to impede the assessment or collection of any tax and that it has no actual knowledge that the proposed transferee: (i) has insufficient assets to pay any taxes owed by such transferee as holder of the Class R Certificates; (ii) may become insolvent or subject to a bankruptcy proceeding for so long as the Class R Certificates remains outstanding; and (iii) is not a “Permitted Transferee”.

16.        The Owner is a citizen or resident of the United States, a corporation, partnership or other entity created or organized in, or under the laws of, the United States or any political subdivision thereof, or an estate or trust whose income from sources without the United States may be included in gross income for United States federal income tax purposes regardless of its connection with the conduct of a trade or business within the United States.

 

 

IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, pursuant to the authority of its Board of Directors, by its [Vice] President, attested by its [Assistant] Secretary, this ____ day of __________, 20__.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            [OWNER]
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:        
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:    [Vice] President
 

 

 

ATTEST:

By:_________________________________

Name:

	
            Title:
 	
            [Assistant] Secretary
 

 

Personally appeared before me the above-named , known or proved to me to be the same person who executed the foregoing instrument and to be a [Vice] President of the Owner, and acknowledged to me that [he/she] executed the same as [his/her] free act and deed and the free act and deed of the Owner.

Subscribed and sworn before me this ____ day of __________, 20___.

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 
	
             
 	
             
 
	
             
 	
            County of __________________
 
	
             
 	
             
 
	
             
 	
            State of ___________________
 
	
             
 	
             
 
	
             
 	
            My Commission expires:
 

 

 

 

 

FORM OF TRANSFEROR AFFIDAVIT

	
            STATE OF_____________
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF___________
 	
            )
 	
             
 

 

_______________________________, being duly sworn, deposes, represents and warrants as follows:

1.          I am a _________________________ of ____________________________ (the “Owner”), a corporation duly organized and existing under the laws of ______________, on behalf of whom I make this affidavit.

2.          The Owner is not transferring the Class R Certificates (the “Residual Certificates”) to impede the assessment or collection of any tax.

3.          The Owner has no actual knowledge that the Person that is the proposed transferee (the “Purchaser”) of the Residual Certificates: (i) has insufficient assets to pay any taxes owed by such proposed transferee as holder of the Residual Certificates; (ii) may become insolvent or subject to a bankruptcy proceeding for so long as the Residual Certificates remain outstanding and (iii) is not a Permitted Transferee.

4.          The Owner understands that the Purchaser has delivered to the Trustee a transfer affidavit and agreement in the form attached to the Pooling and Servicing Agreement as Exhibit F-2.  The Owner does not know or believe that any representation contained therein is false.

5.          At the time of transfer, the Owner has conducted a reasonable investigation of the financial condition of the Purchaser as contemplated by Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result of that investigation, the Owner has determined that the Purchaser has historically paid its debts as they became due and has found no significant evidence to indicate that the Purchaser will not continue to pay its debts as they become due in the future. The Owner understands that the transfer of a Residual Certificate may not be respected for United States income tax purposes (and the Owner may continue to be liable for United States income taxes associated therewith) unless the Owner has conducted such an investigation.

6.          Capitalized terms not otherwise defined herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement.

 

 

IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, pursuant to the authority of its Board of Directors, by its [Vice] President, attested by its [Assistant] Secretary, this ____ day of ___________, 20__.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            [OWNER]
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:        
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:    [Vice] President
 

 

 

ATTEST:

By:______________________________

Name:

	
            Title:
 	
            [Assistant] Secretary
 

 

Personally appeared before me the above-named , known or proved to me to be the same person who executed the foregoing instrument and to be a [Vice] President of the Owner, and acknowledged to me that [he/she] executed the same as [his/her] free act and deed and the free act and deed of the Owner.

Subscribed and sworn before me this ____ day of __________, 20___.

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 
	
             
 	
             
 
	
             
 	
            County of __________________
 
	
             
 	
             
 
	
             
 	
            State of ___________________
 
	
             
 	
             
 
	
             
 	
            My Commission expires:
 

 

 

 

 

EXHIBIT G

FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE

[Date]

Citigroup, N.A.

388 Greenwich St

New York, NY 10013

Attention: CMLTI, Series 2005-8

	
             
 	
            Re:
 	
            
Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8, Class ___
 
 

 

Dear Sirs:

_____________________________________________ (the “Transferee”) intends to acquire from ___________________________ (the “Transferor”) $____________ Initial Certificate Principal Balance of Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8, Class I- [B-4] [B-5] [B-6] [R], II-[B-4] [B-5] [B-6] [R] or III-[B-4] [B-5] [B-6] [R],  (the “Certificates”), issued pursuant to a Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”) dated as of [___], among Citigroup Mortgage Loan Trust Inc. as depositor (the “Depositor”), CitiMortgage, Inc. as master servicer (the”Master Servicer”) and trust administrator, Citibank N.A., as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as trustee (the “Trustee”). Capitalized terms used herein and not
otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Master Servicer that:

The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or other retirement arrangement, including individual retirement accounts and annuities, Keogh plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the “Code”) (any of the foregoing, a “Plan”), (ii) are not being acquired with “plan assets” of a Plan within the meaning of the Department of Labor (“DOL”) regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets
within the meaning of the DOL regulation at 29 C.F.R.ss. 2510.3-101.

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Very truly yours,

 

 

______________________________________
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 

 

 

 

 

EXHIBIT H

FORM OF MASTER SERVICER CERTIFICATION

	
             
 	
            Re:
 	
            
Citigroup Mortgage Loan Trust Inc., Mortgage Pass-Through Certificates, Series 2005-8
 
 

 

I, [identify the certifying individual], certify that:

1.          I have reviewed the information required to be provided to the Trustee by the Master Servicer pursuant to the Pooling and Servicing Agreement (the “Servicing Information”);

2.          Based on my knowledge, the Servicing Information, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;

3.          Based on my knowledge, the Servicing Information required to be provided to the Trustee by the Master Servicer has been provided as required under the Pooling and Servicing Agreement;

4.          I am responsible for reviewing the activities performed by the Master Servicer under the Pooling and Servicing Agreement and based upon my knowledge and the annual compliance review required under the Pooling and Servicing Agreement, and except as disclosed by written notice to the Trustee or in the annual compliance statement or certified public accountant's report required to be delivered to the Trustee in accordance with the terms of the Pooling and Servicing Agreement (which has been so delivered to the Trustee), the Master Servicer has, for the period covered by the Form 10-K Annual Report, fulfilled its obligations under the Pooling and Servicing Agreement; and

5.          The Master Servicer has disclosed to its certified public accountants and the Depositor all significant deficiencies relating to the Master Servicer's compliance with the minimum servicing standards in accordance with a review conducted in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set forth in the Pooling and Servicing Agreement.

 

 

Capitalized terms used but not defined herein have the meanings ascribed to them in the Pooling and Servicing Agreement, dated [___] (the “Pooling and Servicing Agreement”), among the Depositor as depositor, CitiMortgage, Inc. as master servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as trustee.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            CITIMORTGAGE, INC.
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:        
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:                   
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Date:                
 

 

 

 

 

SCHEDULE 1

MORTGAGE LOAN SCHEDULE

 

 

 

loanid                   product                    group                   pool_name              servicernm
--------------------------------------------------------------------------------------------------------------------------------------
         903506          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         849581          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         894850          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916638          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905936          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900114          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926418          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885510          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         861964          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897604          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915549          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887310          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899786          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903160          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         881179          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         870567          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         888062          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911112          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         891241          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897072          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920825          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918655          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904226          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911197          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905190          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905121          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902829          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887096          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907408          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885682          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907988          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         873196          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905459          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910445          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         861959          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905736          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917651          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922168          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         886283          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913550          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901054          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921611          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916861          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923390          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905221          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904719          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910376          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920459          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         889969          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         894006          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912263          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         841883          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         889237          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921219          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918552          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921255          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         891691          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907767          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930174          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         888454          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910475          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919246          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919444          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909136          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912400          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913574          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909294          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909345          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909362          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         884274          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904836          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920735          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         895517          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930842          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914128          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899366          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899117          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         875461          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892234          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         874019          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         836080          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900507          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916775          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927293          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924449          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915602          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926157          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890255          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         864317          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914636          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         856643          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922831          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         883304          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926360          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906571          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897033          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910966          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906082          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         874425          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         861766          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913397          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926381          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914970          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914058          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         877162          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911026          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         877698          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907013          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         863299          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931501          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903844          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905430          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919895          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899079          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921113          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925440          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922642          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924701          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         734928          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         891699          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926092          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         894963          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909131          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909973          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913074          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914621          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885528          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         889302          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903005          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910147          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         872394          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         880109          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909424          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916027          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927081          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915672          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         867194          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936171          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890142          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905881          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         864731          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938518          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901424          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928723          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911935          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915108          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913996          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         893650          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913595          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915073          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         893619          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926224          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913519          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         886067          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922900          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909218          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926281          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920319          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         875172          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926184          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920506          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933098          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926274          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902285          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933650          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917779          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906440          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935111          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899279          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913653          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906341          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932792          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885681          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         875099          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912219          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912155          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897172          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912813          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917766          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904251          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         852765          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929479          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919922          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         878520          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926930          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916927          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         879337          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925782          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901026          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915246          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         881730          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902539          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902179          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924626          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923453          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916373          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935079          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928191          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         846004          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         894130          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         888597          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925712          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919390          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911214          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         888508          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848223          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913862          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904504          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917709          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         884230          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935722          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930259          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928309          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         893700          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910962          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933706          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         864057          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926988          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916572          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940505          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         801938          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920197          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935667          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911845          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901004          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926614          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905265          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920447          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910996          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931217          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905996          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921433          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937503          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913773          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925402          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927047          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933936          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921035          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920669          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904983          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934849          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937801          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911988          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920739          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         846822          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885619          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916339          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936392          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919861          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         808676          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938399          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913319          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915471          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926111          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910672          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937934          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949025          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913790          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         866564          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         953956          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917694          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929819          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939170          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         947165          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904029          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         873491          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936339          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         856209          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         891529          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928775          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931198          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927094          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923878          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923336          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931238          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948731          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939183          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933570          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         896218          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934391          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930274          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904254          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934113          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932610          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932153          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897386          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934339          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919316          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930788          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903928          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930785          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930778          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930781          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937762          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932451          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914923          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920140          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924386          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         883828          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930341          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         946865          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921380          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900823          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897029          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892963          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         882252          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900735          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918004          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938412          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         883039          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936110          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901349          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920405          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943945          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926817          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932052          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932404          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904340          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920171          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936153          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920101          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915367          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900611          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938247          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935090          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948195          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925046          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933691          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         866903          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925137          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902629          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933546          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923704          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935572          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924698          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922738          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934956          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932240          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924773          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948737          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948968          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938874          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922613          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         946518          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898120          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928340          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915811          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919178          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940419          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927528          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901116          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932095          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903708          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916813          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922156          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897698          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921730          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940599          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935383          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910898          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         877421          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923450          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927895          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940534          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927137          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944637          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934894          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         888446          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         941754          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         942181          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913934          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922617          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         884468          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933290          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948598          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900637          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937165          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940528          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924018          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900500          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937145          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913440          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937232          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         793879          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940246          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940410          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         884239          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948803          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         955459          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         882337          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         947429          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         941658          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931430          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937413          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922183          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922187          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922192          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         954848          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915014          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935583          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926099          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         942479          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917123          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         884423          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         884303          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         952277          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920986          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934980          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890830          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943865          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918575          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949826          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915081          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912281          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930101          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937977          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         942546          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         946218          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913614          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903425          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932038          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932310          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927535          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930612          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944307          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         873896          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948787          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903290          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926868          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907806          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910093          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948169          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922961          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938694          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910909          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         941049          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936639          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939693          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934203          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910453          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939829          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916107          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         941648          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929280          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907912          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943933          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928270          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931414          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921262          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949885          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949377          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929810          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897307          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         947931          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937578          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931616          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917534          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915307          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         957822          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940791          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         818321          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943430          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934800          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949263          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         955056          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912530          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943715          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949722          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928921          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927129          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922515          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944077          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926822          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940858          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901660          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944760          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         941535          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933574          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944159          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927456          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949632          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917259          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912251          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         946988          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943841          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887104          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887098          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887105          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887106          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887109          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         888559          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         895205          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         889418          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         889412          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         879994          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899619          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         896373          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         893506          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         813365          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         813314          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         830135          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890264          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         883525          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         896164          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         880784          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906840          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885080          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918210          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892437          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902393          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904691          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913721          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909321          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         896366          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         908639          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892131          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         879274          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906324          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922159          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         894523          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892127          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906202          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911253          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905536          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907633          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         850389          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         880768          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         850402          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         895395          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         891296          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911619          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905586          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885875          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         888355          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         866138          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900019          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         867054          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911186          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924738          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910112          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887530          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914996          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         889262          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913362          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913573          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         908461          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         847702          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903894          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         893798          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917241          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         870168          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         875629          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         865796          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903951          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909261          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892075          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887117          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903222          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902735          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931900          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902076          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         889471          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         861620          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885329          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885326          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918913          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         908351          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         825255          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910115          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901982          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925854          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         895792          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         854856          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         894103          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928954          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900585          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910825          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901501          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906566          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901540          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         829489          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901461          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899222          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902383          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898304          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915058          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         878678          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         896203          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885024          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         856183          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926795          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901752          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892150          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890459          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906199          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899675          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906264          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887458          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909018          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928500          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919532          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939627          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887828          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         908942          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917752          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916575          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925754          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         891019          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918563          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918615          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903921          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887464          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922877          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904220          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912708          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         875987          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         883836          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920566          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911595          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917484          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932452          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         895945          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         893879          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897760          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913224          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913316          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848735          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848708          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848688          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848626          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848748          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848696          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848720          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848658          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848743          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848729          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912763          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892890          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921758          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         875571          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900917          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906164          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         851017          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890572          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925874          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         895089          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935468          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898650          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913534          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906192          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917999          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912665          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924810          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919337          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919761          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917539          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899496          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         896206          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925187          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922845          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927984          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890117          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907127          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         870159          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         876900          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         876904          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         856793          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         872976          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934154          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912419          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         908782          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933418          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918978          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921118          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898868          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902475          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917375          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917461          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920461          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         840267          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         908650          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906555          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910044          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919395          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906245          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927987          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928595          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900039          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917813          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915596          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906010          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892608          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937487          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920056          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903247          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928003          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913527          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928060          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926014          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929206          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902806          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927595          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929210          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916610          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920686          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         869035          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901725          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900892          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909955          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         772144          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920649          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926340          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         793814          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911932          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         758739          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910875          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920004          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899492          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925385          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         859356          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929722          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         866666          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902772          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939062          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         893903          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911962          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898504          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907624          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928859          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911536          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924921          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925584          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         886464          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914690          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916293          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912012          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911693          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918368          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848467          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         891499          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925481          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923865          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         777986          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920017          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923637          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899216          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         896163          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914593          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914741          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938047          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         941918          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903473          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926556          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917192          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         833274          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922675          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906289          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938489          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912880          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921375          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919458          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901733          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         877886          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897788          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901517          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944804          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907571          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928399          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932474          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917014          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         899082          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940293          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917557          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         947095          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902469          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940643          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934040          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         875502          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923601          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918200          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928137          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923451          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911847          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         870830          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922905          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         880788          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907307          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911007          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918247          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932680          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         849572          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         908103          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920003          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917369          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928557          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897444          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905113          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912087          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         902642          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938982          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919747          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911868          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932627          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919265          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887600          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912652          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923213          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940874          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         905518          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920147          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926411          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927647          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         832844          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         910262          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890994          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         894404          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917979          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930794          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924408          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917110          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900398          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919277          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919449          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938772          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         942105          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923653          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940989          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939301          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920665          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940948          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921582          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934639          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933050          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916142          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919311          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924108          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939156          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928568          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936163          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934333          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924399          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928779          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934590          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929570          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         835352          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898930          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906522          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924210          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934287          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929093          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934149          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         947286          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938913          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930594          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934901          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926307          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         761029          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934051          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913670          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923181          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         893080          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920835          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934093          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926176          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934407          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         903826          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909623          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933854          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897041          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934797          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930258          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919428          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948306          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929838          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         856657          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         884712          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         951067          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920380          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920919          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929248          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933628          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913570          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934856          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         892467          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932108          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921300          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933777          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         942470          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         885497          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915703          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924758          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         947834          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930162          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898605          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917060          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930397          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         906509          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921625          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         914832          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921781          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923998          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939036          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         951305          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928487          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925932          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         896105          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925053          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923996          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924160          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         895647          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924985          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         941033          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926901          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936876          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924413          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         901558          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         873655          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928018          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927863          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929374          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         942728          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940272          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918624          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939904          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909611          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922361          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935256          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         955928          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         890877          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938340          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904253          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         907957          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944380          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928671          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935891          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940365          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         951005          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         951700          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898370          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943687          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920476          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         951476          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937552          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949409          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         926164          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925395          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         928168          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         942759          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949844          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         950595          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887295          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934725          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925267          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917440          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         912292          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909212          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         811441          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920880          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921456          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         919358          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         923313          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924345          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925780          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925871          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929501          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         915504          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940322          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         921917          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         862796          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922697          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904753          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         953343          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931786          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         840396          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         911579          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930784          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848963          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944111          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929698          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936055          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929667          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         897602          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925753          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948069          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         848537          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         908431          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948103          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         895800          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         935924          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         924908          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900610          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         913560          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929477          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         945390          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922239          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936389          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         936112          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         887554          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940688          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         950623          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         950735          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900168          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         900088          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932936          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944942          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         948454          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         941709          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943450          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         916911          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         947667          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         925883          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929229          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         930616          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943525          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         909243          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         951788          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929659          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949638          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932149          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         863765          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943482          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         932914          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927120          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         956876          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         931530          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         951254          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         933862          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         807074          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         917477          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         958604          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         929634          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         946629          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         951171          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         945017          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         949150          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         939471          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         918836          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         934321          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927510          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         927530          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         943761          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         904615          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         922718          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         898289          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         944270          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920890          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         952037          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         471506          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         767357          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         920946          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         940967          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937887          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937897          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         937685          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
         938974          PRIME-FIXED                FIXED-30                Group 2                WELLS FARGO
     2002349103          PRIME-FIXED                FIXED-30                Group 2                CITIMORTGAGE
       40316603          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
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       40326240          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
       40308909          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
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       40333575          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
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       40379646          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40380823          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
       40380804          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40379234          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
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       40333233          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
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       40340248          PRIME-ARMS                 HYBRID-7-6              Group 1                GMAC
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       40344142          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
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       40345339          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
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       40346249          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
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       40347380          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40347421          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40347518          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40347871          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40348400          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40348417          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
       40348671          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40349674          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
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       40350249          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
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       40350509          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40350877          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
       40351817          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
       40351891          PRIME-ARMS                 HYBRID10-6              Group 1                GMAC
       40351446          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
       40352399          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
       40352822          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
       40352933          PRIME-ARMS                 HYBRID-5-6              Group 1                GMAC
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        4080900          PRIME-FIXED                FIXED-30                Group 2                NATIONAL CITY MORTGAGE
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        4234822          PRIME-FIXED                FIXED-30                Group 2                NATIONAL CITY MORTGAGE
        4235000          PRIME-FIXED                FIXED-30                Group 2                NATIONAL CITY MORTGAGE
        4235200          PRIME-FIXED                FIXED-30                Group 2                NATIONAL CITY MORTGAGE
        1776112          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        1778200          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        1778214          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        1778585          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        3376366          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        3845079          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        3859926          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        3860991          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        3878415          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        3879004          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        3910185          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        3991219          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        3997678          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4033188          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4045112          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4057111          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4058831          PRIME-FIXED                FIXED-29                Group 3                NATIONAL CITY MORTGAGE
        4062896          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4070522          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4071897          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4072806          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4078284          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4078357          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4080976          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4081662          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4083241          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4105920          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4105925          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4108500          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4109583          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4110026          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4110165          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4110527          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4110925          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4111062          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4111070          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4116125          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4117725          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4119590          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4128318          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4128878          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4132322          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4132583          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4132612          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4134183          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4137927          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4138061          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4138239          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4138262          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4138856          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4138965          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4139246          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4139359          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4140630          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4140636          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4141470          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4142223          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4142505          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4142522          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4142652          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4142722          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4143305          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4143317          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4144055          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4144481          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4144483          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4144626          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4144988          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4145341          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4147547          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
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        4152860          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4153521          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4154080          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4154736          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4154923          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4155700          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4155880          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4156081          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4156704          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4156910          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4156939          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4157913          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4158522          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4158893          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4158949          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4158962          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4159464          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4160941          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4161025          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4161482          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4161485          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4161546          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4161550          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4161709          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4162253          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4162890          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4163642          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4163673          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4163680          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4163856          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4164197          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4164232          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4164272          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4164337          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4164388          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4164715          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4165022          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4165047          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4165176          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4165223          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4165436          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4166261          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4166349          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4166877          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4167132          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4167617          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4167867          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4167875          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4168538          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4168565          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4168601          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4168794          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4169721          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4169883          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4170995          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4171909          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4171975          PRIME-FIXED                FIXED-20                Group 3                NATIONAL CITY MORTGAGE
        4172164          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4172206          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4172394          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4172699          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4173005          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4173173          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4173396          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4173403          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4173514          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4173696          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4174057          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4174347          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4174408          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4174427          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4174448          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4174468          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4174596          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4174744          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4175262          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4175559          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4176504          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4176694          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4176768          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4176990          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4177120          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4177313          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4177426          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4178003          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4178063          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4178361          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4178657          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4179065          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4179096          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4179101          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4179274          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4179875          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4179995          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180164          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180244          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180265          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180294          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180329          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180370          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180406          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180660          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180808          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4180836          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4181023          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4181028          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4181047          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4181056          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4181243          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4181535          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4181665          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4181861          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4182357          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4182408          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4182580          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4182827          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4182870          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4183058          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4183283          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4183317          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4183437          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4183679          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4183893          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4184147          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4184235          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4184384          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4184753          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4184879          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4184946          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4184961          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185111          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185363          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185419          PRIME-FIXED                FIXED-28                Group 3                NATIONAL CITY MORTGAGE
        4185443          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185458          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185537          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185720          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185956          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185958          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4185976          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4186275          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4186491          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4186560          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4186565          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4186716          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4187131          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4187422          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4187616          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4187744          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4188185          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4188407          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4188423          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4188681          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4189049          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4189268          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4189396          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4189449          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4189476          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4189515          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4189519          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4189930          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190067          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190111          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190217          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190227          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190440          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190507          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190539          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190815          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4190876          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191099          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191197          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191278          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191318          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191340          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191452          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191453          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191762          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4191820          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4192067          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4192155          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4192336          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4192353          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4192410          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4192473          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193459          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193474          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193535          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193548          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193568          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193589          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193644          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193654          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193658          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193662          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193679          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193702          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193703          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193718          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193742          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193773          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193774          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193916          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4193925          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4194120          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4194297          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4194378          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4194530          PRIME-FIXED                FIXED-20                Group 3                NATIONAL CITY MORTGAGE
        4194769          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4194796          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4194966          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4194999          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195270          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195297          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195509          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195623          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195644          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195685          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195727          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195747          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4195787          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4196235          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4196409          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4196991          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4197014          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4197016          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4197041          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4197334          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4197832          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4197844          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4197897          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198126          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198127          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198224          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198238          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198280          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198528          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198554          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198595          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4198994          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4199005          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4199072          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4199460          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4199797          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200178          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200343          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200483          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200489          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200623          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200676          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200708          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200762          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4200898          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4201413          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4201645          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4201684          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4201924          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4201935          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4201966          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202001          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202029          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202068          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202087          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202102          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202320          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202357          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202379          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202385          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202741          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4202940          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4203036          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4203092          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4203187          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4203192          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4203298          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4203961          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4204039          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4204063          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4204117          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4204181          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4204266          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4204786          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4204799          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4204985          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205058          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205109          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205390          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205396          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205404          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205413          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205438          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205442          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205481          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205533          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205542          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205705          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205747          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4205886          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4206330          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4206399          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4206601          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4206607          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4206785          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4206987          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4207229          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4207230          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4207307          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4207491          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4207932          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4207947          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4207997          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4208149          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4208165          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4208176          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4208695          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4208710          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4208713          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209038          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209185          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209249          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209260          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209367          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209428          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209449          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209456          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209468          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209474          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209497          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209529          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209540          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209552          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209569          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209582          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209672          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209725          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209916          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4209977          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210037          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210095          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210256          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210438          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210581          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210733          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210741          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210777          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210826          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210841          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4210881          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4211028          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4211702          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4211798          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4211840          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4212102          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4212204          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4212226          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4212240          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4212300          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4212305          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4212494          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4212716          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4213140          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4213409          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4213598          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4213680          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4213722          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4213767          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4213887          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4213954          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4214784          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4214992          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4215145          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4215337          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4215767          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4215834          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4216298          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217020          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217058          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217176          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217240          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217513          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217581          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217879          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217885          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217913          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4217944          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4218292          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4218322          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4218412          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4218481          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4218728          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4218757          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4218912          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4219341          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4219642          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4219648          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4219688          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4219757          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4219767          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4219771          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4220268          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4220415          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4221289          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4222046          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4222635          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4222871          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4223067          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4223115          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4223246          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4223261          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4223305          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4223995          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4224025          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4224037          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4224280          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4224307          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4225035          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4225979          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226117          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226331          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226337          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226419          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226453          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226467          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226685          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226853          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4226861          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4227376          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4227403          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4227692          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4227725          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4228904          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4229463          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4229566          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4229632          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4229844          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4230040          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4230048          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4230074          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4230249          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4230760          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4230988          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4231067          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4231709          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4232319          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4232438          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4232561          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4232834          PRIME-FIXED                FIXED-25                Group 3                NATIONAL CITY MORTGAGE
        4232980          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4233336          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4233449          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4233749          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4234198          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4234862          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4234935          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4235132          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4235690          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4235886          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4235975          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4235994          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4236056          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4236379          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4236395          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4236473          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4236505          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4236554          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4236976          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4237297          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4237533          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4237554          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4237614          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4237637          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4237817          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4238288          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4238339          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4238447          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4238477          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4238501          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4238747          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4239031          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4239992          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4240188          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4240290          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4240426          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4240763          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4240803          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4241335          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4241448          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        4243282          PRIME-FIXED                FIXED-30                Group 3                NATIONAL CITY MORTGAGE
        1776284          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        1777260          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        1778242          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        3380341          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        3380437          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        3381000          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        3871775          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4017212          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4094948          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4119458          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4128337          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4132418          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4134149          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4139505          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4144420          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4154129          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4157822          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4160790          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4161602          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4166787          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4169706          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4169814          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4172737          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4172926          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4176453          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4176821          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4178998          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4184877          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4185816          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4187757          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4188066          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4193958          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4194534          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4198057          PRIME-ARMS                 HYBRID-7-6              Group 1                NATIONAL CITY MORTGAGE
        4198233          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4202415          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4203222          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4203292          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4203347          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4204086          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4209802          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4210479          PRIME-ARMS                 HYBRID-7-6              Group 1                NATIONAL CITY MORTGAGE
        4210728          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4212145          PRIME-ARMS                 HYBRID-7-6              Group 1                NATIONAL CITY MORTGAGE
        4212751          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4213481          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4213635          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4215503          PRIME-ARMS                 HYBRID-7-6              Group 1                NATIONAL CITY MORTGAGE
        4215533          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4215907          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4216138          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4216713          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4217531          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4218669          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4219069          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4219192          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4219475          PRIME-ARMS                 HYBRID-7-6              Group 1                NATIONAL CITY MORTGAGE
        4220491          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4222638          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4223022          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4225100          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4225757          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4227787          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4228125          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4228161          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4228289          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4231136          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4231497          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4231560          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4233872          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4234300          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4236362          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4236695          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4236706          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4237261          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4237443          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4238984          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4239279          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4240528          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4242218          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4242853          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4245462          PRIME-ARMS                 HYBRID-7-6              Group 1                NATIONAL CITY MORTGAGE
        4252431          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4253181          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4253682          PRIME-ARMS                 HYBRID-7-6              Group 1                NATIONAL CITY MORTGAGE
        4254606          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4260943          PRIME-ARMS                 HYBRID-7-1              Group 1                NATIONAL CITY MORTGAGE
        4263521          PRIME-ARMS                 HYBRID-7-6              Group 1                NATIONAL CITY MORTGAGE
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loanid                   lendernm                                        state           zip              proptype
----------------------------------------------------------------------------------------------------------------------------
         903506          AMERICAN HOME MORTGAGE                          KY                40212          1 FAMILY
         849581          AMERICAN HOME MORTGAGE                          TN                37820          1 FAMILY
         894850          AMERICAN HOME MORTGAGE                          DC                20007          1 FAMILY
         916638          AMERICAN HOME MORTGAGE                          VA                23060          1 FAMILY
         905936          AMERICAN HOME MORTGAGE                          FL                32738          1 FAMILY
         900114          AMERICAN HOME MORTGAGE                          MA                 1749          1 FAMILY
         926418          AMERICAN HOME MORTGAGE                          MA                 1603          1 FAMILY
         885510          AMERICAN HOME MORTGAGE                          NY                11717          1 FAMILY
         861964          AMERICAN HOME MORTGAGE                          LA                70065          1 FAMILY
         897604          AMERICAN HOME MORTGAGE                          IL                60441          1 FAMILY
         915549          AMERICAN HOME MORTGAGE                          UT                84044          1 FAMILY
         887310          AMERICAN HOME MORTGAGE                          RI                 2919          2 - 4 FAM
         899786          AMERICAN HOME MORTGAGE                          FL                33020          CONDO
         903160          AMERICAN HOME MORTGAGE                          NV                89117          PUD
         881179          AMERICAN HOME MORTGAGE                          KS                66614          1 FAMILY
         870567          AMERICAN HOME MORTGAGE                          CA                93703          2 - 4 FAM
         888062          AMERICAN HOME MORTGAGE                          IL                60609          2 - 4 FAM
         911112          AMERICAN HOME MORTGAGE                          AZ                85248          PUD
         891241          AMERICAN HOME MORTGAGE                          MA                 2576          1 FAMILY
         897072          AMERICAN HOME MORTGAGE                          MA                 1776          1 FAMILY
         920825          AMERICAN HOME MORTGAGE                          OR                97707          1 FAMILY
         918655          AMERICAN HOME MORTGAGE                          NV                89074          1 FAMILY
         904226          AMERICAN HOME MORTGAGE                          MI                48310          1 FAMILY
         911197          AMERICAN HOME MORTGAGE                          MA                 1056          1 FAMILY
         905190          AMERICAN HOME MORTGAGE                          CA                96161          CONDO
         905121          AMERICAN HOME MORTGAGE                          GA                31548          1 FAMILY
         902829          AMERICAN HOME MORTGAGE                          WA                98112          1 FAMILY
         887096          AMERICAN HOME MORTGAGE                          GA                30022          PUD
         907408          AMERICAN HOME MORTGAGE                          GA                30117          1 FAMILY
         885682          AMERICAN HOME MORTGAGE                          CT                 6437          CONDO
         907988          AMERICAN HOME MORTGAGE                          CA                92410          1 FAMILY
         873196          AMERICAN HOME MORTGAGE                          CA                94608          CONDO
         905459          AMERICAN HOME MORTGAGE                          WA                99201          2 - 4 FAM
         910445          AMERICAN HOME MORTGAGE                          SC                29680          PUD
         861959          AMERICAN HOME MORTGAGE                          CA                90032          1 FAMILY
         905736          AMERICAN HOME MORTGAGE                          CA                91910          1 FAMILY
         917651          AMERICAN HOME MORTGAGE                          IL                60018          1 FAMILY
         922168          AMERICAN HOME MORTGAGE                          GA                30256          1 FAMILY
         886283          AMERICAN HOME MORTGAGE                          FL                34446          PUD
         913550          AMERICAN HOME MORTGAGE                          CA                95503          1 FAMILY
         901054          AMERICAN HOME MORTGAGE                          NH                 3031          1 FAMILY
         921611          AMERICAN HOME MORTGAGE                          TX                76210          PUD
         916861          AMERICAN HOME MORTGAGE                          GA                30144          PUD
         923390          AMERICAN HOME MORTGAGE                          OR                97217          1 FAMILY
         905221          AMERICAN HOME MORTGAGE                          NY                11233          2 - 4 FAM
         904719          AMERICAN HOME MORTGAGE                          GA                30127          1 FAMILY
         910376          AMERICAN HOME MORTGAGE                          FL                33713          1 FAMILY
         920459          AMERICAN HOME MORTGAGE                          TX                75244          1 FAMILY
         889969          AMERICAN HOME MORTGAGE                          OH                44077          1 FAMILY
         894006          AMERICAN HOME MORTGAGE                          PA                17363          1 FAMILY
         912263          AMERICAN HOME MORTGAGE                          OR                97005          1 FAMILY
         841883          AMERICAN HOME MORTGAGE                          NY                10469          1 FAMILY
         889237          AMERICAN HOME MORTGAGE                          NV                89121          1 FAMILY
         921219          AMERICAN HOME MORTGAGE                          TX                77584          PUD
         918552          AMERICAN HOME MORTGAGE                          CA                91335          1 FAMILY
         921255          AMERICAN HOME MORTGAGE                          MD                21075          PUD
         891691          AMERICAN HOME MORTGAGE                          MA                 2131          2 - 4 FAM
         907767          AMERICAN HOME MORTGAGE                          IL                61811          1 FAMILY
         930174          AMERICAN HOME MORTGAGE                          FL                32259          1 FAMILY
         888454          AMERICAN HOME MORTGAGE                          NY                11749          1 FAMILY
         910475          AMERICAN HOME MORTGAGE                          NY                11901          1 FAMILY
         919246          AMERICAN HOME MORTGAGE                          KY                40205          2 - 4 FAM
         919444          AMERICAN HOME MORTGAGE                          CT                 6450          2 - 4 FAM
         909136          AMERICAN HOME MORTGAGE                          IL                60637          2 - 4 FAM
         912400          AMERICAN HOME MORTGAGE                          RI                 2910          2 - 4 FAM
         913574          AMERICAN HOME MORTGAGE                          OR                97301          1 FAMILY
         909294          AMERICAN HOME MORTGAGE                          OR                97219          1 FAMILY
         909345          AMERICAN HOME MORTGAGE                          IL                60660          CONDO
         909362          AMERICAN HOME MORTGAGE                          IL                60660          CONDO
         884274          AMERICAN HOME MORTGAGE                          VA                23664          1 FAMILY
         904836          AMERICAN HOME MORTGAGE                          GA                30017          1 FAMILY
         920735          AMERICAN HOME MORTGAGE                          SD                57006          1 FAMILY
         895517          AMERICAN HOME MORTGAGE                          SD                57006          1 FAMILY
         930842          AMERICAN HOME MORTGAGE                          VA                22655          1 FAMILY
         914128          AMERICAN HOME MORTGAGE                          LA                70448          1 FAMILY
         899366          AMERICAN HOME MORTGAGE                          OR                97031          1 FAMILY
         899117          AMERICAN HOME MORTGAGE                          IN                47302          1 FAMILY
         875461          AMERICAN HOME MORTGAGE                          NV                89701          PUD
         892234          AMERICAN HOME MORTGAGE                          CO                80022          1 FAMILY
         874019          AMERICAN HOME MORTGAGE                          NY                11746          1 FAMILY
         836080          AMERICAN HOME MORTGAGE                          NC                28805          1 FAMILY
         900507          AMERICAN HOME MORTGAGE                          TX                78626          1 FAMILY
         916775          AMERICAN HOME MORTGAGE                          NJ                 7647          1 FAMILY
         927293          AMERICAN HOME MORTGAGE                          RI                 2903          2 - 4 FAM
         924449          AMERICAN HOME MORTGAGE                          CA                93271          1 FAMILY
         915602          AMERICAN HOME MORTGAGE                          MI                48126          2 - 4 FAM
         926157          AMERICAN HOME MORTGAGE                          UT                84084          1 FAMILY
         890255          AMERICAN HOME MORTGAGE                          KY                40215          2 - 4 FAM
         864317          AMERICAN HOME MORTGAGE                          NY                11559          1 FAMILY
         914636          AMERICAN HOME MORTGAGE                          ID                83814          PUD
         856643          AMERICAN HOME MORTGAGE                          DE                19958          PUD
         922831          AMERICAN HOME MORTGAGE                          WA                98118          1 FAMILY
         883304          AMERICAN HOME MORTGAGE                          CA                90001          1 FAMILY
         926360          AMERICAN HOME MORTGAGE                          MN                55430          1 FAMILY
         906571          AMERICAN HOME MORTGAGE                          VA                20112          1 FAMILY
         897033          AMERICAN HOME MORTGAGE                          CA                92354          2 - 4 FAM
         910966          AMERICAN HOME MORTGAGE                          IN                46409          2 - 4 FAM
         906082          AMERICAN HOME MORTGAGE                          OR                97266          1 FAMILY
         874425          AMERICAN HOME MORTGAGE                          NY                10977          2 - 4 FAM
         861766          AMERICAN HOME MORTGAGE                          NM                87121          1 FAMILY
         913397          AMERICAN HOME MORTGAGE                          NY                11223          2 - 4 FAM
         926381          AMERICAN HOME MORTGAGE                          CA                95240          1 FAMILY
         914970          AMERICAN HOME MORTGAGE                          MI                48180          1 FAMILY
         914058          AMERICAN HOME MORTGAGE                          CA                91355          1 FAMILY
         877162          AMERICAN HOME MORTGAGE                          OR                97527          1 FAMILY
         911026          AMERICAN HOME MORTGAGE                          WA                99208          1 FAMILY
         877698          AMERICAN HOME MORTGAGE                          IA                50322          1 FAMILY
         907013          AMERICAN HOME MORTGAGE                          NV                89135          PUD
         863299          AMERICAN HOME MORTGAGE                          NH                 3062          1 FAMILY
         931501          AMERICAN HOME MORTGAGE                          FL                32963          1 FAMILY
         903844          AMERICAN HOME MORTGAGE                          MA                 1543          1 FAMILY
         905430          AMERICAN HOME MORTGAGE                          FL                33414          1 FAMILY
         919895          AMERICAN HOME MORTGAGE                          NH                 3246          CONDO
         899079          AMERICAN HOME MORTGAGE                          ME                 4428          1 FAMILY
         921113          AMERICAN HOME MORTGAGE                          NJ                 8046          1 FAMILY
         925440          AMERICAN HOME MORTGAGE                          GA                30102          1 FAMILY
         922642          AMERICAN HOME MORTGAGE                          TX                77089          1 FAMILY
         924701          AMERICAN HOME MORTGAGE                          TX                78412          1 FAMILY
         734928          AMERICAN HOME MORTGAGE                          NC                27401          PUD
         891699          AMERICAN HOME MORTGAGE                          CA                92354          2 - 4 FAM
         926092          AMERICAN HOME MORTGAGE                          CO                80424          CONDO
         894963          AMERICAN HOME MORTGAGE                          RI                 2895          1 FAMILY
         909131          AMERICAN HOME MORTGAGE                          TX                77077          PUD
         909973          AMERICAN HOME MORTGAGE                          VA                22556          1 FAMILY
         913074          AMERICAN HOME MORTGAGE                          WA                98405          1 FAMILY
         914621          AMERICAN HOME MORTGAGE                          FL                33190          PUD
         885528          AMERICAN HOME MORTGAGE                          MA                 2660          1 FAMILY
         889302          AMERICAN HOME MORTGAGE                          FL                32444          1 FAMILY
         903005          AMERICAN HOME MORTGAGE                          NV                89015          1 FAMILY
         910147          AMERICAN HOME MORTGAGE                          MI                48307          1 FAMILY
         872394          AMERICAN HOME MORTGAGE                          CA                96027          1 FAMILY
         880109          AMERICAN HOME MORTGAGE                          NY                11946          1 FAMILY
         909424          AMERICAN HOME MORTGAGE                          CA                96097          1 FAMILY
         916027          AMERICAN HOME MORTGAGE                          MD                21234          PUD
         927081          AMERICAN HOME MORTGAGE                          GA                30318          1 FAMILY
         915672          AMERICAN HOME MORTGAGE                          NC                28216          1 FAMILY
         867194          AMERICAN HOME MORTGAGE                          OH                45224          CONDO
         936171          AMERICAN HOME MORTGAGE                          NH                 3064          1 FAMILY
         890142          AMERICAN HOME MORTGAGE                          OH                44094          1 FAMILY
         905881          AMERICAN HOME MORTGAGE                          VA                20121          PUD
         864731          AMERICAN HOME MORTGAGE                          OH                45224          CONDO
         938518          AMERICAN HOME MORTGAGE                          PA                15214          1 FAMILY
         901424          AMERICAN HOME MORTGAGE                          CA                90731          2 - 4 FAM
         928723          AMERICAN HOME MORTGAGE                          ID                83651          PUD
         911935          AMERICAN HOME MORTGAGE                          NY                11204          1 FAMILY
         915108          AMERICAN HOME MORTGAGE                          RI                 2831          2 - 4 FAM
         913996          AMERICAN HOME MORTGAGE                          RI                 2910          1 FAMILY
         893650          AMERICAN HOME MORTGAGE                          MA                 1701          1 FAMILY
         913595          AMERICAN HOME MORTGAGE                          CO                80022          1 FAMILY
         915073          AMERICAN HOME MORTGAGE                          RI                 2914          2 - 4 FAM
         893619          AMERICAN HOME MORTGAGE                          CO                80010          1 FAMILY
         926224          AMERICAN HOME MORTGAGE                          NC                28451          1 FAMILY
         913519          AMERICAN HOME MORTGAGE                          CT                 6412          1 FAMILY
         886067          AMERICAN HOME MORTGAGE                          NY                13676          1 FAMILY
         922900          AMERICAN HOME MORTGAGE                          NC                28215          PUD
         909218          AMERICAN HOME MORTGAGE                          IL                60618          1 FAMILY
         926281          AMERICAN HOME MORTGAGE                          VA                23112          PUD
         920319          AMERICAN HOME MORTGAGE                          CO                81503          1 FAMILY
         875172          AMERICAN HOME MORTGAGE                          NY                10952          1 FAMILY
         926184          AMERICAN HOME MORTGAGE                          FL                32541          CONDO
         920506          AMERICAN HOME MORTGAGE                          WA                98204          1 FAMILY
         933098          AMERICAN HOME MORTGAGE                          VA                24019          1 FAMILY
         926274          AMERICAN HOME MORTGAGE                          MO                63080          1 FAMILY
         902285          AMERICAN HOME MORTGAGE                          CA                93720          1 FAMILY
         933650          AMERICAN HOME MORTGAGE                          MI                48060          1 FAMILY
         917779          AMERICAN HOME MORTGAGE                          FL                34450          1 FAMILY
         906440          AMERICAN HOME MORTGAGE                          DE                19958          PUD
         935111          AMERICAN HOME MORTGAGE                          NC                27406          1 FAMILY
         899279          AMERICAN HOME MORTGAGE                          NC                27103          PUD
         913653          AMERICAN HOME MORTGAGE                          NM                87508          PUD
         906341          AMERICAN HOME MORTGAGE                          OR                97013          1 FAMILY
         932792          AMERICAN HOME MORTGAGE                          NV                89144          1 FAMILY
         885681          AMERICAN HOME MORTGAGE                          CA                92780          1 FAMILY
         875099          AMERICAN HOME MORTGAGE                          ME                 4963          1 FAMILY
         912219          AMERICAN HOME MORTGAGE                          FL                33569          PUD
         912155          AMERICAN HOME MORTGAGE                          TX                77015          PUD
         897172          AMERICAN HOME MORTGAGE                          IA                50322          1 FAMILY
         912813          AMERICAN HOME MORTGAGE                          CA                94063          1 FAMILY
         917766          AMERICAN HOME MORTGAGE                          AZ                85204          1 FAMILY
         904251          AMERICAN HOME MORTGAGE                          MD                20735          1 FAMILY
         852765          AMERICAN HOME MORTGAGE                          AK                99901          1 FAMILY
         929479          AMERICAN HOME MORTGAGE                          CA                96001          1 FAMILY
         919922          AMERICAN HOME MORTGAGE                          CO                80118          1 FAMILY
         878520          AMERICAN HOME MORTGAGE                          NY                11510          1 FAMILY
         926930          AMERICAN HOME MORTGAGE                          CA                93960          1 FAMILY
         916927          AMERICAN HOME MORTGAGE                          TN                37076          1 FAMILY
         879337          AMERICAN HOME MORTGAGE                          CT                 6824          2 - 4 FAM
         925782          AMERICAN HOME MORTGAGE                          MD                21784          1 FAMILY
         901026          AMERICAN HOME MORTGAGE                          CA                95003          CONDO
         915246          AMERICAN HOME MORTGAGE                          AZ                85379          PUD
         881730          AMERICAN HOME MORTGAGE                          NY                10019          CONDO
         902539          AMERICAN HOME MORTGAGE                          SC                29907          1 FAMILY
         902179          AMERICAN HOME MORTGAGE                          RI                 2828          1 FAMILY
         924626          AMERICAN HOME MORTGAGE                          TX                77901          1 FAMILY
         923453          AMERICAN HOME MORTGAGE                          PA                17111          1 FAMILY
         916373          AMERICAN HOME MORTGAGE                          OR                97322          2 - 4 FAM
         935079          AMERICAN HOME MORTGAGE                          OR                97132          2 - 4 FAM
         928191          AMERICAN HOME MORTGAGE                          TX                76201          1 FAMILY
         846004          AMERICAN HOME MORTGAGE                          NY                11368          2 - 4 FAM
         894130          AMERICAN HOME MORTGAGE                          NY                10019          CONDO
         888597          AMERICAN HOME MORTGAGE                          CA                90220          1 FAMILY
         925712          AMERICAN HOME MORTGAGE                          FL                33462          CONDO
         919390          AMERICAN HOME MORTGAGE                          NY                11252          2 - 4 FAM
         911214          AMERICAN HOME MORTGAGE                          OH                43008          1 FAMILY
         888508          AMERICAN HOME MORTGAGE                          MD                21704          PUD
         848223          AMERICAN HOME MORTGAGE                          IL                60617          1 FAMILY
         913862          AMERICAN HOME MORTGAGE                          WA                98391          PUD
         904504          AMERICAN HOME MORTGAGE                          CO                80121          1 FAMILY
         917709          AMERICAN HOME MORTGAGE                          IL                60619          2 - 4 FAM
         884230          AMERICAN HOME MORTGAGE                          OR                97201          1 FAMILY
         935722          AMERICAN HOME MORTGAGE                          OH                43560          1 FAMILY
         930259          AMERICAN HOME MORTGAGE                          CO                80925          PUD
         928309          AMERICAN HOME MORTGAGE                          NC                28110          PUD
         893700          AMERICAN HOME MORTGAGE                          NY                10573          2 - 4 FAM
         910962          AMERICAN HOME MORTGAGE                          CA                92201          1 FAMILY
         933706          AMERICAN HOME MORTGAGE                          NY                10562          1 FAMILY
         864057          AMERICAN HOME MORTGAGE                          NY                10452          2 - 4 FAM
         926988          AMERICAN HOME MORTGAGE                          CO                80204          CONDO
         916572          AMERICAN HOME MORTGAGE                          WI                53704          1 FAMILY
         940505          AMERICAN HOME MORTGAGE                          FL                33034          CONDO
         801938          AMERICAN HOME MORTGAGE                          AZ                85629          PUD
         920197          AMERICAN HOME MORTGAGE                          KY                40517          CONDO
         935667          AMERICAN HOME MORTGAGE                          SC                29127          1 FAMILY
         911845          AMERICAN HOME MORTGAGE                          KY                40503          1 FAMILY
         901004          AMERICAN HOME MORTGAGE                          MD                20657          PUD
         926614          AMERICAN HOME MORTGAGE                          TX                77478          PUD
         905265          AMERICAN HOME MORTGAGE                          ID                83705          1 FAMILY
         920447          AMERICAN HOME MORTGAGE                          NC                28327          1 FAMILY
         910996          AMERICAN HOME MORTGAGE                          IL                60419          1 FAMILY
         931217          AMERICAN HOME MORTGAGE                          RI                 2908          2 - 4 FAM
         905996          AMERICAN HOME MORTGAGE                          AZ                85301          PUD
         921433          AMERICAN HOME MORTGAGE                          KY                40047          1 FAMILY
         937503          AMERICAN HOME MORTGAGE                          KY                40212          1 FAMILY
         913773          AMERICAN HOME MORTGAGE                          OH                45237          2 - 4 FAM
         925402          AMERICAN HOME MORTGAGE                          CA                95368          1 FAMILY
         927047          AMERICAN HOME MORTGAGE                          CA                95824          1 FAMILY
         933936          AMERICAN HOME MORTGAGE                          UT                84043          1 FAMILY
         921035          AMERICAN HOME MORTGAGE                          ID                83686          PUD
         920669          AMERICAN HOME MORTGAGE                          RI                 2871          1 FAMILY
         904983          AMERICAN HOME MORTGAGE                          GA                30019          PUD
         934849          AMERICAN HOME MORTGAGE                          GA                31419          PUD
         937801          AMERICAN HOME MORTGAGE                          OH                43528          1 FAMILY
         911988          AMERICAN HOME MORTGAGE                          OH                45406          1 FAMILY
         920739          AMERICAN HOME MORTGAGE                          MA                 2346          1 FAMILY
         846822          AMERICAN HOME MORTGAGE                          NJ                 7446          1 FAMILY
         885619          AMERICAN HOME MORTGAGE                          NY                11951          1 FAMILY
         916339          AMERICAN HOME MORTGAGE                          WA                98372          1 FAMILY
         936392          AMERICAN HOME MORTGAGE                          KY                40212          1 FAMILY
         919861          AMERICAN HOME MORTGAGE                          PA                18102          2 - 4 FAM
         808676          AMERICAN HOME MORTGAGE                          GA                30349          PUD
         938399          AMERICAN HOME MORTGAGE                          OH                43055          1 FAMILY
         913319          AMERICAN HOME MORTGAGE                          OH                45244          1 FAMILY
         915471          AMERICAN HOME MORTGAGE                          NV                89119          1 FAMILY
         926111          AMERICAN HOME MORTGAGE                          CA                95501          2 - 4 FAM
         910672          AMERICAN HOME MORTGAGE                          OH                45244          1 FAMILY
         937934          AMERICAN HOME MORTGAGE                          NJ                 7047          CONDO
         949025          AMERICAN HOME MORTGAGE                          CA                92256          1 FAMILY
         913790          AMERICAN HOME MORTGAGE                          MD                20774          PUD
         866564          AMERICAN HOME MORTGAGE                          PA                16509          1 FAMILY
         953956          AMERICAN HOME MORTGAGE                          IL                60426          1 FAMILY
         917694          AMERICAN HOME MORTGAGE                          PA                16101          1 FAMILY
         929819          AMERICAN HOME MORTGAGE                          MD                20747          1 FAMILY
         939170          AMERICAN HOME MORTGAGE                          TN                37206          1 FAMILY
         947165          AMERICAN HOME MORTGAGE                          NH                 3077          1 FAMILY
         904029          AMERICAN HOME MORTGAGE                          MD                21230          1 FAMILY
         873491          AMERICAN HOME MORTGAGE                          NJ                 7628          1 FAMILY
         936339          AMERICAN HOME MORTGAGE                          MA                 2066          1 FAMILY
         856209          AMERICAN HOME MORTGAGE                          NJ                 7646          2 - 4 FAM
         891529          AMERICAN HOME MORTGAGE                          GA                30518          1 FAMILY
         928775          AMERICAN HOME MORTGAGE                          TX                78681          PUD
         931198          AMERICAN HOME MORTGAGE                          IL                60645          1 FAMILY
         927094          AMERICAN HOME MORTGAGE                          NV                89147          1 FAMILY
         923878          AMERICAN HOME MORTGAGE                          FL                32832          PUD
         923336          AMERICAN HOME MORTGAGE                          MD                21075          PUD
         931238          AMERICAN HOME MORTGAGE                          AR                72762          1 FAMILY
         948731          AMERICAN HOME MORTGAGE                          CT                 6470          CONDO
         939183          AMERICAN HOME MORTGAGE                          CA                94085          1 FAMILY
         933570          AMERICAN HOME MORTGAGE                          CO                80403          1 FAMILY
         896218          AMERICAN HOME MORTGAGE                          NV                89108          1 FAMILY
         934391          AMERICAN HOME MORTGAGE                          AR                72762          1 FAMILY
         930274          AMERICAN HOME MORTGAGE                          FL                33706          1 FAMILY
         904254          AMERICAN HOME MORTGAGE                          IL                60451          1 FAMILY
         934113          AMERICAN HOME MORTGAGE                          CO                80220          CONDO
         932610          AMERICAN HOME MORTGAGE                          AL                36574          1 FAMILY
         932153          AMERICAN HOME MORTGAGE                          AZ                85254          PUD
         897386          AMERICAN HOME MORTGAGE                          IN                47150          1 FAMILY
         934339          AMERICAN HOME MORTGAGE                          OR                97301          1 FAMILY
         919316          AMERICAN HOME MORTGAGE                          NY                10509          1 FAMILY
         930788          AMERICAN HOME MORTGAGE                          CO                80033          2 - 4 FAM
         903928          AMERICAN HOME MORTGAGE                          VA                24502          1 FAMILY
         930785          AMERICAN HOME MORTGAGE                          CO                80401          2 - 4 FAM
         930778          AMERICAN HOME MORTGAGE                          CO                80004          2 - 4 FAM
         930781          AMERICAN HOME MORTGAGE                          CO                80401          2 - 4 FAM
         937762          AMERICAN HOME MORTGAGE                          CA                93274          1 FAMILY
         932451          AMERICAN HOME MORTGAGE                          ID                83628          1 FAMILY
         914923          AMERICAN HOME MORTGAGE                          NY                12498          1 FAMILY
         920140          AMERICAN HOME MORTGAGE                          TN                37216          1 FAMILY
         924386          AMERICAN HOME MORTGAGE                          TN                37115          2 - 4 FAM
         883828          AMERICAN HOME MORTGAGE                          FL                32092          PUD
         930341          AMERICAN HOME MORTGAGE                          FL                34982          2 - 4 FAM
         946865          AMERICAN HOME MORTGAGE                          IL                60133          1 FAMILY
         921380          AMERICAN HOME MORTGAGE                          NY                12550          2 - 4 FAM
         900823          AMERICAN HOME MORTGAGE                          NC                28078          PUD
         897029          AMERICAN HOME MORTGAGE                          OH                45784          1 FAMILY
         892963          AMERICAN HOME MORTGAGE                          CT                 6096          1 FAMILY
         882252          AMERICAN HOME MORTGAGE                          CT                 6516          1 FAMILY
         900735          AMERICAN HOME MORTGAGE                          DC                20011          2 - 4 FAM
         918004          AMERICAN HOME MORTGAGE                          UT                84119          CONDO
         938412          AMERICAN HOME MORTGAGE                          NC                27410          2 - 4 FAM
         883039          AMERICAN HOME MORTGAGE                          CA                92404          1 FAMILY
         936110          AMERICAN HOME MORTGAGE                          KY                41101          1 FAMILY
         901349          AMERICAN HOME MORTGAGE                          VA                20191          PUD
         920405          AMERICAN HOME MORTGAGE                          FL                33010          2 - 4 FAM
         943945          AMERICAN HOME MORTGAGE                          TX                78217          PUD
         926817          AMERICAN HOME MORTGAGE                          CA                95667          1 FAMILY
         932052          AMERICAN HOME MORTGAGE                          NY                10988          1 FAMILY
         932404          AMERICAN HOME MORTGAGE                          NJ                 7407          1 FAMILY
         904340          AMERICAN HOME MORTGAGE                          NY                11758          1 FAMILY
         920171          AMERICAN HOME MORTGAGE                          RI                 2904          2 - 4 FAM
         936153          AMERICAN HOME MORTGAGE                          MN                55106          2 - 4 FAM
         920101          AMERICAN HOME MORTGAGE                          GA                30076          1 FAMILY
         915367          AMERICAN HOME MORTGAGE                          OH                44278          1 FAMILY
         900611          AMERICAN HOME MORTGAGE                          OR                97756          2 - 4 FAM
         938247          AMERICAN HOME MORTGAGE                          NC                27704          1 FAMILY
         935090          AMERICAN HOME MORTGAGE                          NY                11358          1 FAMILY
         948195          AMERICAN HOME MORTGAGE                          NC                28078          1 FAMILY
         925046          AMERICAN HOME MORTGAGE                          GA                30127          1 FAMILY
         933691          AMERICAN HOME MORTGAGE                          OH                45415          1 FAMILY
         866903          AMERICAN HOME MORTGAGE                          IL                60202          1 FAMILY
         925137          AMERICAN HOME MORTGAGE                          CA                95816          1 FAMILY
         902629          AMERICAN HOME MORTGAGE                          NY                11726          1 FAMILY
         933546          AMERICAN HOME MORTGAGE                          DE                19970          PUD
         923704          AMERICAN HOME MORTGAGE                          GA                30269          PUD
         935572          AMERICAN HOME MORTGAGE                          NJ                 7661          1 FAMILY
         924698          AMERICAN HOME MORTGAGE                          FL                33316          CONDO
         922738          AMERICAN HOME MORTGAGE                          SC                29466          PUD
         934956          AMERICAN HOME MORTGAGE                          IL                62243          1 FAMILY
         932240          AMERICAN HOME MORTGAGE                          TX                75081          1 FAMILY
         924773          AMERICAN HOME MORTGAGE                          NY                10019          CONDO
         948737          AMERICAN HOME MORTGAGE                          LA                70501          1 FAMILY
         948968          AMERICAN HOME MORTGAGE                          LA                70501          1 FAMILY
         938874          AMERICAN HOME MORTGAGE                          WI                53020          CONDO
         922613          AMERICAN HOME MORTGAGE                          IL                60077          1 FAMILY
         946518          AMERICAN HOME MORTGAGE                          MD                21050          CONDO
         898120          AMERICAN HOME MORTGAGE                          MA                 1851          2 - 4 FAM
         928340          AMERICAN HOME MORTGAGE                          CO                81004          1 FAMILY
         915811          AMERICAN HOME MORTGAGE                          MD                20774          1 FAMILY
         919178          AMERICAN HOME MORTGAGE                          NJ                 7508          2 - 4 FAM
         940419          AMERICAN HOME MORTGAGE                          ME                 4087          1 FAMILY
         927528          AMERICAN HOME MORTGAGE                          WA                99205          1 FAMILY
         901116          AMERICAN HOME MORTGAGE                          IN                46320          2 - 4 FAM
         932095          AMERICAN HOME MORTGAGE                          CO                80550          PUD
         903708          AMERICAN HOME MORTGAGE                          RI                 2893          1 FAMILY
         916813          AMERICAN HOME MORTGAGE                          PA                19143          2 - 4 FAM
         922156          AMERICAN HOME MORTGAGE                          CO                81435          CONDO
         897698          AMERICAN HOME MORTGAGE                          CA                90631          PUD
         921730          AMERICAN HOME MORTGAGE                          RI                 2905          2 - 4 FAM
         940599          AMERICAN HOME MORTGAGE                          TN                37067          1 FAMILY
         935383          AMERICAN HOME MORTGAGE                          CA                92806          1 FAMILY
         910898          AMERICAN HOME MORTGAGE                          CA                90277          CONDO
         877421          AMERICAN HOME MORTGAGE                          IL                60187          1 FAMILY
         923450          AMERICAN HOME MORTGAGE                          CA                92683          PUD
         927895          AMERICAN HOME MORTGAGE                          CA                95501          1 FAMILY
         940534          AMERICAN HOME MORTGAGE                          MO                63304          1 FAMILY
         927137          AMERICAN HOME MORTGAGE                          SD                57201          1 FAMILY
         944637          AMERICAN HOME MORTGAGE                          TX                77066          2 - 4 FAM
         934894          AMERICAN HOME MORTGAGE                          ID                83651          1 FAMILY
         888446          AMERICAN HOME MORTGAGE                          NY                12754          1 FAMILY
         941754          AMERICAN HOME MORTGAGE                          RI                 2889          1 FAMILY
         942181          AMERICAN HOME MORTGAGE                          ME                 4481          1 FAMILY
         913934          AMERICAN HOME MORTGAGE                          FL                34120          PUD
         922617          AMERICAN HOME MORTGAGE                          NJ                 7869          1 FAMILY
         884468          AMERICAN HOME MORTGAGE                          ID                83854          2 - 4 FAM
         933290          AMERICAN HOME MORTGAGE                          TX                76103          1 FAMILY
         948598          AMERICAN HOME MORTGAGE                          LA                70508          1 FAMILY
         900637          AMERICAN HOME MORTGAGE                          CA                95240          1 FAMILY
         937165          AMERICAN HOME MORTGAGE                          FL                33142          1 FAMILY
         940528          AMERICAN HOME MORTGAGE                          MA                 1915          1 FAMILY
         924018          AMERICAN HOME MORTGAGE                          MA                 2718          1 FAMILY
         900500          AMERICAN HOME MORTGAGE                          UT                84121          2 - 4 FAM
         937145          AMERICAN HOME MORTGAGE                          DE                19720          1 FAMILY
         913440          AMERICAN HOME MORTGAGE                          VA                23456          1 FAMILY
         937232          AMERICAN HOME MORTGAGE                          NJ                 8069          1 FAMILY
         793879          AMERICAN HOME MORTGAGE                          SC                29406          PUD
         940246          AMERICAN HOME MORTGAGE                          TX                78723          2 - 4 FAM
         940410          AMERICAN HOME MORTGAGE                          TX                78723          2 - 4 FAM
         884239          AMERICAN HOME MORTGAGE                          NJ                 8901          1 FAMILY
         948803          AMERICAN HOME MORTGAGE                          OR                97302          1 FAMILY
         955459          AMERICAN HOME MORTGAGE                          IL                60139          1 FAMILY
         882337          AMERICAN HOME MORTGAGE                          NY                11433          2 - 4 FAM
         947429          AMERICAN HOME MORTGAGE                          CO                80232          1 FAMILY
         941658          AMERICAN HOME MORTGAGE                          CO                80421          CONDO
         931430          AMERICAN HOME MORTGAGE                          NJ                 8034          1 FAMILY
         937413          AMERICAN HOME MORTGAGE                          KY                40212          1 FAMILY
         922183          AMERICAN HOME MORTGAGE                          GA                30286          1 FAMILY
         922187          AMERICAN HOME MORTGAGE                          GA                30286          1 FAMILY
         922192          AMERICAN HOME MORTGAGE                          GA                30256          1 FAMILY
         954848          AMERICAN HOME MORTGAGE                          TX                76028          PUD
         915014          AMERICAN HOME MORTGAGE                          RI                 2914          2 - 4 FAM
         935583          AMERICAN HOME MORTGAGE                          FL                32312          1 FAMILY
         926099          AMERICAN HOME MORTGAGE                          TX                76107          1 FAMILY
         942479          AMERICAN HOME MORTGAGE                          WA                98253          PUD
         917123          AMERICAN HOME MORTGAGE                          FL                32259          PUD
         884423          AMERICAN HOME MORTGAGE                          ID                83835          1 FAMILY
         884303          AMERICAN HOME MORTGAGE                          ID                83835          1 FAMILY
         952277          AMERICAN HOME MORTGAGE                          WA                99163          1 FAMILY
         920986          AMERICAN HOME MORTGAGE                          NY                11701          CONDO
         934980          AMERICAN HOME MORTGAGE                          FL                33175          CONDO
         890830          AMERICAN HOME MORTGAGE                          CA                90047          1 FAMILY
         943865          AMERICAN HOME MORTGAGE                          FL                32217          1 FAMILY
         918575          AMERICAN HOME MORTGAGE                          FL                34103          CONDO
         949826          AMERICAN HOME MORTGAGE                          SD                57106          1 FAMILY
         915081          AMERICAN HOME MORTGAGE                          MA                 2081          1 FAMILY
         912281          AMERICAN HOME MORTGAGE                          OH                43614          CONDO
         930101          AMERICAN HOME MORTGAGE                          TX                78330          1 FAMILY
         937977          AMERICAN HOME MORTGAGE                          GA                30152          1 FAMILY
         942546          AMERICAN HOME MORTGAGE                          MD                21050          1 FAMILY
         946218          AMERICAN HOME MORTGAGE                          LA                70075          1 FAMILY
         913614          AMERICAN HOME MORTGAGE                          CA                91016          1 FAMILY
         903425          AMERICAN HOME MORTGAGE                          CT                 6824          1 FAMILY
         932038          AMERICAN HOME MORTGAGE                          CA                94134          1 FAMILY
         932310          AMERICAN HOME MORTGAGE                          OR                97218          1 FAMILY
         927535          AMERICAN HOME MORTGAGE                          MA                 1467          1 FAMILY
         930612          AMERICAN HOME MORTGAGE                          IL                60087          1 FAMILY
         944307          AMERICAN HOME MORTGAGE                          CA                92663          PUD
         873896          AMERICAN HOME MORTGAGE                          CA                91911          2 - 4 FAM
         948787          AMERICAN HOME MORTGAGE                          FL                32824          PUD
         903290          AMERICAN HOME MORTGAGE                          NY                11772          1 FAMILY
         926868          AMERICAN HOME MORTGAGE                          SD                57201          1 FAMILY
         907806          AMERICAN HOME MORTGAGE                          FL                33955          1 FAMILY
         910093          AMERICAN HOME MORTGAGE                          NY                11420          1 FAMILY
         948169          AMERICAN HOME MORTGAGE                          MI                49409          2 - 4 FAM
         922961          AMERICAN HOME MORTGAGE                          CA                95355          1 FAMILY
         938694          AMERICAN HOME MORTGAGE                          MA                 2124          2 - 4 FAM
         910909          AMERICAN HOME MORTGAGE                          TX                75254          1 FAMILY
         941049          AMERICAN HOME MORTGAGE                          NV                89129          PUD
         936639          AMERICAN HOME MORTGAGE                          CT                 6482          1 FAMILY
         939693          AMERICAN HOME MORTGAGE                          OK                73071          1 FAMILY
         934203          AMERICAN HOME MORTGAGE                          FL                33179          CONDO
         910453          AMERICAN HOME MORTGAGE                          MN                55408          CONDO
         939829          AMERICAN HOME MORTGAGE                          OH                45840          1 FAMILY
         916107          AMERICAN HOME MORTGAGE                          UT                84003          1 FAMILY
         941648          AMERICAN HOME MORTGAGE                          MA                 2125          2 - 4 FAM
         929280          AMERICAN HOME MORTGAGE                          OR                97080          1 FAMILY
         907912          AMERICAN HOME MORTGAGE                          PA                19147          1 FAMILY
         943933          AMERICAN HOME MORTGAGE                          NC                27925          1 FAMILY
         928270          AMERICAN HOME MORTGAGE                          NH                 3251          1 FAMILY
         931414          AMERICAN HOME MORTGAGE                          NY                10606          1 FAMILY
         921262          AMERICAN HOME MORTGAGE                          IL                60005          1 FAMILY
         949885          AMERICAN HOME MORTGAGE                          CA                93453          1 FAMILY
         949377          AMERICAN HOME MORTGAGE                          TX                78620          1 FAMILY
         929810          AMERICAN HOME MORTGAGE                          NY                11768          2 - 4 FAM
         897307          AMERICAN HOME MORTGAGE                          HI                96825          1 FAMILY
         947931          AMERICAN HOME MORTGAGE                          WA                98034          1 FAMILY
         937578          AMERICAN HOME MORTGAGE                          CA                92691          1 FAMILY
         931616          AMERICAN HOME MORTGAGE                          CA                92352          1 FAMILY
         917534          AMERICAN HOME MORTGAGE                          WI                53210          2 - 4 FAM
         915307          AMERICAN HOME MORTGAGE                          CA                96094          2 - 4 FAM
         957822          AMERICAN HOME MORTGAGE                          OH                45242          CONDO
         940791          AMERICAN HOME MORTGAGE                          NY                11940          1 FAMILY
         818321          AMERICAN HOME MORTGAGE                          VA                20141          1 FAMILY
         943430          AMERICAN HOME MORTGAGE                          OR                97470          PUD
         934800          AMERICAN HOME MORTGAGE                          NC                28105          PUD
         949263          AMERICAN HOME MORTGAGE                          TN                38058          1 FAMILY
         955056          AMERICAN HOME MORTGAGE                          CA                93274          1 FAMILY
         912530          AMERICAN HOME MORTGAGE                          CA                93442          1 FAMILY
         943715          AMERICAN HOME MORTGAGE                          MD                21213          1 FAMILY
         949722          AMERICAN HOME MORTGAGE                          OH                45242          CONDO
         928921          AMERICAN HOME MORTGAGE                          CO                80133          1 FAMILY
         927129          AMERICAN HOME MORTGAGE                          CA                92251          1 FAMILY
         922515          AMERICAN HOME MORTGAGE                          PA                15116          1 FAMILY
         944077          AMERICAN HOME MORTGAGE                          AZ                85204          1 FAMILY
         926822          AMERICAN HOME MORTGAGE                          CA                96094          PUD
         940858          AMERICAN HOME MORTGAGE                          IL                60463          1 FAMILY
         901660          AMERICAN HOME MORTGAGE                          NY                11703          2 - 4 FAM
         944760          AMERICAN HOME MORTGAGE                          FL                32829          PUD
         941535          AMERICAN HOME MORTGAGE                          CA                95255          1 FAMILY
         933574          AMERICAN HOME MORTGAGE                          NH                 3867          1 FAMILY
         944159          AMERICAN HOME MORTGAGE                          CA                93630          1 FAMILY
         927456          AMERICAN HOME MORTGAGE                          IL                60915          2 - 4 FAM
         949632          AMERICAN HOME MORTGAGE                          OH                45219          2 - 4 FAM
         917259          AMERICAN HOME MORTGAGE                          ME                 4539          1 FAMILY
         912251          AMERICAN HOME MORTGAGE                          NJ                 8096          1 FAMILY
         946988          AMERICAN HOME MORTGAGE                          WA                98058          CONDO
         943841          AMERICAN HOME MORTGAGE                          CO                80602          PUD
         887104          AMERICAN HOME MORTGAGE                          KY                42301          2 - 4 FAM
         887098          AMERICAN HOME MORTGAGE                          KY                42301          2 - 4 FAM
         887105          AMERICAN HOME MORTGAGE                          KY                42301          2 - 4 FAM
         887106          AMERICAN HOME MORTGAGE                          KY                42301          2 - 4 FAM
         887109          AMERICAN HOME MORTGAGE                          KY                42301          2 - 4 FAM
         888559          AMERICAN HOME MORTGAGE                          FL                34695          1 FAMILY
         895205          AMERICAN HOME MORTGAGE                          CT                 6378          2 - 4 FAM
         889418          AMERICAN HOME MORTGAGE                          NC                27103          1 FAMILY
         889412          AMERICAN HOME MORTGAGE                          NC                27012          1 FAMILY
         879994          AMERICAN HOME MORTGAGE                          PA                18964          1 FAMILY
         899619          AMERICAN HOME MORTGAGE                          CA                92240          1 FAMILY
         896373          AMERICAN HOME MORTGAGE                          MA                 2532          1 FAMILY
         893506          AMERICAN HOME MORTGAGE                          FL                33917          CONDO
         813365          AMERICAN HOME MORTGAGE                          SC                29321          1 FAMILY
         813314          AMERICAN HOME MORTGAGE                          SC                29379          1 FAMILY
         830135          AMERICAN HOME MORTGAGE                          SC                29330          1 FAMILY
         890264          AMERICAN HOME MORTGAGE                          IL                60610          CONDO
         883525          AMERICAN HOME MORTGAGE                          WA                98033          CONDO
         896164          AMERICAN HOME MORTGAGE                          CA                94131          1 FAMILY
         880784          AMERICAN HOME MORTGAGE                          WA                98225          1 FAMILY
         906840          AMERICAN HOME MORTGAGE                          IL                60618          2 - 4 FAM
         885080          AMERICAN HOME MORTGAGE                          CA                92240          1 FAMILY
         918210          AMERICAN HOME MORTGAGE                          IL                60653          CONDO
         892437          AMERICAN HOME MORTGAGE                          FL                34677          CONDO
         902393          AMERICAN HOME MORTGAGE                          GA                30317          1 FAMILY
         904691          AMERICAN HOME MORTGAGE                          OR                97206          1 FAMILY
         913721          AMERICAN HOME MORTGAGE                          MD                20854          1 FAMILY
         909321          AMERICAN HOME MORTGAGE                          OR                97039          1 FAMILY
         896366          AMERICAN HOME MORTGAGE                          FL                32926          1 FAMILY
         908639          AMERICAN HOME MORTGAGE                          FL                33186          CONDO
         892131          AMERICAN HOME MORTGAGE                          IL                60707          1 FAMILY
         879274          AMERICAN HOME MORTGAGE                          IL                60505          2 - 4 FAM
         906324          AMERICAN HOME MORTGAGE                          SC                29412          PUD
         922159          AMERICAN HOME MORTGAGE                          OH                45157          1 FAMILY
         894523          AMERICAN HOME MORTGAGE                          OR                97058          2 - 4 FAM
         892127          AMERICAN HOME MORTGAGE                          CA                90064          1 FAMILY
         906202          AMERICAN HOME MORTGAGE                          CA                95747          PUD
         911253          AMERICAN HOME MORTGAGE                          FL                33015          1 FAMILY
         905536          AMERICAN HOME MORTGAGE                          WA                98014          1 FAMILY
         907633          AMERICAN HOME MORTGAGE                          AZ                85033          1 FAMILY
         850389          AMERICAN HOME MORTGAGE                          NC                28081          1 FAMILY
         880768          AMERICAN HOME MORTGAGE                          CA                94606          2 - 4 FAM
         850402          AMERICAN HOME MORTGAGE                          NC                28023          1 FAMILY
         895395          AMERICAN HOME MORTGAGE                          OR                97222          1 FAMILY
         891296          AMERICAN HOME MORTGAGE                          MI                48219          1 FAMILY
         911619          AMERICAN HOME MORTGAGE                          GA                31548          1 FAMILY
         905586          AMERICAN HOME MORTGAGE                          MI                48383          1 FAMILY
         885875          AMERICAN HOME MORTGAGE                          HI                96706          PUD
         888355          AMERICAN HOME MORTGAGE                          NJ                 8234          PUD
         866138          AMERICAN HOME MORTGAGE                          OH                44060          CONDO
         900019          AMERICAN HOME MORTGAGE                          FL                34952          1 FAMILY
         867054          AMERICAN HOME MORTGAGE                          MD                21015          PUD
         911186          AMERICAN HOME MORTGAGE                          AZ                85242          PUD
         924738          AMERICAN HOME MORTGAGE                          FL                33544          PUD
         910112          AMERICAN HOME MORTGAGE                          CA                95828          1 FAMILY
         887530          AMERICAN HOME MORTGAGE                          AZ                85037          1 FAMILY
         914996          AMERICAN HOME MORTGAGE                          OH                43130          1 FAMILY
         889262          AMERICAN HOME MORTGAGE                          CA                95628          1 FAMILY
         913362          AMERICAN HOME MORTGAGE                          LA                70508          2 - 4 FAM
         913573          AMERICAN HOME MORTGAGE                          LA                70508          2 - 4 FAM
         908461          AMERICAN HOME MORTGAGE                          CA                95693          1 FAMILY
         847702          AMERICAN HOME MORTGAGE                          DE                19703          2 - 4 FAM
         903894          AMERICAN HOME MORTGAGE                          UT                84312          1 FAMILY
         893798          AMERICAN HOME MORTGAGE                          CA                92253          1 FAMILY
         917241          AMERICAN HOME MORTGAGE                          MN                55374          PUD
         870168          AMERICAN HOME MORTGAGE                          NY                11796          1 FAMILY
         875629          AMERICAN HOME MORTGAGE                          DC                20002          1 FAMILY
         865796          AMERICAN HOME MORTGAGE                          NY                11542          2 - 4 FAM
         903951          AMERICAN HOME MORTGAGE                          CA                95835          PUD
         909261          AMERICAN HOME MORTGAGE                          CA                95828          1 FAMILY
         892075          AMERICAN HOME MORTGAGE                          GA                30114          1 FAMILY
         887117          AMERICAN HOME MORTGAGE                          FL                33319          1 FAMILY
         903222          AMERICAN HOME MORTGAGE                          IN                47404          1 FAMILY
         902735          AMERICAN HOME MORTGAGE                          NY                11234          1 FAMILY
         931900          AMERICAN HOME MORTGAGE                          NC                27106          1 FAMILY
         902076          AMERICAN HOME MORTGAGE                          NJ                 8691          CONDO
         889471          AMERICAN HOME MORTGAGE                          FL                34472          1 FAMILY
         861620          AMERICAN HOME MORTGAGE                          IA                50035          1 FAMILY
         885329          AMERICAN HOME MORTGAGE                          FL                33544          PUD
         885326          AMERICAN HOME MORTGAGE                          FL                32955          PUD
         918913          AMERICAN HOME MORTGAGE                          VA                22303          CONDO
         908351          AMERICAN HOME MORTGAGE                          SC                29605          PUD
         825255          AMERICAN HOME MORTGAGE                          FL                33908          CONDO
         910115          AMERICAN HOME MORTGAGE                          PA                15301          2 - 4 FAM
         901982          AMERICAN HOME MORTGAGE                          CA                91741          2 - 4 FAM
         925854          AMERICAN HOME MORTGAGE                          CA                95821          1 FAMILY
         895792          AMERICAN HOME MORTGAGE                          CA                92314          1 FAMILY
         854856          AMERICAN HOME MORTGAGE                          CA                90302          1 FAMILY
         894103          AMERICAN HOME MORTGAGE                          NY                11731          1 FAMILY
         928954          AMERICAN HOME MORTGAGE                          SD                57701          1 FAMILY
         900585          AMERICAN HOME MORTGAGE                          MA                 1602          2 - 4 FAM
         910825          AMERICAN HOME MORTGAGE                          ID                83669          1 FAMILY
         901501          AMERICAN HOME MORTGAGE                          CA                94062          1 FAMILY
         906566          AMERICAN HOME MORTGAGE                          MA                 2649          1 FAMILY
         901540          AMERICAN HOME MORTGAGE                          NV                89129          1 FAMILY
         829489          AMERICAN HOME MORTGAGE                          VA                20180          1 FAMILY
         901461          AMERICAN HOME MORTGAGE                          CA                92882          PUD
         899222          AMERICAN HOME MORTGAGE                          NJ                 7087          2 - 4 FAM
         902383          AMERICAN HOME MORTGAGE                          AZ                85379          PUD
         898304          AMERICAN HOME MORTGAGE                          MA                 2719          1 FAMILY
         915058          AMERICAN HOME MORTGAGE                          OH                43050          1 FAMILY
         878678          AMERICAN HOME MORTGAGE                          CA                95946          PUD
         896203          AMERICAN HOME MORTGAGE                          CA                90621          1 FAMILY
         885024          AMERICAN HOME MORTGAGE                          TX                75154          1 FAMILY
         856183          AMERICAN HOME MORTGAGE                          NY                10952          1 FAMILY
         926795          AMERICAN HOME MORTGAGE                          FL                33716          CONDO
         901752          AMERICAN HOME MORTGAGE                          RI                 2865          2 - 4 FAM
         892150          AMERICAN HOME MORTGAGE                          PA                19115          2 - 4 FAM
         890459          AMERICAN HOME MORTGAGE                          MD                21220          1 FAMILY
         906199          AMERICAN HOME MORTGAGE                          CA                96130          2 - 4 FAM
         899675          AMERICAN HOME MORTGAGE                          CA                92501          2 - 4 FAM
         906264          AMERICAN HOME MORTGAGE                          FL                33129          1 FAMILY
         887458          AMERICAN HOME MORTGAGE                          IL                60641          2 - 4 FAM
         909018          AMERICAN HOME MORTGAGE                          NY                11787          1 FAMILY
         928500          AMERICAN HOME MORTGAGE                          SC                29229          PUD
         919532          AMERICAN HOME MORTGAGE                          MI                48234          1 FAMILY
         939627          AMERICAN HOME MORTGAGE                          IN                46123          PUD
         887828          AMERICAN HOME MORTGAGE                          CO                81225          CONDO
         908942          AMERICAN HOME MORTGAGE                          FL                33480          CONDO
         917752          AMERICAN HOME MORTGAGE                          AZ                85024          PUD
         916575          AMERICAN HOME MORTGAGE                          TX                78613          1 FAMILY
         925754          AMERICAN HOME MORTGAGE                          GA                30135          1 FAMILY
         891019          AMERICAN HOME MORTGAGE                          OH                44052          2 - 4 FAM
         918563          AMERICAN HOME MORTGAGE                          NC                27107          1 FAMILY
         918615          AMERICAN HOME MORTGAGE                          NC                27101          1 FAMILY
         903921          AMERICAN HOME MORTGAGE                          NC                28262          1 FAMILY
         887464          AMERICAN HOME MORTGAGE                          GA                30066          PUD
         922877          AMERICAN HOME MORTGAGE                          CA                95207          PUD
         904220          AMERICAN HOME MORTGAGE                          NC                27284          1 FAMILY
         912708          AMERICAN HOME MORTGAGE                          IL                60655          1 FAMILY
         875987          AMERICAN HOME MORTGAGE                          FL                33759          1 FAMILY
         883836          AMERICAN HOME MORTGAGE                          NY                11789          1 FAMILY
         920566          AMERICAN HOME MORTGAGE                          MD                21237          1 FAMILY
         911595          AMERICAN HOME MORTGAGE                          FL                33441          1 FAMILY
         917484          AMERICAN HOME MORTGAGE                          KY                40299          CONDO
         932452          AMERICAN HOME MORTGAGE                          OH                43130          1 FAMILY
         895945          AMERICAN HOME MORTGAGE                          MD                21234          1 FAMILY
         893879          AMERICAN HOME MORTGAGE                          CO                80207          1 FAMILY
         897760          AMERICAN HOME MORTGAGE                          IA                50323          1 FAMILY
         913224          AMERICAN HOME MORTGAGE                          AZ                85239          PUD
         913316          AMERICAN HOME MORTGAGE                          MD                20815          CONDO
         848735          AMERICAN HOME MORTGAGE                          TX                75149          1 FAMILY
         848708          AMERICAN HOME MORTGAGE                          TX                75149          1 FAMILY
         848688          AMERICAN HOME MORTGAGE                          TX                75040          1 FAMILY
         848626          AMERICAN HOME MORTGAGE                          TX                75217          1 FAMILY
         848748          AMERICAN HOME MORTGAGE                          TX                75043          1 FAMILY
         848696          AMERICAN HOME MORTGAGE                          TX                75040          1 FAMILY
         848720          AMERICAN HOME MORTGAGE                          TX                75040          1 FAMILY
         848658          AMERICAN HOME MORTGAGE                          TX                75149          1 FAMILY
         848743          AMERICAN HOME MORTGAGE                          TX                75041          1 FAMILY
         848729          AMERICAN HOME MORTGAGE                          TX                75089          1 FAMILY
         912763          AMERICAN HOME MORTGAGE                          FL                33155          1 FAMILY
         892890          AMERICAN HOME MORTGAGE                          NY                11713          1 FAMILY
         921758          AMERICAN HOME MORTGAGE                          LA                70447          1 FAMILY
         875571          AMERICAN HOME MORTGAGE                          AZ                85220          PUD
         900917          AMERICAN HOME MORTGAGE                          MI                48183          1 FAMILY
         906164          AMERICAN HOME MORTGAGE                          AZ                85260          1 FAMILY
         851017          AMERICAN HOME MORTGAGE                          MA                 2739          1 FAMILY
         890572          AMERICAN HOME MORTGAGE                          CA                95367          1 FAMILY
         925874          AMERICAN HOME MORTGAGE                          UT                84074          1 FAMILY
         895089          AMERICAN HOME MORTGAGE                          CA                90002          2 - 4 FAM
         935468          AMERICAN HOME MORTGAGE                          MO                63012          1 FAMILY
         898650          AMERICAN HOME MORTGAGE                          NJ                 7093          2 - 4 FAM
         913534          AMERICAN HOME MORTGAGE                          FL                33073          1 FAMILY
         906192          AMERICAN HOME MORTGAGE                          NV                89117          1 FAMILY
         917999          AMERICAN HOME MORTGAGE                          IL                60098          1 FAMILY
         912665          AMERICAN HOME MORTGAGE                          ID                83704          1 FAMILY
         924810          AMERICAN HOME MORTGAGE                          FL                33881          PUD
         919337          AMERICAN HOME MORTGAGE                          WA                98270          2 - 4 FAM
         919761          AMERICAN HOME MORTGAGE                          UT                84119          2 - 4 FAM
         917539          AMERICAN HOME MORTGAGE                          FL                33611          1 FAMILY
         899496          AMERICAN HOME MORTGAGE                          CA                92234          2 - 4 FAM
         896206          AMERICAN HOME MORTGAGE                          CA                92583          2 - 4 FAM
         925187          AMERICAN HOME MORTGAGE                          CO                80020          1 FAMILY
         922845          AMERICAN HOME MORTGAGE                          OH                43560          1 FAMILY
         927984          AMERICAN HOME MORTGAGE                          NV                89511          1 FAMILY
         890117          AMERICAN HOME MORTGAGE                          MD                21401          1 FAMILY
         907127          AMERICAN HOME MORTGAGE                          MA                 2370          1 FAMILY
         870159          AMERICAN HOME MORTGAGE                          SC                29405          2 - 4 FAM
         876900          AMERICAN HOME MORTGAGE                          SC                29405          2 - 4 FAM
         876904          AMERICAN HOME MORTGAGE                          SC                29405          2 - 4 FAM
         856793          AMERICAN HOME MORTGAGE                          MI                48224          1 FAMILY
         872976          AMERICAN HOME MORTGAGE                          CA                93021          PUD
         934154          AMERICAN HOME MORTGAGE                          CA                90713          1 FAMILY
         912419          AMERICAN HOME MORTGAGE                          FL                33024          1 FAMILY
         908782          AMERICAN HOME MORTGAGE                          AZ                85323          PUD
         933418          AMERICAN HOME MORTGAGE                          OH                45013          1 FAMILY
         918978          AMERICAN HOME MORTGAGE                          UT                84062          1 FAMILY
         921118          AMERICAN HOME MORTGAGE                          PA                17402          PUD
         898868          AMERICAN HOME MORTGAGE                          NC                28422          PUD
         902475          AMERICAN HOME MORTGAGE                          OH                44060          CONDO
         917375          AMERICAN HOME MORTGAGE                          NC                27405          1 FAMILY
         917461          AMERICAN HOME MORTGAGE                          NC                27405          1 FAMILY
         920461          AMERICAN HOME MORTGAGE                          WA                98284          PUD
         840267          AMERICAN HOME MORTGAGE                          PA                19139          1 FAMILY
         908650          AMERICAN HOME MORTGAGE                          VA                22205          1 FAMILY
         906555          AMERICAN HOME MORTGAGE                          MA                 2062          1 FAMILY
         910044          AMERICAN HOME MORTGAGE                          CA                95946          PUD
         919395          AMERICAN HOME MORTGAGE                          NY                11776          1 FAMILY
         906245          AMERICAN HOME MORTGAGE                          MD                20707          PUD
         927987          AMERICAN HOME MORTGAGE                          OH                44117          1 FAMILY
         928595          AMERICAN HOME MORTGAGE                          OR                97213          1 FAMILY
         900039          AMERICAN HOME MORTGAGE                          NC                27107          1 FAMILY
         917813          AMERICAN HOME MORTGAGE                          UT                84043          1 FAMILY
         915596          AMERICAN HOME MORTGAGE                          MA                 2351          CONDO
         906010          AMERICAN HOME MORTGAGE                          VA                23455          1 FAMILY
         892608          AMERICAN HOME MORTGAGE                          HI                96717          CONDO
         937487          AMERICAN HOME MORTGAGE                          CA                93728          1 FAMILY
         920056          AMERICAN HOME MORTGAGE                          VA                22303          CONDO
         903247          AMERICAN HOME MORTGAGE                          CA                92867          2 - 4 FAM
         928003          AMERICAN HOME MORTGAGE                          IL                60510          1 FAMILY
         913527          AMERICAN HOME MORTGAGE                          NJ                 7508          1 FAMILY
         928060          AMERICAN HOME MORTGAGE                          CO                81521          1 FAMILY
         926014          AMERICAN HOME MORTGAGE                          MD                20723          1 FAMILY
         929206          AMERICAN HOME MORTGAGE                          SD                57718          1 FAMILY
         902806          AMERICAN HOME MORTGAGE                          OR                97106          PUD
         927595          AMERICAN HOME MORTGAGE                          CA                95336          1 FAMILY
         929210          AMERICAN HOME MORTGAGE                          VA                23456          PUD
         916610          AMERICAN HOME MORTGAGE                          CA                93551          PUD
         920686          AMERICAN HOME MORTGAGE                          VA                20121          PUD
         869035          AMERICAN HOME MORTGAGE                          NY                11420          2 - 4 FAM
         901725          AMERICAN HOME MORTGAGE                          NC                28465          2 - 4 FAM
         900892          AMERICAN HOME MORTGAGE                          NV                89143          1 FAMILY
         909955          AMERICAN HOME MORTGAGE                          CA                95678          1 FAMILY
         772144          AMERICAN HOME MORTGAGE                          GA                30306          1 FAMILY
         920649          AMERICAN HOME MORTGAGE                          GA                30075          1 FAMILY
         926340          AMERICAN HOME MORTGAGE                          IL                60133          1 FAMILY
         793814          AMERICAN HOME MORTGAGE                          CT                 6098          1 FAMILY
         911932          AMERICAN HOME MORTGAGE                          RI                 2889          1 FAMILY
         758739          AMERICAN HOME MORTGAGE                          SC                29483          PUD
         910875          AMERICAN HOME MORTGAGE                          OR                97007          1 FAMILY
         920004          AMERICAN HOME MORTGAGE                          CA                90807          1 FAMILY
         899492          AMERICAN HOME MORTGAGE                          NC                27523          1 FAMILY
         925385          AMERICAN HOME MORTGAGE                          CO                80134          PUD
         859356          AMERICAN HOME MORTGAGE                          VA                20141          1 FAMILY
         929722          AMERICAN HOME MORTGAGE                          FL                34117          1 FAMILY
         866666          AMERICAN HOME MORTGAGE                          MT                59715          PUD
         902772          AMERICAN HOME MORTGAGE                          IL                60025          1 FAMILY
         939062          AMERICAN HOME MORTGAGE                          FL                33186          CONDO
         893903          AMERICAN HOME MORTGAGE                          NV                89131          PUD
         911962          AMERICAN HOME MORTGAGE                          IL                60126          1 FAMILY
         898504          AMERICAN HOME MORTGAGE                          VA                24315          1 FAMILY
         907624          AMERICAN HOME MORTGAGE                          CA                94590          1 FAMILY
         928859          AMERICAN HOME MORTGAGE                          SC                29485          PUD
         911536          AMERICAN HOME MORTGAGE                          NY                11772          1 FAMILY
         924921          AMERICAN HOME MORTGAGE                          NV                89012          PUD
         925584          AMERICAN HOME MORTGAGE                          GA                30296          1 FAMILY
         886464          AMERICAN HOME MORTGAGE                          VA                22642          1 FAMILY
         914690          AMERICAN HOME MORTGAGE                          CA                95834          1 FAMILY
         916293          AMERICAN HOME MORTGAGE                          AZ                85710          1 FAMILY
         912012          AMERICAN HOME MORTGAGE                          IL                60185          1 FAMILY
         911693          AMERICAN HOME MORTGAGE                          DC                20002          2 - 4 FAM
         918368          AMERICAN HOME MORTGAGE                          CA                95969          1 FAMILY
         848467          AMERICAN HOME MORTGAGE                          AZ                85257          CONDO
         891499          AMERICAN HOME MORTGAGE                          MD                20744          PUD
         925481          AMERICAN HOME MORTGAGE                          AZ                85226          CONDO
         923865          AMERICAN HOME MORTGAGE                          MD                20678          1 FAMILY
         777986          AMERICAN HOME MORTGAGE                          SC                29406          PUD
         920017          AMERICAN HOME MORTGAGE                          CA                95242          PUD
         923637          AMERICAN HOME MORTGAGE                          CA                90805          1 FAMILY
         899216          AMERICAN HOME MORTGAGE                          HI                96730          1 FAMILY
         896163          AMERICAN HOME MORTGAGE                          CA                95963          1 FAMILY
         914593          AMERICAN HOME MORTGAGE                          IL                60634          2 - 4 FAM
         914741          AMERICAN HOME MORTGAGE                          MD                20853          1 FAMILY
         938047          AMERICAN HOME MORTGAGE                          FL                33912          PUD
         941918          AMERICAN HOME MORTGAGE                          GA                30157          1 FAMILY
         903473          AMERICAN HOME MORTGAGE                          IL                60030          1 FAMILY
         926556          AMERICAN HOME MORTGAGE                          UT                84043          1 FAMILY
         917192          AMERICAN HOME MORTGAGE                          AZ                85032          CONDO
         833274          AMERICAN HOME MORTGAGE                          PA                19149          2 - 4 FAM
         922675          AMERICAN HOME MORTGAGE                          VA                23111          PUD
         906289          AMERICAN HOME MORTGAGE                          NV                89032          1 FAMILY
         938489          AMERICAN HOME MORTGAGE                          FL                32065          1 FAMILY
         912880          AMERICAN HOME MORTGAGE                          FL                33322          CONDO
         921375          AMERICAN HOME MORTGAGE                          OR                97213          1 FAMILY
         919458          AMERICAN HOME MORTGAGE                          FL                33133          2 - 4 FAM
         901733          AMERICAN HOME MORTGAGE                          OH                44077          1 FAMILY
         877886          AMERICAN HOME MORTGAGE                          NJ                 8540          1 FAMILY
         897788          AMERICAN HOME MORTGAGE                          CA                92025          PUD
         901517          AMERICAN HOME MORTGAGE                          NV                89103          1 FAMILY
         944804          AMERICAN HOME MORTGAGE                          CA                93704          CONDO
         907571          AMERICAN HOME MORTGAGE                          MA                 1570          2 - 4 FAM
         928399          AMERICAN HOME MORTGAGE                          FL                32224          PUD
         932474          AMERICAN HOME MORTGAGE                          FL                34202          PUD
         917014          AMERICAN HOME MORTGAGE                          DE                19971          1 FAMILY
         899082          AMERICAN HOME MORTGAGE                          IL                60714          1 FAMILY
         940293          AMERICAN HOME MORTGAGE                          OH                43206          1 FAMILY
         917557          AMERICAN HOME MORTGAGE                          RI                 2840          2 - 4 FAM
         947095          AMERICAN HOME MORTGAGE                          TX                75061          PUD
         902469          AMERICAN HOME MORTGAGE                          MI                48182          1 FAMILY
         940643          AMERICAN HOME MORTGAGE                          IL                60090          2 - 4 FAM
         934040          AMERICAN HOME MORTGAGE                          AZ                85335          1 FAMILY
         875502          AMERICAN HOME MORTGAGE                          CA                91752          1 FAMILY
         923601          AMERICAN HOME MORTGAGE                          NC                27403          1 FAMILY
         918200          AMERICAN HOME MORTGAGE                          FL                32829          PUD
         928137          AMERICAN HOME MORTGAGE                          VA                23701          1 FAMILY
         923451          AMERICAN HOME MORTGAGE                          OH                45230          1 FAMILY
         911847          AMERICAN HOME MORTGAGE                          CA                92117          1 FAMILY
         870830          AMERICAN HOME MORTGAGE                          MD                21040          PUD
         922905          AMERICAN HOME MORTGAGE                          CA                95242          1 FAMILY
         880788          AMERICAN HOME MORTGAGE                          CA                92103          2 - 4 FAM
         907307          AMERICAN HOME MORTGAGE                          CT                 6051          2 - 4 FAM
         911007          AMERICAN HOME MORTGAGE                          IL                60628          1 FAMILY
         918247          AMERICAN HOME MORTGAGE                          MD                21102          1 FAMILY
         932680          AMERICAN HOME MORTGAGE                          GA                30135          1 FAMILY
         849572          AMERICAN HOME MORTGAGE                          PA                15301          2 - 4 FAM
         908103          AMERICAN HOME MORTGAGE                          VA                23606          CONDO
         920003          AMERICAN HOME MORTGAGE                          NC                28023          1 FAMILY
         917369          AMERICAN HOME MORTGAGE                          CT                 6850          1 FAMILY
         928557          AMERICAN HOME MORTGAGE                          SC                29016          PUD
         897444          AMERICAN HOME MORTGAGE                          CA                90063          2 - 4 FAM
         905113          AMERICAN HOME MORTGAGE                          ME                 4061          1 FAMILY
         912087          AMERICAN HOME MORTGAGE                          CA                95945          1 FAMILY
         902642          AMERICAN HOME MORTGAGE                          IL                60073          CONDO
         938982          AMERICAN HOME MORTGAGE                          AZ                85710          1 FAMILY
         919747          AMERICAN HOME MORTGAGE                          CA                92231          1 FAMILY
         911868          AMERICAN HOME MORTGAGE                          MD                20833          PUD
         932627          AMERICAN HOME MORTGAGE                          OH                45013          1 FAMILY
         919265          AMERICAN HOME MORTGAGE                          MD                21044          PUD
         887600          AMERICAN HOME MORTGAGE                          NY                10927          1 FAMILY
         912652          AMERICAN HOME MORTGAGE                          HI                96782          CONDO
         923213          AMERICAN HOME MORTGAGE                          VA                23464          1 FAMILY
         940874          AMERICAN HOME MORTGAGE                          FL                33916          2 - 4 FAM
         905518          AMERICAN HOME MORTGAGE                          WA                98661          2 - 4 FAM
         920147          AMERICAN HOME MORTGAGE                          GA                30248          1 FAMILY
         926411          AMERICAN HOME MORTGAGE                          NJ                 8648          1 FAMILY
         927647          AMERICAN HOME MORTGAGE                          MD                21207          1 FAMILY
         832844          AMERICAN HOME MORTGAGE                          NY                11716          1 FAMILY
         910262          AMERICAN HOME MORTGAGE                          NY                11954          1 FAMILY
         890994          AMERICAN HOME MORTGAGE                          AZ                85375          PUD
         894404          AMERICAN HOME MORTGAGE                          CA                93924          1 FAMILY
         917979          AMERICAN HOME MORTGAGE                          CA                94602          1 FAMILY
         930794          AMERICAN HOME MORTGAGE                          CA                92692          CONDO
         924408          AMERICAN HOME MORTGAGE                          AZ                85296          PUD
         917110          AMERICAN HOME MORTGAGE                          WA                98328          1 FAMILY
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         919449          AMERICAN HOME MORTGAGE                          MI                49038          1 FAMILY
         938772          AMERICAN HOME MORTGAGE                          SC                29485          PUD
         942105          AMERICAN HOME MORTGAGE                          VA                20155          PUD
         923653          AMERICAN HOME MORTGAGE                          CA                90802          CONDO
         940989          AMERICAN HOME MORTGAGE                          CA                95684          1 FAMILY
         939301          AMERICAN HOME MORTGAGE                          OH                45036          1 FAMILY
         920665          AMERICAN HOME MORTGAGE                          MT                59802          CONDO
         940948          AMERICAN HOME MORTGAGE                          FL                33904          1 FAMILY
         921582          AMERICAN HOME MORTGAGE                          FL                32127          CONDO
         934639          AMERICAN HOME MORTGAGE                          MI                48867          1 FAMILY
         933050          AMERICAN HOME MORTGAGE                          SC                29492          CONDO
         916142          AMERICAN HOME MORTGAGE                          NC                27545          PUD
         919311          AMERICAN HOME MORTGAGE                          WA                98270          1 FAMILY
         924108          AMERICAN HOME MORTGAGE                          FL                32817          PUD
         939156          AMERICAN HOME MORTGAGE                          CO                81301          PUD
         928568          AMERICAN HOME MORTGAGE                          CA                95834          1 FAMILY
         936163          AMERICAN HOME MORTGAGE                          OK                73159          1 FAMILY
         934333          AMERICAN HOME MORTGAGE                          OR                97009          1 FAMILY
         924399          AMERICAN HOME MORTGAGE                          MD                21078          1 FAMILY
         928779          AMERICAN HOME MORTGAGE                          OR                97701          1 FAMILY
         934590          AMERICAN HOME MORTGAGE                          CA                95961          1 FAMILY
         929570          AMERICAN HOME MORTGAGE                          DC                20001          2 - 4 FAM
         835352          AMERICAN HOME MORTGAGE                          ID                83709          2 - 4 FAM
         898930          AMERICAN HOME MORTGAGE                          NJ                 8853          1 FAMILY
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         924210          AMERICAN HOME MORTGAGE                          NV                89436          PUD
         934287          AMERICAN HOME MORTGAGE                          FL                33469          1 FAMILY
         929093          AMERICAN HOME MORTGAGE                          MA                 2649          1 FAMILY
         934149          AMERICAN HOME MORTGAGE                          OR                97702          1 FAMILY
         947286          AMERICAN HOME MORTGAGE                          TN                37188          1 FAMILY
         938913          AMERICAN HOME MORTGAGE                          FL                34759          PUD
         930594          AMERICAN HOME MORTGAGE                          DE                19966          PUD
         934901          AMERICAN HOME MORTGAGE                          IL                60618          CONDO
         926307          AMERICAN HOME MORTGAGE                          NJ                 7421          1 FAMILY
         761029          AMERICAN HOME MORTGAGE                          VA                23314          PUD
         934051          AMERICAN HOME MORTGAGE                          FL                34287          1 FAMILY
         913670          AMERICAN HOME MORTGAGE                          FL                33702          PUD
         923181          AMERICAN HOME MORTGAGE                          NV                89110          1 FAMILY
         893080          AMERICAN HOME MORTGAGE                          TX                78748          2 - 4 FAM
         920835          AMERICAN HOME MORTGAGE                          GA                30340          1 FAMILY
         934093          AMERICAN HOME MORTGAGE                          NC                27982          1 FAMILY
         926176          AMERICAN HOME MORTGAGE                          CA                92392          1 FAMILY
         934407          AMERICAN HOME MORTGAGE                          NV                89109          2 - 4 FAM
         903826          AMERICAN HOME MORTGAGE                          RI                 2842          1 FAMILY
         909623          AMERICAN HOME MORTGAGE                          NC                28412          1 FAMILY
         933854          AMERICAN HOME MORTGAGE                          NV                89142          1 FAMILY
         897041          AMERICAN HOME MORTGAGE                          CA                93257          1 FAMILY
         934797          AMERICAN HOME MORTGAGE                          CO                81122          1 FAMILY
         930258          AMERICAN HOME MORTGAGE                          NC                27405          PUD
         919428          AMERICAN HOME MORTGAGE                          CA                92583          1 FAMILY
         948306          AMERICAN HOME MORTGAGE                          MN                55124          PUD
         929838          AMERICAN HOME MORTGAGE                          TN                37075          1 FAMILY
         856657          AMERICAN HOME MORTGAGE                          PA                19132          2 - 4 FAM
         884712          AMERICAN HOME MORTGAGE                          CA                96097          1 FAMILY
         951067          AMERICAN HOME MORTGAGE                          OH                45120          1 FAMILY
         920380          AMERICAN HOME MORTGAGE                          CA                92201          1 FAMILY
         920919          AMERICAN HOME MORTGAGE                          RI                 2861          1 FAMILY
         929248          AMERICAN HOME MORTGAGE                          FL                33605          1 FAMILY
         933628          AMERICAN HOME MORTGAGE                          SC                29456          PUD
         913570          AMERICAN HOME MORTGAGE                          SC                29172          1 FAMILY
         934856          AMERICAN HOME MORTGAGE                          UT                84120          1 FAMILY
         892467          AMERICAN HOME MORTGAGE                          GA                30339          CONDO
         932108          AMERICAN HOME MORTGAGE                          CA                94116          1 FAMILY
         921300          AMERICAN HOME MORTGAGE                          NC                28444          1 FAMILY
         933777          AMERICAN HOME MORTGAGE                          IL                60544          1 FAMILY
         942470          AMERICAN HOME MORTGAGE                          OR                97201          CONDO
         885497          AMERICAN HOME MORTGAGE                          FL                33055          1 FAMILY
         915703          AMERICAN HOME MORTGAGE                          FL                32258          PUD
         924758          AMERICAN HOME MORTGAGE                          CA                95321          PUD
         947834          AMERICAN HOME MORTGAGE                          WA                98118          1 FAMILY
         930162          AMERICAN HOME MORTGAGE                          FL                33068          CONDO
         898605          AMERICAN HOME MORTGAGE                          NY                11553          1 FAMILY
         917060          AMERICAN HOME MORTGAGE                          NV                89423          1 FAMILY
         930397          AMERICAN HOME MORTGAGE                          CA                94804          1 FAMILY
         906509          AMERICAN HOME MORTGAGE                          NH                 3773          2 - 4 FAM
         921625          AMERICAN HOME MORTGAGE                          MI                48158          1 FAMILY
         914832          AMERICAN HOME MORTGAGE                          SC                29406          1 FAMILY
         921781          AMERICAN HOME MORTGAGE                          NJ                 8690          1 FAMILY
         923998          AMERICAN HOME MORTGAGE                          CO                80210          1 FAMILY
         939036          AMERICAN HOME MORTGAGE                          OH                45242          CONDO
         951305          AMERICAN HOME MORTGAGE                          CA                92595          PUD
         928487          AMERICAN HOME MORTGAGE                          MD                20782          1 FAMILY
         925932          AMERICAN HOME MORTGAGE                          OR                97206          1 FAMILY
         896105          AMERICAN HOME MORTGAGE                          MD                20878          PUD
         925053          AMERICAN HOME MORTGAGE                          NY                10583          1 FAMILY
         923996          AMERICAN HOME MORTGAGE                          NM                88210          1 FAMILY
         924160          AMERICAN HOME MORTGAGE                          CA                92648          1 FAMILY
         895647          AMERICAN HOME MORTGAGE                          NY                11413          1 FAMILY
         924985          AMERICAN HOME MORTGAGE                          TX                75206          PUD
         941033          AMERICAN HOME MORTGAGE                          FL                32259          PUD
         926901          AMERICAN HOME MORTGAGE                          CA                94952          1 FAMILY
         936876          AMERICAN HOME MORTGAGE                          FL                33805          1 FAMILY
         924413          AMERICAN HOME MORTGAGE                          NJ                 7656          CONDO
         901558          AMERICAN HOME MORTGAGE                          MT                59718          1 FAMILY
         873655          AMERICAN HOME MORTGAGE                          IL                60046          1 FAMILY
         928018          AMERICAN HOME MORTGAGE                          OR                97304          1 FAMILY
         927863          AMERICAN HOME MORTGAGE                          CT                 6877          1 FAMILY
         929374          AMERICAN HOME MORTGAGE                          SC                29412          1 FAMILY
         942728          AMERICAN HOME MORTGAGE                          OR                97007          CONDO
         940272          AMERICAN HOME MORTGAGE                          AZ                85323          PUD
         918624          AMERICAN HOME MORTGAGE                          SC                29464          PUD
         939904          AMERICAN HOME MORTGAGE                          WA                98604          1 FAMILY
         909611          AMERICAN HOME MORTGAGE                          FL                34208          PUD
         922361          AMERICAN HOME MORTGAGE                          FL                33496          PUD
         935256          AMERICAN HOME MORTGAGE                          MO                63935          1 FAMILY
         955928          AMERICAN HOME MORTGAGE                          KS                67226          1 FAMILY
         890877          AMERICAN HOME MORTGAGE                          CA                92582          1 FAMILY
         938340          AMERICAN HOME MORTGAGE                          FL                32137          PUD
         904253          AMERICAN HOME MORTGAGE                          TN                37082          2 - 4 FAM
         907957          AMERICAN HOME MORTGAGE                          AZ                85021          2 - 4 FAM
         944380          AMERICAN HOME MORTGAGE                          UT                84084          1 FAMILY
         928671          AMERICAN HOME MORTGAGE                          IN                46220          2 - 4 FAM
         935891          AMERICAN HOME MORTGAGE                          IN                46205          1 FAMILY
         940365          AMERICAN HOME MORTGAGE                          OR                97702          1 FAMILY
         951005          AMERICAN HOME MORTGAGE                          UT                84095          1 FAMILY
         951700          AMERICAN HOME MORTGAGE                          GA                30041          PUD
         898370          AMERICAN HOME MORTGAGE                          NJ                 8638          1 FAMILY
         943687          AMERICAN HOME MORTGAGE                          FL                32207          1 FAMILY
         920476          AMERICAN HOME MORTGAGE                          CA                92801          PUD
         951476          AMERICAN HOME MORTGAGE                          FL                32771          1 FAMILY
         937552          AMERICAN HOME MORTGAGE                          CA                95249          1 FAMILY
         949409          AMERICAN HOME MORTGAGE                          NV                89129          1 FAMILY
         926164          AMERICAN HOME MORTGAGE                          NY                12458          1 FAMILY
         925395          AMERICAN HOME MORTGAGE                          GA                31548          1 FAMILY
         928168          AMERICAN HOME MORTGAGE                          VA                23464          PUD
         942759          AMERICAN HOME MORTGAGE                          OR                97030          CONDO
         949844          AMERICAN HOME MORTGAGE                          LA                70529          1 FAMILY
         950595          AMERICAN HOME MORTGAGE                          PA                19145          1 FAMILY
         887295          AMERICAN HOME MORTGAGE                          NY                10950          1 FAMILY
         934725          AMERICAN HOME MORTGAGE                          NC                27012          1 FAMILY
         925267          AMERICAN HOME MORTGAGE                          IL                60440          1 FAMILY
         917440          AMERICAN HOME MORTGAGE                          FL                32569          1 FAMILY
         912292          AMERICAN HOME MORTGAGE                          CA                95678          1 FAMILY
         909212          AMERICAN HOME MORTGAGE                          CA                95060          1 FAMILY
         811441          AMERICAN HOME MORTGAGE                          OH                43017          1 FAMILY
         920880          AMERICAN HOME MORTGAGE                          FL                32209          1 FAMILY
         921456          AMERICAN HOME MORTGAGE                          UT                84780          PUD
         919358          AMERICAN HOME MORTGAGE                          WI                53913          1 FAMILY
         923313          AMERICAN HOME MORTGAGE                          MD                20720          PUD
         924345          AMERICAN HOME MORTGAGE                          TX                79401          2 - 4 FAM
         925780          AMERICAN HOME MORTGAGE                          TX                79401          1 FAMILY
         925871          AMERICAN HOME MORTGAGE                          TX                79401          1 FAMILY
         929501          AMERICAN HOME MORTGAGE                          VA                22911          PUD
         915504          AMERICAN HOME MORTGAGE                          CA                95124          1 FAMILY
         940322          AMERICAN HOME MORTGAGE                          IL                60073          1 FAMILY
         921917          AMERICAN HOME MORTGAGE                          WA                98349          PUD
         862796          AMERICAN HOME MORTGAGE                          ID                83864          1 FAMILY
         922697          AMERICAN HOME MORTGAGE                          FL                33330          1 FAMILY
         904753          AMERICAN HOME MORTGAGE                          AZ                85053          PUD
         953343          AMERICAN HOME MORTGAGE                          MD                20785          PUD
         931786          AMERICAN HOME MORTGAGE                          NJ                 8690          1 FAMILY
         840396          AMERICAN HOME MORTGAGE                          WA                98903          1 FAMILY
         911579          AMERICAN HOME MORTGAGE                          VA                22302          1 FAMILY
         930784          AMERICAN HOME MORTGAGE                          NC                28269          PUD
         848963          AMERICAN HOME MORTGAGE                          MA                 2038          1 FAMILY
         944111          AMERICAN HOME MORTGAGE                          IL                60194          1 FAMILY
         929698          AMERICAN HOME MORTGAGE                          OR                97702          1 FAMILY
         936055          AMERICAN HOME MORTGAGE                          CA                93013          1 FAMILY
         929667          AMERICAN HOME MORTGAGE                          CA                92084          1 FAMILY
         897602          AMERICAN HOME MORTGAGE                          IL                60641          1 FAMILY
         925753          AMERICAN HOME MORTGAGE                          NY                11355          2 - 4 FAM
         948069          AMERICAN HOME MORTGAGE                          TX                76137          PUD
         848537          AMERICAN HOME MORTGAGE                          NJ                 8247          1 FAMILY
         908431          AMERICAN HOME MORTGAGE                          FL                34217          1 FAMILY
         948103          AMERICAN HOME MORTGAGE                          MD                20737          1 FAMILY
         895800          AMERICAN HOME MORTGAGE                          FL                33480          CONDO
         935924          AMERICAN HOME MORTGAGE                          IL                60647          2 - 4 FAM
         924908          AMERICAN HOME MORTGAGE                          MT                59718          1 FAMILY
         900610          AMERICAN HOME MORTGAGE                          NY                10960          CONDO
         913560          AMERICAN HOME MORTGAGE                          AZ                85255          PUD
         929477          AMERICAN HOME MORTGAGE                          MD                21403          1 FAMILY
         945390          AMERICAN HOME MORTGAGE                          CA                95422          2 - 4 FAM
         922239          AMERICAN HOME MORTGAGE                          VA                23103          1 FAMILY
         936389          AMERICAN HOME MORTGAGE                          MD                21037          PUD
         936112          AMERICAN HOME MORTGAGE                          NJ                 7306          2 - 4 FAM
         887554          AMERICAN HOME MORTGAGE                          NY                11510          1 FAMILY
         940688          AMERICAN HOME MORTGAGE                          AZ                85207          2 - 4 FAM
         950623          AMERICAN HOME MORTGAGE                          TX                76051          1 FAMILY
         950735          AMERICAN HOME MORTGAGE                          NC                28208          1 FAMILY
         900168          AMERICAN HOME MORTGAGE                          NC                28562          1 FAMILY
         900088          AMERICAN HOME MORTGAGE                          NY                11050          2 - 4 FAM
         932936          AMERICAN HOME MORTGAGE                          CA                95631          1 FAMILY
         944942          AMERICAN HOME MORTGAGE                          NY                11693          1 FAMILY
         948454          AMERICAN HOME MORTGAGE                          IL                60305          1 FAMILY
         941709          AMERICAN HOME MORTGAGE                          CA                90026          1 FAMILY
         943450          AMERICAN HOME MORTGAGE                          NY                11421          2 - 4 FAM
         916911          AMERICAN HOME MORTGAGE                          FL                33713          1 FAMILY
         947667          AMERICAN HOME MORTGAGE                          MS                39525          1 FAMILY
         925883          AMERICAN HOME MORTGAGE                          NV                89142          1 FAMILY
         929229          AMERICAN HOME MORTGAGE                          FL                33604          1 FAMILY
         930616          AMERICAN HOME MORTGAGE                          CA                94117          CONDO
         943525          AMERICAN HOME MORTGAGE                          FL                32962          1 FAMILY
         909243          AMERICAN HOME MORTGAGE                          NC                28110          PUD
         951788          AMERICAN HOME MORTGAGE                          VA                23220          1 FAMILY
         929659          AMERICAN HOME MORTGAGE                          CA                93722          1 FAMILY
         949638          AMERICAN HOME MORTGAGE                          FL                33139          CONDO
         932149          AMERICAN HOME MORTGAGE                          WA                99353          1 FAMILY
         863765          AMERICAN HOME MORTGAGE                          SC                29485          PUD
         943482          AMERICAN HOME MORTGAGE                          VA                24526          1 FAMILY
         932914          AMERICAN HOME MORTGAGE                          NC                27606          PUD
         927120          AMERICAN HOME MORTGAGE                          MD                21044          1 FAMILY
         956876          AMERICAN HOME MORTGAGE                          FL                33311          1 FAMILY
         931530          AMERICAN HOME MORTGAGE                          MA                 2780          CONDO
         951254          AMERICAN HOME MORTGAGE                          TN                37046          1 FAMILY
         933862          AMERICAN HOME MORTGAGE                          NY                11780          1 FAMILY
         807074          AMERICAN HOME MORTGAGE                          NC                28073          1 FAMILY
         917477          AMERICAN HOME MORTGAGE                          IL                60628          1 FAMILY
         958604          AMERICAN HOME MORTGAGE                          VA                22310          1 FAMILY
         929634          AMERICAN HOME MORTGAGE                          CA                93611          1 FAMILY
         946629          AMERICAN HOME MORTGAGE                          RI                 2842          1 FAMILY
         951171          AMERICAN HOME MORTGAGE                          OH                45246          1 FAMILY
         945017          AMERICAN HOME MORTGAGE                          FL                32825          1 FAMILY
         949150          AMERICAN HOME MORTGAGE                          VT                 5672          1 FAMILY
         939471          AMERICAN HOME MORTGAGE                          AZ                86401          1 FAMILY
         918836          AMERICAN HOME MORTGAGE                          CA                92883          PUD
         934321          AMERICAN HOME MORTGAGE                          CA                95336          1 FAMILY
         927510          AMERICAN HOME MORTGAGE                          KS                67205          1 FAMILY
         927530          AMERICAN HOME MORTGAGE                          KS                67205          1 FAMILY
         943761          AMERICAN HOME MORTGAGE                          WA                98271          1 FAMILY
         904615          AMERICAN HOME MORTGAGE                          VA                23220          1 FAMILY
         922718          AMERICAN HOME MORTGAGE                          NJ                 7740          CONDO
         898289          AMERICAN HOME MORTGAGE                          FL                34207          1 FAMILY
         944270          AMERICAN HOME MORTGAGE                          CA                95667          1 FAMILY
         920890          AMERICAN HOME MORTGAGE                          FL                32209          1 FAMILY
         952037          AMERICAN HOME MORTGAGE                          GA                30906          1 FAMILY
         471506          AMERICAN HOME MORTGAGE                          IL                60618          PUD
         767357          AMERICAN HOME MORTGAGE                          CA                93631          1 FAMILY
         920946          AMERICAN HOME MORTGAGE                          WA                98226          1 FAMILY
         940967          AMERICAN HOME MORTGAGE                          CA                95758          1 FAMILY
         937887          AMERICAN HOME MORTGAGE                          MD                21228          1 FAMILY
         937897          AMERICAN HOME MORTGAGE                          MD                21234          1 FAMILY
         937685          AMERICAN HOME MORTGAGE                          FL                33016          1 FAMILY
         938974          AMERICAN HOME MORTGAGE                          NY                11209          CONDO
     2002349103          CITIMORTGAGE                                    CA                92404          2 - 4 FAM
       40316603          Mortgage IT                                     WI                53115          CONDO
       40325882          Mortgage IT                                     CA                93551          1 FAMILY
       40326240          Mortgage IT                                     AZ                85023          1 FAMILY
       40308909          Mortgage IT                                     FL                33619          CONDO
       40310701          Mortgage IT                                     CA                91504          CONDO
       40329476          Mortgage IT                                     VA                22079          1 FAMILY
       40333575          Mortgage IT                                     CA                91306          1 FAMILY
       40336137          Mortgage IT                                     CA                93444          1 FAMILY
       40336389          Mortgage IT                                     FL                33134          CONDO
       40341661          Mortgage IT                                     CA                95746          PUD
       40298077          Mortgage IT                                     CA                91402          1 FAMILY
       40379646          Mortgage IT                                     CA                90043          1 FAMILY
       40380823          Mortgage IT                                     CA                95776          1 FAMILY
       40380804          Mortgage IT                                     CA                92109          1 FAMILY
       40379234          Mortgage IT                                     MD                20722          1 FAMILY
       40379771          Mortgage IT                                     CA                95678          1 FAMILY
       40380386          Mortgage IT                                     MD                20879          1 FAMILY
       40381469          Mortgage IT                                     CA                95050          1 FAMILY
       40382585          Mortgage IT                                     VA                22655          TOWNHOUSE
       40383427          Mortgage IT                                     AZ                85027          PUD
       40382908          Mortgage IT                                     CA                92064          1 FAMILY
       40385002          Mortgage IT                                     CA                95961          1 FAMILY
       40386187          Mortgage IT                                     FL                33837          PUD
       40387213          Mortgage IT                                     OH                43206          1 FAMILY
       40302746          Mortgage IT                                     CA                95355          1 FAMILY
       40332837          Mortgage IT                                     CA                90745          CONDO
       40332969          Mortgage IT                                     CA                95336          PUD
       40333233          Mortgage IT                                     CA                92029          1 FAMILY
       40334323          Mortgage IT                                     IL                60089          1 FAMILY
       40335889          Mortgage IT                                     CA                94121          2 - 4 FAM
       40336626          Mortgage IT                                     NV                89031          1 FAMILY
       40337218          Mortgage IT                                     CA                91104          1 FAMILY
       40338926          Mortgage IT                                     MN                56461          1 FAMILY
       40339768          Mortgage IT                                     CA                95817          1 FAMILY
       40340170          Mortgage IT                                     UT                84501          1 FAMILY
       40340248          Mortgage IT                                     FL                33179          1 FAMILY
       40340512          Mortgage IT                                     WA                98296          1 FAMILY
       40340640          Mortgage IT                                     WA                98294          PUD
       40341585          Mortgage IT                                     CA                90280          1 FAMILY
       40341597          Mortgage IT                                     CA                91761          1 FAMILY
       40341214          Mortgage IT                                     CA                92024          1 FAMILY
       40341344          Mortgage IT                                     WA                98368          1 FAMILY
       40341350          Mortgage IT                                     WA                98406          1 FAMILY
       40341357          Mortgage IT                                     WA                98406          1 FAMILY
       40341516          Mortgage IT                                     WA                98103          1 FAMILY
       40342683          Mortgage IT                                     CA                95926          1 FAMILY
       40343593          Mortgage IT                                     FL                32837          PUD
       40343594          Mortgage IT                                     AZ                85225          PUD
       40349369          Mortgage IT                                     CA                91103          1 FAMILY
       40343661          Mortgage IT                                     WA                98272          PUD
       40343750          Mortgage IT                                     WA                98103          1 FAMILY
       40343781          Mortgage IT                                     CA                94949          CONDO
       40345002          Mortgage IT                                     CA                93065          CONDO
       40343884          Mortgage IT                                     CA                92571          1 FAMILY
       40343945          Mortgage IT                                     WA                98203          1 FAMILY
       40344142          Mortgage IT                                     MD                20677          1 FAMILY
       40344252          Mortgage IT                                     AZ                86429          1 FAMILY
       40344630          Mortgage IT                                     VA                23451          1 FAMILY
       40344753          Mortgage IT                                     WA                98199          2 - 4 FAM
       40344783          Mortgage IT                                     CA                95621          1 FAMILY
       40345610          Mortgage IT                                     FL                32404          1 FAMILY
       40345633          Mortgage IT                                     WI                53705          1 FAMILY
       40345762          Mortgage IT                                     CA                95826          1 FAMILY
       40345773          Mortgage IT                                     MD                21075          1 FAMILY
       40347021          Mortgage IT                                     WA                98632          1 FAMILY
       40347134          Mortgage IT                                     WA                98201          2 - 4 FAM
       40345320          Mortgage IT                                     AZ                85304          1 FAMILY
       40345347          Mortgage IT                                     CA                93906          1 FAMILY
       40345339          Mortgage IT                                     CA                93455          1 FAMILY
       40345379          Mortgage IT                                     CA                93313          1 FAMILY
       40346050          Mortgage IT                                     CA                95603          1 FAMILY
       40346119          Mortgage IT                                     AZ                85016          PUD
       40346249          Mortgage IT                                     NV                89118          CONDO
       40347359          Mortgage IT                                     CA                95204          1 FAMILY
       40347380          Mortgage IT                                     CA                91911          PUD
       40347421          Mortgage IT                                     CA                91316          1 FAMILY
       40347518          Mortgage IT                                     CA                95678          1 FAMILY
       40347871          Mortgage IT                                     CA                91331          1 FAMILY
       40348400          Mortgage IT                                     CA                92592          PUD
       40348417          Mortgage IT                                     CA                92707          1 FAMILY
       40348671          Mortgage IT                                     NY                11416          2 - 4 FAM
       40349674          Mortgage IT                                     CA                92116          1 FAMILY
       40350189          Mortgage IT                                     CA                94015          1 FAMILY
       40350193          Mortgage IT                                     CA                94014          1 FAMILY
       40350249          Mortgage IT                                     CA                92881          1 FAMILY
       40350333          Mortgage IT                                     CA                91304          1 FAMILY
       40350469          Mortgage IT                                     CA                91605          1 FAMILY
       40350509          Mortgage IT                                     CA                92251          1 FAMILY
       40350877          Mortgage IT                                     DE                19802          1 FAMILY
       40351817          Mortgage IT                                     VA                22046          CONDO
       40351891          Mortgage IT                                     WV                25413          PUD
       40351446          Mortgage IT                                     TX                75148          1 FAMILY
       40352399          Mortgage IT                                     CA                92544          1 FAMILY
       40352822          Mortgage IT                                     CA                90660          1 FAMILY
       40352933          Mortgage IT                                     CA                95023          1 FAMILY
       40353671          Mortgage IT                                     CA                91915          1 FAMILY
       40353692          Mortgage IT                                     CA                95959          1 FAMILY
       40353820          Mortgage IT                                     CA                95822          1 FAMILY
       40353325          Mortgage IT                                     CA                93063          1 FAMILY
       40353351          Mortgage IT                                     CA                91343          CONDO
       40353378          Mortgage IT                                     CA                90501          CONDO
       40353539          Mortgage IT                                     AZ                85040          PUD
       40353530          Mortgage IT                                     CA                93307          1 FAMILY
       40353609          Mortgage IT                                     VA                22043          PUD
       40353977          Mortgage IT                                     CA                93065          1 FAMILY
       40354730          Mortgage IT                                     CA                92131          CONDO
       40354772          Mortgage IT                                     CA                90241          1 FAMILY
       40355652          Mortgage IT                                     FL                32225          PUD
       40357157          Mortgage IT                                     CA                92653          CONDO
       40355214          Mortgage IT                                     WA                98282          1 FAMILY
       40355406          Mortgage IT                                     WA                98405          1 FAMILY
       40355443          Mortgage IT                                     CA                93033          1 FAMILY
       40355477          Mortgage IT                                     CA                92020          1 FAMILY
       40355962          Mortgage IT                                     CA                92105          PUD
       40356160          Mortgage IT                                     CA                92683          1 FAMILY
       40356199          Mortgage IT                                     CA                92596          1 FAMILY
       40356524          Mortgage IT                                     CA                95035          1 FAMILY
       40356613          Mortgage IT                                     NV                89156          PUD
       40356773          Mortgage IT                                     CA                94612          CONDO
       40357702          Mortgage IT                                     MD                20736          1 FAMILY
       40357731          Mortgage IT                                     MD                20817          CONDO
       40357406          Mortgage IT                                     CA                91331          1 FAMILY
       40357443          Mortgage IT                                     CO                80226          1 FAMILY
       40357472          Mortgage IT                                     WA                98045          1 FAMILY
       40357566          Mortgage IT                                     WA                98311          1 FAMILY
       40357567          Mortgage IT                                     OR                97702          2 - 4 FAM
       40357985          Mortgage IT                                     CA                95076          1 FAMILY
       40358656          Mortgage IT                                     FL                34787          1 FAMILY
       40358677          Mortgage IT                                     CA                91941          1 FAMILY
       40358792          Mortgage IT                                     CA                95127          1 FAMILY
       40358772          Mortgage IT                                     CA                92557          1 FAMILY
       40359805          Mortgage IT                                     CA                95758          PUD
       40359860          Mortgage IT                                     NV                89027          PUD
       40359879          Mortgage IT                                     CA                91335          1 FAMILY
       40361077          Mortgage IT                                     CA                91367          1 FAMILY
       40361082          Mortgage IT                                     CA                93101          2 - 4 FAM
       40359547          Mortgage IT                                     NV                89509          PUD
       40359583          Mortgage IT                                     FL                34655          PUD
       40359912          Mortgage IT                                     CA                90059          1 FAMILY
       40359947          Mortgage IT                                     CA                94804          1 FAMILY
       40360297          Mortgage IT                                     CA                91506          1 FAMILY
       40360353          Mortgage IT                                     CA                95977          1 FAMILY
       40360431          Mortgage IT                                     CA                91764          CONDO
       40360717          Mortgage IT                                     FL                32720          2 - 4 FAM
       40360825          Mortgage IT                                     CA                93546          CONDO
       40360942          Mortgage IT                                     WA                98006          1 FAMILY
       40363001          Mortgage IT                                     MA                 2351          1 FAMILY
       40361532          Mortgage IT                                     CA                95973          1 FAMILY
       40361985          Mortgage IT                                     NY                12754          2 - 4 FAM
       40362134          Mortgage IT                                     AZ                85250          CONDO
       40362195          Mortgage IT                                     CA                94025          2 - 4 FAM
       40362209          Mortgage IT                                     CA                91732          PUD
       40362557          Mortgage IT                                     NV                89110          1 FAMILY
       40362631          Mortgage IT                                     CA                91605          1 FAMILY
       40362728          Mortgage IT                                     CA                91915          PUD
       40363672          Mortgage IT                                     CA                92021          1 FAMILY
       40363690          Mortgage IT                                     CA                94565          1 FAMILY
       40363723          Mortgage IT                                     VA                23831          1 FAMILY
       40363823          Mortgage IT                                     CA                91977          1 FAMILY
       40363429          Mortgage IT                                     CA                95758          1 FAMILY
       40364217          Mortgage IT                                     IL                60201          TOWNHOUSE
       40364242          Mortgage IT                                     AZ                85207          PUD
       40364828          Mortgage IT                                     CA                92315          1 FAMILY
       40364954          Mortgage IT                                     CA                94533          1 FAMILY
       40364956          Mortgage IT                                     WA                98107          CONDO
       40365749          Mortgage IT                                     CA                90713          1 FAMILY
       40365176          Mortgage IT                                     IL                60634          1 FAMILY
       40365392          Mortgage IT                                     NV                89107          CONDO
       40365845          Mortgage IT                                     FL                33527          PUD
       40366468          Mortgage IT                                     NY                12601          2 - 4 FAM
       40366500          Mortgage IT                                     OR                97423          1 FAMILY
       40366742          Mortgage IT                                     CA                92625          1 FAMILY
       40367652          Mortgage IT                                     CA                92065          PUD
       40367104          Mortgage IT                                     NV                89107          1 FAMILY
       40367170          Mortgage IT                                     CA                92128          CONDO
       40367217          Mortgage IT                                     CA                91351          CONDO
       40367472          Mortgage IT                                     FL                32246          PUD
       40368009          Mortgage IT                                     FL                33033          PUD
       40368093          Mortgage IT                                     WA                98409          2 - 4 FAM
       40368142          Mortgage IT                                     CA                91342          1 FAMILY
       40368210          Mortgage IT                                     CA                94587          CONDO
       40368304          Mortgage IT                                     CA                90638          1 FAMILY
       40368414          Mortgage IT                                     CA                90024          CONDO
       40370928          Mortgage IT                                     CA                95124          1 FAMILY
       40370979          Mortgage IT                                     PA                19124          1 FAMILY
       40369137          Mortgage IT                                     NY                11967          1 FAMILY
       40369168          Mortgage IT                                     TX                76248          PUD
       40369265          Mortgage IT                                     CA                93065          CONDO
       40371145          Mortgage IT                                     CT                 6870          1 FAMILY
       40370304          Mortgage IT                                     CA                93063          1 FAMILY
       40370405          Mortgage IT                                     FL                32708          PUD
       40370576          Mortgage IT                                     CA                93033          1 FAMILY
       40370825          Mortgage IT                                     CA                92691          1 FAMILY
       40371466          Mortgage IT                                     CA                95632          1 FAMILY
       40373050          Mortgage IT                                     CA                91324          1 FAMILY
       40371057          Mortgage IT                                     IL                60181          TOWNHOUSE
       40371056          Mortgage IT                                     MN                55040          1 FAMILY
       40371090          Mortgage IT                                     CA                94402          CONDO
       40371896          Mortgage IT                                     TX                75077          1 FAMILY
       40372078          Mortgage IT                                     AZ                85353          PUD
       40372171          Mortgage IT                                     CA                91306          1 FAMILY
       40372199          Mortgage IT                                     CA                90018          1 FAMILY
       40373613          Mortgage IT                                     CA                90280          1 FAMILY
       40373764          Mortgage IT                                     MD                20872          1 FAMILY
       40373778          Mortgage IT                                     FL                32225          1 FAMILY
       40374985          Mortgage IT                                     CA                93012          PUD
       40373372          Mortgage IT                                     CA                95037          PUD
       40374159          Mortgage IT                                     FL                33179          CONDO
       40374205          Mortgage IT                                     CA                91345          1 FAMILY
       40374197          Mortgage IT                                     CA                90065          CONDO
       40374359          Mortgage IT                                     NM                87507          CONDO
       40374569          Mortgage IT                                     CA                92692          PUD
       40376989          Mortgage IT                                     CA                95829          1 FAMILY
       40375153          Mortgage IT                                     CA                93307          1 FAMILY
       40375186          Mortgage IT                                     FL                33029          PUD
       40375217          Mortgage IT                                     CA                95128          1 FAMILY
       40375433          Mortgage IT                                     CA                92555          1 FAMILY
       40376038          Mortgage IT                                     CA                90810          1 FAMILY
       40376030          Mortgage IT                                     CA                95918          1 FAMILY
       40376076          Mortgage IT                                     CA                95670          1 FAMILY
       40376422          Mortgage IT                                     CA                92028          1 FAMILY
       40376578          Mortgage IT                                     MI                48840          1 FAMILY
       40376805          Mortgage IT                                     CA                93036          1 FAMILY
       40377389          Mortgage IT                                     CA                90605          CONDO
       40378164          Mortgage IT                                     CA                95838          1 FAMILY
       40378369          Mortgage IT                                     AZ                85203          CONDO
       40378545          Mortgage IT                                     CA                91506          1 FAMILY
       40378616          Mortgage IT                                     FL                33134          2 - 4 FAM
       40378618          Mortgage IT                                     OH                45504          1 FAMILY
       40257889          Mortgage IT                                     CA                92154          1 FAMILY
       40216656          Mortgage IT                                     CA                92399          2 - 4 FAM
       40370818          Mortgage IT                                     CA                93906          1 FAMILY
       40376547          Mortgage IT                                     NY                10536          1 FAMILY
       40361087          Mortgage IT                                     CA                92057          PUD
       40327068          Mortgage IT                                     NY                11743          1 FAMILY
       40334928          Mortgage IT                                     CA                92129          1 FAMILY
       40338612          Mortgage IT                                     GA                30512          1 FAMILY
       40349901          Mortgage IT                                     NY                11374          1 FAMILY
       40363593          Mortgage IT                                     CA                91739          1 FAMILY
       40364862          Mortgage IT                                     CA                92103          CONDO
       40365924          Mortgage IT                                     CA                92024          CONDO
       40372744          Mortgage IT                                     CA                91364          1 FAMILY
       40372734          Mortgage IT                                     CA                92127          PUD
       40373552          Mortgage IT                                     UT                84762          PUD
       40378523          Mortgage IT                                     CA                92121          PUD
       40241202          Mortgage IT                                     CA                92391          1 FAMILY
       40319107          Mortgage IT                                     MD                20854          PUD
        3435835          NATIONAL CITY MORTGAGE                          LA                71006          1 FAMILY
        3508518          NATIONAL CITY MORTGAGE                          IL                61065          1 FAMILY
        3948706          NATIONAL CITY MORTGAGE                          LA                70115          2 - 4 FAM
        3984737          NATIONAL CITY MORTGAGE                          HI                96740          CONDO
        4094802          NATIONAL CITY MORTGAGE                          HI                96778          1 FAMILY
        4097494          NATIONAL CITY MORTGAGE                          HI                96753          1 FAMILY
        4105068          NATIONAL CITY MORTGAGE                          HI                96761          1 FAMILY
        4130568          NATIONAL CITY MORTGAGE                          HI                96816          CONDO
        4142096          NATIONAL CITY MORTGAGE                          HI                96706          PUD
        4148833          NATIONAL CITY MORTGAGE                          HI                96753          1 FAMILY
        4152584          NATIONAL CITY MORTGAGE                          HI                96782          CONDO
        4158412          NATIONAL CITY MORTGAGE                          HI                96740          1 FAMILY
        4167932          NATIONAL CITY MORTGAGE                          AL                36695          1 FAMILY
        4177104          NATIONAL CITY MORTGAGE                          HI                96734          1 FAMILY
        4187536          NATIONAL CITY MORTGAGE                          TX                75240          2 - 4 FAM
        4195720          NATIONAL CITY MORTGAGE                          HI                96707          CONDO
        4198621          NATIONAL CITY MORTGAGE                          LA                70466          1 FAMILY
        4201553          NATIONAL CITY MORTGAGE                          HI                96813          CONDO
       23416035          PHH                                             HI                96753          2 - 4 FAM
       28656668          PHH                                             IA                50702          1 FAMILY
       29094836          PHH                                             IN                47906          1 FAMILY
       29145034          PHH                                             NY                10705          CO-OP
       29485034          PHH                                             MD                20772          1 FAMILY
       29495272          PHH                                             DE                19971          PUD
       29590460          PHH                                             LA                70605          1 FAMILY
       29631025          PHH                                             MS                38655          1 FAMILY
       29664570          PHH                                             IA                50144          1 FAMILY
       29665080          PHH                                             IA                50702          1 FAMILY
       29678190          PHH                                             PA                17403          1 FAMILY
       29814753          PHH                                             AZ                86406          CONDO
       29824026          PHH                                             SC                29405          1 FAMILY
       29869906          PHH                                             FL                33710          1 FAMILY
     4674890322          QUICKEN                                         OR                97070          1 FAMILY
     1174987212          QUICKEN                                         MI                48197          CONDO
     1175023094          QUICKEN                                         MI                48220          1 FAMILY
     1175167816          QUICKEN                                         MI                48197          1 FAMILY
     1175529601          QUICKEN                                         MI                48348          CONDO
     1675047222          QUICKEN                                         MI                48044          1 FAMILY
     1675090452          QUICKEN                                         MI                48430          1 FAMILY
     1675367579          QUICKEN                                         MI                48323          1 FAMILY
     1675391557          QUICKEN                                         MI                48080          1 FAMILY
     1675429483          QUICKEN                                         MI                48071          1 FAMILY
     1675493830          QUICKEN                                         MI                48329          1 FAMILY
     1675499509          QUICKEN                                         MI                48095          1 FAMILY
     1675536458          QUICKEN                                         MI                48350          1 FAMILY
     4674163406          QUICKEN                                         NM                87124          PUD
     4674478550          QUICKEN                                         CO                80634          PUD
     4674579703          QUICKEN                                         NJ                 7446          CONDO
     4674620421          QUICKEN                                         VA                22042          1 FAMILY
     4674622984          QUICKEN                                         FL                32779          PUD
     4674653453          QUICKEN                                         NY                10312          1 FAMILY
     4674764592          QUICKEN                                         CA                95630          1 FAMILY
     4675044968          QUICKEN                                         MO                65809          1 FAMILY
     4675057341          QUICKEN                                         VA                20147          PUD
     4675059642          QUICKEN                                         MI                48316          CONDO
     4675199016          QUICKEN                                         MI                48170          CONDO
     4675218198          QUICKEN                                         NC                28613          1 FAMILY
     4675224714          QUICKEN                                         MI                48357          CONDO
     4675226796          QUICKEN                                         CA                91367          CONDO
     4675239264          QUICKEN                                         AZ                85296          PUD
     4675254412          QUICKEN                                         NY                12429          1 FAMILY
     4675280643          QUICKEN                                         TX                75044          1 FAMILY
     4675293683          QUICKEN                                         DC                20009          CONDO
     4675307785          QUICKEN                                         AZ                85338          1 FAMILY
     4675345141          QUICKEN                                         UT                84065          1 FAMILY
     4675367651          QUICKEN                                         GA                31032          1 FAMILY
     4675383277          QUICKEN                                         CA                95377          1 FAMILY
     4675387268          QUICKEN                                         FL                32303          1 FAMILY
     4675390268          QUICKEN                                         NJ                 8691          TOWNHOUSE
     4675395485          QUICKEN                                         CA                94602          1 FAMILY
     4675404248          QUICKEN                                         MI                48329          1 FAMILY
     4675407772          QUICKEN                                         CA                92691          1 FAMILY
     4675410128          QUICKEN                                         FL                33168          1 FAMILY
     4675420633          QUICKEN                                         PA                19010          1 FAMILY
     4675430881          QUICKEN                                         NV                89145          PUD
     4675440304          QUICKEN                                         UT                84414          1 FAMILY
     4675446143          QUICKEN                                         MI                49274          1 FAMILY
     4675457633          QUICKEN                                         CT                 6226          1 FAMILY
     4675472305          QUICKEN                                         MI                48170          1 FAMILY
     4675472404          QUICKEN                                         MI                49236          1 FAMILY
     4675473779          QUICKEN                                         MO                63052          PUD
     4675484528          QUICKEN                                         CA                92532          PUD
     4675486188          QUICKEN                                         FL                33566          1 FAMILY
     4675494045          QUICKEN                                         CA                90815          1 FAMILY
     4675507484          QUICKEN                                         IL                60137          1 FAMILY
     4675514028          QUICKEN                                         CA                95409          1 FAMILY
     4675535523          QUICKEN                                         NJ                 7111          2 - 4 FAM
     4675535802          QUICKEN                                         PA                15701          1 FAMILY
     4675544326          QUICKEN                                         UT                84043          1 FAMILY
     4675546344          QUICKEN                                         NJ                 8234          1 FAMILY
     4675546431          QUICKEN                                         CA                94534          1 FAMILY
     4675548433          QUICKEN                                         CA                91016          1 FAMILY
     4675554716          QUICKEN                                         VA                23322          1 FAMILY
     4675563567          QUICKEN                                         VT                 5488          1 FAMILY
     4675567457          QUICKEN                                         MA                 1748          1 FAMILY
     4675567902          QUICKEN                                         MI                49401          PUD
     4675580111          QUICKEN                                         IL                60177          CONDO
     4675582110          QUICKEN                                         AZ                85331          PUD
     4675584026          QUICKEN                                         IL                61853          1 FAMILY
     4675615504          QUICKEN                                         NC                27253          1 FAMILY
     4675630185          QUICKEN                                         MI                48460          1 FAMILY
     4675666309          QUICKEN                                         PA                19026          1 FAMILY
     4675675814          QUICKEN                                         VT                 5001          CONDO
     4675683497          QUICKEN                                         CO                80204          1 FAMILY
     4875058975          QUICKEN                                         AL                35114          1 FAMILY
     4875207369          QUICKEN                                         CA                92262          1 FAMILY
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     4975409509          QUICKEN                                         NJ                 7724          1 FAMILY
     4975412996          QUICKEN                                         TX                75019          1 FAMILY
     4975508042          QUICKEN                                         GA                30096          TOWNHOUSE
     4975510780          QUICKEN                                         MI                48044          CONDO
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     7275123294          QUICKEN                                         MI                48116          1 FAMILY
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     7275494909          QUICKEN                                         CO                80134          CONDO
     7275540816          QUICKEN                                         MI                48076          CONDO
     7275540954          QUICKEN                                         FL                33407          CONDO
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        1152016          WEICHERT                                        NJ                 7006          CONDO
        1156368          WEICHERT                                        VA                22180          CONDO
        1156406          WEICHERT                                        VA                22030          PUD
        1153084          WEICHERT                                        NJ                 8872          PUD
        1153259          WEICHERT                                        NJ                 7044          1 FAMILY
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        1155123          WEICHERT                                        NJ                 7457          CONDO
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        1154188          WEICHERT                                        PA                19067          1 FAMILY
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        1154930          WEICHERT                                        VA                20136          PUD
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        1153018          WEICHERT                                        NY                10977          CONDO
        1157447          WEICHERT                                        MD                20874          PUD
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        1154349          WEICHERT                                        NJ                 7465          1 FAMILY
        1153811          WEICHERT                                        NJ                 7480          CONDO
        1153145          WEICHERT                                        NJ                 8533          1 FAMILY
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        1156206          WEICHERT                                        VA                20190          PUD
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        1154587          WEICHERT                                        NY                10970          CONDO
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        1155990          WEICHERT                                        NJ                 7054          1 FAMILY
        1157207          WEICHERT                                        NJ                 8826          CONDO
        1157562          WEICHERT                                        NJ                 7440          CONDO
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        1157733          WEICHERT                                        VA                20191          PUD
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        1157476          WEICHERT                                        NJ                 7920          CONDO
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        1157474          WEICHERT                                        NJ                 7871          1 FAMILY
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        1153685          WEICHERT                                        CT                 6855          CONDO
        1158113          WEICHERT                                        NJ                 7035          1 FAMILY
        1157309          WEICHERT                                        NJ                 7921          CONDO
        1155073          WEICHERT                                        NJ                 7940          1 FAMILY
        1155284          WEICHERT                                        PA                19454          PUD
        1156547          WEICHERT                                        NJ                 8872          CONDO
        1157093          WEICHERT                                        NJ                 7601          CONDO
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        1154490          WEICHERT                                        NY                10950          1 FAMILY
        1155163          WEICHERT                                        NJ                 7834          CONDO
        1153942          WEICHERT                                        NJ                 7748          1 FAMILY
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        1151505          WEICHERT                                        NJ                 8807          CONDO
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        1155407          WEICHERT                                        MI                48374          CONDO
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        1157810          WEICHERT                                        VA                22152          CONDO
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       54426713          WELLS FARGO                                     MN                55403          CONDO
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      145624276          WELLS FARGO                                     CA                94536          CONDO
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      146109319          WELLS FARGO                                     WA                98407          1 FAMILY
      146127915          WELLS FARGO                                     CA                95136          CONDO
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      146275094          WELLS FARGO                                     DE                19808          1 FAMILY
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        4080900          NATIONAL CITY MORTGAGE                          HI                96825          CONDO
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        4156101          NATIONAL CITY MORTGAGE                          HI                96782          CONDO
        4156149          NATIONAL CITY MORTGAGE                          HI                96797          PUD
        4174293          NATIONAL CITY MORTGAGE                          HI                96797          CONDO
        4183101          NATIONAL CITY MORTGAGE                          HI                96706          PUD
        4193223          NATIONAL CITY MORTGAGE                          HI                96744          CONDO
        4195613          NATIONAL CITY MORTGAGE                          HI                96706          PUD
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        4213776          NATIONAL CITY MORTGAGE                          TX                78230          PUD
        4234822          NATIONAL CITY MORTGAGE                          HI                96749          1 FAMILY
        4235000          NATIONAL CITY MORTGAGE                          HI                96740          PUD
        4235200          NATIONAL CITY MORTGAGE                          HI                96818          1 FAMILY
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        1776302          NATIONAL CITY MORTGAGE                          PA                15340          1 FAMILY
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        1777869          NATIONAL CITY MORTGAGE                          ID                83501          2 - 4 FAM
        1777929          NATIONAL CITY MORTGAGE                          IL                61820          2 - 4 FAM
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        1778214          NATIONAL CITY MORTGAGE                          MO                64152          1 FAMILY
        1778585          NATIONAL CITY MORTGAGE                          SC                29169          CONDO
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        3376366          NATIONAL CITY MORTGAGE                          NV                89506          PUD
        3380046          NATIONAL CITY MORTGAGE                          OH                45213          2 - 4 FAM
        3845079          NATIONAL CITY MORTGAGE                          MO                64128          1 FAMILY
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        3860991          NATIONAL CITY MORTGAGE                          MD                21230          CONDO
        3878415          NATIONAL CITY MORTGAGE                          VA                23112          PUD
        3879004          NATIONAL CITY MORTGAGE                          FL                32221          PUD
        3910185          NATIONAL CITY MORTGAGE                          MD                21216          1 FAMILY
        3991219          NATIONAL CITY MORTGAGE                          PA                18062          1 FAMILY
        3997678          NATIONAL CITY MORTGAGE                          SC                29205          1 FAMILY
        4033188          NATIONAL CITY MORTGAGE                          NY                11717          1 FAMILY
        4045112          NATIONAL CITY MORTGAGE                          IN                46012          2 - 4 FAM
        4046751          NATIONAL CITY MORTGAGE                          NJ                 7757          1 FAMILY
        4057111          NATIONAL CITY MORTGAGE                          TN                37214          CONDO
        4058831          NATIONAL CITY MORTGAGE                          ID                83402          2 - 4 FAM
        4062896          NATIONAL CITY MORTGAGE                          CA                92374          2 - 4 FAM
        4070522          NATIONAL CITY MORTGAGE                          CA                95206          1 FAMILY
        4071897          NATIONAL CITY MORTGAGE                          NY                12061          1 FAMILY
        4072806          NATIONAL CITY MORTGAGE                          NJ                 8108          1 FAMILY
        4078284          NATIONAL CITY MORTGAGE                          KS                66006          1 FAMILY
        4078357          NATIONAL CITY MORTGAGE                          NJ                 7087          2 - 4 FAM
        4080976          NATIONAL CITY MORTGAGE                          OR                97203          1 FAMILY
        4081662          NATIONAL CITY MORTGAGE                          MD                21217          PUD
        4083241          NATIONAL CITY MORTGAGE                          OH                44113          2 - 4 FAM
        4086649          NATIONAL CITY MORTGAGE                          CO                80211          1 FAMILY
        4087153          NATIONAL CITY MORTGAGE                          MO                63139          2 - 4 FAM
        4092441          NATIONAL CITY MORTGAGE                          NC                27529          1 FAMILY
        4092956          NATIONAL CITY MORTGAGE                          NJ                 8037          1 FAMILY
        4096539          NATIONAL CITY MORTGAGE                          NJ                 8104          2 - 4 FAM
        4097517          NATIONAL CITY MORTGAGE                          FL                32814          PUD
        4098610          NATIONAL CITY MORTGAGE                          OH                43123          2 - 4 FAM
        4100729          NATIONAL CITY MORTGAGE                          OK                73072          1 FAMILY
        4100731          NATIONAL CITY MORTGAGE                          OK                73170          PUD
        4101819          NATIONAL CITY MORTGAGE                          TX                78759          CONDO
        4103507          NATIONAL CITY MORTGAGE                          WV                26254          1 FAMILY
        4104508          NATIONAL CITY MORTGAGE                          MD                21037          1 FAMILY
        4105019          NATIONAL CITY MORTGAGE                          ID                83843          1 FAMILY
        4105709          NATIONAL CITY MORTGAGE                          CO                80238          PUD
        4105920          NATIONAL CITY MORTGAGE                          NJ                 8105          1 FAMILY
        4105925          NATIONAL CITY MORTGAGE                          NJ                 8105          1 FAMILY
        4108500          NATIONAL CITY MORTGAGE                          MO                64114          1 FAMILY
        4109583          NATIONAL CITY MORTGAGE                          VA                23454          1 FAMILY
        4110026          NATIONAL CITY MORTGAGE                          NY                11752          1 FAMILY
        4110165          NATIONAL CITY MORTGAGE                          VA                23505          1 FAMILY
        4110527          NATIONAL CITY MORTGAGE                          MI                48170          1 FAMILY
        4110925          NATIONAL CITY MORTGAGE                          MO                63034          PUD
        4111062          NATIONAL CITY MORTGAGE                          AZ                85635          1 FAMILY
        4111070          NATIONAL CITY MORTGAGE                          AZ                85635          1 FAMILY
        4116125          NATIONAL CITY MORTGAGE                          CA                90703          1 FAMILY
        4117725          NATIONAL CITY MORTGAGE                          VA                23223          2 - 4 FAM
        4118898          NATIONAL CITY MORTGAGE                          NV                89436          1 FAMILY
        4119590          NATIONAL CITY MORTGAGE                          CT                 6082          2 - 4 FAM
        4120183          NATIONAL CITY MORTGAGE                          CA                96019          1 FAMILY
        4121403          NATIONAL CITY MORTGAGE                          MD                21701          CONDO
        4125276          NATIONAL CITY MORTGAGE                          OH                43160          1 FAMILY
        4125706          NATIONAL CITY MORTGAGE                          MO                63376          1 FAMILY
        4128229          NATIONAL CITY MORTGAGE                          ID                83709          PUD
        4128318          NATIONAL CITY MORTGAGE                          NJ                 7305          2 - 4 FAM
        4128330          NATIONAL CITY MORTGAGE                          IN                46012          1 FAMILY
        4128878          NATIONAL CITY MORTGAGE                          GA                31405          1 FAMILY
        4132171          NATIONAL CITY MORTGAGE                          NC                28215          1 FAMILY
        4132322          NATIONAL CITY MORTGAGE                          IL                60194          CONDO
        4132583          NATIONAL CITY MORTGAGE                          NJ                 8724          CONDO
        4132612          NATIONAL CITY MORTGAGE                          NJ                 8107          2 - 4 FAM
        4132787          NATIONAL CITY MORTGAGE                          MD                21117          PUD
        4132814          NATIONAL CITY MORTGAGE                          CA                91355          CONDO
        4134019          NATIONAL CITY MORTGAGE                          VA                23462          1 FAMILY
        4134183          NATIONAL CITY MORTGAGE                          AZ                86001          1 FAMILY
        4134566          NATIONAL CITY MORTGAGE                          AZ                85303          PUD
        4134758          NATIONAL CITY MORTGAGE                          AZ                85335          PUD
        4134790          NATIONAL CITY MORTGAGE                          CA                90262          1 FAMILY
        4136230          NATIONAL CITY MORTGAGE                          AZ                85041          PUD
        4136478          NATIONAL CITY MORTGAGE                          CO                80911          1 FAMILY
        4136634          NATIONAL CITY MORTGAGE                          CA                94558          CONDO
        4136648          NATIONAL CITY MORTGAGE                          ID                83501          2 - 4 FAM
        4137927          NATIONAL CITY MORTGAGE                          AZ                85281          PUD
        4138060          NATIONAL CITY MORTGAGE                          VA                22959          1 FAMILY
        4138061          NATIONAL CITY MORTGAGE                          VA                22901          PUD
        4138239          NATIONAL CITY MORTGAGE                          OR                97138          1 FAMILY
        4138262          NATIONAL CITY MORTGAGE                          IL                60030          CONDO
        4138653          NATIONAL CITY MORTGAGE                          NH                 3609          2 - 4 FAM
        4138856          NATIONAL CITY MORTGAGE                          IL                60014          1 FAMILY
        4138965          NATIONAL CITY MORTGAGE                          FL                32712          1 FAMILY
        4139246          NATIONAL CITY MORTGAGE                          WA                98465          2 - 4 FAM
        4139359          NATIONAL CITY MORTGAGE                          OH                43011          1 FAMILY
        4140630          NATIONAL CITY MORTGAGE                          TX                78245          PUD
        4140636          NATIONAL CITY MORTGAGE                          TX                78233          1 FAMILY
        4141470          NATIONAL CITY MORTGAGE                          AZ                85234          PUD
        4142223          NATIONAL CITY MORTGAGE                          NY                11758          1 FAMILY
        4142505          NATIONAL CITY MORTGAGE                          AR                72774          2 - 4 FAM
        4142522          NATIONAL CITY MORTGAGE                          OH                44672          2 - 4 FAM
        4142652          NATIONAL CITY MORTGAGE                          RI                 2906          2 - 4 FAM
        4142722          NATIONAL CITY MORTGAGE                          IN                46528          2 - 4 FAM
        4143305          NATIONAL CITY MORTGAGE                          VA                23462          1 FAMILY
        4143317          NATIONAL CITY MORTGAGE                          WA                99217          2 - 4 FAM
        4144055          NATIONAL CITY MORTGAGE                          NH                 3465          2 - 4 FAM
        4144481          NATIONAL CITY MORTGAGE                          CA                92563          CONDO
        4144483          NATIONAL CITY MORTGAGE                          VA                23860          1 FAMILY
        4144626          NATIONAL CITY MORTGAGE                          VA                23237          1 FAMILY
        4144988          NATIONAL CITY MORTGAGE                          MO                63109          1 FAMILY
        4145341          NATIONAL CITY MORTGAGE                          MO                63130          2 - 4 FAM
        4145347          NATIONAL CITY MORTGAGE                          IL                60187          1 FAMILY
        4145820          NATIONAL CITY MORTGAGE                          GA                30082          1 FAMILY
        4146098          NATIONAL CITY MORTGAGE                          KY                40217          1 FAMILY
        4146695          NATIONAL CITY MORTGAGE                          VA                23234          1 FAMILY
        4147487          NATIONAL CITY MORTGAGE                          IL                60048          CONDO
        4147547          NATIONAL CITY MORTGAGE                          IN                47150          1 FAMILY
        4147700          NATIONAL CITY MORTGAGE                          GA                30047          1 FAMILY
        4148416          NATIONAL CITY MORTGAGE                          CA                95901          1 FAMILY
        4148523          NATIONAL CITY MORTGAGE                          NC                27526          1 FAMILY
        4148626          NATIONAL CITY MORTGAGE                          GA                30082          1 FAMILY
        4149884          NATIONAL CITY MORTGAGE                          CA                90003          1 FAMILY
        4150354          NATIONAL CITY MORTGAGE                          IL                61821          1 FAMILY
        4152010          NATIONAL CITY MORTGAGE                          IL                60194          CONDO
        4152349          NATIONAL CITY MORTGAGE                          TX                78232          1 FAMILY
        4152399          NATIONAL CITY MORTGAGE                          VA                22026          PUD
        4152458          NATIONAL CITY MORTGAGE                          VA                20109          PUD
        4152533          NATIONAL CITY MORTGAGE                          VA                23860          1 FAMILY
        4152860          NATIONAL CITY MORTGAGE                          PA                19406          1 FAMILY
        4153521          NATIONAL CITY MORTGAGE                          NC                28210          1 FAMILY
        4154080          NATIONAL CITY MORTGAGE                          OH                43235          2 - 4 FAM
        4154736          NATIONAL CITY MORTGAGE                          IL                60451          CONDO
        4154923          NATIONAL CITY MORTGAGE                          MD                21206          1 FAMILY
        4155700          NATIONAL CITY MORTGAGE                          TX                78749          1 FAMILY
        4155880          NATIONAL CITY MORTGAGE                          TX                75204          CONDO
        4156081          NATIONAL CITY MORTGAGE                          MD                21230          1 FAMILY
        4156704          NATIONAL CITY MORTGAGE                          TX                78240          PUD
        4156910          NATIONAL CITY MORTGAGE                          VA                23222          1 FAMILY
        4156939          NATIONAL CITY MORTGAGE                          WA                98290          CONDO
        4157913          NATIONAL CITY MORTGAGE                          CA                96002          1 FAMILY
        4158522          NATIONAL CITY MORTGAGE                          CA                95123          1 FAMILY
        4158893          NATIONAL CITY MORTGAGE                          VA                22407          PUD
        4158949          NATIONAL CITY MORTGAGE                          GA                30306          1 FAMILY
        4158962          NATIONAL CITY MORTGAGE                          FL                33909          1 FAMILY
        4159464          NATIONAL CITY MORTGAGE                          CA                95966          1 FAMILY
        4160941          NATIONAL CITY MORTGAGE                          PA                19114          2 - 4 FAM
        4161025          NATIONAL CITY MORTGAGE                          MI                48067          1 FAMILY
        4161482          NATIONAL CITY MORTGAGE                          MA                 1375          2 - 4 FAM
        4161485          NATIONAL CITY MORTGAGE                          MA                 1375          2 - 4 FAM
        4161546          NATIONAL CITY MORTGAGE                          MD                21231          CONDO
        4161550          NATIONAL CITY MORTGAGE                          VA                23707          2 - 4 FAM
        4161709          NATIONAL CITY MORTGAGE                          NC                28411          PUD
        4162253          NATIONAL CITY MORTGAGE                          NC                28012          1 FAMILY
        4162890          NATIONAL CITY MORTGAGE                          WA                98031          1 FAMILY
        4163642          NATIONAL CITY MORTGAGE                          FL                34232          1 FAMILY
        4163673          NATIONAL CITY MORTGAGE                          GA                30045          1 FAMILY
        4163680          NATIONAL CITY MORTGAGE                          CA                90026          2 - 4 FAM
        4163856          NATIONAL CITY MORTGAGE                          MO                63366          PUD
        4164197          NATIONAL CITY MORTGAGE                          CA                92116          2 - 4 FAM
        4164232          NATIONAL CITY MORTGAGE                          OH                43612          1 FAMILY
        4164272          NATIONAL CITY MORTGAGE                          CA                90716          1 FAMILY
        4164337          NATIONAL CITY MORTGAGE                          IN                46408          2 - 4 FAM
        4164388          NATIONAL CITY MORTGAGE                          OH                45420          1 FAMILY
        4164715          NATIONAL CITY MORTGAGE                          MD                20748          CONDO
        4165022          NATIONAL CITY MORTGAGE                          NC                27959          1 FAMILY
        4165047          NATIONAL CITY MORTGAGE                          CA                92026          PUD
        4165176          NATIONAL CITY MORTGAGE                          MO                63366          2 - 4 FAM
        4165223          NATIONAL CITY MORTGAGE                          CA                92281          1 FAMILY
        4165436          NATIONAL CITY MORTGAGE                          AZ                86401          1 FAMILY
        4166261          NATIONAL CITY MORTGAGE                          VA                22303          CONDO
        4166349          NATIONAL CITY MORTGAGE                          ID                83204          1 FAMILY
        4166877          NATIONAL CITY MORTGAGE                          PA                18104          2 - 4 FAM
        4167132          NATIONAL CITY MORTGAGE                          WA                98662          1 FAMILY
        4167617          NATIONAL CITY MORTGAGE                          DE                19945          1 FAMILY
        4167867          NATIONAL CITY MORTGAGE                          NJ                 7093          2 - 4 FAM
        4167875          NATIONAL CITY MORTGAGE                          SC                29464          1 FAMILY
        4168538          NATIONAL CITY MORTGAGE                          NJ                 8611          1 FAMILY
        4168565          NATIONAL CITY MORTGAGE                          PA                19143          2 - 4 FAM
        4168601          NATIONAL CITY MORTGAGE                          GA                30068          1 FAMILY
        4168794          NATIONAL CITY MORTGAGE                          TX                76014          1 FAMILY
        4169721          NATIONAL CITY MORTGAGE                          OK                73110          1 FAMILY
        4169883          NATIONAL CITY MORTGAGE                          OH                44240          1 FAMILY
        4170995          NATIONAL CITY MORTGAGE                          IL                60193          CONDO
        4171909          NATIONAL CITY MORTGAGE                          MD                20653          1 FAMILY
        4171975          NATIONAL CITY MORTGAGE                          HI                96789          CONDO
        4172164          NATIONAL CITY MORTGAGE                          IN                46036          1 FAMILY
        4172206          NATIONAL CITY MORTGAGE                          ID                83501          1 FAMILY
        4172394          NATIONAL CITY MORTGAGE                          IN                46220          1 FAMILY
        4172699          NATIONAL CITY MORTGAGE                          WA                98626          1 FAMILY
        4173005          NATIONAL CITY MORTGAGE                          OH                44017          2 - 4 FAM
        4173173          NATIONAL CITY MORTGAGE                          PA                17325          1 FAMILY
        4173396          NATIONAL CITY MORTGAGE                          OH                43440          1 FAMILY
        4173403          NATIONAL CITY MORTGAGE                          OH                44641          1 FAMILY
        4173514          NATIONAL CITY MORTGAGE                          NM                88101          1 FAMILY
        4173696          NATIONAL CITY MORTGAGE                          CA                96150          2 - 4 FAM
        4174057          NATIONAL CITY MORTGAGE                          NJ                 8360          1 FAMILY
        4174347          NATIONAL CITY MORTGAGE                          TX                75034          PUD
        4174408          NATIONAL CITY MORTGAGE                          CA                90047          1 FAMILY
        4174427          NATIONAL CITY MORTGAGE                          AZ                85242          PUD
        4174448          NATIONAL CITY MORTGAGE                          AZ                85281          PUD
        4174468          NATIONAL CITY MORTGAGE                          WA                98409          1 FAMILY
        4174596          NATIONAL CITY MORTGAGE                          IN                46220          1 FAMILY
        4174744          NATIONAL CITY MORTGAGE                          GA                30188          1 FAMILY
        4175262          NATIONAL CITY MORTGAGE                          MD                21113          1 FAMILY
        4175559          NATIONAL CITY MORTGAGE                          IN                46563          1 FAMILY
        4176504          NATIONAL CITY MORTGAGE                          OH                44857          1 FAMILY
        4176694          NATIONAL CITY MORTGAGE                          FL                34668          1 FAMILY
        4176768          NATIONAL CITY MORTGAGE                          WA                99208          1 FAMILY
        4176990          NATIONAL CITY MORTGAGE                          OH                44224          2 - 4 FAM
        4177120          NATIONAL CITY MORTGAGE                          GA                30277          1 FAMILY
        4177313          NATIONAL CITY MORTGAGE                          CA                95605          1 FAMILY
        4177426          NATIONAL CITY MORTGAGE                          KY                41014          2 - 4 FAM
        4178003          NATIONAL CITY MORTGAGE                          HI                96744          1 FAMILY
        4178063          NATIONAL CITY MORTGAGE                          FL                32750          PUD
        4178361          NATIONAL CITY MORTGAGE                          NC                27012          1 FAMILY
        4178657          NATIONAL CITY MORTGAGE                          WA                99212          1 FAMILY
        4179065          NATIONAL CITY MORTGAGE                          IL                61764          2 - 4 FAM
        4179096          NATIONAL CITY MORTGAGE                          MI                49007          1 FAMILY
        4179101          NATIONAL CITY MORTGAGE                          DC                20005          CONDO
        4179274          NATIONAL CITY MORTGAGE                          NC                27282          CONDO
        4179875          NATIONAL CITY MORTGAGE                          IN                46140          1 FAMILY
        4179995          NATIONAL CITY MORTGAGE                          MO                63025          1 FAMILY
        4180164          NATIONAL CITY MORTGAGE                          CA                92223          1 FAMILY
        4180244          NATIONAL CITY MORTGAGE                          CA                91206          1 FAMILY
        4180265          NATIONAL CITY MORTGAGE                          TX                78681          PUD
        4180294          NATIONAL CITY MORTGAGE                          MD                20746          CONDO
        4180329          NATIONAL CITY MORTGAGE                          AZ                85710          1 FAMILY
        4180370          NATIONAL CITY MORTGAGE                          OR                97206          1 FAMILY
        4180406          NATIONAL CITY MORTGAGE                          CA                93230          1 FAMILY
        4180660          NATIONAL CITY MORTGAGE                          NV                89148          PUD
        4180808          NATIONAL CITY MORTGAGE                          NH                 3055          CONDO
        4180836          NATIONAL CITY MORTGAGE                          CA                96080          1 FAMILY
        4181023          NATIONAL CITY MORTGAGE                          NM                87110          1 FAMILY
        4181028          NATIONAL CITY MORTGAGE                          MD                21795          1 FAMILY
        4181047          NATIONAL CITY MORTGAGE                          NH                 3840          2 - 4 FAM
        4181056          NATIONAL CITY MORTGAGE                          MO                64015          1 FAMILY
        4181243          NATIONAL CITY MORTGAGE                          NC                28205          1 FAMILY
        4181535          NATIONAL CITY MORTGAGE                          RI                 2860          2 - 4 FAM
        4181665          NATIONAL CITY MORTGAGE                          DE                19803          1 FAMILY
        4181861          NATIONAL CITY MORTGAGE                          CA                93221          1 FAMILY
        4182357          NATIONAL CITY MORTGAGE                          VA                23518          1 FAMILY
        4182408          NATIONAL CITY MORTGAGE                          AZ                85737          PUD
        4182580          NATIONAL CITY MORTGAGE                          WA                98611          1 FAMILY
        4182827          NATIONAL CITY MORTGAGE                          NC                28079          PUD
        4182870          NATIONAL CITY MORTGAGE                          TX                75044          1 FAMILY
        4183058          NATIONAL CITY MORTGAGE                          OH                45212          1 FAMILY
        4183283          NATIONAL CITY MORTGAGE                          AZ                85226          PUD
        4183317          NATIONAL CITY MORTGAGE                          PA                19464          1 FAMILY
        4183437          NATIONAL CITY MORTGAGE                          MA                 2121          2 - 4 FAM
        4183679          NATIONAL CITY MORTGAGE                          KY                40511          1 FAMILY
        4183893          NATIONAL CITY MORTGAGE                          TX                78703          1 FAMILY
        4184147          NATIONAL CITY MORTGAGE                          CA                92504          1 FAMILY
        4184235          NATIONAL CITY MORTGAGE                          GA                30312          1 FAMILY
        4184384          NATIONAL CITY MORTGAGE                          PA                15140          1 FAMILY
        4184753          NATIONAL CITY MORTGAGE                          TN                38117          1 FAMILY
        4184879          NATIONAL CITY MORTGAGE                          SC                29566          CONDO
        4184946          NATIONAL CITY MORTGAGE                          FL                33304          1 FAMILY
        4184961          NATIONAL CITY MORTGAGE                          IN                46227          1 FAMILY
        4185111          NATIONAL CITY MORTGAGE                          AZ                85629          PUD
        4185363          NATIONAL CITY MORTGAGE                          NJ                 8638          1 FAMILY
        4185419          NATIONAL CITY MORTGAGE                          VA                24015          1 FAMILY
        4185443          NATIONAL CITY MORTGAGE                          NJ                 8629          1 FAMILY
        4185458          NATIONAL CITY MORTGAGE                          NJ                 8613          1 FAMILY
        4185537          NATIONAL CITY MORTGAGE                          VA                23220          1 FAMILY
        4185720          NATIONAL CITY MORTGAGE                          IN                46121          PUD
        4185956          NATIONAL CITY MORTGAGE                          AZ                85748          1 FAMILY
        4185958          NATIONAL CITY MORTGAGE                          NJ                 8009          1 FAMILY
        4185976          NATIONAL CITY MORTGAGE                          MD                21740          1 FAMILY
        4186275          NATIONAL CITY MORTGAGE                          AZ                85706          1 FAMILY
        4186491          NATIONAL CITY MORTGAGE                          TX                75040          1 FAMILY
        4186560          NATIONAL CITY MORTGAGE                          CA                94530          2 - 4 FAM
        4186565          NATIONAL CITY MORTGAGE                          CA                92037          CONDO
        4186716          NATIONAL CITY MORTGAGE                          TX                78717          PUD
        4187131          NATIONAL CITY MORTGAGE                          AZ                85203          1 FAMILY
        4187422          NATIONAL CITY MORTGAGE                          MN                56303          1 FAMILY
        4187616          NATIONAL CITY MORTGAGE                          GA                30144          PUD
        4187744          NATIONAL CITY MORTGAGE                          OH                44107          2 - 4 FAM
        4188185          NATIONAL CITY MORTGAGE                          AZ                85013          CONDO
        4188407          NATIONAL CITY MORTGAGE                          OH                43201          1 FAMILY
        4188423          NATIONAL CITY MORTGAGE                          OH                43202          1 FAMILY
        4188681          NATIONAL CITY MORTGAGE                          DC                20032          2 - 4 FAM
        4189049          NATIONAL CITY MORTGAGE                          MI                48206          1 FAMILY
        4189268          NATIONAL CITY MORTGAGE                          CA                95678          1 FAMILY
        4189396          NATIONAL CITY MORTGAGE                          CA                92139          1 FAMILY
        4189449          NATIONAL CITY MORTGAGE                          OR                97501          2 - 4 FAM
        4189476          NATIONAL CITY MORTGAGE                          IL                60193          CONDO
        4189515          NATIONAL CITY MORTGAGE                          WA                98516          PUD
        4189519          NATIONAL CITY MORTGAGE                          NM                87106          2 - 4 FAM
        4189930          NATIONAL CITY MORTGAGE                          ID                83644          PUD
        4190067          NATIONAL CITY MORTGAGE                          CA                92701          2 - 4 FAM
        4190111          NATIONAL CITY MORTGAGE                          TX                78002          1 FAMILY
        4190217          NATIONAL CITY MORTGAGE                          GA                30066          1 FAMILY
        4190227          NATIONAL CITY MORTGAGE                          CA                90280          2 - 4 FAM
        4190440          NATIONAL CITY MORTGAGE                          KS                66061          1 FAMILY
        4190507          NATIONAL CITY MORTGAGE                          MO                63017          PUD
        4190539          NATIONAL CITY MORTGAGE                          CA                93309          1 FAMILY
        4190815          NATIONAL CITY MORTGAGE                          DC                20002          2 - 4 FAM
        4190876          NATIONAL CITY MORTGAGE                          VA                23462          1 FAMILY
        4191099          NATIONAL CITY MORTGAGE                          VA                22030          CONDO
        4191197          NATIONAL CITY MORTGAGE                          MI                49508          2 - 4 FAM
        4191278          NATIONAL CITY MORTGAGE                          VA                23452          1 FAMILY
        4191318          NATIONAL CITY MORTGAGE                          OH                43214          1 FAMILY
        4191340          NATIONAL CITY MORTGAGE                          AZ                85742          PUD
        4191452          NATIONAL CITY MORTGAGE                          ID                83686          PUD
        4191453          NATIONAL CITY MORTGAGE                          ID                83687          PUD
        4191762          NATIONAL CITY MORTGAGE                          WA                99163          CONDO
        4191820          NATIONAL CITY MORTGAGE                          NV                89431          1 FAMILY
        4192067          NATIONAL CITY MORTGAGE                          TX                78729          1 FAMILY
        4192155          NATIONAL CITY MORTGAGE                          CA                94931          1 FAMILY
        4192336          NATIONAL CITY MORTGAGE                          CA                92122          CONDO
        4192353          NATIONAL CITY MORTGAGE                          CA                92122          CONDO
        4192410          NATIONAL CITY MORTGAGE                          CO                80017          1 FAMILY
        4192473          NATIONAL CITY MORTGAGE                          VA                22664          1 FAMILY
        4193459          NATIONAL CITY MORTGAGE                          MI                48650          1 FAMILY
        4193474          NATIONAL CITY MORTGAGE                          AZ                85711          PUD
        4193535          NATIONAL CITY MORTGAGE                          AZ                85249          PUD
        4193548          NATIONAL CITY MORTGAGE                          AZ                85323          PUD
        4193568          NATIONAL CITY MORTGAGE                          AZ                85242          PUD
        4193589          NATIONAL CITY MORTGAGE                          TX                78660          PUD
        4193644          NATIONAL CITY MORTGAGE                          AR                72714          PUD
        4193654          NATIONAL CITY MORTGAGE                          CA                92345          1 FAMILY
        4193658          NATIONAL CITY MORTGAGE                          AZ                85224          PUD
        4193662          NATIONAL CITY MORTGAGE                          PA                15129          1 FAMILY
        4193679          NATIONAL CITY MORTGAGE                          WI                53140          1 FAMILY
        4193702          NATIONAL CITY MORTGAGE                          AZ                85204          1 FAMILY
        4193703          NATIONAL CITY MORTGAGE                          CO                80222          1 FAMILY
        4193718          NATIONAL CITY MORTGAGE                          AZ                85204          1 FAMILY
        4193742          NATIONAL CITY MORTGAGE                          NM                87120          1 FAMILY
        4193773          NATIONAL CITY MORTGAGE                          CT                 6902          CONDO
        4193774          NATIONAL CITY MORTGAGE                          HI                96822          CONDO
        4193916          NATIONAL CITY MORTGAGE                          AZ                85742          1 FAMILY
        4193925          NATIONAL CITY MORTGAGE                          IN                46901          1 FAMILY
        4194120          NATIONAL CITY MORTGAGE                          VA                22407          PUD
        4194297          NATIONAL CITY MORTGAGE                          MD                21804          1 FAMILY
        4194378          NATIONAL CITY MORTGAGE                          AZ                85741          PUD
        4194530          NATIONAL CITY MORTGAGE                          NH                 3874          1 FAMILY
        4194769          NATIONAL CITY MORTGAGE                          OH                43017          1 FAMILY
        4194796          NATIONAL CITY MORTGAGE                          OH                45431          CONDO
        4194966          NATIONAL CITY MORTGAGE                          MD                21213          1 FAMILY
        4194999          NATIONAL CITY MORTGAGE                          PA                15126          PUD
        4195270          NATIONAL CITY MORTGAGE                          OH                44123          1 FAMILY
        4195297          NATIONAL CITY MORTGAGE                          FL                32707          1 FAMILY
        4195509          NATIONAL CITY MORTGAGE                          IL                60586          PUD
        4195623          NATIONAL CITY MORTGAGE                          NE                68154          PUD
        4195644          NATIONAL CITY MORTGAGE                          TX                78757          2 - 4 FAM
        4195685          NATIONAL CITY MORTGAGE                          WA                99163          PUD
        4195727          NATIONAL CITY MORTGAGE                          MI                48819          1 FAMILY
        4195747          NATIONAL CITY MORTGAGE                          CO                80120          2 - 4 FAM
        4195787          NATIONAL CITY MORTGAGE                          HI                96738          PUD
        4196235          NATIONAL CITY MORTGAGE                          VA                23224          1 FAMILY
        4196409          NATIONAL CITY MORTGAGE                          MA                 2126          1 FAMILY
        4196991          NATIONAL CITY MORTGAGE                          MO                64138          1 FAMILY
        4197014          NATIONAL CITY MORTGAGE                          TX                75052          1 FAMILY
        4197016          NATIONAL CITY MORTGAGE                          CO                80918          2 - 4 FAM
        4197041          NATIONAL CITY MORTGAGE                          FL                32803          2 - 4 FAM
        4197334          NATIONAL CITY MORTGAGE                          NV                89434          1 FAMILY
        4197832          NATIONAL CITY MORTGAGE                          CA                93535          1 FAMILY
        4197844          NATIONAL CITY MORTGAGE                          NH                 3874          1 FAMILY
        4197897          NATIONAL CITY MORTGAGE                          CO                80918          2 - 4 FAM
        4198126          NATIONAL CITY MORTGAGE                          MA                 1923          2 - 4 FAM
        4198127          NATIONAL CITY MORTGAGE                          CA                92656          CONDO
        4198224          NATIONAL CITY MORTGAGE                          TN                37404          1 FAMILY
        4198238          NATIONAL CITY MORTGAGE                          CA                92307          1 FAMILY
        4198280          NATIONAL CITY MORTGAGE                          CA                95014          PUD
        4198528          NATIONAL CITY MORTGAGE                          AZ                85323          PUD
        4198554          NATIONAL CITY MORTGAGE                          TX                78748          PUD
        4198595          NATIONAL CITY MORTGAGE                          AZ                85022          PUD
        4198994          NATIONAL CITY MORTGAGE                          CA                95062          1 FAMILY
        4199005          NATIONAL CITY MORTGAGE                          NJ                 8094          1 FAMILY
        4199072          NATIONAL CITY MORTGAGE                          GA                31410          1 FAMILY
        4199460          NATIONAL CITY MORTGAGE                          CA                94561          1 FAMILY
        4199797          NATIONAL CITY MORTGAGE                          TX                79936          1 FAMILY
        4200178          NATIONAL CITY MORTGAGE                          IN                47933          1 FAMILY
        4200343          NATIONAL CITY MORTGAGE                          MD                20902          1 FAMILY
        4200483          NATIONAL CITY MORTGAGE                          VA                24014          2 - 4 FAM
        4200489          NATIONAL CITY MORTGAGE                          VA                24014          2 - 4 FAM
        4200623          NATIONAL CITY MORTGAGE                          TX                78729          2 - 4 FAM
        4200676          NATIONAL CITY MORTGAGE                          AZ                85737          PUD
        4200708          NATIONAL CITY MORTGAGE                          AZ                85748          PUD
        4200762          NATIONAL CITY MORTGAGE                          WV                25401          PUD
        4200898          NATIONAL CITY MORTGAGE                          IN                46143          1 FAMILY
        4201413          NATIONAL CITY MORTGAGE                          OR                97266          1 FAMILY
        4201645          NATIONAL CITY MORTGAGE                          TX                78731          2 - 4 FAM
        4201684          NATIONAL CITY MORTGAGE                          DC                20018          1 FAMILY
        4201924          NATIONAL CITY MORTGAGE                          TX                75150          1 FAMILY
        4201935          NATIONAL CITY MORTGAGE                          AZ                85259          CONDO
        4201966          NATIONAL CITY MORTGAGE                          OR                97024          PUD
        4202001          NATIONAL CITY MORTGAGE                          NV                89032          1 FAMILY
        4202029          NATIONAL CITY MORTGAGE                          TX                78753          1 FAMILY
        4202068          NATIONAL CITY MORTGAGE                          FL                33181          CONDO
        4202087          NATIONAL CITY MORTGAGE                          NC                28468          1 FAMILY
        4202102          NATIONAL CITY MORTGAGE                          WI                53207          2 - 4 FAM
        4202320          NATIONAL CITY MORTGAGE                          OH                45244          CONDO
        4202357          NATIONAL CITY MORTGAGE                          TX                78758          2 - 4 FAM
        4202379          NATIONAL CITY MORTGAGE                          PA                16046          PUD
        4202385          NATIONAL CITY MORTGAGE                          KS                67216          1 FAMILY
        4202741          NATIONAL CITY MORTGAGE                          NJ                 7403          2 - 4 FAM
        4202940          NATIONAL CITY MORTGAGE                          TX                79934          1 FAMILY
        4203036          NATIONAL CITY MORTGAGE                          MD                20850          CONDO
        4203092          NATIONAL CITY MORTGAGE                          OH                45409          1 FAMILY
        4203187          NATIONAL CITY MORTGAGE                          KS                66062          2 - 4 FAM
        4203192          NATIONAL CITY MORTGAGE                          KS                66204          1 FAMILY
        4203298          NATIONAL CITY MORTGAGE                          MI                48911          1 FAMILY
        4203961          NATIONAL CITY MORTGAGE                          KS                66062          1 FAMILY
        4204039          NATIONAL CITY MORTGAGE                          IL                61704          CONDO
        4204063          NATIONAL CITY MORTGAGE                          MD                21702          PUD
        4204117          NATIONAL CITY MORTGAGE                          FL                34746          PUD
        4204181          NATIONAL CITY MORTGAGE                          TX                76086          1 FAMILY
        4204266          NATIONAL CITY MORTGAGE                          WA                99403          1 FAMILY
        4204786          NATIONAL CITY MORTGAGE                          NC                28613          1 FAMILY
        4204799          NATIONAL CITY MORTGAGE                          CA                95222          1 FAMILY
        4204985          NATIONAL CITY MORTGAGE                          AZ                85251          1 FAMILY
        4205058          NATIONAL CITY MORTGAGE                          MD                21227          1 FAMILY
        4205109          NATIONAL CITY MORTGAGE                          CO                80129          PUD
        4205390          NATIONAL CITY MORTGAGE                          AR                71854          1 FAMILY
        4205396          NATIONAL CITY MORTGAGE                          TX                76123          PUD
        4205404          NATIONAL CITY MORTGAGE                          TX                75034          PUD
        4205413          NATIONAL CITY MORTGAGE                          TX                75034          PUD
        4205438          NATIONAL CITY MORTGAGE                          GA                30314          1 FAMILY
        4205442          NATIONAL CITY MORTGAGE                          CA                93230          1 FAMILY
        4205481          NATIONAL CITY MORTGAGE                          CA                93274          1 FAMILY
        4205533          NATIONAL CITY MORTGAGE                          TX                77840          1 FAMILY
        4205542          NATIONAL CITY MORTGAGE                          TX                77840          1 FAMILY
        4205705          NATIONAL CITY MORTGAGE                          OR                97333          2 - 4 FAM
        4205747          NATIONAL CITY MORTGAGE                          CO                80124          PUD
        4205886          NATIONAL CITY MORTGAGE                          MO                63780          1 FAMILY
        4206330          NATIONAL CITY MORTGAGE                          UT                84102          2 - 4 FAM
        4206399          NATIONAL CITY MORTGAGE                          TX                75002          1 FAMILY
        4206601          NATIONAL CITY MORTGAGE                          WA                98258          1 FAMILY
        4206607          NATIONAL CITY MORTGAGE                          TX                78758          1 FAMILY
        4206785          NATIONAL CITY MORTGAGE                          MO                65202          1 FAMILY
        4206987          NATIONAL CITY MORTGAGE                          MD                21015          PUD
        4207229          NATIONAL CITY MORTGAGE                          OK                73135          1 FAMILY
        4207230          NATIONAL CITY MORTGAGE                          OK                73064          PUD
        4207307          NATIONAL CITY MORTGAGE                          FL                32137          PUD
        4207491          NATIONAL CITY MORTGAGE                          MD                21146          PUD
        4207932          NATIONAL CITY MORTGAGE                          MO                63104          2 - 4 FAM
        4207947          NATIONAL CITY MORTGAGE                          OH                43110          1 FAMILY
        4207997          NATIONAL CITY MORTGAGE                          PA                17112          1 FAMILY
        4208149          NATIONAL CITY MORTGAGE                          AZ                85713          1 FAMILY
        4208165          NATIONAL CITY MORTGAGE                          TX                78620          1 FAMILY
        4208176          NATIONAL CITY MORTGAGE                          CA                92220          1 FAMILY
        4208695          NATIONAL CITY MORTGAGE                          MI                48206          2 - 4 FAM
        4208710          NATIONAL CITY MORTGAGE                          MI                48224          1 FAMILY
        4208713          NATIONAL CITY MORTGAGE                          MI                48227          1 FAMILY
        4209038          NATIONAL CITY MORTGAGE                          OH                45230          1 FAMILY
        4209185          NATIONAL CITY MORTGAGE                          AZ                85737          PUD
        4209249          NATIONAL CITY MORTGAGE                          GA                30034          1 FAMILY
        4209260          NATIONAL CITY MORTGAGE                          CA                91911          1 FAMILY
        4209367          NATIONAL CITY MORTGAGE                          IL                60107          CONDO
        4209428          NATIONAL CITY MORTGAGE                          CO                80215          CONDO
        4209449          NATIONAL CITY MORTGAGE                          OH                44320          1 FAMILY
        4209456          NATIONAL CITY MORTGAGE                          AZ                85041          PUD
        4209468          NATIONAL CITY MORTGAGE                          OH                44306          1 FAMILY
        4209474          NATIONAL CITY MORTGAGE                          IN                46221          1 FAMILY
        4209497          NATIONAL CITY MORTGAGE                          IN                46201          2 - 4 FAM
        4209529          NATIONAL CITY MORTGAGE                          CA                93245          1 FAMILY
        4209540          NATIONAL CITY MORTGAGE                          AZ                85719          CONDO
        4209552          NATIONAL CITY MORTGAGE                          AZ                85711          1 FAMILY
        4209569          NATIONAL CITY MORTGAGE                          SD                57701          PUD
        4209582          NATIONAL CITY MORTGAGE                          AZ                85716          1 FAMILY
        4209672          NATIONAL CITY MORTGAGE                          AZ                85027          CONDO
        4209725          NATIONAL CITY MORTGAGE                          CO                81401          1 FAMILY
        4209916          NATIONAL CITY MORTGAGE                          ID                83706          1 FAMILY
        4209977          NATIONAL CITY MORTGAGE                          UT                84057          2 - 4 FAM
        4210037          NATIONAL CITY MORTGAGE                          TX                76001          1 FAMILY
        4210095          NATIONAL CITY MORTGAGE                          IN                46123          1 FAMILY
        4210256          NATIONAL CITY MORTGAGE                          WA                98408          1 FAMILY
        4210438          NATIONAL CITY MORTGAGE                          MD                20712          1 FAMILY
        4210581          NATIONAL CITY MORTGAGE                          IN                47129          1 FAMILY
        4210733          NATIONAL CITY MORTGAGE                          AZ                85225          CONDO
        4210741          NATIONAL CITY MORTGAGE                          AZ                85283          1 FAMILY
        4210777          NATIONAL CITY MORTGAGE                          MA                 1843          2 - 4 FAM
        4210826          NATIONAL CITY MORTGAGE                          AZ                85719          CONDO
        4210841          NATIONAL CITY MORTGAGE                          IL                60455          2 - 4 FAM
        4210881          NATIONAL CITY MORTGAGE                          TX                78745          1 FAMILY
        4211028          NATIONAL CITY MORTGAGE                          AZ                85282          1 FAMILY
        4211702          NATIONAL CITY MORTGAGE                          FL                33860          1 FAMILY
        4211798          NATIONAL CITY MORTGAGE                          MD                20815          CONDO
        4211840          NATIONAL CITY MORTGAGE                          AZ                85044          PUD
        4212102          NATIONAL CITY MORTGAGE                          WA                98092          CONDO
        4212204          NATIONAL CITY MORTGAGE                          OH                44824          1 FAMILY
        4212226          NATIONAL CITY MORTGAGE                          GA                30127          1 FAMILY
        4212240          NATIONAL CITY MORTGAGE                          AZ                85048          PUD
        4212300          NATIONAL CITY MORTGAGE                          CO                80907          1 FAMILY
        4212305          NATIONAL CITY MORTGAGE                          IL                60178          1 FAMILY
        4212494          NATIONAL CITY MORTGAGE                          AZ                85935          PUD
        4212716          NATIONAL CITY MORTGAGE                          NY                14607          2 - 4 FAM
        4213140          NATIONAL CITY MORTGAGE                          WA                98632          1 FAMILY
        4213409          NATIONAL CITY MORTGAGE                          IL                61701          1 FAMILY
        4213598          NATIONAL CITY MORTGAGE                          OH                45406          1 FAMILY
        4213680          NATIONAL CITY MORTGAGE                          GA                31907          1 FAMILY
        4213722          NATIONAL CITY MORTGAGE                          MD                21740          1 FAMILY
        4213767          NATIONAL CITY MORTGAGE                          UT                84058          1 FAMILY
        4213887          NATIONAL CITY MORTGAGE                          CA                95747          1 FAMILY
        4213954          NATIONAL CITY MORTGAGE                          UT                84321          1 FAMILY
        4214784          NATIONAL CITY MORTGAGE                          CA                95051          1 FAMILY
        4214992          NATIONAL CITY MORTGAGE                          PA                15204          1 FAMILY
        4215145          NATIONAL CITY MORTGAGE                          OH                44314          2 - 4 FAM
        4215337          NATIONAL CITY MORTGAGE                          OR                97601          1 FAMILY
        4215767          NATIONAL CITY MORTGAGE                          PA                18041          PUD
        4215834          NATIONAL CITY MORTGAGE                          NJ                 7003          2 - 4 FAM
        4216298          NATIONAL CITY MORTGAGE                          AZ                85712          1 FAMILY
        4217020          NATIONAL CITY MORTGAGE                          OR                97756          2 - 4 FAM
        4217058          NATIONAL CITY MORTGAGE                          IN                47712          1 FAMILY
        4217176          NATIONAL CITY MORTGAGE                          CA                92584          1 FAMILY
        4217240          NATIONAL CITY MORTGAGE                          MI                48823          2 - 4 FAM
        4217513          NATIONAL CITY MORTGAGE                          CA                92562          CONDO
        4217581          NATIONAL CITY MORTGAGE                          TX                75181          PUD
        4217879          NATIONAL CITY MORTGAGE                          DC                20032          1 FAMILY
        4217885          NATIONAL CITY MORTGAGE                          DC                20032          2 - 4 FAM
        4217913          NATIONAL CITY MORTGAGE                          OR                97366          1 FAMILY
        4217944          NATIONAL CITY MORTGAGE                          VA                22172          PUD
        4218292          NATIONAL CITY MORTGAGE                          CA                91730          CONDO
        4218322          NATIONAL CITY MORTGAGE                          CO                81301          1 FAMILY
        4218412          NATIONAL CITY MORTGAGE                          CA                96013          1 FAMILY
        4218481          NATIONAL CITY MORTGAGE                          WY                82601          1 FAMILY
        4218728          NATIONAL CITY MORTGAGE                          WA                98407          1 FAMILY
        4218757          NATIONAL CITY MORTGAGE                          PA                17316          1 FAMILY
        4218912          NATIONAL CITY MORTGAGE                          SC                29420          1 FAMILY
        4219341          NATIONAL CITY MORTGAGE                          CA                95841          1 FAMILY
        4219642          NATIONAL CITY MORTGAGE                          KS                66762          1 FAMILY
        4219648          NATIONAL CITY MORTGAGE                          WA                98512          PUD
        4219688          NATIONAL CITY MORTGAGE                          CA                96003          1 FAMILY
        4219757          NATIONAL CITY MORTGAGE                          TX                75181          1 FAMILY
        4219767          NATIONAL CITY MORTGAGE                          TN                37931          1 FAMILY
        4219771          NATIONAL CITY MORTGAGE                          OH                45245          CONDO
        4220268          NATIONAL CITY MORTGAGE                          CO                80524          1 FAMILY
        4220415          NATIONAL CITY MORTGAGE                          OR                97062          1 FAMILY
        4221289          NATIONAL CITY MORTGAGE                          CA                95966          1 FAMILY
        4222046          NATIONAL CITY MORTGAGE                          MD                21206          1 FAMILY
        4222635          NATIONAL CITY MORTGAGE                          AZ                85243          PUD
        4222871          NATIONAL CITY MORTGAGE                          OH                44130          1 FAMILY
        4223067          NATIONAL CITY MORTGAGE                          NJ                 7060          1 FAMILY
        4223115          NATIONAL CITY MORTGAGE                          TX                75032          1 FAMILY
        4223246          NATIONAL CITY MORTGAGE                          TX                75040          1 FAMILY
        4223261          NATIONAL CITY MORTGAGE                          ME                 4102          1 FAMILY
        4223305          NATIONAL CITY MORTGAGE                          TX                75080          1 FAMILY
        4223995          NATIONAL CITY MORTGAGE                          UT                84738          1 FAMILY
        4224025          NATIONAL CITY MORTGAGE                          AZ                85746          PUD
        4224037          NATIONAL CITY MORTGAGE                          AZ                85650          1 FAMILY
        4224280          NATIONAL CITY MORTGAGE                          ID                83843          1 FAMILY
        4224307          NATIONAL CITY MORTGAGE                          TX                78750          1 FAMILY
        4225035          NATIONAL CITY MORTGAGE                          IL                61761          1 FAMILY
        4225979          NATIONAL CITY MORTGAGE                          CA                95966          1 FAMILY
        4226117          NATIONAL CITY MORTGAGE                          AZ                85205          PUD
        4226331          NATIONAL CITY MORTGAGE                          TX                75067          1 FAMILY
        4226337          NATIONAL CITY MORTGAGE                          ME                 4046          1 FAMILY
        4226419          NATIONAL CITY MORTGAGE                          CA                94521          CONDO
        4226453          NATIONAL CITY MORTGAGE                          PA                19142          1 FAMILY
        4226467          NATIONAL CITY MORTGAGE                          WA                98371          1 FAMILY
        4226685          NATIONAL CITY MORTGAGE                          NM                87110          1 FAMILY
        4226853          NATIONAL CITY MORTGAGE                          AZ                85284          PUD
        4226861          NATIONAL CITY MORTGAGE                          AZ                85712          1 FAMILY
        4227376          NATIONAL CITY MORTGAGE                          PA                17011          1 FAMILY
        4227403          NATIONAL CITY MORTGAGE                          CA                92071          CONDO
        4227692          NATIONAL CITY MORTGAGE                          NJ                 8066          1 FAMILY
        4227725          NATIONAL CITY MORTGAGE                          NJ                 8610          1 FAMILY
        4228904          NATIONAL CITY MORTGAGE                          IL                60637          1 FAMILY
        4229463          NATIONAL CITY MORTGAGE                          FL                32333          1 FAMILY
        4229566          NATIONAL CITY MORTGAGE                          OR                97219          1 FAMILY
        4229632          NATIONAL CITY MORTGAGE                          UT                84067          1 FAMILY
        4229844          NATIONAL CITY MORTGAGE                          WA                98513          PUD
        4230040          NATIONAL CITY MORTGAGE                          CO                80922          1 FAMILY
        4230048          NATIONAL CITY MORTGAGE                          CA                94114          2 - 4 FAM
        4230074          NATIONAL CITY MORTGAGE                          VA                23322          1 FAMILY
        4230249          NATIONAL CITY MORTGAGE                          IL                60640          CONDO
        4230760          NATIONAL CITY MORTGAGE                          GA                30062          PUD
        4230988          NATIONAL CITY MORTGAGE                          TX                78241          1 FAMILY
        4231067          NATIONAL CITY MORTGAGE                          MO                64055          1 FAMILY
        4231709          NATIONAL CITY MORTGAGE                          IL                61761          CONDO
        4232319          NATIONAL CITY MORTGAGE                          CA                93720          1 FAMILY
        4232438          NATIONAL CITY MORTGAGE                          CA                94585          1 FAMILY
        4232561          NATIONAL CITY MORTGAGE                          TX                76123          PUD
        4232834          NATIONAL CITY MORTGAGE                          OH                45044          CONDO
        4232980          NATIONAL CITY MORTGAGE                          CA                94602          2 - 4 FAM
        4233336          NATIONAL CITY MORTGAGE                          IN                46038          PUD
        4233449          NATIONAL CITY MORTGAGE                          CA                92677          CONDO
        4233749          NATIONAL CITY MORTGAGE                          VA                22032          1 FAMILY
        4234198          NATIONAL CITY MORTGAGE                          NV                89506          1 FAMILY
        4234862          NATIONAL CITY MORTGAGE                          TX                75074          1 FAMILY
        4234935          NATIONAL CITY MORTGAGE                          TX                76247          PUD
        4235132          NATIONAL CITY MORTGAGE                          AZ                85006          1 FAMILY
        4235690          NATIONAL CITY MORTGAGE                          NY                14611          1 FAMILY
        4235886          NATIONAL CITY MORTGAGE                          GA                30052          1 FAMILY
        4235975          NATIONAL CITY MORTGAGE                          MD                21114          PUD
        4235994          NATIONAL CITY MORTGAGE                          NH                 3049          1 FAMILY
        4236056          NATIONAL CITY MORTGAGE                          CA                92154          PUD
        4236379          NATIONAL CITY MORTGAGE                          AZ                85635          1 FAMILY
        4236395          NATIONAL CITY MORTGAGE                          AZ                85704          PUD
        4236473          NATIONAL CITY MORTGAGE                          MA                 2127          1 FAMILY
        4236505          NATIONAL CITY MORTGAGE                          TX                78641          PUD
        4236554          NATIONAL CITY MORTGAGE                          ME                 4092          1 FAMILY
        4236976          NATIONAL CITY MORTGAGE                          OH                44124          CONDO
        4237297          NATIONAL CITY MORTGAGE                          CA                95242          CONDO
        4237533          NATIONAL CITY MORTGAGE                          GA                30311          1 FAMILY
        4237554          NATIONAL CITY MORTGAGE                          AZ                85203          1 FAMILY
        4237614          NATIONAL CITY MORTGAGE                          CA                95838          1 FAMILY
        4237637          NATIONAL CITY MORTGAGE                          MD                21128          1 FAMILY
        4237817          NATIONAL CITY MORTGAGE                          CA                92509          1 FAMILY
        4238288          NATIONAL CITY MORTGAGE                          AZ                85215          PUD
        4238339          NATIONAL CITY MORTGAGE                          CO                80134          PUD
        4238447          NATIONAL CITY MORTGAGE                          CT                 6040          CONDO
        4238477          NATIONAL CITY MORTGAGE                          OK                74437          1 FAMILY
        4238501          NATIONAL CITY MORTGAGE                          NM                87144          PUD
        4238747          NATIONAL CITY MORTGAGE                          IL                60426          1 FAMILY
        4239031          NATIONAL CITY MORTGAGE                          IL                60426          1 FAMILY
        4239992          NATIONAL CITY MORTGAGE                          IL                60644          1 FAMILY
        4240188          NATIONAL CITY MORTGAGE                          GA                30180          CONDO
        4240290          NATIONAL CITY MORTGAGE                          HI                96782          2 - 4 FAM
        4240426          NATIONAL CITY MORTGAGE                          CA                92009          1 FAMILY
        4240763          NATIONAL CITY MORTGAGE                          WA                98110          CONDO
        4240803          NATIONAL CITY MORTGAGE                          CA                96039          1 FAMILY
        4241335          NATIONAL CITY MORTGAGE                          OR                97540          1 FAMILY
        4241448          NATIONAL CITY MORTGAGE                          AZ                85201          PUD
        4243282          NATIONAL CITY MORTGAGE                          TX                75181          1 FAMILY
        1776284          NATIONAL CITY MORTGAGE                          MI                48393          CONDO
        1777260          NATIONAL CITY MORTGAGE                          VA                23663          1 FAMILY
        1778242          NATIONAL CITY MORTGAGE                          IL                60656          1 FAMILY
        3380341          NATIONAL CITY MORTGAGE                          MD                20874          PUD
        3380437          NATIONAL CITY MORTGAGE                          IL                61107          1 FAMILY
        3381000          NATIONAL CITY MORTGAGE                          NV                89408          1 FAMILY
        3871775          NATIONAL CITY MORTGAGE                          VA                23314          PUD
        4017212          NATIONAL CITY MORTGAGE                          CA                95757          1 FAMILY
        4094948          NATIONAL CITY MORTGAGE                          MO                63116          1 FAMILY
        4119458          NATIONAL CITY MORTGAGE                          CA                95757          PUD
        4128337          NATIONAL CITY MORTGAGE                          CO                80863          PUD
        4132418          NATIONAL CITY MORTGAGE                          GA                31401          CONDO
        4134149          NATIONAL CITY MORTGAGE                          CA                96022          PUD
        4139505          NATIONAL CITY MORTGAGE                          WA                98409          1 FAMILY
        4144420          NATIONAL CITY MORTGAGE                          FL                32708          1 FAMILY
        4154129          NATIONAL CITY MORTGAGE                          OR                97701          1 FAMILY
        4157822          NATIONAL CITY MORTGAGE                          NJ                 7109          1 FAMILY
        4160790          NATIONAL CITY MORTGAGE                          MD                21122          1 FAMILY
        4161602          NATIONAL CITY MORTGAGE                          IL                60605          CONDO
        4166787          NATIONAL CITY MORTGAGE                          FL                33611          PUD
        4169706          NATIONAL CITY MORTGAGE                          VA                20169          1 FAMILY
        4169814          NATIONAL CITY MORTGAGE                          VA                22307          1 FAMILY
        4172737          NATIONAL CITY MORTGAGE                          AZ                85024          PUD
        4172926          NATIONAL CITY MORTGAGE                          MD                21157          1 FAMILY
        4176453          NATIONAL CITY MORTGAGE                          MD                21044          1 FAMILY
        4176821          NATIONAL CITY MORTGAGE                          VA                23059          CONDO
        4178998          NATIONAL CITY MORTGAGE                          PA                18708          1 FAMILY
        4184877          NATIONAL CITY MORTGAGE                          VA                23322          1 FAMILY
        4185816          NATIONAL CITY MORTGAGE                          PA                15142          PUD
        4187757          NATIONAL CITY MORTGAGE                          MD                20659          1 FAMILY
        4188066          NATIONAL CITY MORTGAGE                          VA                23060          1 FAMILY
        4193958          NATIONAL CITY MORTGAGE                          CA                95210          2 - 4 FAM
        4194534          NATIONAL CITY MORTGAGE                          DE                19934          1 FAMILY
        4198057          NATIONAL CITY MORTGAGE                          CA                90019          1 FAMILY
        4198233          NATIONAL CITY MORTGAGE                          CA                92595          1 FAMILY
        4202415          NATIONAL CITY MORTGAGE                          VA                24328          1 FAMILY
        4203222          NATIONAL CITY MORTGAGE                          CA                95382          1 FAMILY
        4203292          NATIONAL CITY MORTGAGE                          IL                60174          1 FAMILY
        4203347          NATIONAL CITY MORTGAGE                          UT                84660          1 FAMILY
        4204086          NATIONAL CITY MORTGAGE                          CO                80831          1 FAMILY
        4209802          NATIONAL CITY MORTGAGE                          VA                22042          1 FAMILY
        4210479          NATIONAL CITY MORTGAGE                          VA                22304          CONDO
        4210728          NATIONAL CITY MORTGAGE                          DE                19901          PUD
        4212145          NATIONAL CITY MORTGAGE                          MD                20877          CONDO
        4212751          NATIONAL CITY MORTGAGE                          CA                93561          1 FAMILY
        4213481          NATIONAL CITY MORTGAGE                          VA                22314          CONDO
        4213635          NATIONAL CITY MORTGAGE                          VA                23452          1 FAMILY
        4215503          NATIONAL CITY MORTGAGE                          MD                21044          PUD
        4215533          NATIONAL CITY MORTGAGE                          IL                61701          1 FAMILY
        4215907          NATIONAL CITY MORTGAGE                          WA                98366          1 FAMILY
        4216138          NATIONAL CITY MORTGAGE                          MI                48329          1 FAMILY
        4216713          NATIONAL CITY MORTGAGE                          NC                28117          PUD
        4217531          NATIONAL CITY MORTGAGE                          AZ                85032          1 FAMILY
        4218669          NATIONAL CITY MORTGAGE                          VA                23454          1 FAMILY
        4219069          NATIONAL CITY MORTGAGE                          ID                83605          2 - 4 FAM
        4219192          NATIONAL CITY MORTGAGE                          VA                23703          1 FAMILY
        4219475          NATIONAL CITY MORTGAGE                          IL                60630          1 FAMILY
        4220491          NATIONAL CITY MORTGAGE                          MD                20743          PUD
        4222638          NATIONAL CITY MORTGAGE                          NV                89503          1 FAMILY
        4223022          NATIONAL CITY MORTGAGE                          VA                23236          1 FAMILY
        4225100          NATIONAL CITY MORTGAGE                          WA                98498          PUD
        4225757          NATIONAL CITY MORTGAGE                          TN                38104          1 FAMILY
        4227787          NATIONAL CITY MORTGAGE                          VA                23434          1 FAMILY
        4228125          NATIONAL CITY MORTGAGE                          VA                23702          1 FAMILY
        4228161          NATIONAL CITY MORTGAGE                          VA                23322          1 FAMILY
        4228289          NATIONAL CITY MORTGAGE                          OH                43017          CONDO
        4231136          NATIONAL CITY MORTGAGE                          PA                18062          1 FAMILY
        4231497          NATIONAL CITY MORTGAGE                          VA                23322          PUD
        4231560          NATIONAL CITY MORTGAGE                          MD                20735          PUD
        4233872          NATIONAL CITY MORTGAGE                          VA                23434          PUD
        4234300          NATIONAL CITY MORTGAGE                          OH                43201          PUD
        4236362          NATIONAL CITY MORTGAGE                          FL                32084          PUD
        4236695          NATIONAL CITY MORTGAGE                          OR                97503          1 FAMILY
        4236706          NATIONAL CITY MORTGAGE                          WA                99004          PUD
        4237261          NATIONAL CITY MORTGAGE                          CA                95835          CONDO
        4237443          NATIONAL CITY MORTGAGE                          WA                98366          PUD
        4238984          NATIONAL CITY MORTGAGE                          MD                20678          PUD
        4239279          NATIONAL CITY MORTGAGE                          WA                98422          2 - 4 FAM
        4240528          NATIONAL CITY MORTGAGE                          AZ                85383          1 FAMILY
        4242218          NATIONAL CITY MORTGAGE                          VA                23505          1 FAMILY
        4242853          NATIONAL CITY MORTGAGE                          OH                44202          1 FAMILY
        4245462          NATIONAL CITY MORTGAGE                          IL                60641          2 - 4 FAM
        4252431          NATIONAL CITY MORTGAGE                          MA                 2121          2 - 4 FAM
        4253181          NATIONAL CITY MORTGAGE                          NV                89113          PUD
        4253682          NATIONAL CITY MORTGAGE                          CA                92056          PUD
        4254606          NATIONAL CITY MORTGAGE                          DC                20019          1 FAMILY
        4260943          NATIONAL CITY MORTGAGE                          OH                45209          1 FAMILY
        4263521          NATIONAL CITY MORTGAGE                          AZ                85243          PUD
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        4278227          NATIONAL CITY MORTGAGE                          CA                91710          1 FAMILY
       19877208          WELLS FARGO                                     IL                60142          1 FAMILY
       52505336          WELLS FARGO                                     CA                92584          1 FAMILY
       53293197          WELLS FARGO                                     FL                33309          CONDO
       53670964          WELLS FARGO                                     CA                95242          CONDO
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       44766495          COUNTRYWIDE                                     CA                92359          1 FAMILY
       56963505          COUNTRYWIDE                                     CA                92037          CONDO
       62916973          COUNTRYWIDE                                     CA                92127          PUD
       63964573          COUNTRYWIDE                                     TX                75068          PUD
       64731607          COUNTRYWIDE                                     FL                33330          PUD
       86061303          COUNTRYWIDE                                     CA                92061          1 FAMILY
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       91044603          COUNTRYWIDE                                     CA                92603          PUD
       92847149          COUNTRYWIDE                                     MD                21740          1 FAMILY
       92890099          COUNTRYWIDE                                     CA                91915          PUD
       93569952          COUNTRYWIDE                                     VA                20132          1 FAMILY
       93921268          COUNTRYWIDE                                     CA                92657          CONDO
       94078392          COUNTRYWIDE                                     NV                89131          1 FAMILY
       94672676          COUNTRYWIDE                                     CO                81632          PUD
       94714809          COUNTRYWIDE                                     CA                91367          1 FAMILY
       94815006          COUNTRYWIDE                                     CA                95747          1 FAMILY
       97693135          COUNTRYWIDE                                     CA                91786          PUD
       98902653          COUNTRYWIDE                                     CA                95747          1 FAMILY
       99182859          COUNTRYWIDE                                     CA                92010          PUD
       99182891          COUNTRYWIDE                                     CA                92010          PUD
       99719342          COUNTRYWIDE                                     CA                92782          CONDO
       99749831          COUNTRYWIDE                                     CA                91784          PUD
      100300417          COUNTRYWIDE                                     CA                92127          1 FAMILY
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      101103601          COUNTRYWIDE                                     CA                92127          PUD
      101105075          COUNTRYWIDE                                     CA                92010          PUD
      101105107          COUNTRYWIDE                                     CA                92010          PUD
      101257820          COUNTRYWIDE                                     CA                92782          CONDO
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      101909657          COUNTRYWIDE                                     CA                92130          PUD
      101976322          COUNTRYWIDE                                     CA                91914          PUD
      102316249          COUNTRYWIDE                                     CA                92010          PUD
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      103195875          COUNTRYWIDE                                     CA                92024          1 FAMILY
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      103329802          COUNTRYWIDE                                     CA                93012          1 FAMILY
      103337331          COUNTRYWIDE                                     CA                92663          CONDO
      103357910          COUNTRYWIDE                                     VA                20141          PUD
      103380904          COUNTRYWIDE                                     CA                91915          PUD
      103423806          COUNTRYWIDE                                     CA                90069          1 FAMILY
      103424142          COUNTRYWIDE                                     CA                92078          1 FAMILY
      103433007          COUNTRYWIDE                                     CA                91915          PUD
      103438024          COUNTRYWIDE                                     OR                97527          1 FAMILY
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      103537589          COUNTRYWIDE                                     CA                94555          1 FAMILY
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      103576122          COUNTRYWIDE                                     CA                92201          PUD
      103612550          COUNTRYWIDE                                     CA                92620          CONDO
      103630312          COUNTRYWIDE                                     CA                94597          1 FAMILY
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      103645098          COUNTRYWIDE                                     CA                90048          1 FAMILY
      103660660          COUNTRYWIDE                                     CA                92675          PUD
      103684751          COUNTRYWIDE                                     CA                91403          1 FAMILY
      103701337          COUNTRYWIDE                                     CA                94556          1 FAMILY
      103723212          COUNTRYWIDE                                     CA                91351          CONDO
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      103771106          COUNTRYWIDE                                     FL                32819          PUD
      103823177          COUNTRYWIDE                                     WI                54016          1 FAMILY
      103824721          COUNTRYWIDE                                     CA                92563          1 FAMILY
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      103882680          COUNTRYWIDE                                     CA                94558          1 FAMILY
      103910292          COUNTRYWIDE                                     CA                91354          CONDO
      103927630          COUNTRYWIDE                                     CA                91001          1 FAMILY
      103948720          COUNTRYWIDE                                     CA                95570          1 FAMILY
      103950297          COUNTRYWIDE                                     PA                17349          PUD
      103954521          COUNTRYWIDE                                     NV                89015          PUD
      103967011          COUNTRYWIDE                                     AL                35223          1 FAMILY
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      104051677          COUNTRYWIDE                                     CT                 6612          1 FAMILY
      104056422          COUNTRYWIDE                                     FL                32703          1 FAMILY
      104070672          COUNTRYWIDE                                     CO                80108          PUD
      104074296          COUNTRYWIDE                                     CA                95337          1 FAMILY
      104082313          COUNTRYWIDE                                     CA                94503          1 FAMILY
      104101659          COUNTRYWIDE                                     CA                92694          PUD
      104108596          COUNTRYWIDE                                     CA                92692          PUD
      104127713          COUNTRYWIDE                                     KS                66071          1 FAMILY
      104131617          COUNTRYWIDE                                     CA                94022          1 FAMILY
      104144307          COUNTRYWIDE                                     CA                92882          1 FAMILY
      104206355          COUNTRYWIDE                                     CA                91335          1 FAMILY
      104224517          COUNTRYWIDE                                     CA                95062          1 FAMILY
      104232062          COUNTRYWIDE                                     CA                95008          1 FAMILY
      104237719          COUNTRYWIDE                                     CA                92647          1 FAMILY
      104276979          COUNTRYWIDE                                     CA                94506          1 FAMILY
      104308343          COUNTRYWIDE                                     VA                22033          PUD
      104309072          COUNTRYWIDE                                     WA                98032          1 FAMILY
      104365971          COUNTRYWIDE                                     NJ                 8243          CONDO
      104391086          COUNTRYWIDE                                     VA                23188          PUD
      104391246          COUNTRYWIDE                                     MD                21813          PUD
      104469712          COUNTRYWIDE                                     CA                91364          1 FAMILY
      104580582          COUNTRYWIDE                                     CA                94519          PUD
      104588831          COUNTRYWIDE                                     CA                93422          1 FAMILY
      104613210          COUNTRYWIDE                                     CA                95829          1 FAMILY
      104653103          COUNTRYWIDE                                     CA                92117          1 FAMILY
      104654727          COUNTRYWIDE                                     CA                94062          1 FAMILY
      104723792          COUNTRYWIDE                                     CA                93012          1 FAMILY
      104760529          COUNTRYWIDE                                     CA                93908          1 FAMILY
      104778940          COUNTRYWIDE                                     CA                90250          1 FAMILY
      104781588          COUNTRYWIDE                                     CA                94708          1 FAMILY
      104781716          COUNTRYWIDE                                     CA                95135          1 FAMILY
      104785909          COUNTRYWIDE                                     CA                92128          PUD
      104788605          COUNTRYWIDE                                     CA                94619          1 FAMILY
      104788973          COUNTRYWIDE                                     CA                91601          1 FAMILY
      104796950          COUNTRYWIDE                                     CA                92677          1 FAMILY
      104801383          COUNTRYWIDE                                     CA                95340          1 FAMILY
      104805247          COUNTRYWIDE                                     CA                92020          1 FAMILY
      104810976          COUNTRYWIDE                                     MD                20854          1 FAMILY
      104811920          COUNTRYWIDE                                     CA                95118          1 FAMILY
      104812184          COUNTRYWIDE                                     AZ                85255          PUD
      104812976          COUNTRYWIDE                                     VA                20152          PUD
      104853805          COUNTRYWIDE                                     CA                94596          1 FAMILY
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      104872791          COUNTRYWIDE                                     NJ                 7921          CONDO
      104878520          COUNTRYWIDE                                     CA                95060          PUD
      104879856          COUNTRYWIDE                                     CA                92057          1 FAMILY
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      105048188          COUNTRYWIDE                                     AZ                85259          CONDO
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      105073279          COUNTRYWIDE                                     CA                95051          1 FAMILY
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      105106996          COUNTRYWIDE                                     CA                94542          1 FAMILY
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      105141240          COUNTRYWIDE                                     AZ                85048          PUD
      105171660          COUNTRYWIDE                                     CA                94552          1 FAMILY
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      109303512          COUNTRYWIDE                                     VA                22408          1 FAMILY
      109494250          COUNTRYWIDE                                     CA                92108          CONDO
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      110036764          COUNTRYWIDE                                     NV                89135          PUD
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      110225655          COUNTRYWIDE                                     CA                92675          PUD
      110252526          COUNTRYWIDE                                     CA                92886          1 FAMILY
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      110601574          COUNTRYWIDE                                     NV                89131          PUD
      110615959          COUNTRYWIDE                                     CA                95835          1 FAMILY
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      110631300          COUNTRYWIDE                                     CA                91384          1 FAMILY
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      110794413          COUNTRYWIDE                                     CA                90025          CONDO
      110859796          COUNTRYWIDE                                     DE                19930          1 FAMILY
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      110962472          COUNTRYWIDE                                     CA                90803          CONDO
      110963544          COUNTRYWIDE                                     NC                28785          PUD
      110979890          COUNTRYWIDE                                     CA                92064          PUD
      110980882          COUNTRYWIDE                                     CA                91362          1 FAMILY
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      111198627          COUNTRYWIDE                                     CO                81224          PUD
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      111240331          COUNTRYWIDE                                     CA                92647          CONDO
      111267331          COUNTRYWIDE                                     CA                92694          PUD
      111285542          COUNTRYWIDE                                     WA                98370          1 FAMILY
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      111308545          COUNTRYWIDE                                     CA                91361          CONDO
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      111353374          COUNTRYWIDE                                     FL                33609          1 FAMILY
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      111453150          COUNTRYWIDE                                     CA                90405          1 FAMILY
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      111485203          COUNTRYWIDE                                     CA                92054          1 FAMILY
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      111541617          COUNTRYWIDE                                     CA                92672          CONDO
      111543912          COUNTRYWIDE                                     CA                93446          PUD
      111565862          COUNTRYWIDE                                     CA                93426          PUD
      111671539          COUNTRYWIDE                                     CA                91320          1 FAMILY
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      111711935          COUNTRYWIDE                                     NC                28562          PUD
      111728323          COUNTRYWIDE                                     CA                92881          CONDO
      111739818          COUNTRYWIDE                                     NJ                 7446          1 FAMILY
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      111751089          COUNTRYWIDE                                     CA                91320          CONDO
      111751185          COUNTRYWIDE                                     CA                93101          1 FAMILY
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      111842926          COUNTRYWIDE                                     CA                92008          CONDO
      111845925          COUNTRYWIDE                                     CA                91390          PUD
      111887701          COUNTRYWIDE                                     CA                92782          PUD
      111898553          COUNTRYWIDE                                     CA                92704          PUD
      111900664          COUNTRYWIDE                                     FL                33410          PUD
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      112027454          COUNTRYWIDE                                     CA                92037          CONDO
      112056875          COUNTRYWIDE                                     CA                91040          1 FAMILY
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      112100595          COUNTRYWIDE                                     CA                92691          PUD
      112104212          COUNTRYWIDE                                     CA                90815          1 FAMILY
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      112117696          COUNTRYWIDE                                     SC                29926          PUD
      112151129          COUNTRYWIDE                                     CA                94558          PUD
      112169031          COUNTRYWIDE                                     MA                 1950          CONDO
      112184252          COUNTRYWIDE                                     CT                 6820          1 FAMILY
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      112196225          COUNTRYWIDE                                     CA                92065          1 FAMILY
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      112279999          COUNTRYWIDE                                     CA                92625          CONDO
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      112504821          COUNTRYWIDE                                     CO                80016          PUD
      112506517          COUNTRYWIDE                                     CA                91042          1 FAMILY
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      112532283          COUNTRYWIDE                                     CA                94704          CONDO
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      112579127          COUNTRYWIDE                                     ID                83703          PUD
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      112999451          COUNTRYWIDE                                     CO                80020          PUD
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      113107058          COUNTRYWIDE                                     CA                92627          CONDO
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      113230409          COUNTRYWIDE                                     CA                92629          PUD
      113237024          COUNTRYWIDE                                     CA                90604          1 FAMILY
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      113286027          COUNTRYWIDE                                     CA                92592          PUD
      113302685          COUNTRYWIDE                                     CA                93063          1 FAMILY
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      113355559          COUNTRYWIDE                                     VA                20175          PUD
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      113433604          COUNTRYWIDE                                     WA                98115          1 FAMILY
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      113476879          COUNTRYWIDE                                     CA                91362          1 FAMILY
      113497771          COUNTRYWIDE                                     CA                95014          PUD
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      113623685          COUNTRYWIDE                                     CA                92025          1 FAMILY
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      113759234          COUNTRYWIDE                                     VA                22124          PUD
      113843205          COUNTRYWIDE                                     CA                95747          1 FAMILY
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       44573459          COUNTRYWIDE                                     IL                60103          PUD
       80628063          COUNTRYWIDE                                     CA                92704          PUD
       80662067          COUNTRYWIDE                                     MD                20841          PUD
       90119973          COUNTRYWIDE                                     CT                 6880          1 FAMILY
       92316219          COUNTRYWIDE                                     CA                93065          PUD
       94734500          COUNTRYWIDE                                     CA                95610          1 FAMILY
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      104271467          COUNTRYWIDE                                     OR                97034          1 FAMILY
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      104453718          COUNTRYWIDE                                     MD                21842          CONDO
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      104962394          COUNTRYWIDE                                     CO                80016          PUD
      104968698          COUNTRYWIDE                                     CA                94536          1 FAMILY
      105096986          COUNTRYWIDE                                     WA                98136          1 FAMILY
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      105334608          COUNTRYWIDE                                     MA                 1701          1 FAMILY
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      105509134          COUNTRYWIDE                                     CA                94501          1 FAMILY
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      105665761          COUNTRYWIDE                                     CA                94526          1 FAMILY
      105687715          COUNTRYWIDE                                     VA                22032          1 FAMILY
      105761077          COUNTRYWIDE                                     VA                20181          PUD
      107498606          COUNTRYWIDE                                     NY                10509          1 FAMILY
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      109797397          COUNTRYWIDE                                     FL                33312          CONDO
      109981923          COUNTRYWIDE                                     CA                92078          CONDO
      110018706          COUNTRYWIDE                                     TX                75022          1 FAMILY
      110056579          COUNTRYWIDE                                     NJ                 7656          1 FAMILY
      110080103          COUNTRYWIDE                                     CA                90094          CONDO
      110175796          COUNTRYWIDE                                     CA                92130          CONDO
      110249343          COUNTRYWIDE                                     MA                 2131          1 FAMILY
      110355617          COUNTRYWIDE                                     CA                91326          1 FAMILY
      110461176          COUNTRYWIDE                                     AZ                85383          PUD
      110972745          COUNTRYWIDE                                     NJ                 7643          1 FAMILY
      111043422          COUNTRYWIDE                                     CA                93105          1 FAMILY
      111366258          COUNTRYWIDE                                     NY                11420          2 - 4 FAM
      111755025          COUNTRYWIDE                                     CA                95832          1 FAMILY
      111891563          COUNTRYWIDE                                     NJ                 7645          CONDO
      112104420          COUNTRYWIDE                                     MD                20854          1 FAMILY
      112145303          COUNTRYWIDE                                     CA                92011          PUD
      112166914          COUNTRYWIDE                                     NV                89135          PUD
      112363404          COUNTRYWIDE                                     CA                92673          PUD
      112388259          COUNTRYWIDE                                     CA                91390          PUD
      112443555          COUNTRYWIDE                                     MA                 1460          1 FAMILY
      112449934          COUNTRYWIDE                                     IL                60045          1 FAMILY
      112615085          COUNTRYWIDE                                     PA                19382          PUD
      112664446          COUNTRYWIDE                                     GA                30040          PUD
      112676658          COUNTRYWIDE                                     MD                21771          PUD
      112749192          COUNTRYWIDE                                     NJ                 7670          1 FAMILY
      112873870          COUNTRYWIDE                                     CA                91331          1 FAMILY
      112917746          COUNTRYWIDE                                     NY                11050          1 FAMILY
      113037740          COUNTRYWIDE                                     CA                90305          1 FAMILY
      113097835          COUNTRYWIDE                                     CO                80109          1 FAMILY
      113099888          COUNTRYWIDE                                     NV                89146          1 FAMILY
      113144660          COUNTRYWIDE                                     CA                95472          1 FAMILY
      113180676          COUNTRYWIDE                                     CA                92129          PUD
      113185654          COUNTRYWIDE                                     CA                93010          1 FAMILY
      113231277          COUNTRYWIDE                                     CA                92346          PUD
      113260320          COUNTRYWIDE                                     CA                93510          1 FAMILY
      113323150          COUNTRYWIDE                                     IL                60076          1 FAMILY
      113352656          COUNTRYWIDE                                     MA                 2657          CONDO
      113467909          COUNTRYWIDE                                     CA                94582          CONDO
      113482441          COUNTRYWIDE                                     CA                94538          PUD
      113509656          COUNTRYWIDE                                     RI                 2806          1 FAMILY
      113643065          COUNTRYWIDE                                     CA                92881          PUD
      113643492          COUNTRYWIDE                                     CA                95762          PUD
      113654211          COUNTRYWIDE                                     AZ                85331          1 FAMILY
      113706172          COUNTRYWIDE                                     NJ                 7030          CONDO
      113766523          COUNTRYWIDE                                     CA                94513          1 FAMILY
      113815020          COUNTRYWIDE                                     WI                53147          CONDO
      113851412          COUNTRYWIDE                                     CA                91406          1 FAMILY
      113874728          COUNTRYWIDE                                     CA                92003          1 FAMILY
      113877208          COUNTRYWIDE                                     CA                90042          2 - 4 FAM
      113883258          COUNTRYWIDE                                     CA                91384          1 FAMILY
      113883290          COUNTRYWIDE                                     CA                91206          CONDO
      113952449          COUNTRYWIDE                                     CA                93108          CONDO
      113994000          COUNTRYWIDE                                     CA                92054          CONDO
      114016836          COUNTRYWIDE                                     CA                94954          1 FAMILY
      114141771          COUNTRYWIDE                                     MD                20882          1 FAMILY
      114144919          COUNTRYWIDE                                     IL                60305          1 FAMILY
      114164432          COUNTRYWIDE                                     WA                98055          PUD
      114171717          COUNTRYWIDE                                     CA                93001          1 FAMILY
      114171918          COUNTRYWIDE                                     CA                92672          1 FAMILY
      114174022          COUNTRYWIDE                                     CA                94583          PUD
      114287465          COUNTRYWIDE                                     CA                91401          1 FAMILY
      114332311          COUNTRYWIDE                                     CO                80439          1 FAMILY
      114354199          COUNTRYWIDE                                     CA                91913          PUD
      114402433          COUNTRYWIDE                                     CA                91303          1 FAMILY
      114452600          COUNTRYWIDE                                     CA                90606          1 FAMILY
      114492613          COUNTRYWIDE                                     CA                94530          1 FAMILY
      114562441          COUNTRYWIDE                                     UT                84020          1 FAMILY
      114571951          COUNTRYWIDE                                     CA                93065          1 FAMILY
      114808434          COUNTRYWIDE                                     NV                89084          PUD
      114823484          COUNTRYWIDE                                     NV                89134          PUD
      114827396          COUNTRYWIDE                                     NV                89131          PUD
      114858639          COUNTRYWIDE                                     OH                45011          PUD
      115015196          COUNTRYWIDE                                     FL                32136          1 FAMILY
      115095642          COUNTRYWIDE                                     FL                32507          CONDO

loanid                   ownocc                            loanpurp                 origbal               currbal
-------------------------------------------------------------------------------------------------------------------------
         903506          INVESTOR                          CASH OUT                        64000                 63902.3
         849581          SECOND HOME                       PURCHASE                        95800                95617.72
         894850          INVESTOR                          PURCHASE                       482300               481314.13
         916638          INVESTOR                          PURCHASE                       125930               125672.59
         905936          OWNER OCCUPIED                    PURCHASE                       129600               129328.73
         900114          OWNER OCCUPIED                    PURCHASE                       270000               269461.08
         926418          OWNER OCCUPIED                    PURCHASE                       154000               153706.45
         885510          OWNER OCCUPIED                    PURCHASE                       235200               234621.39
         861964          OWNER OCCUPIED                    PURCHASE                       109600               109386.41
         897604          OWNER OCCUPIED                    CASH OUT                       840000               838401.81
         915549          OWNER OCCUPIED                    PURCHASE                        86450                86292.17
         887310          INVESTOR                          REFINANCE                      166500               165946.19
         899786          INVESTOR                          REFINANCE                       77000                 76853.5
         903160          OWNER OCCUPIED                    PURCHASE                       359200               358411.86
         881179          OWNER OCCUPIED                    PURCHASE                        69650                69520.63
         870567          INVESTOR                          CASH OUT                       280000               279454.33
         888062          INVESTOR                          REFINANCE                      288000               287452.04
         911112          OWNER OCCUPIED                    PURCHASE                       288500               287896.13
         891241          OWNER OCCUPIED                    CASH OUT                       304863               304194.09
         897072          OWNER OCCUPIED                    CASH OUT                       422500               421676.62
         920825          OWNER OCCUPIED                    PURCHASE                       149000                148702.6
         918655          OWNER OCCUPIED                    CASH OUT                       199000               198593.23
         904226          OWNER OCCUPIED                    PURCHASE                       138000               137724.55
         911197          OWNER OCCUPIED                    CASH OUT                       202500               202105.36
         905190          SECOND HOME                       PURCHASE                       100000                99818.71
         905121          INVESTOR                          CASH OUT                        73830                73692.88
         902829          INVESTOR                          PURCHASE                       220500               220038.46
         887096          OWNER OCCUPIED                    CASH OUT                       183200               182851.45
         907408          OWNER OCCUPIED                    REFINANCE                      204000               203611.87
         885682          OWNER OCCUPIED                    PURCHASE                        99000                98811.64
         907988          OWNER OCCUPIED                    CASH OUT                       248200                  247739
         873196          INVESTOR                          CASH OUT                       200000               199589.25
         905459          INVESTOR                          CASH OUT                        73500                73360.16
         910445          INVESTOR                          PURCHASE                       103444                103242.4
         861959          OWNER OCCUPIED                    REFINANCE                      217100               216686.95
         905736          OWNER OCCUPIED                    REFINANCE                      359000               358266.17
         917651          OWNER OCCUPIED                    REFINANCE                      255500                254986.9
         922168          INVESTOR                          REFINANCE                       74500                74374.46
         886283          OWNER OCCUPIED                    PURCHASE                       117000               116760.84
         913550          OWNER OCCUPIED                    PURCHASE                       290500               289891.97
         901054          OWNER OCCUPIED                    PURCHASE                       265930               265411.74
         921611          INVESTOR                          PURCHASE                        73000                72873.94
         916861          OWNER OCCUPIED                    PURCHASE                       145600               145302.38
         923390          INVESTOR                          PURCHASE                       131600               131328.36
         905221          OWNER OCCUPIED                    PURCHASE                       500000                499136.6
         904719          INVESTOR                          PURCHASE                        72800                72661.49
         910376          OWNER OCCUPIED                    CASH OUT                       120400               120165.36
         920459          OWNER OCCUPIED                    PURCHASE                       326200               325500.91
         889969          OWNER OCCUPIED                    PURCHASE                        62320                62195.61
         894006          OWNER OCCUPIED                    REFINANCE                      228100               227633.74
         912263          INVESTOR                          PURCHASE                       168000               167680.37
         841883          OWNER OCCUPIED                    PURCHASE                       342000               341300.93
         889237          OWNER OCCUPIED                    CASH OUT                       137600               137325.35
         921219          OWNER OCCUPIED                    CASH OUT                       148000               147718.41
         918552          OWNER OCCUPIED                    CASH OUT                       371000               370327.41
         921255          OWNER OCCUPIED                    PURCHASE                       230900                230416.7
         891691          OWNER OCCUPIED                    REFINANCE                      356000               355289.43
         907767          OWNER OCCUPIED                    PURCHASE                        35700                35632.08
         930174          OWNER OCCUPIED                    PURCHASE                       148000               147690.22
         888454          OWNER OCCUPIED                    CASH OUT                       208566                208149.7
         910475          INVESTOR                          PURCHASE                       245000               244462.45
         919246          INVESTOR                          REFINANCE                      213000                212584.9
         919444          INVESTOR                          CASH OUT                       135100               134872.35
         909136          INVESTOR                          PURCHASE                       254850               254420.57
         912400          INVESTOR                          REFINANCE                      219000               218392.18
         913574          SECOND HOME                       PURCHASE                        94500                94315.83
         909294          OWNER OCCUPIED                    PURCHASE                       307200               306615.52
         909345          INVESTOR                          PURCHASE                        93100                92918.56
         909362          INVESTOR                          PURCHASE                        87500                87329.47
         884274          OWNER OCCUPIED                    REFINANCE                      110000               109735.44
         904836          OWNER OCCUPIED                    PURCHASE                       215900                215447.7
         920735          INVESTOR                          CASH OUT                        96000                95853.47
         895517          INVESTOR                          PURCHASE                        43960                 43892.9
         930842          OWNER OCCUPIED                    CASH OUT                       304000               303393.23
         914128          OWNER OCCUPIED                    PURCHASE                        86730                86560.97
         899366          SECOND HOME                       PURCHASE                       150000               149707.67
         899117          OWNER OCCUPIED                    PURCHASE                        98000                97822.32
         875461          OWNER OCCUPIED                    PURCHASE                       150500               150143.92
         892234          OWNER OCCUPIED                    CASH OUT                        55000                54884.87
         874019          OWNER OCCUPIED                    CASH OUT                       350400               349699.18
         836080          OWNER OCCUPIED                    CASH OUT                       146000               145747.89
         900507          OWNER OCCUPIED                    CASH OUT                       268000               267502.24
         916775          OWNER OCCUPIED                    PURCHASE                       552000               550974.76
         927293          OWNER OCCUPIED                    PURCHASE                       184940               184628.37
         924449          INVESTOR                          PURCHASE                       120000               119760.48
         915602          INVESTOR                          CASH OUT                       116900               116677.59
         926157          OWNER OCCUPIED                    REFINANCE                      123900               123646.73
         890255          INVESTOR                          REFINANCE                       74400                74283.57
         864317          OWNER OCCUPIED                    CASH OUT                       650000                648763.3
         914636          OWNER OCCUPIED                    PURCHASE                       245000                244499.2
         856643          OWNER OCCUPIED                    CASH OUT                       300000               299357.06
         922831          OWNER OCCUPIED                    REFINANCE                      255000               254466.26
         883304          OWNER OCCUPIED                    PURCHASE                       234000               233543.97
         926360          INVESTOR                          REFINANCE                      107200               107005.65
         906571          OWNER OCCUPIED                    CASH OUT                       359650               358964.71
         897033          INVESTOR                          PURCHASE                       375650               374900.21
         910966          OWNER OCCUPIED                    PURCHASE                        45500                45430.54
         906082          OWNER OCCUPIED                    PURCHASE                       151900               151624.62
         874425          INVESTOR                          CASH OUT                       329000               328286.62
         861766          OWNER OCCUPIED                    REFINANCE                       92800                92641.25
         913397          INVESTOR                          CASH OUT                       275000               274437.87
         926381          OWNER OCCUPIED                    CASH OUT                       224000               223583.96
         914970          INVESTOR                          CASH OUT                        75900                75752.08
         914058          INVESTOR                          PURCHASE                       520000               518937.07
         877162          OWNER OCCUPIED                    CASH OUT                       452000               451031.31
         911026          OWNER OCCUPIED                    CASH OUT                       248000               247516.69
         877698          OWNER OCCUPIED                    PURCHASE                       190400               190010.81
         907013          INVESTOR                          CASH OUT                       200000               199581.36
         863299          OWNER OCCUPIED                    CASH OUT                        50500                50408.45
         931501          OWNER OCCUPIED                    PURCHASE                       165000               164678.44
         903844          OWNER OCCUPIED                    CASH OUT                       150000                149714.6
         905430          OWNER OCCUPIED                    CASH OUT                       231000               230460.38
         919895          OWNER OCCUPIED                    CASH OUT                       135500               135209.62
         899079          OWNER OCCUPIED                    CASH OUT                       195000               194591.84
         921113          OWNER OCCUPIED                    PURCHASE                       150000               149693.38
         925440          OWNER OCCUPIED                    PURCHASE                       135920               135667.57
         922642          OWNER OCCUPIED                    PURCHASE                        65100                64984.82
         924701          OWNER OCCUPIED                    PURCHASE                        73850                73715.04
         734928          OWNER OCCUPIED                    PURCHASE                       281250               280727.64
         891699          INVESTOR                          PURCHASE                       444500               443654.29
         926092          INVESTOR                          PURCHASE                        84820                 84650.7
         894963          INVESTOR                          PURCHASE                       176750               176429.57
         909131          OWNER OCCUPIED                    CASH OUT                       176000               175665.15
         909973          OWNER OCCUPIED                    CASH OUT                       490000               489021.96
         913074          INVESTOR                          CASH OUT                       115000               114764.93
         914621          INVESTOR                          PURCHASE                       200893               200482.36
         885528          OWNER OCCUPIED                    PURCHASE                       288750                288145.6
         889302          INVESTOR                          REFINANCE                       82700                82530.96
         903005          OWNER OCCUPIED                    PURCHASE                       284000               283433.15
         910147          INVESTOR                          REFINANCE                      301000               300454.32
         872394          OWNER OCCUPIED                    CASH OUT                       160000               159680.64
         880109          OWNER OCCUPIED                    PURCHASE                       359650               358914.84
         909424          OWNER OCCUPIED                    PURCHASE                       147000                146733.5
         916027          OWNER OCCUPIED                    PURCHASE                       134750               134481.05
         927081          OWNER OCCUPIED                    PURCHASE                       188550                188164.6
         915672          INVESTOR                          CASH OUT                        72000                71875.67
         867194          INVESTOR                          REFINANCE                       31500                31456.52
         936171          OWNER OCCUPIED                    PURCHASE                       255200               254049.55
         890142          INVESTOR                          PURCHASE                        97300                 97105.8
         905881          INVESTOR                          CASH OUT                       269750               269185.37
         864731          INVESTOR                          REFINANCE                       31500                 31456.5
         938518          INVESTOR                          PURCHASE                        36000                35929.86
         901424          OWNER OCCUPIED                    CASH OUT                       308850               308262.38
         928723          OWNER OCCUPIED                    PURCHASE                       110000               109775.15
         911935          OWNER OCCUPIED                    CASH OUT                       474000               473007.85
         915108          OWNER OCCUPIED                    CASH OUT                       220000               219550.31
         913996          OWNER OCCUPIED                    PURCHASE                       172000               171656.68
         893650          OWNER OCCUPIED                    REFINANCE                      431900               431078.26
         913595          OWNER OCCUPIED                    CASH OUT                       133000                132740.8
         915073          OWNER OCCUPIED                    CASH OUT                       203000               202585.05
         893619          OWNER OCCUPIED                    CASH OUT                       100000                99785.68
         926224          OWNER OCCUPIED                    PURCHASE                       165500               165199.97
         913519          OWNER OCCUPIED                    PURCHASE                       133500               133213.89
         886067          OWNER OCCUPIED                    PURCHASE                        55290                55187.31
         922900          OWNER OCCUPIED                    PURCHASE                        59150                59031.95
         909218          OWNER OCCUPIED                    CASH OUT                       234500               234020.65
         926281          OWNER OCCUPIED                    PURCHASE                       116000                115779.3
         920319          OWNER OCCUPIED                    PURCHASE                       168000               167709.91
         875172          OWNER OCCUPIED                    CASH OUT                       495000                493963.9
         926184          SECOND HOME                       CASH OUT                       250000               249488.99
         920506          OWNER OCCUPIED                    REFINANCE                      225000               224529.05
         933098          OWNER OCCUPIED                    PURCHASE                        89565                89386.23
         926274          OWNER OCCUPIED                    PURCHASE                       120400                120192.1
         902285          OWNER OCCUPIED                    PURCHASE                       295200               294596.59
         933650          INVESTOR                          CASH OUT                        81750                81605.36
         917779          OWNER OCCUPIED                    CASH OUT                       108500               108278.22
         906440          OWNER OCCUPIED                    CASH OUT                       261800               261252.03
         935111          INVESTOR                          PURCHASE                        49700                49612.07
         899279          OWNER OCCUPIED                    PURCHASE                        89453                 89282.8
         913653          OWNER OCCUPIED                    PURCHASE                       228150               227662.41
         906341          OWNER OCCUPIED                    REFINANCE                      160000               159669.01
         932792          OWNER OCCUPIED                    CASH OUT                       150000               149700.59
         885681          OWNER OCCUPIED                    CASH OUT                       398300                  397505
         875099          OWNER OCCUPIED                    CASH OUT                        81200                81041.75
         912219          OWNER OCCUPIED                    CASH OUT                       140000               139752.27
         912155          OWNER OCCUPIED                    PURCHASE                        91000                90842.87
         897172          OWNER OCCUPIED                    PURCHASE                       117200               116982.32
         912813          INVESTOR                          REFINANCE                      510000               508932.51
         917766          OWNER OCCUPIED                    REFINANCE                       76000                75871.93
         904251          OWNER OCCUPIED                    CASH OUT                       170000               169652.51
         852765          OWNER OCCUPIED                    PURCHASE                       135920               135673.58
         929479          OWNER OCCUPIED                    PURCHASE                       352800               352061.53
         919922          OWNER OCCUPIED                    PURCHASE                       259000               258271.32
         878520          OWNER OCCUPIED                    PURCHASE                       252000               251490.43
         926930          OWNER OCCUPIED                    CASH OUT                       350000               349267.39
         916927          OWNER OCCUPIED                    PURCHASE                        65450                65357.32
         879337          OWNER OCCUPIED                    PURCHASE                       254275               253779.46
         925782          OWNER OCCUPIED                    PURCHASE                       296000               295436.83
         901026          SECOND HOME                       REFINANCE                      192000               191625.83
         915246          OWNER OCCUPIED                    PURCHASE                        61000                60718.28
         881730          OWNER OCCUPIED                    CASH OUT                       462000               461141.94
         902539          OWNER OCCUPIED                    REFINANCE                      230000               229540.92
         902179          OWNER OCCUPIED                    PURCHASE                       489900                488967.9
         924626          INVESTOR                          PURCHASE                        49000                48925.21
         923453          OWNER OCCUPIED                    CASH OUT                       180000               179632.06
         916373          INVESTOR                          CASH OUT                       157500               157170.33
         935079          INVESTOR                          PURCHASE                       168750               168436.57
         928191          INVESTOR                          PURCHASE                        64400                64258.69
         846004          OWNER OCCUPIED                    PURCHASE                       462000               461077.86
         894130          INVESTOR                          CASH OUT                       650000               648792.75
         888597          INVESTOR                          CASH OUT                       195000               194628.98
         925712          INVESTOR                          PURCHASE                       114100               113877.65
         919390          INVESTOR                          CASH OUT                       390000               389257.97
         911214          OWNER OCCUPIED                    CASH OUT                        49000                   48909
         888508          OWNER OCCUPIED                    CASH OUT                       472500               471430.65
         848223          INVESTOR                          PURCHASE                        63750                63642.58
         913862          OWNER OCCUPIED                    REFINANCE                      212800               212365.02
         904504          OWNER OCCUPIED                    REFINANCE                      188000               187642.31
         917709          INVESTOR                          CASH OUT                       245000               244510.98
         884230          OWNER OCCUPIED                    PURCHASE                      1462500              1459438.81
         935722          OWNER OCCUPIED                    PURCHASE                        75000                 74846.7
         930259          OWNER OCCUPIED                    PURCHASE                        75000                74817.37
         928309          OWNER OCCUPIED                    PURCHASE                        43300                   43205
         893700          OWNER OCCUPIED                    CASH OUT                       160000                159665.1
         910962          OWNER OCCUPIED                    CASH OUT                       148000               147731.69
         933706          OWNER OCCUPIED                    CASH OUT                       245000               244462.45
         864057          OWNER OCCUPIED                    REFINANCE                      410900               410136.83
         926988          OWNER OCCUPIED                    CASH OUT                        91000                90809.53
         916572          OWNER OCCUPIED                    CASH OUT                       157500               156785.44
         940505          INVESTOR                          PURCHASE                        77521                77377.02
         801938          OWNER OCCUPIED                    PURCHASE                       206500                206009.9
         920197          OWNER OCCUPIED                    PURCHASE                       112800               112605.21
         935667          OWNER OCCUPIED                    CASH OUT                       140000               139764.09
         911845          OWNER OCCUPIED                    PURCHASE                       153930               153607.81
         901004          INVESTOR                          CASH OUT                       137000               136726.56
         926614          OWNER OCCUPIED                    CASH OUT                       112000               111801.82
         905265          OWNER OCCUPIED                    PURCHASE                        74900                74760.88
         920447          OWNER OCCUPIED                    REFINANCE                      203000               202585.05
         910996          OWNER OCCUPIED                    REFINANCE                       72100                71966.09
         931217          INVESTOR                          PURCHASE                       196700                196299.3
         905996          INVESTOR                          REFINANCE                      136800               136526.67
         921433          INVESTOR                          REFINANCE                       91000                90830.99
         937503          INVESTOR                          CASH OUT                        68000                67901.25
         913773          INVESTOR                          PURCHASE                       110250               110035.14
         925402          OWNER OCCUPIED                    CASH OUT                       300000               299401.21
         927047          OWNER OCCUPIED                    CASH OUT                       190000               189638.49
         933936          OWNER OCCUPIED                    PURCHASE                       149800               149486.45
         921035          OWNER OCCUPIED                    PURCHASE                       192500               192106.52
         920669          OWNER OCCUPIED                    PURCHASE                       404530               403778.67
         904983          OWNER OCCUPIED                    PURCHASE                       115400               115164.12
         934849          OWNER OCCUPIED                    PURCHASE                        93030                92835.27
         937801          OWNER OCCUPIED                    PURCHASE                       196000               195599.36
         911988          INVESTOR                          PURCHASE                        38500                38446.84
         920739          OWNER OCCUPIED                    PURCHASE                       304000               303435.28
         846822          OWNER OCCUPIED                    PURCHASE                       815500               813948.43
         885619          INVESTOR                          PURCHASE                       250400               249923.58
         916339          INVESTOR                          CASH OUT                       150500                150163.4
         936392          INVESTOR                          CASH OUT                        50500                50422.91
         919861          INVESTOR                          PURCHASE                        74610                74468.03
         808676          OWNER OCCUPIED                    PURCHASE                       202368               201954.35
         938399          INVESTOR                          PURCHASE                        34300                34246.32
         913319          INVESTOR                          CASH OUT                        73500                73356.77
         915471          OWNER OCCUPIED                    CASH OUT                       188000               187675.37
         926111          INVESTOR                          PURCHASE                       245000               244510.98
         910672          INVESTOR                          CASH OUT                        84000                83840.18
         937934          OWNER OCCUPIED                    PURCHASE                       287700               287152.62
         949025          OWNER OCCUPIED                    PURCHASE                       163000               162609.81
         913790          OWNER OCCUPIED                    CASH OUT                       312000               311361.61
         866564          OWNER OCCUPIED                    PURCHASE                        80000                 79847.8
         953956          INVESTOR                          REFINANCE                       79500                 79369.3
         917694          OWNER OCCUPIED                    CASH OUT                       105000               104778.95
         929819          INVESTOR                          CASH OUT                       160000               158717.34
         939170          INVESTOR                          PURCHASE                        75200                75060.33
         947165          OWNER OCCUPIED                    PURCHASE                        80000                79861.85
         904029          OWNER OCCUPIED                    PURCHASE                       200000               199581.36
         873491          OWNER OCCUPIED                    CASH OUT                       170000               169644.17
         936339          OWNER OCCUPIED                    CASH OUT                       310000               308425.07
         856209          OWNER OCCUPIED                    CASH OUT                       205000               204590.82
         891529          SECOND HOME                       CASH OUT                       280000               279413.94
         928775          OWNER OCCUPIED                    PURCHASE                       151000               150445.76
         931198          OWNER OCCUPIED                    PURCHASE                       250000               249476.73
         927094          OWNER OCCUPIED                    CASH OUT                       166000                165560.2
         923878          OWNER OCCUPIED                    PURCHASE                       289300               288708.64
         923336          OWNER OCCUPIED                    CASH OUT                       231000               230549.82
         931238          OWNER OCCUPIED                    PURCHASE                       153500               153207.94
         948731          OWNER OCCUPIED                    PURCHASE                       255500               255013.88
         939183          OWNER OCCUPIED                    CASH OUT                       465500               464614.34
         933570          OWNER OCCUPIED                    PURCHASE                       187600               187166.54
         896218          SECOND HOME                       CASH OUT                       160600               160294.44
         934391          OWNER OCCUPIED                    PURCHASE                       120000               119777.13
         930274          OWNER OCCUPIED                    PURCHASE                       359650                358897.2
         904254          OWNER OCCUPIED                    PURCHASE                       204000               203587.94
         934113          OWNER OCCUPIED                    PURCHASE                        74400                74261.81
         932610          OWNER OCCUPIED                    PURCHASE                       152000               151724.44
         932153          OWNER OCCUPIED                    PURCHASE                       500500               499501.01
         897386          OWNER OCCUPIED                    PURCHASE                       137165               136897.68
         934339          OWNER OCCUPIED                    PURCHASE                       122500               122255.49
         919316          OWNER OCCUPIED                    CASH OUT                       410000               409161.94
         930788          INVESTOR                          REFINANCE                      208700               208283.44
         903928          INVESTOR                          PURCHASE                        80000                79844.09
         930785          INVESTOR                          REFINANCE                      208700               208283.44
         930778          INVESTOR                          REFINANCE                      208700               208283.44
         930781          INVESTOR                          REFINANCE                      245000               244510.98
         937762          OWNER OCCUPIED                    CASH OUT                       172900                172554.9
         932451          OWNER OCCUPIED                    REFINANCE                      164000               163687.99
         914923          OWNER OCCUPIED                    PURCHASE                       171500               171149.44
         920140          INVESTOR                          PURCHASE                        90900                90746.82
         924386          INVESTOR                          PURCHASE                       157200               156941.53
         883828          OWNER OCCUPIED                    PURCHASE                       251900               251420.72
         930341          OWNER OCCUPIED                    PURCHASE                       122500               122277.92
         946865          OWNER OCCUPIED                    PURCHASE                       166250               165962.93
         921380          INVESTOR                          PURCHASE                       173250               172895.86
         900823          OWNER OCCUPIED                    PURCHASE                       178500               178160.38
         897029          INVESTOR                          PURCHASE                        42000                41940.53
         892963          OWNER OCCUPIED                    PURCHASE                       127400               127138.69
         882252          OWNER OCCUPIED                    PURCHASE                       239750               239271.47
         900735          INVESTOR                          CASH OUT                       350000               349284.57
         918004          INVESTOR                          PURCHASE                        78400                78231.99
         938412          INVESTOR                          REFINANCE                      102900               102487.06
         883039          INVESTOR                          CASH OUT                       136600               136320.78
         936110          INVESTOR                          PURCHASE                        91200                91074.07
         901349          OWNER OCCUPIED                    CASH OUT                       421000               420179.54
         920405          INVESTOR                          REFINANCE                      182000               181677.96
         943945          OWNER OCCUPIED                    PURCHASE                        73500                73384.98
         926817          OWNER OCCUPIED                    CASH OUT                       545000               543885.98
         932052          OWNER OCCUPIED                    PURCHASE                       160300               160009.38
         932404          OWNER OCCUPIED                    PURCHASE                       254250               253766.26
         904340          OWNER OCCUPIED                    PURCHASE                       359000               358316.97
         920171          OWNER OCCUPIED                    PURCHASE                       203000               202585.05
         936153          INVESTOR                          PURCHASE                       130900               130632.43
         920101          OWNER OCCUPIED                    PURCHASE                       204700               204281.58
         915367          OWNER OCCUPIED                    PURCHASE                        94140                93969.33
         900611          INVESTOR                          PURCHASE                       192400               191997.29
         938247          INVESTOR                          PURCHASE                        80000                79889.52
         935090          INVESTOR                          PURCHASE                       330000               329416.08
         948195          OWNER OCCUPIED                    PURCHASE                        91700                91521.29
         925046          OWNER OCCUPIED                    CASH OUT                       105000               104804.99
         933691          INVESTOR                          PURCHASE                        77680                 77567.2
         866903          OWNER OCCUPIED                    PURCHASE                       428000               424982.56
         925137          OWNER OCCUPIED                    REFINANCE                      593000               591950.74
         902629          OWNER OCCUPIED                    CASH OUT                       160000               159702.83
         933546          SECOND HOME                       CASH OUT                       180000               179673.68
         923704          OWNER OCCUPIED                    PURCHASE                       165000               164654.65
         935572          OWNER OCCUPIED                    CASH OUT                       359650               359283.32
         924698          OWNER OCCUPIED                    CASH OUT                       147000               146699.52
         922738          OWNER OCCUPIED                    CASH OUT                       215000               214775.53
         934956          OWNER OCCUPIED                    CASH OUT                       122250               122072.47
         932240          OWNER OCCUPIED                    PURCHASE                       111750               111547.03
         924773          OWNER OCCUPIED                    PURCHASE                       444500               444088.31
         948737          INVESTOR                          CASH OUT                        67500                67383.45
         948968          INVESTOR                          REFINANCE                       69600                69479.82
         938874          INVESTOR                          PURCHASE                       172500               172202.13
         922613          OWNER OCCUPIED                    CASH OUT                       359000               358283.43
         946518          OWNER OCCUPIED                    PURCHASE                        65100                64966.93
         898120          OWNER OCCUPIED                    CASH OUT                       240000               239573.77
         928340          OWNER OCCUPIED                    REFINANCE                       68000                67832.29
         915811          OWNER OCCUPIED                    REFINANCE                      255500               254977.74
         919178          INVESTOR                          CASH OUT                       294000               293693.05
         940419          OWNER OCCUPIED                    PURCHASE                       156000               155710.25
         927528          OWNER OCCUPIED                    CASH OUT                       116000               115787.73
         901116          INVESTOR                          PURCHASE                        54600                54503.39
         932095          OWNER OCCUPIED                    PURCHASE                       169520               169173.31
         903708          OWNER OCCUPIED                    CASH OUT                       217000               216778.76
         916813          OWNER OCCUPIED                    PURCHASE                       337400               337079.86
         922156          SECOND HOME                       PURCHASE                       300000               299372.06
         897698          OWNER OCCUPIED                    CASH OUT                       315000               314371.27
         921730          OWNER OCCUPIED                    CASH OUT                       136000               135747.41
         940599          OWNER OCCUPIED                    PURCHASE                       122000               121881.43
         935383          OWNER OCCUPIED                    CASH OUT                       241000               240507.37
         910898          OWNER OCCUPIED                    CASH OUT                       410000               409219.93
         877421          OWNER OCCUPIED                    PURCHASE                       462000               461561.64
         923450          INVESTOR                          REFINANCE                       98450                98354.32
         927895          INVESTOR                          PURCHASE                        85000                84842.12
         940534          OWNER OCCUPIED                    PURCHASE                       170800               170475.04
         927137          INVESTOR                          CASH OUT                       101250               101083.52
         944637          INVESTOR                          CASH OUT                       182000               181800.79
         934894          OWNER OCCUPIED                    PURCHASE                       116900               116661.04
         888446          SECOND HOME                       CASH OUT                       999999                999003.5
         941754          OWNER OCCUPIED                    CASH OUT                       244000               243557.64
         942181          SECOND HOME                       CASH OUT                       146000               145728.69
         913934          OWNER OCCUPIED                    CASH OUT                       230000               229776.46
         922617          OWNER OCCUPIED                    CASH OUT                       359650               358516.08
         884468          INVESTOR                          REFINANCE                      102000               101815.08
         933290          INVESTOR                          REFINANCE                       36400                36329.06
         948598          OWNER OCCUPIED                    CASH OUT                       204000               203647.73
         900637          OWNER OCCUPIED                    CASH OUT                       225000               224561.52
         937165          INVESTOR                          CASH OUT                       101500               101396.52
         940528          OWNER OCCUPIED                    PURCHASE                       278000               277736.23
         924018          OWNER OCCUPIED                    CASH OUT                       252000               251520.53
         900500          INVESTOR                          CASH OUT                       200000               199661.43
         937145          INVESTOR                          PURCHASE                        94500                94412.47
         913440          INVESTOR                          PURCHASE                       850000               849133.39
         937232          INVESTOR                          PURCHASE                        56000                55948.13
         793879          OWNER OCCUPIED                    PURCHASE                       116731               116622.88
         940246          INVESTOR                          PURCHASE                       129500               129377.13
         940410          INVESTOR                          PURCHASE                       133000               132873.81
         884239          INVESTOR                          PURCHASE                       171500               171320.94
         948803          OWNER OCCUPIED                    PURCHASE                       125500               125372.05
         955459          OWNER OCCUPIED                    PURCHASE                       331200               330628.08
         882337          OWNER OCCUPIED                    PURCHASE                       385000                384634.7
         947429          OWNER OCCUPIED                    PURCHASE                       151920               151670.21
         941658          OWNER OCCUPIED                    PURCHASE                       156000               155855.51
         931430          OWNER OCCUPIED                    CASH OUT                       140000               139758.24
         937413          INVESTOR                          CASH OUT                        66400                66345.57
         922183          INVESTOR                          REFINANCE                       44000                43672.75
         922187          INVESTOR                          REFINANCE                       56000                55900.92
         922192          INVESTOR                          REFINANCE                       57000                56373.82
         954848          OWNER OCCUPIED                    PURCHASE                       285600               285335.48
         915014          OWNER OCCUPIED                    CASH OUT                       192000               191598.12
         935583          OWNER OCCUPIED                    PURCHASE                       129000               128883.38
         926099          OWNER OCCUPIED                    CASH OUT                       161800               161520.61
         942479          OWNER OCCUPIED                    CASH OUT                       268000               267452.19
         917123          OWNER OCCUPIED                    CASH OUT                       490000               488974.37
         884423          INVESTOR                          REFINANCE                       68000                67876.71
         884303          INVESTOR                          REFINANCE                       88000                87840.47
         952277          INVESTOR                          PURCHASE                       163800               163488.37
         920986          OWNER OCCUPIED                    CASH OUT                       256000               255751.19
         934980          OWNER OCCUPIED                    PURCHASE                       123750               123638.13
         890830          OWNER OCCUPIED                    REFINANCE                      247000               246495.11
         943865          INVESTOR                          CASH OUT                       116250                116139.7
         918575          SECOND HOME                       REFINANCE                      448349                447880.9
         949826          OWNER OCCUPIED                    PURCHASE                        98900                98812.75
         915081          OWNER OCCUPIED                    CASH OUT                       336000               335127.17
         912281          OWNER OCCUPIED                    PURCHASE                        80150                80073.95
         930101          OWNER OCCUPIED                    PURCHASE                        61530                61474.38
         937977          OWNER OCCUPIED                    CASH OUT                       152600               152288.06
         942546          OWNER OCCUPIED                    CASH OUT                       261600               261333.29
         946218          OWNER OCCUPIED                    CASH OUT                        80000                 79925.9
         913614          OWNER OCCUPIED                    CASH OUT                       151516               151361.53
         903425          OWNER OCCUPIED                    CASH OUT                       720000               719395.11
         932038          OWNER OCCUPIED                    CASH OUT                       200000                199600.8
         932310          OWNER OCCUPIED                    REFINANCE                      120250               120133.13
         927535          OWNER OCCUPIED                    CASH OUT                       337400                337030.7
         930612          OWNER OCCUPIED                    PURCHASE                       108850               108749.19
         944307          INVESTOR                          PURCHASE                       200000               199796.09
         873896          OWNER OCCUPIED                    CASH OUT                       413000               412175.66
         948787          INVESTOR                          PURCHASE                       108430               108233.43
         903290          OWNER OCCUPIED                    PURCHASE                       267400                267133.8
         926868          OWNER OCCUPIED                    CASH OUT                       104000               103811.45
         907806          OWNER OCCUPIED                    PURCHASE                       277130               276847.45
         910093          OWNER OCCUPIED                    CASH OUT                       359650               359291.97
         948169          OWNER OCCUPIED                    REFINANCE                       93000                92905.18
         922961          OWNER OCCUPIED                    CASH OUT                       235000               234754.64
         938694          INVESTOR                          CASH OUT                       210000                209775.5
         910909          OWNER OCCUPIED                    CASH OUT                       468000               467606.82
         941049          OWNER OCCUPIED                    PURCHASE                       264000               263761.34
         936639          OWNER OCCUPIED                    PURCHASE                       303800               303490.26
         939693          OWNER OCCUPIED                    CASH OUT                        74200                74071.88
         934203          OWNER OCCUPIED                    CASH OUT                        51000                50956.09
         910453          OWNER OCCUPIED                    REFINANCE                      158320               158183.69
         939829          SECOND HOME                       PURCHASE                        42000                 41961.1
         916107          OWNER OCCUPIED                    CASH OUT                        92400                92312.33
         941648          OWNER OCCUPIED                    CASH OUT                       350000                349317.9
         929280          OWNER OCCUPIED                    REFINANCE                      222000               221768.22
         907912          OWNER OCCUPIED                    PURCHASE                       189000                188807.3
         943933          SECOND HOME                       PURCHASE                        53280                53225.68
         928270          SECOND HOME                       CASH OUT                       485000               484505.52
         931414          OWNER OCCUPIED                    PURCHASE                       283500               283210.96
         921262          OWNER OCCUPIED                    CASH OUT                       266000               265753.64
         949885          OWNER OCCUPIED                    PURCHASE                        86800                86638.79
         949377          OWNER OCCUPIED                    CASH OUT                       184000               183829.58
         929810          INVESTOR                          PURCHASE                       542500               541985.25
         897307          OWNER OCCUPIED                    CASH OUT                       805000               804236.19
         947931          OWNER OCCUPIED                    PURCHASE                       219450               219270.12
         937578          OWNER OCCUPIED                    CASH OUT                       680000               679306.71
         931616          INVESTOR                          PURCHASE                       800000               799184.37
         917534          INVESTOR                          REFINANCE                       88000                87910.28
         915307          INVESTOR                          CASH OUT                       161000               160854.45
         957822          INVESTOR                          PURCHASE                       103250               103043.93
         940791          OWNER OCCUPIED                    CASH OUT                       260000               259734.92
         818321          OWNER OCCUPIED                    PURCHASE                       490000               489535.07
         943430          OWNER OCCUPIED                    CASH OUT                       265000               264729.83
         934800          OWNER OCCUPIED                    PURCHASE                       115430               115315.09
         949263          OWNER OCCUPIED                    PURCHASE                       108500               108389.38
         955056          OWNER OCCUPIED                    CASH OUT                       256000               255732.72
         912530          INVESTOR                          PURCHASE                       285000                  284723
         943715          INVESTOR                          PURCHASE                        70000                69928.63
         949722          INVESTOR                          PURCHASE                       103250               103053.57
         928921          OWNER OCCUPIED                    REFINANCE                      277600               277310.17
         927129          OWNER OCCUPIED                    PURCHASE                       170000               169822.51
         922515          OWNER OCCUPIED                    PURCHASE                        77280                77201.21
         944077          OWNER OCCUPIED                    CASH OUT                       119000               118878.67
         926822          OWNER OCCUPIED                    PURCHASE                       126000               125886.09
         940858          OWNER OCCUPIED                    PURCHASE                       233100                232884.1
         901660          OWNER OCCUPIED                    PURCHASE                       288000               287733.25
         944760          INVESTOR                          PURCHASE                       215250               215055.41
         941535          OWNER OCCUPIED                    PURCHASE                       192500               192303.74
         933574          INVESTOR                          CASH OUT                       125000               124884.22
         944159          OWNER OCCUPIED                    CASH OUT                       232000               231769.04
         927456          INVESTOR                          PURCHASE                        73500                73438.25
         949632          INVESTOR                          PURCHASE                        61250                61194.63
         917259          OWNER OCCUPIED                    CASH OUT                       875000               874149.56
         912251          OWNER OCCUPIED                    PURCHASE                       199430               199231.31
         946988          OWNER OCCUPIED                    REFINANCE                      147200               147056.93
         943841          OWNER OCCUPIED                    REFINANCE                      359650               359291.97
         887104          INVESTOR                          REFINANCE                       52000                   51415
         887098          INVESTOR                          REFINANCE                       52000                   52000
         887105          INVESTOR                          REFINANCE                       52000                   52000
         887106          INVESTOR                          REFINANCE                       52000                   52000
         887109          INVESTOR                          REFINANCE                       52000                   52000
         888559          INVESTOR                          CASH OUT                       236250                  236250
         895205          INVESTOR                          REFINANCE                      296000                  296000
         889418          INVESTOR                          REFINANCE                       84000                   84000
         889412          INVESTOR                          REFINANCE                       85500                   85500
         879994          OWNER OCCUPIED                    CASH OUT                       158890                  158890
         899619          OWNER OCCUPIED                    CASH OUT                       193000                  193000
         896373          OWNER OCCUPIED                    CASH OUT                       350000                  350000
         893506          OWNER OCCUPIED                    PURCHASE                       126200               126065.11
         813365          INVESTOR                          REFINANCE                       37500                   37500
         813314          INVESTOR                          REFINANCE                       51000                   51000
         830135          INVESTOR                          REFINANCE                       50150                   50150
         890264          INVESTOR                          REFINANCE                      245000                  245000
         883525          OWNER OCCUPIED                    CASH OUT                       264000                  264000
         896164          OWNER OCCUPIED                    CASH OUT                       722000                  722000
         880784          INVESTOR                          PURCHASE                       350000                  350000
         906840          OWNER OCCUPIED                    PURCHASE                       266700                  266700
         885080          OWNER OCCUPIED                    PURCHASE                       209300                  209300
         918210          INVESTOR                          PURCHASE                       161700                  161700
         892437          INVESTOR                          CASH OUT                       114000                  114000
         902393          OWNER OCCUPIED                    PURCHASE                       148000                  148000
         904691          OWNER OCCUPIED                    PURCHASE                       196000                  196000
         913721          OWNER OCCUPIED                    CASH OUT                      1285000                 1285000
         909321          OWNER OCCUPIED                    PURCHASE                        59400                   59400
         896366          OWNER OCCUPIED                    PURCHASE                       192500               192442.45
         908639          OWNER OCCUPIED                    PURCHASE                       150500               150499.66
         892131          OWNER OCCUPIED                    PURCHASE                       235000                  235000
         879274          INVESTOR                          CASH OUT                       133000                  133000
         906324          INVESTOR                          PURCHASE                       115500                  115500
         922159          OWNER OCCUPIED                    PURCHASE                        78400                78318.76
         894523          INVESTOR                          PURCHASE                        56000                   56000
         892127          OWNER OCCUPIED                    REFINANCE                      523000                  523000
         906202          INVESTOR                          REFINANCE                      228000                  227520
         911253          OWNER OCCUPIED                    PURCHASE                       376000                  376000
         905536          OWNER OCCUPIED                    CASH OUT                       220000                  220000
         907633          OWNER OCCUPIED                    PURCHASE                       133000                  132970
         850389          INVESTOR                          CASH OUT                        95250                95248.56
         880768          INVESTOR                          CASH OUT                       359000                  359000
         850402          INVESTOR                          CASH OUT                       105000               104999.41
         895395          OWNER OCCUPIED                    REFINANCE                      149800                  149800
         891296          INVESTOR                          CASH OUT                        60000                   60000
         911619          INVESTOR                          PURCHASE                       101500                  101500
         905586          OWNER OCCUPIED                    PURCHASE                       172800                  172800
         885875          OWNER OCCUPIED                    PURCHASE                       276800                  276800
         888355          OWNER OCCUPIED                    PURCHASE                       155400                  155300
         866138          OWNER OCCUPIED                    PURCHASE                       108500                  108500
         900019          OWNER OCCUPIED                    PURCHASE                       129500               129476.13
         867054          OWNER OCCUPIED                    PURCHASE                       356930                  356930
         911186          OWNER OCCUPIED                    PURCHASE                       169950                  169950
         924738          OWNER OCCUPIED                    PURCHASE                       154700                  154700
         910112          INVESTOR                          REFINANCE                      184000                  184000
         887530          INVESTOR                          REFINANCE                      119000                  119000
         914996          OWNER OCCUPIED                    PURCHASE                       238000                  238000
         889262          OWNER OCCUPIED                    CASH OUT                       460000                  460000
         913362          INVESTOR                          PURCHASE                       112425                  112425
         913573          OWNER OCCUPIED                    PURCHASE                        94640                   94640
         908461          OWNER OCCUPIED                    PURCHASE                       549600                  549250
         847702          INVESTOR                          PURCHASE                       122500                  122500
         903894          INVESTOR                          REFINANCE                       76500                   76500
         893798          INVESTOR                          PURCHASE                       199500                  199500
         917241          INVESTOR                          CASH OUT                       159600               159590.66
         870168          OWNER OCCUPIED                    PURCHASE                       245000                  244000
         875629          INVESTOR                          CASH OUT                       303750                  303750
         865796          OWNER OCCUPIED                    CASH OUT                       350000                  350000
         903951          OWNER OCCUPIED                    REFINANCE                      218165                  217765
         909261          OWNER OCCUPIED                    CASH OUT                       271600                  271600
         892075          OWNER OCCUPIED                    PURCHASE                       233030                  232830
         887117          OWNER OCCUPIED                    CASH OUT                       325000                  325000
         903222          OWNER OCCUPIED                    PURCHASE                       108500                  108500
         902735          OWNER OCCUPIED                    CASH OUT                       455000               454760.41
         931900          SECOND HOME                       PURCHASE                       112800                  112800
         902076          OWNER OCCUPIED                    PURCHASE                       147000               146999.99
         889471          OWNER OCCUPIED                    PURCHASE                        92000                91998.81
         861620          OWNER OCCUPIED                    PURCHASE                       155920                  155920
         885329          INVESTOR                          CASH OUT                       140000                  140000
         885326          INVESTOR                          CASH OUT                       280000                  280000
         918913          INVESTOR                          PURCHASE                       178500                  178500
         908351          INVESTOR                          PURCHASE                        98853                   98853
         825255          OWNER OCCUPIED                    CASH OUT                      1229200                 1229200
         910115          OWNER OCCUPIED                    CASH OUT                        67900                   67900
         901982          INVESTOR                          PURCHASE                       555000                  555000
         925854          OWNER OCCUPIED                    PURCHASE                       326250                  326250
         895792          SECOND HOME                       PURCHASE                       160000                  160000
         854856          OWNER OCCUPIED                    CASH OUT                       310550                  310550
         894103          OWNER OCCUPIED                    PURCHASE                       396000                  396000
         928954          OWNER OCCUPIED                    PURCHASE                       158800                  158800
         900585          OWNER OCCUPIED                    PURCHASE                       280000                  280000
         910825          OWNER OCCUPIED                    CASH OUT                        86800                   86800
         901501          OWNER OCCUPIED                    PURCHASE                       650000               649385.42
         906566          SECOND HOME                       REFINANCE                      290000                  290000
         901540          OWNER OCCUPIED                    CASH OUT                       198250                  198250
         829489          OWNER OCCUPIED                    PURCHASE                       468900               468899.41
         901461          OWNER OCCUPIED                    CASH OUT                       528000                  528000
         899222          OWNER OCCUPIED                    CASH OUT                       392000                  392000
         902383          OWNER OCCUPIED                    PURCHASE                       176500                  176500
         898304          OWNER OCCUPIED                    PURCHASE                       248500                  248500
         915058          OWNER OCCUPIED                    PURCHASE                       108500                  108500
         878678          INVESTOR                          REFINANCE                      150000                  150000
         896203          OWNER OCCUPIED                    CASH OUT                       306000                  306000
         885024          INVESTOR                          REFINANCE                       68890                   68890
         856183          OWNER OCCUPIED                    CASH OUT                       735000                  735000
         926795          INVESTOR                          PURCHASE                        53125                   53125
         901752          INVESTOR                          PURCHASE                       213500                  213500
         892150          OWNER OCCUPIED                    PURCHASE                       122500                  122500
         890459          OWNER OCCUPIED                    PURCHASE                        78400                   78400
         906199          INVESTOR                          CASH OUT                       175000                  175000
         899675          OWNER OCCUPIED                    PURCHASE                       322000                  322000
         906264          OWNER OCCUPIED                    CASH OUT                       489600                  489600
         887458          INVESTOR                          REFINANCE                      400000               399541.67
         909018          OWNER OCCUPIED                    CASH OUT                       371000                  371000
         928500          INVESTOR                          PURCHASE                        91188                   91188
         919532          INVESTOR                          CASH OUT                        68000                   68000
         939627          OWNER OCCUPIED                    PURCHASE                       168000                  168000
         887828          OWNER OCCUPIED                    CASH OUT                       162000                  162000
         908942          OWNER OCCUPIED                    CASH OUT                       400000                  400000
         917752          OWNER OCCUPIED                    CASH OUT                       269500               269300.31
         916575          OWNER OCCUPIED                    PURCHASE                       170800               170786.21
         925754          OWNER OCCUPIED                    PURCHASE                       122500               122497.69
         891019          OWNER OCCUPIED                    PURCHASE                        79900                   79900
         918563          INVESTOR                          REFINANCE                       58400                   58400
         918615          INVESTOR                          REFINANCE                       57600                   57600
         903921          INVESTOR                          PURCHASE                        89950                   89950
         887464          OWNER OCCUPIED                    CASH OUT                       296500                  296500
         922877          OWNER OCCUPIED                    PURCHASE                       262500                  262500
         904220          OWNER OCCUPIED                    PURCHASE                       107200                  107200
         912708          OWNER OCCUPIED                    CASH OUT                       154000               153842.12
         875987          INVESTOR                          PURCHASE                        96000                   96000
         883836          INVESTOR                          PURCHASE                       156450                  156450
         920566          OWNER OCCUPIED                    PURCHASE                       122500                  122500
         911595          OWNER OCCUPIED                    PURCHASE                       297500                  297500
         917484          OWNER OCCUPIED                    PURCHASE                       132300                  132300
         932452          INVESTOR                          PURCHASE                        71050                   71050
         895945          OWNER OCCUPIED                    CASH OUT                       192000                191999.5
         893879          OWNER OCCUPIED                    CASH OUT                       157000                  157000
         897760          OWNER OCCUPIED                    PURCHASE                       316875               316874.34
         913224          OWNER OCCUPIED                    PURCHASE                       245350                  245350
         913316          OWNER OCCUPIED                    PURCHASE                       969500                  969500
         848735          INVESTOR                          REFINANCE                       58181                   58181
         848708          INVESTOR                          REFINANCE                       52945                   52945
         848688          INVESTOR                          REFINANCE                       47950                   47950
         848626          INVESTOR                          REFINANCE                       53954                   53954
         848748          INVESTOR                          REFINANCE                       71050                   71050
         848696          INVESTOR                          REFINANCE                       47149                   47149
         848720          INVESTOR                          REFINANCE                       68819                   68819
         848658          INVESTOR                          REFINANCE                       43878                   43878
         848743          INVESTOR                          REFINANCE                       56700                   56700
         848729          INVESTOR                          REFINANCE                       67936                   67936
         912763          OWNER OCCUPIED                    PURCHASE                       189000                  189000
         892890          OWNER OCCUPIED                    PURCHASE                       265520                  265520
         921758          OWNER OCCUPIED                    PURCHASE                       156000                  156000
         875571          INVESTOR                          PURCHASE                       146650                  146650
         900917          OWNER OCCUPIED                    REFINANCE                      192000                  192000
         906164          OWNER OCCUPIED                    CASH OUT                       468000                  467750
         851017          INVESTOR                          PURCHASE                       236300                  236300
         890572          OWNER OCCUPIED                    PURCHASE                       279828               279138.95
         925874          INVESTOR                          REFINANCE                      116000                  116000
         895089          OWNER OCCUPIED                    CASH OUT                       238000                  238000
         935468          OWNER OCCUPIED                    PURCHASE                       124250                  124250
         898650          OWNER OCCUPIED                    REFINANCE                      338000                  338000
         913534          OWNER OCCUPIED                    CASH OUT                       100000                  100000
         906192          INVESTOR                          REFINANCE                       83100                   83100
         917999          INVESTOR                          PURCHASE                       133700                  133700
         912665          OWNER OCCUPIED                    PURCHASE                        87500                   87500
         924810          INVESTOR                          PURCHASE                       123450                  123450
         919337          INVESTOR                          REFINANCE                      239400                  239400
         919761          INVESTOR                          PURCHASE                       182000                  182000
         917539          INVESTOR                          PURCHASE                       192000                  192000
         899496          OWNER OCCUPIED                    CASH OUT                       337000                  337000
         896206          OWNER OCCUPIED                    CASH OUT                       177849                  177849
         925187          OWNER OCCUPIED                    PURCHASE                       171500               171494.17
         922845          OWNER OCCUPIED                    PURCHASE                       193200               193199.99
         927984          OWNER OCCUPIED                    PURCHASE                       472000               471941.67
         890117          INVESTOR                          PURCHASE                       105000               104989.27
         907127          OWNER OCCUPIED                    PURCHASE                       481894                  481894
         870159          INVESTOR                          PURCHASE                        92400                   92400
         876900          INVESTOR                          PURCHASE                        77000                   77000
         876904          INVESTOR                          PURCHASE                        66500                   66500
         856793          INVESTOR                          CASH OUT                        45500                   45500
         872976          OWNER OCCUPIED                    PURCHASE                       504000                  504000
         934154          OWNER OCCUPIED                    PURCHASE                       543600               543599.99
         912419          INVESTOR                          PURCHASE                       107100                  107100
         908782          OWNER OCCUPIED                    PURCHASE                       227236                  227236
         933418          INVESTOR                          PURCHASE                        47250                   47250
         918978          OWNER OCCUPIED                    REFINANCE                      170000                  170000
         921118          INVESTOR                          PURCHASE                       202920               202819.99
         898868          SECOND HOME                       PURCHASE                       319200                  319200
         902475          OWNER OCCUPIED                    REFINANCE                       84000                   84000
         917375          INVESTOR                          PURCHASE                        77000                   77000
         917461          INVESTOR                          PURCHASE                        77000                   77000
         920461          OWNER OCCUPIED                    PURCHASE                       142800                  142800
         840267          INVESTOR                          CASH OUT                        58800                   58800
         908650          OWNER OCCUPIED                    PURCHASE                       528000                  528000
         906555          OWNER OCCUPIED                    REFINANCE                      334000                  334000
         910044          OWNER OCCUPIED                    PURCHASE                       269500                  267500
         919395          OWNER OCCUPIED                    CASH OUT                       248500                  248500
         906245          OWNER OCCUPIED                    CASH OUT                       159600                  159600
         927987          INVESTOR                          REFINANCE                       52592                   52592
         928595          INVESTOR                          PURCHASE                       126000                  126000
         900039          OWNER OCCUPIED                    CASH OUT                       152600                  152600
         917813          INVESTOR                          PURCHASE                       132265                  132265
         915596          OWNER OCCUPIED                    PURCHASE                       250600                  250600
         906010          OWNER OCCUPIED                    PURCHASE                       263900                  263900
         892608          OWNER OCCUPIED                    PURCHASE                       419300                  419300
         937487          OWNER OCCUPIED                    PURCHASE                       196000                  196000
         920056          INVESTOR                          CASH OUT                       130000                  130000
         903247          INVESTOR                          PURCHASE                       633500                  633500
         928003          OWNER OCCUPIED                    PURCHASE                       222600                  222600
         913527          INVESTOR                          REFINANCE                      320000                  320000
         928060          OWNER OCCUPIED                    PURCHASE                       135261                  135241
         926014          OWNER OCCUPIED                    PURCHASE                       353500               353367.84
         929206          OWNER OCCUPIED                    PURCHASE                       100920                  100920
         902806          OWNER OCCUPIED                    PURCHASE                       131250                  131250
         927595          OWNER OCCUPIED                    PURCHASE                       220500                  220500
         929210          OWNER OCCUPIED                    PURCHASE                       208950                  208950
         916610          OWNER OCCUPIED                    PURCHASE                       271050                  271050
         920686          OWNER OCCUPIED                    CASH OUT                       300000                  300000
         869035          OWNER OCCUPIED                    PURCHASE                       487500                  487500
         901725          INVESTOR                          PURCHASE                       455000                  455000
         900892          INVESTOR                          CASH OUT                       208000                  208000
         909955          OWNER OCCUPIED                    CASH OUT                       425000                  425000
         772144          OWNER OCCUPIED                    PURCHASE                       359650                  359650
         920649          INVESTOR                          PURCHASE                       102900                  102900
         926340          OWNER OCCUPIED                    PURCHASE                       143500                  143500
         793814          OWNER OCCUPIED                    CASH OUT                       144000                  144000
         911932          OWNER OCCUPIED                    CASH OUT                       168000                  168000
         758739          OWNER OCCUPIED                    PURCHASE                       111313                  111313
         910875          OWNER OCCUPIED                    CASH OUT                       160300                  160300
         920004          OWNER OCCUPIED                    CASH OUT                       300000                  300000
         899492          OWNER OCCUPIED                    PURCHASE                       211920                  211920
         925385          OWNER OCCUPIED                    PURCHASE                       214830                  214830
         859356          OWNER OCCUPIED                    PURCHASE                       359650                  359650
         929722          OWNER OCCUPIED                    PURCHASE                       405300                  405300
         866666          OWNER OCCUPIED                    PURCHASE                       145600                  145600
         902772          OWNER OCCUPIED                    CASH OUT                       410000                  410000
         939062          OWNER OCCUPIED                    PURCHASE                       116000                  116000
         893903          OWNER OCCUPIED                    CASH OUT                       716250                  716250
         911962          INVESTOR                          CASH OUT                       234500                  234500
         898504          SECOND HOME                       PURCHASE                       168700                  168700
         907624          OWNER OCCUPIED                    CASH OUT                       135000                  135000
         928859          INVESTOR                          PURCHASE                        97930                   97930
         911536          OWNER OCCUPIED                    PURCHASE                       245000                  245000
         924921          OWNER OCCUPIED                    CASH OUT                       252000                  251900
         925584          OWNER OCCUPIED                    REFINANCE                      117000                  117000
         886464          OWNER OCCUPIED                    CASH OUT                       120000                  120000
         914690          OWNER OCCUPIED                    CASH OUT                       301000                  301000
         916293          INVESTOR                          CASH OUT                       140000                  140000
         912012          INVESTOR                          CASH OUT                       141400                  141400
         911693          INVESTOR                          CASH OUT                       280000                  280000
         918368          OWNER OCCUPIED                    PURCHASE                       177160                  177160
         848467          OWNER OCCUPIED                    PURCHASE                       136360                  136360
         891499          OWNER OCCUPIED                    REFINANCE                      413600                  413600
         925481          OWNER OCCUPIED                    PURCHASE                        76000                   76000
         923865          OWNER OCCUPIED                    PURCHASE                       336000                  336000
         777986          OWNER OCCUPIED                    PURCHASE                       124400                  124400
         920017          OWNER OCCUPIED                    PURCHASE                       268000                  268000
         923637          OWNER OCCUPIED                    PURCHASE                       312000               311999.83
         899216          OWNER OCCUPIED                    CASH OUT                       300000                  300000
         896163          OWNER OCCUPIED                    CASH OUT                       155000                  155000
         914593          OWNER OCCUPIED                    CASH OUT                       180000                  180000
         914741          OWNER OCCUPIED                    CASH OUT                       235000                  235000
         938047          OWNER OCCUPIED                    PURCHASE                       198030                  198030
         941918          OWNER OCCUPIED                    PURCHASE                       127400                  127400
         903473          OWNER OCCUPIED                    PURCHASE                       120400                  120400
         926556          INVESTOR                          PURCHASE                       120500                  120500
         917192          INVESTOR                          PURCHASE                       212730                  212730
         833274          INVESTOR                          PURCHASE                       151200                  151200
         922675          OWNER OCCUPIED                    REFINANCE                      211200                  211200
         906289          OWNER OCCUPIED                    PURCHASE                       125650                  125650
         938489          OWNER OCCUPIED                    PURCHASE                        93730                   93730
         912880          OWNER OCCUPIED                    CASH OUT                       133000                  133000
         921375          INVESTOR                          PURCHASE                       306950                  306950
         919458          OWNER OCCUPIED                    PURCHASE                       269500                  269500
         901733          OWNER OCCUPIED                    PURCHASE                       112770                  112770
         877886          OWNER OCCUPIED                    PURCHASE                       528000                  528000
         897788          OWNER OCCUPIED                    PURCHASE                      1417500                 1417500
         901517          INVESTOR                          CASH OUT                       173500                  173500
         944804          INVESTOR                          PURCHASE                       159650                  159650
         907571          INVESTOR                          PURCHASE                       166250               166244.37
         928399          OWNER OCCUPIED                    PURCHASE                       251200                  251200
         932474          OWNER OCCUPIED                    REFINANCE                      100000                  100000
         917014          OWNER OCCUPIED                    CASH OUT                       170000                  170000
         899082          OWNER OCCUPIED                    CASH OUT                       217750                  217750
         940293          OWNER OCCUPIED                    PURCHASE                       110600                  110600
         917557          OWNER OCCUPIED                    PURCHASE                       367500                  367500
         947095          OWNER OCCUPIED                    PURCHASE                       171500                  171500
         902469          OWNER OCCUPIED                    CASH OUT                       192500                  192500
         940643          INVESTOR                          REFINANCE                      337000                  337000
         934040          INVESTOR                          PURCHASE                       145950                  145950
         875502          OWNER OCCUPIED                    PURCHASE                       418520                418519.5
         923601          SECOND HOME                       PURCHASE                       166600                  166600
         918200          SECOND HOME                       PURCHASE                       149491                  149491
         928137          OWNER OCCUPIED                    PURCHASE                        87500                   87500
         923451          INVESTOR                          PURCHASE                       130021                  130021
         911847          INVESTOR                          CASH OUT                       388000                  388000
         870830          OWNER OCCUPIED                    PURCHASE                       146400                  146400
         922905          OWNER OCCUPIED                    REFINANCE                      462000               461999.99
         880788          INVESTOR                          CASH OUT                       609000                  609000
         907307          INVESTOR                          PURCHASE                       143500                  143500
         911007          OWNER OCCUPIED                    PURCHASE                        93100                   93100
         918247          OWNER OCCUPIED                    CASH OUT                       262500                  262500
         932680          INVESTOR                          PURCHASE                       142800                  142800
         849572          INVESTOR                          PURCHASE                        61761                   61761
         908103          OWNER OCCUPIED                    PURCHASE                       100450                  100450
         920003          INVESTOR                          CASH OUT                        84750                84749.44
         917369          OWNER OCCUPIED                    PURCHASE                       329600                  329600
         928557          INVESTOR                          PURCHASE                        91188                   91188
         897444          INVESTOR                          CASH OUT                       260000               259972.91
         905113          OWNER OCCUPIED                    REFINANCE                      160000               159924.45
         912087          OWNER OCCUPIED                    PURCHASE                       316000                  316000
         902642          INVESTOR                          PURCHASE                       105000                104817.2
         938982          OWNER OCCUPIED                    REFINANCE                      145600                  145600
         919747          OWNER OCCUPIED                    CASH OUT                       251995                  251995
         911868          OWNER OCCUPIED                    PURCHASE                      1000000                 1000000
         932627          INVESTOR                          PURCHASE                        51030                   51030
         919265          OWNER OCCUPIED                    PURCHASE                       423000                  423000
         887600          OWNER OCCUPIED                    PURCHASE                       268000                  268000
         912652          OWNER OCCUPIED                    PURCHASE                       178150               178132.89
         923213          OWNER OCCUPIED                    PURCHASE                       208000                  208000
         940874          INVESTOR                          PURCHASE                       111200                  111200
         905518          INVESTOR                          REFINANCE                      280000               279999.67
         920147          INVESTOR                          REFINANCE                       80500                   80500
         926411          OWNER OCCUPIED                    PURCHASE                       300000                  300000
         927647          OWNER OCCUPIED                    PURCHASE                       116900                  116900
         832844          OWNER OCCUPIED                    PURCHASE                       308000                  308000
         910262          SECOND HOME                       CASH OUT                       175000                  175000
         890994          SECOND HOME                       PURCHASE                       160000                  160000
         894404          OWNER OCCUPIED                    REFINANCE                      547000               546697.13
         917979          OWNER OCCUPIED                    PURCHASE                       546000                545805.5
         930794          OWNER OCCUPIED                    CASH OUT                       409500                  409500
         924408          OWNER OCCUPIED                    PURCHASE                       193900                  193900
         917110          OWNER OCCUPIED                    PURCHASE                       151400                  151400
         900398          OWNER OCCUPIED                    PURCHASE                       479000                  478044
         919277          OWNER OCCUPIED                    PURCHASE                       102400               102168.67
         919449          SECOND HOME                       PURCHASE                       192500                  192500
         938772          INVESTOR                          PURCHASE                       113901                  113901
         942105          INVESTOR                          PURCHASE                       395350                  395350
         923653          OWNER OCCUPIED                    PURCHASE                       206500                  206500
         940989          OWNER OCCUPIED                    PURCHASE                       443600                  443600
         939301          INVESTOR                          PURCHASE                        83930                   83930
         920665          OWNER OCCUPIED                    PURCHASE                       129850                  129850
         940948          INVESTOR                          PURCHASE                       372000                  372000
         921582          INVESTOR                          PURCHASE                       295000                  295000
         934639          OWNER OCCUPIED                    PURCHASE                       102400                  102400
         933050          OWNER OCCUPIED                    REFINANCE                      179000                  179000
         916142          INVESTOR                          PURCHASE                       124000                  124000
         919311          INVESTOR                          PURCHASE                       114100                  114100
         924108          OWNER OCCUPIED                    PURCHASE                       191600                  191600
         939156          SECOND HOME                       PURCHASE                       180000                  180000
         928568          OWNER OCCUPIED                    CASH OUT                       424500                  424500
         936163          OWNER OCCUPIED                    PURCHASE                        80150                   80150
         934333          OWNER OCCUPIED                    PURCHASE                       211200                  211200
         924399          INVESTOR                          CASH OUT                       202500                  202500
         928779          INVESTOR                          PURCHASE                       170400                  170400
         934590          OWNER OCCUPIED                    PURCHASE                       259800                  259800
         929570          OWNER OCCUPIED                    PURCHASE                       500000                  500000
         835352          INVESTOR                          PURCHASE                       105084                  105084
         898930          OWNER OCCUPIED                    CASH OUT                       305000                  305000
         906522          OWNER OCCUPIED                    CASH OUT                       304000                  304000
         924210          OWNER OCCUPIED                    CASH OUT                       233000                  233000
         934287          OWNER OCCUPIED                    CASH OUT                       500000               499604.17
         929093          OWNER OCCUPIED                    CASH OUT                       245000                  245000
         934149          OWNER OCCUPIED                    PURCHASE                       158900                  158800
         947286          OWNER OCCUPIED                    PURCHASE                       206500                  206500
         938913          OWNER OCCUPIED                    PURCHASE                       126300                  126300
         930594          OWNER OCCUPIED                    PURCHASE                       253970                  253970
         934901          OWNER OCCUPIED                    PURCHASE                       318500                  318500
         926307          OWNER OCCUPIED                    PURCHASE                       224000               223996.41
         761029          OWNER OCCUPIED                    PURCHASE                       180000                  180000
         934051          INVESTOR                          PURCHASE                       182875               182814.03
         913670          OWNER OCCUPIED                    PURCHASE                       260000                  260000
         923181          OWNER OCCUPIED                    REFINANCE                      172000                  172000
         893080          INVESTOR                          PURCHASE                       135100                  135100
         920835          OWNER OCCUPIED                    PURCHASE                       107800                  107800
         934093          INVESTOR                          CASH OUT                       235000                  235000
         926176          INVESTOR                          CASH OUT                       176000                  176000
         934407          INVESTOR                          PURCHASE                       462500                  462500
         903826          OWNER OCCUPIED                    PURCHASE                       405300                  405300
         909623          INVESTOR                          CASH OUT                       100940                  100940
         933854          OWNER OCCUPIED                    CASH OUT                       153000                  153000
         897041          OWNER OCCUPIED                    PURCHASE                       175000                  175000
         934797          OWNER OCCUPIED                    PURCHASE                       209930                  209930
         930258          OWNER OCCUPIED                    PURCHASE                       135550                  135550
         919428          OWNER OCCUPIED                    PURCHASE                       199500                  199500
         948306          OWNER OCCUPIED                    PURCHASE                       125300                  125300
         929838          INVESTOR                          PURCHASE                        84000                   84000
         856657          INVESTOR                          CASH OUT                        42750                   42750
         884712          OWNER OCCUPIED                    PURCHASE                       280000                  280000
         951067          OWNER OCCUPIED                    PURCHASE                        55930                55925.03
         920380          OWNER OCCUPIED                    PURCHASE                       212800               212084.35
         920919          OWNER OCCUPIED                    PURCHASE                       187250                  187250
         929248          INVESTOR                          CASH OUT                       112000                  112000
         933628          OWNER OCCUPIED                    CASH OUT                       160000                  160000
         913570          OWNER OCCUPIED                    CASH OUT                        80500                   80500
         934856          OWNER OCCUPIED                    REFINANCE                       89600                   89600
         892467          OWNER OCCUPIED                    REFINANCE                      224000               223239.67
         932108          OWNER OCCUPIED                    REFINANCE                      399500               398237.26
         921300          OWNER OCCUPIED                    REFINANCE                      100000                   99800
         933777          OWNER OCCUPIED                    PURCHASE                       257650                  257650
         942470          OWNER OCCUPIED                    CASH OUT                       119000               118878.67
         885497          OWNER OCCUPIED                    CASH OUT                       128000                  128000
         915703          OWNER OCCUPIED                    PURCHASE                       113400               113399.99
         924758          SECOND HOME                       PURCHASE                        87000                   87000
         947834          OWNER OCCUPIED                    PURCHASE                       229960                  229960
         930162          OWNER OCCUPIED                    CASH OUT                       166600                  166600
         898605          INVESTOR                          PURCHASE                       264000                  264000
         917060          OWNER OCCUPIED                    PURCHASE                       300000               299765.93
         930397          OWNER OCCUPIED                    CASH OUT                       270000               269999.99
         906509          INVESTOR                          PURCHASE                       112000                  112000
         921625          OWNER OCCUPIED                    REFINANCE                      180000                  180000
         914832          OWNER OCCUPIED                    CASH OUT                       150000                  150000
         921781          OWNER OCCUPIED                    PURCHASE                       159950                  159950
         923998          OWNER OCCUPIED                    PURCHASE                       271200                  271200
         939036          OWNER OCCUPIED                    PURCHASE                       122150                  122150
         951305          OWNER OCCUPIED                    PURCHASE                       330750               330722.66
         928487          OWNER OCCUPIED                    CASH OUT                       168217                  168217
         925932          OWNER OCCUPIED                    PURCHASE                       191450                  191450
         896105          OWNER OCCUPIED                    PURCHASE                       250000                  250000
         925053          OWNER OCCUPIED                    CASH OUT                       585000                  585000
         923996          OWNER OCCUPIED                    CASH OUT                       157000                  157000
         924160          OWNER OCCUPIED                    CASH OUT                       630000                  630000
         895647          OWNER OCCUPIED                    PURCHASE                       308000                  308000
         924985          OWNER OCCUPIED                    PURCHASE                       174930                  174930
         941033          OWNER OCCUPIED                    PURCHASE                       155750                  155750
         926901          OWNER OCCUPIED                    CASH OUT                       495000               494578.12
         936876          INVESTOR                          PURCHASE                        78400                   78400
         924413          OWNER OCCUPIED                    PURCHASE                       211400                  211400
         901558          OWNER OCCUPIED                    PURCHASE                       148400                  148400
         873655          OWNER OCCUPIED                    PURCHASE                       286000                  286000
         928018          INVESTOR                          PURCHASE                       118500               118483.91
         927863          OWNER OCCUPIED                    CASH OUT                       540000                  540000
         929374          OWNER OCCUPIED                    PURCHASE                       164000                  164000
         942728          INVESTOR                          PURCHASE                       178100               178054.17
         940272          INVESTOR                          PURCHASE                       159600                  159600
         918624          OWNER OCCUPIED                    PURCHASE                       200000                  200000
         939904          OWNER OCCUPIED                    CASH OUT                       153000               152989.06
         909611          OWNER OCCUPIED                    CASH OUT                       224000                  224000
         922361          OWNER OCCUPIED                    REFINANCE                      187500                  187500
         935256          OWNER OCCUPIED                    PURCHASE                        56000                   56000
         955928          OWNER OCCUPIED                    PURCHASE                        90580                   90580
         890877          OWNER OCCUPIED                    PURCHASE                       270736                  270736
         938340          INVESTOR                          REFINANCE                      146500                  146500
         904253          INVESTOR                          PURCHASE                        93800                   93800
         907957          INVESTOR                          PURCHASE                       140000                  140000
         944380          INVESTOR                          PURCHASE                       107800                  107800
         928671          INVESTOR                          PURCHASE                       168000                  168000
         935891          INVESTOR                          PURCHASE                        63700                   63700
         940365          INVESTOR                          PURCHASE                       154900                  154900
         951005          OWNER OCCUPIED                    PURCHASE                        70400                   70400
         951700          OWNER OCCUPIED                    PURCHASE                       260400                  260400
         898370          OWNER OCCUPIED                    PURCHASE                       255300                  255300
         943687          OWNER OCCUPIED                    PURCHASE                       525000                  525000
         920476          OWNER OCCUPIED                    PURCHASE                       429800                  429800
         951476          INVESTOR                          PURCHASE                       161000                  161000
         937552          OWNER OCCUPIED                    PURCHASE                       287000                  287000
         949409          OWNER OCCUPIED                    PURCHASE                       264000                  264000
         926164          OWNER OCCUPIED                    PURCHASE                       312600                  312600
         925395          SECOND HOME                       PURCHASE                       112000                  112000
         928168          OWNER OCCUPIED                    PURCHASE                       187600                  187600
         942759          INVESTOR                          PURCHASE                        80500                   80500
         949844          OWNER OCCUPIED                    CASH OUT                        94900                   94900
         950595          INVESTOR                          PURCHASE                        52500                   52500
         887295          OWNER OCCUPIED                    PURCHASE                       285000                  285000
         934725          INVESTOR                          CASH OUT                       140700                  140700
         925267          OWNER OCCUPIED                    PURCHASE                       159700                  159700
         917440          OWNER OCCUPIED                    PURCHASE                       150500                  150500
         912292          OWNER OCCUPIED                    PURCHASE                       315250                314787.3
         909212          OWNER OCCUPIED                    PURCHASE                       450000                  450000
         811441          OWNER OCCUPIED                    PURCHASE                       595400                  595400
         920880          INVESTOR                          REFINANCE                       63750                   63750
         921456          INVESTOR                          PURCHASE                       180050                  180050
         919358          OWNER OCCUPIED                    REFINANCE                      277500               277005.19
         923313          OWNER OCCUPIED                    CASH OUT                       359650                  359650
         924345          INVESTOR                          PURCHASE                        56000                   56000
         925780          INVESTOR                          PURCHASE                        63000                   63000
         925871          INVESTOR                          PURCHASE                        77000                   77000
         929501          OWNER OCCUPIED                    PURCHASE                       384300                  384300
         915504          OWNER OCCUPIED                    CASH OUT                       556000               555991.64
         940322          OWNER OCCUPIED                    PURCHASE                       181650                  181650
         921917          SECOND HOME                       PURCHASE                       126225                  126225
         862796          INVESTOR                          REFINANCE                      175000                  175000
         922697          SECOND HOME                       PURCHASE                       885000                  885000
         904753          OWNER OCCUPIED                    CASH OUT                        88200                   88200
         953343          OWNER OCCUPIED                    PURCHASE                       165000                  165000
         931786          SECOND HOME                       PURCHASE                       206500                  206500
         840396          OWNER OCCUPIED                    REFINANCE                      164500                  164500
         911579          OWNER OCCUPIED                    PURCHASE                       552750                  552750
         930784          OWNER OCCUPIED                    REFINANCE                      120800                  120800
         848963          OWNER OCCUPIED                    CASH OUT                       350000                  350000
         944111          OWNER OCCUPIED                    CASH OUT                       130000                  130000
         929698          OWNER OCCUPIED                    PURCHASE                       159400                  159400
         936055          OWNER OCCUPIED                    CASH OUT                       650000                  650000
         929667          OWNER OCCUPIED                    CASH OUT                       439600                  439600
         897602          OWNER OCCUPIED                    PURCHASE                       444500                  444500
         925753          OWNER OCCUPIED                    PURCHASE                       500500                  500500
         948069          INVESTOR                          PURCHASE                        85300                   85300
         848537          OWNER OCCUPIED                    CASH OUT                      1917500                 1917500
         908431          SECOND HOME                       PURCHASE                       875000                  875000
         948103          OWNER OCCUPIED                    REFINANCE                      184900                  184900
         895800          INVESTOR                          PURCHASE                       472500                  472500
         935924          INVESTOR                          REFINANCE                      315500                  315500
         924908          OWNER OCCUPIED                    CASH OUT                       158900                  158900
         900610          OWNER OCCUPIED                    CASH OUT                       328800                  328800
         913560          OWNER OCCUPIED                    PURCHASE                       348000                  348000
         929477          OWNER OCCUPIED                    CASH OUT                       256640                  256640
         945390          INVESTOR                          PURCHASE                       461300                  461300
         922239          OWNER OCCUPIED                    PURCHASE                       937500                  937500
         936389          OWNER OCCUPIED                    CASH OUT                       427140                  427140
         936112          OWNER OCCUPIED                    CASH OUT                       247000                  247000
         887554          OWNER OCCUPIED                    CASH OUT                       318750                  318750
         940688          INVESTOR                          PURCHASE                       182000                  182000
         950623          OWNER OCCUPIED                    REFINANCE                      124000                  123900
         950735          INVESTOR                          CASH OUT                        79200                   79200
         900168          OWNER OCCUPIED                    PURCHASE                       186875                  186875
         900088          OWNER OCCUPIED                    CASH OUT                       460000                  460000
         932936          OWNER OCCUPIED                    PURCHASE                       318430               318288.98
         944942          OWNER OCCUPIED                    CASH OUT                       187500                  187500
         948454          OWNER OCCUPIED                    PURCHASE                       292500                  292500
         941709          INVESTOR                          PURCHASE                       487500                  487500
         943450          OWNER OCCUPIED                    PURCHASE                       480000                  480000
         916911          INVESTOR                          PURCHASE                       174300                  174300
         947667          OWNER OCCUPIED                    CASH OUT                       340000                  340000
         925883          OWNER OCCUPIED                    CASH OUT                       196400                  196400
         929229          INVESTOR                          CASH OUT                        98000                   98000
         930616          OWNER OCCUPIED                    REFINANCE                      712000                  712000
         943525          INVESTOR                          CASH OUT                       114100                  114100
         909243          OWNER OCCUPIED                    REFINANCE                      149520                  149520
         951788          OWNER OCCUPIED                    PURCHASE                       198000                  198000
         929659          OWNER OCCUPIED                    CASH OUT                       168000                  168000
         949638          OWNER OCCUPIED                    PURCHASE                       156000                  156000
         932149          OWNER OCCUPIED                    PURCHASE                       150600                  150600
         863765          SECOND HOME                       PURCHASE                       119260               119256.15
         943482          OWNER OCCUPIED                    PURCHASE                       137500                  137500
         932914          OWNER OCCUPIED                    CASH OUT                       160000                  160000
         927120          OWNER OCCUPIED                    CASH OUT                       427000                  427000
         956876          OWNER OCCUPIED                    PURCHASE                       189000                  189000
         931530          OWNER OCCUPIED                    PURCHASE                       178500                  178500
         951254          OWNER OCCUPIED                    PURCHASE                       283500                  283500
         933862          INVESTOR                          REFINANCE                      168000                  168000
         807074          INVESTOR                          REFINANCE                       76800                   76800
         917477          OWNER OCCUPIED                    PURCHASE                       112000                  112000
         958604          OWNER OCCUPIED                    CASH OUT                       340500                  340500
         929634          OWNER OCCUPIED                    CASH OUT                       348750                  348750
         946629          OWNER OCCUPIED                    PURCHASE                       251300                  251300
         951171          OWNER OCCUPIED                    PURCHASE                        86030                   86030
         945017          INVESTOR                          CASH OUT                        91500                   91500
         949150          OWNER OCCUPIED                    CASH OUT                       596250                  596250
         939471          SECOND HOME                       PURCHASE                       146400                  146400
         918836          OWNER OCCUPIED                    PURCHASE                       301000                  301000
         934321          INVESTOR                          PURCHASE                       217000               216678.81
         927510          INVESTOR                          PURCHASE                        91980                   91980
         927530          INVESTOR                          PURCHASE                        91980                   91980
         943761          INVESTOR                          REFINANCE                      129300                  129300
         904615          OWNER OCCUPIED                    PURCHASE                       406000                  406000
         922718          SECOND HOME                       PURCHASE                       250000                  250000
         898289          OWNER OCCUPIED                    PURCHASE                       179900                  179900
         944270          OWNER OCCUPIED                    PURCHASE                       245000                  245000
         920890          INVESTOR                          REFINANCE                       48750                   48750
         952037          INVESTOR                          PURCHASE                        46164                   46164
         471506          OWNER OCCUPIED                    PURCHASE                       982150                  982150
         767357          OWNER OCCUPIED                    PURCHASE                       350000                  350000
         920946          OWNER OCCUPIED                    PURCHASE                       244650                  244650
         940967          OWNER OCCUPIED                    CASH OUT                       307000                  307000
         937887          OWNER OCCUPIED                    PURCHASE                       144000                  144000
         937897          OWNER OCCUPIED                    PURCHASE                       116720                  116720
         937685          OWNER OCCUPIED                    REFINANCE                      185000                  185000
         938974          OWNER OCCUPIED                    CASH OUT                       248500                  248500
     2002349103          INVESTOR                          PURCHASE                       140000               138805.43
       40316603          SECOND HOME                       PURCHASE                       123500                  123500
       40325882          OWNER OCCUPIED                    PURCHASE                       325592                  325592
       40326240          INVESTOR                          CASH OUT                       259500                258421.6
       40308909          SECOND HOME                       PURCHASE                       132700                  132700
       40310701          INVESTOR                          REFINANCE                      207500                  207500
       40329476          OWNER OCCUPIED                    PURCHASE                       416000                  416000
       40333575          OWNER OCCUPIED                    CASH OUT                       572000               571962.41
       40336137          OWNER OCCUPIED                    CASH OUT                       471250               470263.61
       40336389          INVESTOR                          PURCHASE                       189000                  189000
       40341661          INVESTOR                          CASH OUT                       487500                486138.2
       40298077          OWNER OCCUPIED                    CASH OUT                       359650               357754.43
       40379646          OWNER OCCUPIED                    PURCHASE                       496800                  496800
       40380823          OWNER OCCUPIED                    PURCHASE                       284400                  284400
       40380804          OWNER OCCUPIED                    PURCHASE                       600000                  600000
       40379234          OWNER OCCUPIED                    CASH OUT                       275000                  275000
       40379771          INVESTOR                          CASH OUT                       231500                  231500
       40380386          OWNER OCCUPIED                    PURCHASE                       281200                  281200
       40381469          OWNER OCCUPIED                    PURCHASE                       544000                  544000
       40382585          INVESTOR                          REFINANCE                      210800                  210800
       40383427          OWNER OCCUPIED                    PURCHASE                       268000                  268000
       40382908          OWNER OCCUPIED                    CASH OUT                       560000                  560000
       40385002          OWNER OCCUPIED                    PURCHASE                       342350                  342350
       40386187          SECOND HOME                       CASH OUT                       175000               174829.91
       40387213          INVESTOR                          REFINANCE                       79000                   79000
       40302746          OWNER OCCUPIED                    PURCHASE                       310700                  310700
       40332837          OWNER OCCUPIED                    PURCHASE                       176000                  176000
       40332969          OWNER OCCUPIED                    PURCHASE                       278000                  278000
       40333233          OWNER OCCUPIED                    CASH OUT                       497000                  497000
       40334323          OWNER OCCUPIED                    CASH OUT                       348000                  348000
       40335889          OWNER OCCUPIED                    CASH OUT                       470000                  470000
       40336626          SECOND HOME                       REFINANCE                      220000                  220000
       40337218          INVESTOR                          CASH OUT                       535500                  535500
       40338926          OWNER OCCUPIED                    PURCHASE                        88800                88631.04
       40339768          OWNER OCCUPIED                    PURCHASE                       287200                  287200
       40340170          OWNER OCCUPIED                    CASH OUT                        72250                   72250
       40340248          SECOND HOME                       PURCHASE                       445000               443786.61
       40340512          OWNER OCCUPIED                    REFINANCE                      220000                  220000
       40340640          OWNER OCCUPIED                    PURCHASE                       225000                  225000
       40341585          INVESTOR                          CASH OUT                       246000                  246000
       40341597          OWNER OCCUPIED                    PURCHASE                       312000                  312000
       40341214          INVESTOR                          CASH OUT                       425000               424921.89
       40341344          INVESTOR                          REFINANCE                      164000                  164000
       40341350          INVESTOR                          REFINANCE                      148000                  148000
       40341357          INVESTOR                          REFINANCE                      149000                  149000
       40341516          OWNER OCCUPIED                    REFINANCE                      224250                  224250
       40342683          OWNER OCCUPIED                    CASH OUT                       181000               180602.86
       40343593          OWNER OCCUPIED                    CASH OUT                       291200                  291200
       40343594          INVESTOR                          REFINANCE                       72400                   72400
       40349369          INVESTOR                          REFINANCE                      393750                  393750
       40343661          OWNER OCCUPIED                    CASH OUT                       208000                  208000
       40343750          OWNER OCCUPIED                    CASH OUT                       359650                  359650
       40343781          INVESTOR                          CASH OUT                       399750                  399750
       40345002          OWNER OCCUPIED                    PURCHASE                       338350                  338350
       40343884          OWNER OCCUPIED                    PURCHASE                       204000                  204000
       40343945          OWNER OCCUPIED                    CASH OUT                       280000                  279900
       40344142          OWNER OCCUPIED                    CASH OUT                       279000                  279000
       40344252          INVESTOR                          PURCHASE                       448000                  448000
       40344630          INVESTOR                          PURCHASE                       250000                  250000
       40344753          OWNER OCCUPIED                    PURCHASE                       354000               352832.25
       40344783          OWNER OCCUPIED                    PURCHASE                       255600                255561.4
       40345610          OWNER OCCUPIED                    PURCHASE                       191600               191597.49
       40345633          OWNER OCCUPIED                    PURCHASE                       214300               214250.89
       40345762          OWNER OCCUPIED                    CASH OUT                       150000                  150000
       40345773          INVESTOR                          REFINANCE                      211500                  211500
       40347021          OWNER OCCUPIED                    PURCHASE                       111200                  111200
       40347134          INVESTOR                          CASH OUT                       256000                  256000
       40345320          OWNER OCCUPIED                    PURCHASE                       136000               135527.54
       40345347          INVESTOR                          CASH OUT                       310000                  310000
       40345339          OWNER OCCUPIED                    CASH OUT                       432000                  432000
       40345379          OWNER OCCUPIED                    PURCHASE                       192000                  192000
       40346050          INVESTOR                          PURCHASE                       220000               219517.28
       40346119          INVESTOR                          CASH OUT                        94500                94297.03
       40346249          INVESTOR                          PURCHASE                       123900                  123900
       40347359          INVESTOR                          PURCHASE                       211500                  211500
       40347380          OWNER OCCUPIED                    CASH OUT                       227500                  227500
       40347421          SECOND HOME                       CASH OUT                       222000                  222000
       40347518          OWNER OCCUPIED                    CASH OUT                       464000                  463465
       40347871          OWNER OCCUPIED                    CASH OUT                       400000                  400000
       40348400          OWNER OCCUPIED                    REFINANCE                      444000                  444000
       40348417          OWNER OCCUPIED                    PURCHASE                       405000                  405000
       40348671          INVESTOR                          PURCHASE                       442500               441754.37
       40349674          OWNER OCCUPIED                    PURCHASE                       348000                  348000
       40350189          INVESTOR                          REFINANCE                      389058               388243.65
       40350193          INVESTOR                          REFINANCE                      396593               395762.88
       40350249          OWNER OCCUPIED                    REFINANCE                      353600                  353600
       40350333          OWNER OCCUPIED                    REFINANCE                      428800                  428800
       40350469          OWNER OCCUPIED                    REFINANCE                      352000                  352000
       40350509          OWNER OCCUPIED                    CASH OUT                       200000                  200000
       40350877          INVESTOR                          CASH OUT                       300000                  300000
       40351817          OWNER OCCUPIED                    CASH OUT                       211800                  211800
       40351891          OWNER OCCUPIED                    CASH OUT                       158331                  158331
       40351446          SECOND HOME                       PURCHASE                       380000                  380000
       40352399          OWNER OCCUPIED                    PURCHASE                       359650               359649.79
       40352822          OWNER OCCUPIED                    PURCHASE                       314400                  314400
       40352933          OWNER OCCUPIED                    CASH OUT                       660000                  660000
       40353671          INVESTOR                          CASH OUT                       468000                  468000
       40353692          OWNER OCCUPIED                    CASH OUT                       400000                  400000
       40353820          INVESTOR                          CASH OUT                       210000                  210000
       40353325          INVESTOR                          CASH OUT                       325000                  325000
       40353351          OWNER OCCUPIED                    REFINANCE                      228000                  227800
       40353378          OWNER OCCUPIED                    PURCHASE                       384000                  384000
       40353539          INVESTOR                          REFINANCE                      113000                  113000
       40353530          OWNER OCCUPIED                    CASH OUT                        86000                   86000
       40353609          INVESTOR                          REFINANCE                      234000                  234000
       40353977          INVESTOR                          CASH OUT                       305500                  305500
       40354730          OWNER OCCUPIED                    PURCHASE                       460000                  460000
       40354772          OWNER OCCUPIED                    PURCHASE                       464000                  464000
       40355652          OWNER OCCUPIED                    REFINANCE                      353000                  352700
       40357157          OWNER OCCUPIED                    PURCHASE                       415600                  415600
       40355214          OWNER OCCUPIED                    PURCHASE                       172500                  172500
       40355406          INVESTOR                          REFINANCE                      121000                  121000
       40355443          OWNER OCCUPIED                    CASH OUT                       450000                  450000
       40355477          OWNER OCCUPIED                    CASH OUT                       460000                  460000
       40355962          OWNER OCCUPIED                    PURCHASE                       397500                  397500
       40356160          OWNER OCCUPIED                    CASH OUT                       359600                  359600
       40356199          OWNER OCCUPIED                    PURCHASE                       288000                  288000
       40356524          INVESTOR                          CASH OUT                       435500               434630.75
       40356613          OWNER OCCUPIED                    CASH OUT                       200000               199591.18
       40356773          OWNER OCCUPIED                    PURCHASE                       340000                  340000
       40357702          OWNER OCCUPIED                    CASH OUT                       292500                  292500
       40357731          OWNER OCCUPIED                    PURCHASE                       420000               419321.74
       40357406          OWNER OCCUPIED                    CASH OUT                       384000               382785.79
       40357443          OWNER OCCUPIED                    REFINANCE                      160000                  160000
       40357472          OWNER OCCUPIED                    CASH OUT                       318750                  318750
       40357566          INVESTOR                          CASH OUT                       190400                  190400
       40357567          INVESTOR                          PURCHASE                       436000                  436000
       40357985          OWNER OCCUPIED                    CASH OUT                       770000                  770000
       40358656          OWNER OCCUPIED                    CASH OUT                       450000                  450000
       40358677          OWNER OCCUPIED                    REFINANCE                      640000                  640000
       40358792          OWNER OCCUPIED                    CASH OUT                       320000               319264.29
       40358772          OWNER OCCUPIED                    CASH OUT                       270000                  270000
       40359805          INVESTOR                          REFINANCE                      236000               235494.22
       40359860          INVESTOR                          PURCHASE                       139920                  139920
       40359879          OWNER OCCUPIED                    CASH OUT                       320000                  320000
       40361077          OWNER OCCUPIED                    CASH OUT                       382000               381870.21
       40361082          INVESTOR                          CASH OUT                       700000                  700000
       40359547          OWNER OCCUPIED                    CASH OUT                      1066000                 1066000
       40359583          OWNER OCCUPIED                    PURCHASE                       245600                  245600
       40359912          OWNER OCCUPIED                    CASH OUT                       270000               269765.63
       40359947          INVESTOR                          CASH OUT                       175000                  175000
       40360297          OWNER OCCUPIED                    CASH OUT                       469600                  469600
       40360353          INVESTOR                          CASH OUT                       334750                  334750
       40360431          OWNER OCCUPIED                    PURCHASE                       272000                  272000
       40360717          INVESTOR                          PURCHASE                       120800               120416.58
       40360825          SECOND HOME                       PURCHASE                       242400                  242400
       40360942          OWNER OCCUPIED                    PURCHASE                       649600               648240.31
       40363001          OWNER OCCUPIED                    PURCHASE                       350000               349195.32
       40361532          OWNER OCCUPIED                    CASH OUT                       235000                  235000
       40361985          INVESTOR                          PURCHASE                       201950               201784.46
       40362134          INVESTOR                          CASH OUT                       195000                  195000
       40362195          INVESTOR                          CASH OUT                       650000                  650000
       40362209          OWNER OCCUPIED                    PURCHASE                       332000                  332000
       40362557          INVESTOR                          REFINANCE                      172000                  172000
       40362631          OWNER OCCUPIED                    CASH OUT                       448000                  448000
       40362728          OWNER OCCUPIED                    PURCHASE                       619300                  619300
       40363672          OWNER OCCUPIED                    CASH OUT                       472000                  472000
       40363690          OWNER OCCUPIED                    CASH OUT                       313000                  313000
       40363723          OWNER OCCUPIED                    PURCHASE                       163200                  163200
       40363823          INVESTOR                          PURCHASE                       250000                  249900
       40363429          OWNER OCCUPIED                    PURCHASE                       384000                  384000
       40364217          INVESTOR                          CASH OUT                       192000               191997.33
       40364242          OWNER OCCUPIED                    PURCHASE                       359000                  359000
       40364828          INVESTOR                          PURCHASE                       325000                  325000
       40364954          OWNER OCCUPIED                    CASH OUT                       165000               164815.11
       40364956          OWNER OCCUPIED                    PURCHASE                       178325               177905.38
       40365749          OWNER OCCUPIED                    CASH OUT                       341250                  341250
       40365176          OWNER OCCUPIED                    REFINANCE                      289000                  289000
       40365392          INVESTOR                          CASH OUT                       138750                  138750
       40365845          OWNER OCCUPIED                    PURCHASE                       188000                  188000
       40366468          INVESTOR                          PURCHASE                       242000               241781.23
       40366500          INVESTOR                          PURCHASE                        74800                   74800
       40366742          OWNER OCCUPIED                    CASH OUT                      1000000                 1000000
       40367652          OWNER OCCUPIED                    PURCHASE                       464000                  464000
       40367104          INVESTOR                          CASH OUT                       161250                  161250
       40367170          OWNER OCCUPIED                    PURCHASE                       359500                  359500
       40367217          OWNER OCCUPIED                    REFINANCE                      256000                  256000
       40367472          OWNER OCCUPIED                    PURCHASE                       280000               279927.09
       40368009          SECOND HOME                       PURCHASE                       172800                  172800
       40368093          INVESTOR                          PURCHASE                       320000                  320000
       40368142          OWNER OCCUPIED                    REFINANCE                      720000                  720000
       40368210          OWNER OCCUPIED                    PURCHASE                       244800                  244800
       40368304          INVESTOR                          PURCHASE                       339625                  339625
       40368414          OWNER OCCUPIED                    CASH OUT                      1500000                 1500000
       40370928          OWNER OCCUPIED                    REFINANCE                      503000                  503000
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        1778585          INVESTOR                          PURCHASE                        72900                72767.84
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        3376366          INVESTOR                          PURCHASE                       207745               207543.08
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        3859926          INVESTOR                          PURCHASE                        63450                63334.97
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        3997678          INVESTOR                          PURCHASE                        61200                61080.73
        4033188          INVESTOR                          CASH OUT                       179000               178675.47
        4045112          INVESTOR                          PURCHASE                        26250                26206.82
        4046751          INVESTOR                          PURCHASE                       150000               149076.54
        4057111          INVESTOR                          PURCHASE                        59400                59221.72
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        4062896          INVESTOR                          PURCHASE                       264000               262990.15
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        4071897          INVESTOR                          PURCHASE                        90000                89029.77
        4072806          INVESTOR                          PURCHASE                       188910               188369.43
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        4080976          INVESTOR                          PURCHASE                       151400               150820.86
        4081662          INVESTOR                          PURCHASE                        34300                34194.57
        4083241          INVESTOR                          PURCHASE                       120000               119434.44
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        4087153          INVESTOR                          CASH OUT                       100000                99727.32
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        4092956          INVESTOR                          CASH OUT                       100000                99626.56
        4096539          INVESTOR                          PURCHASE                        43100                42982.46
        4097517          INVESTOR                          PURCHASE                       100000                98922.81
        4098610          INVESTOR                          REFINANCE                      170250               169926.08
        4100729          INVESTOR                          PURCHASE                        95520                95320.06
        4100731          INVESTOR                          CASH OUT                        65550                65419.15
        4101819          INVESTOR                          PURCHASE                        92800                92528.01
        4103507          INVESTOR                          PURCHASE                       148000               147718.39
        4104508          INVESTOR                          CASH OUT                       130000               125351.53
        4105019          INVESTOR                          PURCHASE                       162000               161620.69
        4105709          INVESTOR                          PURCHASE                       149287               148828.14
        4105920          INVESTOR                          CASH OUT                        38300                38192.99
        4105925          INVESTOR                          CASH OUT                        33500                33406.41
        4108500          INVESTOR                          CASH OUT                        75000                74780.19
        4109583          INVESTOR                          PURCHASE                        86250                86077.83
        4110026          INVESTOR                          PURCHASE                       212000               211624.88
        4110165          INVESTOR                          CASH OUT                        79800                79651.78
        4110527          INVESTOR                          PURCHASE                       152000                151689.3
        4110925          INVESTOR                          PURCHASE                       108250               107684.22
        4111062          INVESTOR                          PURCHASE                       109000               108766.39
        4111070          INVESTOR                          PURCHASE                       119200               118944.52
        4116125          INVESTOR                          REFINANCE                      122800               122566.34
        4117725          INVESTOR                          PURCHASE                        84800                84557.36
        4118898          INVESTOR                          CASH OUT                       130000               129715.13
        4119590          INVESTOR                          CASH OUT                       149500               149194.41
        4120183          INVESTOR                          PURCHASE                        79100                78938.31
        4121403          INVESTOR                          PURCHASE                       160750                160278.9
        4125276          INVESTOR                          PURCHASE                        41400                41321.22
        4125706          INVESTOR                          CASH OUT                       128800               128465.46
        4128229          INVESTOR                          PURCHASE                       100000                99795.58
        4128318          INVESTOR                          PURCHASE                       224000               223552.89
        4128330          INVESTOR                          PURCHASE                        36000                35902.62
        4128878          INVESTOR                          REFINANCE                      106000               105793.42
        4132171          INVESTOR                          REFINANCE                       74700                   74571
        4132322          INVESTOR                          CASH OUT                       112000               111655.72
        4132583          INVESTOR                          PURCHASE                       105000               104699.54
        4132612          INVESTOR                          PURCHASE                       103875               103570.56
        4132787          INVESTOR                          CASH OUT                       150000               149560.38
        4132814          INVESTOR                          PURCHASE                       287950               287287.96
        4134019          INVESTOR                          PURCHASE                       101700               101443.89
        4134183          INVESTOR                          PURCHASE                       125000               124756.38
        4134566          INVESTOR                          REFINANCE                      116500               116267.46
        4134758          INVESTOR                          REFINANCE                      119750               119510.96
        4134790          INVESTOR                          CASH OUT                       194000               193593.91
        4136230          INVESTOR                          REFINANCE                      142000               141723.26
        4136478          INVESTOR                          PURCHASE                        92000                91717.22
        4136634          INVESTOR                          CASH OUT                       293100               292401.49
        4136648          INVESTOR                          CASH OUT                       105000               104818.69
        4137927          INVESTOR                          CASH OUT                       208000               207564.62
        4138060          INVESTOR                          PURCHASE                       299950               299605.94
        4138061          INVESTOR                          PURCHASE                       224950               224691.97
        4138239          INVESTOR                          PURCHASE                        76500                 76350.9
        4138262          INVESTOR                          PURCHASE                       156750               156279.51
        4138653          INVESTOR                          CASH OUT                       130000               129758.54
        4138856          INVESTOR                          REFINANCE                      163200               162815.96
        4138965          INVESTOR                          REFINANCE                       90600                90333.59
        4139246          INVESTOR                          REFINANCE                      208500               207886.36
        4139359          INVESTOR                          PURCHASE                        80000                79861.85
        4140630          INVESTOR                          PURCHASE                       101600               101309.28
        4140636          INVESTOR                          PURCHASE                       107300               106992.95
        4141470          INVESTOR                          PURCHASE                       180000               179446.74
        4142223          INVESTOR                          PURCHASE                       340000               338954.96
        4142505          INVESTOR                          PURCHASE                       189000               188657.35
        4142522          INVESTOR                          CASH OUT                        58400                58296.65
        4142652          INVESTOR                          PURCHASE                       290907               290326.35
        4142722          INVESTOR                          CASH OUT                        94400                93859.95
        4143305          INVESTOR                          CASH OUT                        66500                66332.46
        4143317          INVESTOR                          PURCHASE                        92150                91966.06
        4144055          INVESTOR                          CASH OUT                       154000               153713.98
        4144481          INVESTOR                          PURCHASE                       237750               237228.34
        4144483          INVESTOR                          PURCHASE                        56350                56247.82
        4144626          INVESTOR                          REFINANCE                      113200               112968.59
        4144988          INVESTOR                          PURCHASE                        82500                82234.16
        4145341          INVESTOR                          REFINANCE                      169750               169403.01
        4145347          INVESTOR                          PURCHASE                       192000                191423.7
        4145820          INVESTOR                          CASH OUT                       152000               151674.24
        4146098          INVESTOR                          PURCHASE                        64500                 64374.3
        4146695          INVESTOR                          CASH OUT                        43750                43674.43
        4147487          INVESTOR                          PURCHASE                       142400               142043.43
        4147547          INVESTOR                          CASH OUT                        60000                59944.42
        4147700          INVESTOR                          REFINANCE                       90750                90546.15
        4148416          INVESTOR                          CASH OUT                       140000               139706.91
        4148523          INVESTOR                          PURCHASE                       164000               163844.39
        4148626          INVESTOR                          CASH OUT                       150400               150077.67
        4149884          INVESTOR                          CASH OUT                       192500               192133.73
        4150354          INVESTOR                          PURCHASE                        68000                67868.52
        4152010          INVESTOR                          PURCHASE                       165000               164617.35
        4152349          INVESTOR                          PURCHASE                        44000                43877.07
        4152399          INVESTOR                          CASH OUT                       175000               174462.09
        4152458          INVESTOR                          CASH OUT                       190000               189611.61
        4152533          INVESTOR                          PURCHASE                        79950                79804.45
        4152860          INVESTOR                          CASH OUT                       183700               183306.28
        4153521          INVESTOR                          PURCHASE                       158400               158091.29
        4154080          INVESTOR                          PURCHASE                       172500               172171.78
        4154736          INVESTOR                          PURCHASE                       121200               120974.88
        4154923          INVESTOR                          PURCHASE                        81810                81661.68
        4155700          INVESTOR                          CASH OUT                        75000                74769.47
        4155880          INVESTOR                          CASH OUT                       104000               103709.49
        4156081          INVESTOR                          PURCHASE                       346000                345290.3
        4156704          INVESTOR                          PURCHASE                        79400                79081.46
        4156910          INVESTOR                          PURCHASE                        83700                83466.19
        4156939          INVESTOR                          PURCHASE                       226000               225288.75
        4157913          INVESTOR                          PURCHASE                       120000                119754.7
        4158522          INVESTOR                          CASH OUT                       359000               358193.64
        4158893          INVESTOR                          PURCHASE                       168800               168316.98
        4158949          INVESTOR                          CASH OUT                       181300               180920.51
        4158962          INVESTOR                          PURCHASE                       199800               199241.86
        4159464          INVESTOR                          CASH OUT                       128000               127762.25
        4160941          INVESTOR                          PURCHASE                       121500               121196.68
        4161025          INVESTOR                          PURCHASE                       100500               100313.34
        4161482          INVESTOR                          CASH OUT                       217000               216587.13
        4161485          INVESTOR                          PURCHASE                       253600               253123.12
        4161546          INVESTOR                          PURCHASE                       179250               178908.94
        4161550          INVESTOR                          PURCHASE                        92000                91824.96
        4161709          INVESTOR                          PURCHASE                       112500               112280.74
        4162253          INVESTOR                          REFINANCE                       60000                59790.05
        4162890          INVESTOR                          PURCHASE                       199500               198857.15
        4163642          INVESTOR                          CASH OUT                       160000               159688.18
        4163673          INVESTOR                          REFINANCE                      144000               143698.58
        4163680          INVESTOR                          CASH OUT                       348000               347337.88
        4163856          INVESTOR                          PURCHASE                       154900               154446.03
        4164197          INVESTOR                          CASH OUT                       410000               409200.96
        4164232          INVESTOR                          PURCHASE                        52200                52107.62
        4164272          INVESTOR                          PURCHASE                       316000               315369.27
        4164337          INVESTOR                          CASH OUT                        40000                39932.58
        4164388          INVESTOR                          PURCHASE                        60750                60630.26
        4164715          INVESTOR                          PURCHASE                       112500               112291.04
        4165022          INVESTOR                          REFINANCE                      359500               358799.37
        4165047          INVESTOR                          PURCHASE                       218000               217543.69
        4165176          INVESTOR                          CASH OUT                       148350               148074.45
        4165223          INVESTOR                          CASH OUT                       104050               103847.22
        4165436          INVESTOR                          PURCHASE                       124000               123614.69
        4166261          INVESTOR                          REFINANCE                      100000                99761.36
        4166349          INVESTOR                          CASH OUT                        53000                52898.65
        4166877          INVESTOR                          PURCHASE                       270000               269446.34
        4167132          INVESTOR                          REFINANCE                       75000                74853.83
        4167617          INVESTOR                          CASH OUT                       111300               110989.08
        4167867          INVESTOR                          CASH OUT                       275000               274193.25
        4167875          INVESTOR                          PURCHASE                       112500               112247.31
        4168538          INVESTOR                          CASH OUT                        80000                79771.07
        4168565          INVESTOR                          CASH OUT                       168000               167656.58
        4168601          INVESTOR                          CASH OUT                       122500                122231.2
        4168794          INVESTOR                          PURCHASE                       115200               114970.05
        4169721          INVESTOR                          PURCHASE                        59400                59286.97
        4169883          INVESTOR                          PURCHASE                        81000                80853.14
        4170995          INVESTOR                          PURCHASE                       130000               129740.51
        4171909          INVESTOR                          PURCHASE                       256000               255464.16
        4171975          INVESTOR                          REFINANCE                      154000               152934.58
        4172164          INVESTOR                          REFINANCE                       58500                   58023
        4172206          INVESTOR                          CASH OUT                        90000                89832.83
        4172394          INVESTOR                          PURCHASE                       143200               142907.27
        4172699          INVESTOR                          PURCHASE                        40000                39925.25
        4173005          INVESTOR                          REFINANCE                      119500               119227.49
        4173173          INVESTOR                          PURCHASE                       123300               123070.97
        4173396          INVESTOR                          REFINANCE                      145000               144703.61
        4173403          INVESTOR                          PURCHASE                        51000                50905.27
        4173514          INVESTOR                          PURCHASE                       100770                  100564
        4173696          INVESTOR                          CASH OUT                       210000               209552.97
        4174057          INVESTOR                          CASH OUT                       122400               122137.67
        4174347          INVESTOR                          PURCHASE                       249332               248810.11
        4174408          INVESTOR                          CASH OUT                       185000               184639.46
        4174427          INVESTOR                          PURCHASE                       140800               140374.79
        4174448          INVESTOR                          PURCHASE                       156000               155695.97
        4174468          INVESTOR                          REFINANCE                       96500                96316.39
        4174596          INVESTOR                          PURCHASE                       196000               195559.75
        4174744          INVESTOR                          CASH OUT                        83000                82813.56
        4175262          INVESTOR                          PURCHASE                       235920               235194.86
        4175559          INVESTOR                          CASH OUT                        95200                94952.71
        4176504          INVESTOR                          PURCHASE                        52800                52704.26
        4176694          INVESTOR                          PURCHASE                       121500               121274.32
        4176768          INVESTOR                          PURCHASE                        97650                97493.35
        4176990          INVESTOR                          PURCHASE                       110400               110189.93
        4177120          INVESTOR                          CASH OUT                       112000               111776.44
        4177313          INVESTOR                          CASH OUT                       200000               199581.36
        4177426          INVESTOR                          PURCHASE                        49500                49399.59
        4178003          INVESTOR                          CASH OUT                       488000               486795.92
        4178063          INVESTOR                          PURCHASE                       183900               182935.42
        4178361          INVESTOR                          REFINANCE                       89993                89313.67
        4178657          INVESTOR                          CASH OUT                       123750               123214.62
        4179065          INVESTOR                          PURCHASE                        93200                93109.41
        4179096          INVESTOR                          REFINANCE                       80000                79844.09
        4179101          INVESTOR                          CASH OUT                       171500               171329.27
        4179274          INVESTOR                          PURCHASE                        56600                56439.01
        4179875          INVESTOR                          PURCHASE                       100800               100612.76
        4179995          INVESTOR                          PURCHASE                        98400                98125.13
        4180164          INVESTOR                          PURCHASE                       174000               173465.18
        4180244          INVESTOR                          CASH OUT                       487500               486105.05
        4180265          INVESTOR                          CASH OUT                       152000               151575.41
        4180294          INVESTOR                          CASH OUT                       131000               130744.71
        4180329          INVESTOR                          PURCHASE                       113200               112957.39
        4180370          INVESTOR                          PURCHASE                       103600               103402.87
        4180406          INVESTOR                          CASH OUT                       115000               114764.93
        4180660          INVESTOR                          REFINANCE                      151300               150834.95
        4180808          INVESTOR                          PURCHASE                       180000               179311.46
        4180836          INVESTOR                          PURCHASE                       148000                147290.5
        4181023          INVESTOR                          PURCHASE                       110000                109589.2
        4181028          INVESTOR                          PURCHASE                       108000               107794.51
        4181047          INVESTOR                          CASH OUT                       170001                169083.7
        4181056          INVESTOR                          REFINANCE                       37700                37288.39
        4181243          INVESTOR                          CASH OUT                        69600                69358.24
        4181535          INVESTOR                          PURCHASE                       186000               185591.89
        4181665          INVESTOR                          PURCHASE                       194240               193852.29
        4181861          INVESTOR                          REFINANCE                      168000               167680.35
        4182357          INVESTOR                          REFINANCE                       38200                38132.41
        4182408          INVESTOR                          CASH OUT                       129000                128734.6
        4182580          INVESTOR                          CASH OUT                        95000                94819.23
        4182827          INVESTOR                          PURCHASE                        99810                99605.96
        4182870          INVESTOR                          REFINANCE                       99600                99405.88
        4183058          INVESTOR                          REFINANCE                       84100                83928.08
        4183283          INVESTOR                          REFINANCE                      150500               150169.77
        4183317          INVESTOR                          PURCHASE                        68750                68609.46
        4183437          INVESTOR                          CASH OUT                       200000               199591.18
        4183679          INVESTOR                          PURCHASE                       113000               112058.36
        4183893          INVESTOR                          PURCHASE                       200500                188311.4
        4184147          INVESTOR                          PURCHASE                       322500               321824.95
        4184235          INVESTOR                          CASH OUT                       227200               226735.57
        4184384          INVESTOR                          PURCHASE                        55000                54887.57
        4184753          INVESTOR                          PURCHASE                        48600                48511.88
        4184879          INVESTOR                          PURCHASE                        17250                17234.02
        4184946          INVESTOR                          CASH OUT                       237500               237025.94
        4184961          INVESTOR                          CASH OUT                       135000               134755.24
        4185111          INVESTOR                          PURCHASE                       152000                151689.3
        4185363          INVESTOR                          PURCHASE                        49350                49253.82
        4185419          INVESTOR                          REFINANCE                       79850                79673.64
        4185443          INVESTOR                          PURCHASE                        73200                73057.33
        4185458          INVESTOR                          PURCHASE                        65200                65072.92
        4185537          INVESTOR                          PURCHASE                        62800                62683.35
        4185720          INVESTOR                          CASH OUT                       100000                99800.38
        4185956          INVESTOR                          PURCHASE                       156000               155673.46
        4185958          INVESTOR                          PURCHASE                       191900               191401.54
        4185976          INVESTOR                          REFINANCE                       68000                67873.69
        4186275          INVESTOR                          CASH OUT                        60000                 59874.4
        4186491          INVESTOR                          PURCHASE                        81000                80856.66
        4186560          INVESTOR                          REFINANCE                      480000               479018.82
        4186565          INVESTOR                          PURCHASE                       300000               294796.27
        4186716          INVESTOR                          PURCHASE                       143100               142807.47
        4187131          INVESTOR                          CASH OUT                       196000               195644.66
        4187422          INVESTOR                          PURCHASE                       122100               121722.59
        4187616          INVESTOR                          PURCHASE                       123200               122812.25
        4187744          INVESTOR                          REFINANCE                       60000                 59871.4
        4188185          INVESTOR                          PURCHASE                       125250               124981.57
        4188407          INVESTOR                          CASH OUT                       110000               109752.93
        4188423          INVESTOR                          CASH OUT                        52500                52393.31
        4188681          INVESTOR                          CASH OUT                       160000               159695.57
        4189049          INVESTOR                          PURCHASE                        26550                26501.85
        4189268          INVESTOR                          CASH OUT                       174000               173318.44
        4189396          INVESTOR                          CASH OUT                       300000               299341.75
        4189449          INVESTOR                          CASH OUT                       135000               134724.04
        4189476          INVESTOR                          REFINANCE                      129000                128736.3
        4189515          INVESTOR                          REFINANCE                      266000               265469.06
        4189519          INVESTOR                          REFINANCE                       95250                95045.85
        4189930          INVESTOR                          CASH OUT                        59500                59384.04
        4190067          INVESTOR                          REFINANCE                      406000               402367.58
        4190111          INVESTOR                          REFINANCE                       66000                65559.33
        4190217          INVESTOR                          REFINANCE                      110000               109769.73
        4190227          INVESTOR                          CASH OUT                       405500               404610.27
        4190440          INVESTOR                          REFINANCE                      132000               131603.79
        4190507          INVESTOR                          PURCHASE                       239920               239452.43
        4190539          INVESTOR                          CASH OUT                        80000                79832.54
        4190815          INVESTOR                          CASH OUT                       190000               189638.48
        4190876          INVESTOR                          PURCHASE                       116720               116508.39
        4191099          INVESTOR                          PURCHASE                       351000                350393.9
        4191197          INVESTOR                          PURCHASE                       132000               131742.75
        4191278          INVESTOR                          CASH OUT                        67200                66896.59
        4191318          INVESTOR                          PURCHASE                       108700               108477.79
        4191340          INVESTOR                          PURCHASE                       196850                196447.6
        4191452          INVESTOR                          PURCHASE                        58900                58787.93
        4191453          INVESTOR                          PURCHASE                        48500                 48407.7
        4191762          INVESTOR                          PURCHASE                        84000                83828.28
        4191820          INVESTOR                          PURCHASE                       204000               203602.43
        4192067          INVESTOR                          REFINANCE                       79300                 78643.2
        4192155          INVESTOR                          CASH OUT                       287000                286384.9
        4192336          INVESTOR                          CASH OUT                       359650               358860.87
        4192353          INVESTOR                          CASH OUT                       359650               358860.87
        4192410          INVESTOR                          REFINANCE                      129000               128729.99
        4192473          INVESTOR                          CASH OUT                       170000               169635.66
        4193459          INVESTOR                          PURCHASE                        30000                29938.66
        4193474          INVESTOR                          PURCHASE                       172000               171507.82
        4193535          INVESTOR                          PURCHASE                       159900               159431.38
        4193548          INVESTOR                          CASH OUT                       189700               189293.43
        4193568          INVESTOR                          CASH OUT                       186900               186499.43
        4193589          INVESTOR                          PURCHASE                       107100               106136.93
        4193644          INVESTOR                          PURCHASE                       127600               126509.41
        4193654          INVESTOR                          CASH OUT                       157500                157004.3
        4193658          INVESTOR                          CASH OUT                       150500               150184.98
        4193662          INVESTOR                          REFINANCE                       50000                49860.35
        4193679          INVESTOR                          CASH OUT                       107200               106907.68
        4193702          INVESTOR                          CASH OUT                       129600               129236.62
        4193703          INVESTOR                          PURCHASE                       184292               183695.17
        4193718          INVESTOR                          CASH OUT                       123740               123383.31
        4193742          INVESTOR                          REFINANCE                      113600               113065.26
        4193773          INVESTOR                          CASH OUT                       105000               104790.42
        4193774          INVESTOR                          PURCHASE                       185000               184403.88
        4193916          INVESTOR                          PURCHASE                       154400               154061.22
        4193925          INVESTOR                          CASH OUT                        60800                60678.64
        4194120          INVESTOR                          PURCHASE                       152000               151703.77
        4194297          INVESTOR                          PURCHASE                        74000                73827.17
        4194378          INVESTOR                          PURCHASE                       167500               167157.61
        4194530          INVESTOR                          REFINANCE                      147000               146343.04
        4194769          INVESTOR                          REFINANCE                      103600                103393.2
        4194796          INVESTOR                          PURCHASE                        94400                94207.03
        4194966          INVESTOR                          PURCHASE                        48150                48047.38
        4194999          INVESTOR                          PURCHASE                        59450                59336.88
        4195270          INVESTOR                          REFINANCE                       92000                91811.35
        4195297          INVESTOR                          PURCHASE                       188700               188295.58
        4195509          INVESTOR                          PURCHASE                       131250               130974.87
        4195623          INVESTOR                          PURCHASE                       106400               106192.64
        4195644          INVESTOR                          PURCHASE                       170550               170081.61
        4195685          INVESTOR                          CASH OUT                       192000               191568.74
        4195727          INVESTOR                          PURCHASE                        79800                79639.46
        4195747          INVESTOR                          PURCHASE                       236000               235146.81
        4195787          INVESTOR                          CASH OUT                       185000               184543.23
        4196235          INVESTOR                          PURCHASE                        54000                 53889.6
        4196409          INVESTOR                          CASH OUT                       160000               159648.92
        4196991          INVESTOR                          REFINANCE                      129000                128736.3
        4197014          INVESTOR                          PURCHASE                       104850               104640.72
        4197016          INVESTOR                          PURCHASE                       477750               476726.11
        4197041          INVESTOR                          PURCHASE                       163000               162619.77
        4197334          INVESTOR                          CASH OUT                       220500               220070.26
        4197832          INVESTOR                          CASH OUT                       163000               162645.04
        4197844          INVESTOR                          REFINANCE                      143000               142740.74
        4197897          INVESTOR                          PURCHASE                       477750               476726.11
        4198126          INVESTOR                          REFINANCE                      367500               366730.76
        4198127          INVESTOR                          PURCHASE                       225000               224075.65
        4198224          INVESTOR                          REFINANCE                       34700                34669.38
        4198238          INVESTOR                          PURCHASE                       199900               199481.56
        4198280          INVESTOR                          CASH OUT                       350000               348872.21
        4198528          INVESTOR                          PURCHASE                       200000               199610.21
        4198554          INVESTOR                          PURCHASE                       111200               110967.23
        4198595          INVESTOR                          PURCHASE                       150000               149600.09
        4198994          INVESTOR                          PURCHASE                       359000               356635.81
        4199005          INVESTOR                          CASH OUT                       101000               100689.54
        4199072          INVESTOR                          CASH OUT                       145000               143698.72
        4199460          INVESTOR                          PURCHASE                       359650               358879.22
        4199797          INVESTOR                          PURCHASE                        93600                 93421.9
        4200178          INVESTOR                          PURCHASE                        59920                 59808.7
        4200343          INVESTOR                          PURCHASE                       245000               244510.98
        4200483          INVESTOR                          CASH OUT                        97600                97405.17
        4200489          INVESTOR                          CASH OUT                        97600                97405.17
        4200623          INVESTOR                          PURCHASE                       116000               115784.55
        4200676          INVESTOR                          CASH OUT                       127000               126746.51
        4200708          INVESTOR                          PURCHASE                       135450                135159.7
        4200762          INVESTOR                          PURCHASE                       132904               132771.69
        4200898          INVESTOR                          CASH OUT                        91000                90830.97
        4201413          INVESTOR                          PURCHASE                       123200               122942.11
        4201645          INVESTOR                          PURCHASE                       150000               149678.52
        4201684          INVESTOR                          CASH OUT                       127400               127163.36
        4201924          INVESTOR                          PURCHASE                        84240                83998.93
        4201935          INVESTOR                          PURCHASE                       107500               107169.57
        4201966          INVESTOR                          PURCHASE                       113750               113408.57
        4202001          INVESTOR                          CASH OUT                       120000               119613.32
        4202029          INVESTOR                          PURCHASE                        89100                 88851.1
        4202068          INVESTOR                          PURCHASE                       125600               125330.81
        4202087          INVESTOR                          CASH OUT                       310000               309319.81
        4202102          INVESTOR                          PURCHASE                       140800               140512.18
        4202320          INVESTOR                          PURCHASE                        88875                88717.73
        4202357          INVESTOR                          PURCHASE                       157410               157087.87
        4202379          INVESTOR                          PURCHASE                        84000                83828.28
        4202385          INVESTOR                          PURCHASE                        40800                40729.54
        4202741          INVESTOR                          REFINANCE                      304000               303378.59
        4202940          INVESTOR                          PURCHASE                       104850               104645.66
        4203036          INVESTOR                          PURCHASE                       293000               292386.71
        4203092          INVESTOR                          REFINANCE                       68000                67873.68
        4203187          INVESTOR                          REFINANCE                      151300               150990.72
        4203192          INVESTOR                          REFINANCE                       92200                92011.54
        4203298          INVESTOR                          REFINANCE                       78500                78356.79
        4203961          INVESTOR                          PURCHASE                       135900               135647.59
        4204039          INVESTOR                          PURCHASE                        67600                67475.72
        4204063          INVESTOR                          PURCHASE                       206400               206016.64
        4204117          INVESTOR                          PURCHASE                       178000               177627.43
        4204181          INVESTOR                          PURCHASE                        79920                79838.51
        4204266          INVESTOR                          PURCHASE                        61360                61240.42
        4204786          INVESTOR                          PURCHASE                        65360                65219.93
        4204799          INVESTOR                          PURCHASE                       207000               206251.66
        4204985          INVESTOR                          CASH OUT                       175000               174642.27
        4205058          INVESTOR                          PURCHASE                        96800                96597.38
        4205109          INVESTOR                          REFINANCE                      125200                  124956
        4205390          INVESTOR                          CASH OUT                        63750                63567.59
        4205396          INVESTOR                          PURCHASE                        84750                84495.62
        4205404          INVESTOR                          PURCHASE                       139200               138801.69
        4205413          INVESTOR                          PURCHASE                       140800               140397.12
        4205438          INVESTOR                          CASH OUT                       120000               119782.43
        4205442          INVESTOR                          PURCHASE                       168000               167246.98
        4205481          INVESTOR                          CASH OUT                        91700                91358.23
        4205533          INVESTOR                          PURCHASE                       105220               105004.91
        4205542          INVESTOR                          PURCHASE                       105392               105176.56
        4205705          INVESTOR                          PURCHASE                       180000                179640.7
        4205747          INVESTOR                          PURCHASE                       145000               144703.61
        4205886          INVESTOR                          CASH OUT                        52000                51954.11
        4206330          INVESTOR                          PURCHASE                       119200               118956.33
        4206399          INVESTOR                          PURCHASE                        88960                88596.64
        4206601          INVESTOR                          CASH OUT                       182000               181503.71
        4206607          INVESTOR                          PURCHASE                       108000               107768.54
        4206785          INVESTOR                          PURCHASE                        99000                98802.39
        4206987          INVESTOR                          PURCHASE                       152000               151710.79
        4207229          INVESTOR                          PURCHASE                       103200               102989.04
        4207230          INVESTOR                          PURCHASE                       107160               106940.94
        4207307          INVESTOR                          PURCHASE                       199700               199355.14
        4207491          INVESTOR                          PURCHASE                       232500                232078.5
        4207932          INVESTOR                          PURCHASE                       121550               121350.14
        4207947          INVESTOR                          PURCHASE                       100000                   99807
        4207997          INVESTOR                          CASH OUT                        90000                89811.61
        4208149          INVESTOR                          PURCHASE                       102000               101801.21
        4208165          INVESTOR                          PURCHASE                       159080               158739.06
        4208176          INVESTOR                          CASH OUT                       159000               158697.46
        4208695          INVESTOR                          CASH OUT                        52000                51905.72
        4208710          INVESTOR                          REFINANCE                       92600                92419.54
        4208713          INVESTOR                          REFINANCE                      103000               102799.27
        4209038          INVESTOR                          REFINANCE                       76500                76290.56
        4209185          INVESTOR                          PURCHASE                       217600               217133.65
        4209249          INVESTOR                          PURCHASE                        81000                80845.84
        4209260          INVESTOR                          CASH OUT                       205000                204570.9
        4209367          INVESTOR                          PURCHASE                       107100               106910.48
        4209428          INVESTOR                          CASH OUT                       100000                99670.12
        4209449          INVESTOR                          REFINANCE                       69000                 68803.2
        4209456          INVESTOR                          PURCHASE                       125000               124744.48
        4209468          INVESTOR                          CASH OUT                        48000                47865.91
        4209474          INVESTOR                          REFINANCE                       76800                76664.11
        4209497          INVESTOR                          CASH OUT                        47994                47900.46
        4209529          INVESTOR                          REFINANCE                      195000               194414.69
        4209540          INVESTOR                          PURCHASE                       247100               246392.95
        4209552          INVESTOR                          PURCHASE                       114700               114347.44
        4209569          INVESTOR                          CASH OUT                       142400               141829.02
        4209582          INVESTOR                          PURCHASE                        77200                 76861.4
        4209672          INVESTOR                          PURCHASE                        94100                93810.77
        4209725          INVESTOR                          PURCHASE                        87000                86817.89
        4209916          INVESTOR                          REFINANCE                       91500                91321.67
        4209977          INVESTOR                          PURCHASE                       192500               192097.07
        4210037          INVESTOR                          PURCHASE                        87750                87566.32
        4210095          INVESTOR                          PURCHASE                        72200                72069.09
        4210256          INVESTOR                          CASH OUT                       124800               124562.54
        4210438          INVESTOR                          PURCHASE                       313600               312974.04
        4210581          INVESTOR                          CASH OUT                        75000                74853.83
        4210733          INVESTOR                          PURCHASE                        86400                86134.44
        4210741          INVESTOR                          CASH OUT                       153500               152993.15
        4210777          INVESTOR                          REFINANCE                      302000               301135.85
        4210826          INVESTOR                          PURCHASE                       112500               112178.07
        4210841          INVESTOR                          PURCHASE                       188900               188291.33
        4210881          INVESTOR                          PURCHASE                        75200                75049.89
        4211028          INVESTOR                          CASH OUT                       175000               174667.03
        4211702          INVESTOR                          PURCHASE                       137250               136969.14
        4211798          INVESTOR                          PURCHASE                       262000               261438.48
        4211840          INVESTOR                          PURCHASE                       184000               183607.03
        4212102          INVESTOR                          PURCHASE                       188000                187615.7
        4212204          INVESTOR                          PURCHASE                        99200                99010.27
        4212226          INVESTOR                          PURCHASE                        86920                86742.32
        4212240          INVESTOR                          CASH OUT                       190000               189420.16
        4212300          INVESTOR                          CASH OUT                       150000               149693.38
        4212305          INVESTOR                          PURCHASE                       111600               111392.73
        4212494          INVESTOR                          PURCHASE                       172000               171664.78
        4212716          INVESTOR                          PURCHASE                       188000               187587.49
        4213140          INVESTOR                          PURCHASE                       116000               115762.88
        4213409          INVESTOR                          PURCHASE                       102600                  102404
        4213598          INVESTOR                          PURCHASE                        27000                26954.49
        4213680          INVESTOR                          REFINANCE                       76000                 75862.2
        4213722          INVESTOR                          PURCHASE                       129600               129474.03
        4213767          INVESTOR                          CASH OUT                       112000               111759.96
        4213887          INVESTOR                          REFINANCE                      160000               159672.92
        4213954          INVESTOR                          PURCHASE                       150000               149524.36
        4214784          INVESTOR                          CASH OUT                       226000               225514.02
        4214992          INVESTOR                          CASH OUT                        32000                31944.72
        4215145          INVESTOR                          PURCHASE                        56800                56691.92
        4215337          INVESTOR                          PURCHASE                        51300                51209.23
        4215767          INVESTOR                          PURCHASE                        97600                97423.06
        4215834          INVESTOR                          CASH OUT                       173350               173057.74
        4216298          INVESTOR                          PURCHASE                       140800               140491.06
        4217020          INVESTOR                          PURCHASE                       219900               219324.49
        4217058          INVESTOR                          PURCHASE                        72400                72265.52
        4217176          INVESTOR                          CASH OUT                       246400               245884.24
        4217240          INVESTOR                          PURCHASE                       187500               187299.55
        4217513          INVESTOR                          CASH OUT                       275000               274410.62
        4217581          INVESTOR                          PURCHASE                       104000                103777.1
        4217879          INVESTOR                          CASH OUT                       190000               189806.28
        4217885          INVESTOR                          CASH OUT                       190000               189806.28
        4217913          INVESTOR                          PURCHASE                       121500               121160.58
        4217944          INVESTOR                          CASH OUT                       190000               188285.43
        4218292          INVESTOR                          CASH OUT                       187000               186425.22
        4218322          INVESTOR                          PURCHASE                       278350               277514.53
        4218412          INVESTOR                          PURCHASE                        88000                87324.06
        4218481          INVESTOR                          CASH OUT                        94400                94123.32
        4218728          INVESTOR                          CASH OUT                       132500               132213.69
        4218757          INVESTOR                          CASH OUT                        68800                68535.19
        4218912          INVESTOR                          PURCHASE                        96300                96116.77
        4219341          INVESTOR                          CASH OUT                       271200               270731.69
        4219642          INVESTOR                          REFINANCE                       45000                 44429.7
        4219648          INVESTOR                          PURCHASE                       176000               175496.39
        4219688          INVESTOR                          PURCHASE                       158000               157669.27
        4219757          INVESTOR                          PURCHASE                        95400                95209.57
        4219767          INVESTOR                          PURCHASE                       112000               111765.56
        4219771          INVESTOR                          REFINANCE                       74000                73810.47
        4220268          INVESTOR                          CASH OUT                       133500                133227.1
        4220415          INVESTOR                          PURCHASE                       198000               197595.26
        4221289          INVESTOR                          CASH OUT                       112000               111781.72
        4222046          INVESTOR                          CASH OUT                        58000                57902.26
        4222635          INVESTOR                          REFINANCE                       86650                86485.13
        4222871          INVESTOR                          PURCHASE                        80911                80767.82
        4223067          INVESTOR                          PURCHASE                       122400                122143.1
        4223115          INVESTOR                          PURCHASE                        73500                73346.15
        4223246          INVESTOR                          REFINANCE                       48000                47910.84
        4223261          INVESTOR                          CASH OUT                        83000                82834.33
        4223305          INVESTOR                          REFINANCE                       49100                49008.78
        4223995          INVESTOR                          PURCHASE                       123000               122603.66
        4224025          INVESTOR                          PURCHASE                       115800               115467.36
        4224037          INVESTOR                          PURCHASE                       169500               168979.01
        4224280          INVESTOR                          PURCHASE                       131600               131291.87
        4224307          INVESTOR                          REFINANCE                      101050               100767.71
        4225035          INVESTOR                          PURCHASE                        59925                59865.34
        4225979          INVESTOR                          CASH OUT                       120000               119766.12
        4226117          INVESTOR                          PURCHASE                       168000               167680.35
        4226331          INVESTOR                          PURCHASE                       103600               103377.96
        4226337          INVESTOR                          PURCHASE                       100000                99670.12
        4226419          INVESTOR                          PURCHASE                       248500               248038.45
        4226453          INVESTOR                          CASH OUT                        48837                48744.08
        4226467          INVESTOR                          PURCHASE                       196500               196078.86
        4226685          INVESTOR                          CASH OUT                        90000                89723.36
        4226853          INVESTOR                          PURCHASE                       200000               199441.33
        4226861          INVESTOR                          PURCHASE                       132750               132332.18
        4227376          INVESTOR                          PURCHASE                        90350                90085.19
        4227403          INVESTOR                          CASH OUT                       142400               141941.14
        4227692          INVESTOR                          CASH OUT                        78000                77858.58
        4227725          INVESTOR                          PURCHASE                       135900               135670.99
        4228904          INVESTOR                          PURCHASE                       210000               209785.89
        4229463          INVESTOR                          PURCHASE                        91900                91605.63
        4229566          INVESTOR                          CASH OUT                       143500                143037.6
        4229632          INVESTOR                          PURCHASE                       112000               111663.82
        4229844          INVESTOR                          CASH OUT                       146250               145951.05
        4230040          INVESTOR                          PURCHASE                       125000                124597.2
        4230048          INVESTOR                          PURCHASE                       359650               358463.62
        4230074          INVESTOR                          PURCHASE                       124800                124544.9
        4230249          INVESTOR                          PURCHASE                       130500               130263.42
        4230760          INVESTOR                          CASH OUT                       140000               139655.67
        4230988          INVESTOR                          CASH OUT                       136000               135725.88
        4231067          INVESTOR                          PURCHASE                       121050               120819.68
        4231709          INVESTOR                          PURCHASE                        69300                69183.21
        4232319          INVESTOR                          CASH OUT                       168000               166955.44
        4232438          INVESTOR                          PURCHASE                       200000               199591.18
        4232561          INVESTOR                          PURCHASE                        86925                 86664.1
        4232834          INVESTOR                          REFINANCE                       47000                46929.52
        4232980          INVESTOR                          PURCHASE                       600000               598773.54
        4233336          INVESTOR                          CASH OUT                        85000                84830.34
        4233449          INVESTOR                          CASH OUT                       208700               208009.78
        4233749          INVESTOR                          CASH OUT                       359650                358463.6
        4234198          INVESTOR                          PURCHASE                       144000               143732.53
        4234862          INVESTOR                          REFINANCE                       79600                79452.14
        4234935          INVESTOR                          PURCHASE                       101306               101103.02
        4235132          INVESTOR                          PURCHASE                       190400               190010.81
        4235690          INVESTOR                          CASH OUT                        20930                20888.22
        4235886          INVESTOR                          PURCHASE                       114240               114022.64
        4235975          INVESTOR                          CASH OUT                       205000               204560.65
        4235994          INVESTOR                          PURCHASE                       152000               151521.59
        4236056          INVESTOR                          PURCHASE                       220000               219517.28
        4236379          INVESTOR                          PURCHASE                       130150               129730.62
        4236395          INVESTOR                          PURCHASE                       188800               188414.08
        4236473          INVESTOR                          REFINANCE                      250000                249231.6
        4236505          INVESTOR                          CASH OUT                        84000                83747.85
        4236554          INVESTOR                          PURCHASE                       206320               205639.38
        4236976          INVESTOR                          PURCHASE                       112000                111806.6
        4237297          INVESTOR                          PURCHASE                       123675               123441.84
        4237533          INVESTOR                          CASH OUT                        76000                75782.52
        4237554          INVESTOR                          CASH OUT                       214000               213278.61
        4237614          INVESTOR                          REFINANCE                      103000               102571.11
        4237637          INVESTOR                          REFINANCE                      144000               143698.58
        4237817          INVESTOR                          PURCHASE                       192000               191826.42
        4238288          INVESTOR                          REFINANCE                      165500               164991.29
        4238339          INVESTOR                          PURCHASE                       196200               195811.55
        4238447          INVESTOR                          PURCHASE                        68000                67882.57
        4238477          INVESTOR                          CASH OUT                        30000                29942.91
        4238501          INVESTOR                          REFINANCE                       96000                95808.38
        4238747          INVESTOR                          CASH OUT                        33600                33491.71
        4239031          INVESTOR                          REFINANCE                       54000                53778.97
        4239992          INVESTOR                          PURCHASE                        99750                99448.33
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      114562441          OWNER OCCUPIED                    REFINANCE                      537000                  537000
      114571951          OWNER OCCUPIED                    CASH OUT                       444000                  444000
      114808434          OWNER OCCUPIED                    PURCHASE                       400000                  400000
      114823484          OWNER OCCUPIED                    CASH OUT                       650000                  650000
      114827396          OWNER OCCUPIED                    CASH OUT                       378000                  378000
      114858639          OWNER OCCUPIED                    PURCHASE                       559920                  559920
      115015196          OWNER OCCUPIED                    PURCHASE                       770000                  770000
      115095642          SECOND HOME                       CASH OUT                       650000                  650000

loanid                   schedbal                noterate            rate             subsrvfee            nxssfee
---------------------------------------------------------------------------------------------------------------------
         903506                 63951.3               7.375            7.375                0.25                0.25
         849581                 95709.1                6.25             6.25                0.25                0.25
         894850               481808.27               5.875            5.875                0.25                0.25
         916638               125801.61               5.875            5.875                0.25                0.25
         905936               129464.69                5.75             5.75                0.25                0.25
         900114               269731.21                   6                6                0.25                0.25
         926418               153853.33                6.25             6.25                0.25                0.25
         885510               234621.39               6.625            6.625                0.25                0.25
         861964               109493.48               6.125            6.125                0.25                0.25
         897604               839202.98                6.25             6.25                0.25                0.25
         915549                86365.28               6.875            6.875                0.25                0.25
         887310               166098.88                 6.5              6.5                0.25                0.25
         899786                 76853.5                6.25             6.25                0.25                0.25
         903160               358806.83                 5.5              5.5                0.25                0.25
         881179                   69650               6.375            6.375                0.25                0.25
         870567               279727.86               6.125            6.125                0.25                0.25
         888062               287726.73                6.25             6.25                0.25                0.25
         911112               287896.13                5.75             5.75                0.25                0.25
         891241               304529.31                 5.5              5.5                0.25                0.25
         897072               422089.36               6.125            6.125                0.25                0.25
         920825               148851.67                   6                6                0.25                0.25
         918655               198797.11               5.875            5.875                0.25                0.25
         904226               137862.62                   6                6                0.25                0.25
         911197               202105.36               6.125            6.125                0.25                0.25
         905190                 99909.6                 6.5              6.5                0.25                0.25
         905121                   73830               6.375            6.375                0.25                0.25
         902829               220269.78                5.75             5.75                0.25                0.25
         887096               182851.45                6.25             6.25                0.25                0.25
         907408               203611.87                6.25             6.25                0.25                0.25
         885682                98811.64                6.25             6.25                0.25                0.25
         907988               247970.11               6.375            6.375                0.25                0.25
         873196               199794.17               5.875            5.875                0.25                0.25
         905459                73430.26                6.25             6.25                0.25                0.25
         910445                103242.4               6.125            6.125                0.25                0.25
         861959               216894.01                6.25             6.25                0.25                0.25
         905736               358633.98               5.875            5.875                0.25                0.25
         917651               255230.73                6.25             6.25                0.25                0.25
         922168                74374.46               6.875            6.875                0.25                0.25
         886283               116880.71               5.875            5.875                0.25                0.25
         913550               290196.71                5.75             5.75                0.25                0.25
         901054               265671.53               6.125            6.125                0.25                0.25
         921611                72937.15                6.75             6.75                0.25                0.25
         916861               145451.55               5.875            5.875                0.25                0.25
         923390                131463.2               5.875            5.875                0.25                0.25
         905221               499569.51                6.75             6.75                0.25                0.25
         904719                   72800                6.25             6.25                0.25                0.25
         910376               120282.98               6.125            6.125                0.25                0.25
         920459               325851.27               5.625            5.625                0.25                0.25
         889969                62257.96                   6                6                0.25                0.25
         894006               227867.44               5.875            5.875                0.25                0.25
         912263                167840.6                6.25             6.25                0.25                0.25
         841883               341651.32               5.875            5.875                0.25                0.25
         889237               137463.01                   6                6                0.25                0.25
         921219               147859.57                6.25             6.25                0.25                0.25
         918552               370664.61                 6.5              6.5                0.25                0.25
         921255               230658.93                5.75             5.75                0.25                0.25
         891691               355289.43                   6                6                0.25                0.25
         907767                35666.13                6.25             6.25                0.25                0.25
         930174               147845.48                5.75             5.75                0.25                0.25
         888454                208149.7                   6                6                0.25                0.25
         910475               244731.84                 5.5              5.5                0.25                0.25
         919246               212792.98               6.125            6.125                0.25                0.25
         919444                134986.5               6.875            6.875                0.25                0.25
         909136                254635.9               6.875            6.875                0.25                0.25
         912400               218597.16               6.375            6.375                0.25                0.25
         913574                94408.15               6.125            6.125                0.25                0.25
         909294               306615.52                6.25             6.25                0.25                0.25
         909345                93009.51               6.125            6.125                0.25                0.25
         909362                87414.95               6.125            6.125                0.25                0.25
         884274               109845.72                   6                6                0.25                0.25
         904836               215674.19                5.75             5.75                0.25                0.25
         920735                95926.96               7.375            7.375                0.25                0.25
         895517                43926.55               7.375            7.375                0.25                0.25
         930842               303393.23                   6                6                0.25                0.25
         914128                 86645.7               6.125            6.125                0.25                0.25
         899366               149707.67               6.125            6.125                0.25                0.25
         899117                 97911.4                 6.5              6.5                0.25                0.25
         875461               150143.92                5.75             5.75                0.25                0.25
         892234                54942.57                5.75             5.75                0.25                0.25
         874019               350049.76                   6                6                0.25                0.25
         836080                145874.3                6.75             6.75                0.25                0.25
         900507               267751.78               6.375            6.375                0.25                0.25
         916775               550974.76               6.375            6.375                0.25                0.25
         927293               184784.63               6.875            6.875                0.25                0.25
         924449               119880.54                   6                6                0.25                0.25
         915602               116789.08                6.25             6.25                0.25                0.25
         926157               123773.67               5.875            5.875                0.25                0.25
         890255                74341.96                7.25             7.25                0.25                0.25
         864317               649383.26                6.25             6.25                0.25                0.25
         914636               244750.21               5.875            5.875                0.25                0.25
         856643               299357.06               5.625            5.625                0.25                0.25
         922831               254733.77                5.75             5.75                0.25                0.25
         883304               233543.97               6.125            6.125                0.25                0.25
         926360               107103.09                 6.5              6.5                0.25                0.25
         906571               359307.75                6.25             6.25                0.25                0.25
         897033               375276.04                   6                6                0.25                0.25
         910966                45465.38               7.375            7.375                0.25                0.25
         906082               151762.68                 6.5              6.5                0.25                0.25
         874425               328640.03               5.625            5.625                0.25                0.25
         861766                92719.67               6.875            6.875                0.25                0.25
         913397               274719.62               5.875            5.875                0.25                0.25
         926381               223792.53               6.375            6.375                0.25                0.25
         914970                75826.23               6.125            6.125                0.25                0.25
         914058               519469.83               5.875            5.875                0.25                0.25
         877162               451516.79               5.625            5.625                0.25                0.25
         911026               247758.96               6.125            6.125                0.25                0.25
         877698               190205.88               5.875            5.875                0.25                0.25
         907013               199581.36                5.75             5.75                0.25                0.25
         863299                50454.35                 6.5              6.5                0.25                0.25
         931501               164678.44               6.125            6.125                0.25                0.25
         903844               149857.67                6.25             6.25                0.25                0.25
         905430               230676.05               6.375            6.375                0.25                0.25
         919895               135355.15               5.625            5.625                0.25                0.25
         899079               194796.41                5.75             5.75                0.25                0.25
         921113               149847.06               5.875            5.875                0.25                0.25
         925440               135667.57               6.375            6.375                0.25                0.25
         922642                65042.57               6.625            6.625                0.25                0.25
         924701                73715.04                 7.5              7.5                0.25                0.25
         734928               280989.51               6.375            6.375                0.25                0.25
         891699               444078.24                6.25             6.25                0.25                0.25
         926092                84735.56                   6                6                0.25                0.25
         894963               176590.22                 6.5              6.5                0.25                0.25
         909131               175665.15                6.25             6.25                0.25                0.25
         909973                489512.2                   6                6                0.25                0.25
         913074               114882.75               5.875            5.875                0.25                0.25
         914621               200482.36               5.875            5.875                0.25                0.25
         885528                288145.6                5.75             5.75                0.25                0.25
         889302                82615.69               5.875            5.875                0.25                0.25
         903005               283717.28                   6                6                0.25                0.25
         910147                300727.9                 6.5              6.5                0.25                0.25
         872394               159840.72                   6                6                0.25                0.25
         880109               359283.32               5.875            5.875                0.25                0.25
         909424               146867.11                 6.5              6.5                0.25                0.25
         916027               134615.86                   6                6                0.25                0.25
         927081                188164.6               5.875            5.875                0.25                0.25
         915672                71938.01                6.75             6.75                0.25                0.25
         867194                31478.33               7.875            7.875                0.25                0.25
         936171               254314.07               5.875            5.875                0.25                0.25
         890142                97203.14                   6                6                0.25                0.25
         905881               269468.36                5.75             5.75                0.25                0.25
         864731                31478.32               7.875            7.875                0.25                0.25
         938518                35965.02               6.125            6.125                0.25                0.25
         901424               308262.38                6.25             6.25                0.25                0.25
         928723               109887.85               5.875            5.875                0.25                0.25
         911935               473505.11                5.75             5.75                0.25                0.25
         915108                219775.7               5.875            5.875                0.25                0.25
         913996               171828.77                   6                6                0.25                0.25
         893650                431490.2                6.25             6.25                0.25                0.25
         913595               132870.73               6.125            6.125                0.25                0.25
         915073               202793.03               5.875            5.875                0.25                0.25
         893619                99785.68               5.625            5.625                0.25                0.25
         926224               165199.97                 6.5              6.5                0.25                0.25
         913519               133357.28               5.625            5.625                0.25                0.25
         886067                55187.31               6.375            6.375                0.25                0.25
         922900                59031.95                   6                6                0.25                0.25
         909218               234260.91               5.875            5.875                0.25                0.25
         926281               115889.94                6.25             6.25                0.25                0.25
         920319               167709.91                6.75             6.75                0.25                0.25
         875172               494483.19                5.75             5.75                0.25                0.25
         926184               249745.12               5.875            5.875                0.25                0.25
         920506               224529.05                5.75             5.75                0.25                0.25
         933098                89475.84                   6                6                0.25                0.25
         926274               120296.34                6.75             6.75                0.25                0.25
         902285               294899.03               5.875            5.875                0.25                0.25
         933650                81677.88               6.625            6.625                0.25                0.25
         917779               108389.38               5.875            5.875                0.25                0.25
         906440               261526.67                5.75             5.75                0.25                0.25
         935111                49612.07               6.625            6.625                0.25                0.25
         899279                89368.12                6.25             6.25                0.25                0.25
         913653                227885.5               6.125            6.125                0.25                0.25
         906341               159832.95               5.875            5.875                0.25                0.25
         932792               149850.67                   6                6                0.25                0.25
         885681               397903.49                   6                6                0.25                0.25
         875099                   81200               6.125            6.125                0.25                0.25
         912219               139876.48               6.625            6.625                0.25                0.25
         912155                90921.66                6.75             6.75                0.25                0.25
         897172               117091.45               6.375            6.375                0.25                0.25
         912813               509467.53                5.75             5.75                0.25                0.25
         917766                75871.93               6.875            6.875                0.25                0.25
         904251               169826.68               5.875            5.875                0.25                0.25
         852765               135673.58                 6.5              6.5                0.25                0.25
         929479               352061.53                5.75             5.75                0.25                0.25
         919922               258543.91                5.75             5.75                0.25                0.25
         878520                251736.7               6.125            6.125                0.25                0.25
         926930               349634.57                5.75             5.75                0.25                0.25
         916927                65403.81                7.75             7.75                0.25                0.25
         879337               254027.86               6.125            6.125                0.25                0.25
         925782               295719.15                6.25             6.25                0.25                0.25
         901026               191813.39               6.125            6.125                0.25                0.25
         915246                 60778.7               6.125            6.125                0.25                0.25
         881730                  462000               6.375            6.375                0.25                0.25
         902539               229771.03                   6                6                0.25                0.25
         902179               489435.16                6.25             6.25                0.25                0.25
         924626                48962.72               7.375            7.375                0.25                0.25
         923453               179816.48               5.875            5.875                0.25                0.25
         916373               157335.56                5.75             5.75                0.25                0.25
         935079                168593.7               6.375            6.375                0.25                0.25
         928191                64329.51                 5.5              5.5                0.25                0.25
         846004               461540.08                   6                6                0.25                0.25
         894130                  650000               6.375            6.375                0.25                0.25
         888597               194814.97                6.25             6.25                0.25                0.25
         925712               113877.65               6.125            6.125                0.25                0.25
         919390               389257.97                6.25             6.25                0.25                0.25
         911214                   48909               6.375            6.375                0.25                0.25
         888508               471904.01                   6                6                0.25                0.25
         848223                63696.44               6.875            6.875                0.25                0.25
         913862               212583.04               5.875            5.875                0.25                0.25
         904504               187642.31                6.25             6.25                0.25                0.25
         917709                244756.1                   6                6                0.25                0.25
         884230              1460973.06                5.75             5.75                0.25                0.25
         935722                74923.54               5.875            5.875                0.25                0.25
         930259                74817.37               5.875            5.875                0.25                0.25
         928309                   43205                 5.5              5.5                0.25                0.25
         893700               159832.95                5.75             5.75                0.25                0.25
         910962               147866.21                 6.5              6.5                0.25                0.25
         933706               244731.84                 5.5              5.5                0.25                0.25
         864057               410519.43               6.375            6.375                0.25                0.25
         926988                90809.53                5.75             5.75                0.25                0.25
         916572               156785.44               5.875            5.875                0.25                0.25
         940505                77377.02               6.375            6.375                0.25                0.25
         801938               206207.36                6.25             6.25                0.25                0.25
         920197               112605.21                6.75             6.75                0.25                0.25
         935667               139882.38               6.875            6.875                0.25                0.25
         911845               153769.29                5.75             5.75                0.25                0.25
         901004               136863.62                   6                6                0.25                0.25
         926614               111901.18               6.625            6.625                0.25                0.25
         905265                   74900               6.375            6.375                0.25                0.25
         920447               202793.03               5.875            5.875                0.25                0.25
         910996                72033.22               6.375            6.375                0.25                0.25
         931217                196299.3               6.375            6.375                0.25                0.25
         905996               136526.67                   6                6                0.25                0.25
         921433                90915.72               6.375            6.375                0.25                0.25
         937503                67950.78               7.625            7.625                0.25                0.25
         913773               110142.84               6.125            6.125                0.25                0.25
         925402               299099.57                   6                6                0.25                0.25
         927047               189819.71                6.25             6.25                0.25                0.25
         933936                149643.6                5.75             5.75                0.25                0.25
         921035               192303.74               5.875            5.875                0.25                0.25
         920669               404155.33               6.375            6.375                0.25                0.25
         904983               115282.35               5.875            5.875                0.25                0.25
         934849                92932.87                5.75             5.75                0.25                0.25
         937801               195599.36               5.875            5.875                0.25                0.25
         911988                38446.84               7.875            7.875                0.25                0.25
         920739               303718.34               6.375            6.375                0.25                0.25
         846822               814726.23                6.25             6.25                0.25                0.25
         885619               250162.41                6.25             6.25                0.25                0.25
         916339                150163.4                6.25             6.25                0.25                0.25
         936392                50422.91               7.375            7.375                0.25                0.25
         919861                74468.03                6.25             6.25                0.25                0.25
         808676               202161.68               5.875            5.875                0.25                0.25
         938399                34246.32                7.25             7.25                0.25                0.25
         913319                73428.57               6.125            6.125                0.25                0.25
         915471               187675.37                6.75             6.75                0.25                0.25
         926111                244756.1                   6                6                0.25                0.25
         910672                 83920.3                6.25             6.25                0.25                0.25
         937934               287427.02                6.25             6.25                0.25                0.25
         949025               162781.04                5.75             5.75                0.25                0.25
         913790               311681.27               5.875            5.875                0.25                0.25
         866564                 79924.1                6.25             6.25                0.25                0.25
         953956                79434.84                   7                7                0.25                0.25
         917694                104879.2                6.25             6.25                0.25                0.25
         929819               158717.34                5.75             5.75                0.25                0.25
         939170                75130.35               6.375            6.375                0.25                0.25
         947165                79931.12                6.75             6.75                0.25                0.25
         904029               199581.36                5.75             5.75                0.25                0.25
         873491               169822.51                5.75             5.75                0.25                0.25
         936339               308425.07                6.25             6.25                0.25                0.25
         856209               204795.92                   6                6                0.25                0.25
         891529               279707.67                5.75             5.75                0.25                0.25
         928775               150445.76                5.75             5.75                0.25                0.25
         931198               249738.99                5.75             5.75                0.25                0.25
         927094               165730.76               5.875            5.875                0.25                0.25
         923878               289005.04               5.875            5.875                0.25                0.25
         923336               230549.82               6.125            6.125                0.25                0.25
         931238               153354.35                6.25             6.25                0.25                0.25
         948731               255257.57                6.25             6.25                0.25                0.25
         939183               464614.34                6.25             6.25                0.25                0.25
         933570               187166.54               5.875            5.875                0.25                0.25
         896218               160294.44                6.25             6.25                0.25                0.25
         934391               119888.86               6.375            6.375                0.25                0.25
         930274                359274.5                5.75             5.75                0.25                0.25
         904254               203778.06               6.375            6.375                0.25                0.25
         934113                74261.81               6.375            6.375                0.25                0.25
         932610               151724.44                 6.5              6.5                0.25                0.25
         932153               499501.01                   6                6                0.25                0.25
         897386               137031.68               6.125            6.125                0.25                0.25
         934339               122378.05                   6                6                0.25                0.25
         919316               409161.94               5.875            5.875                0.25                0.25
         930788               208492.24                   6                6                0.25                0.25
         903928                79922.24               6.125            6.125                0.25                0.25
         930785               208492.24                   6                6                0.25                0.25
         930778               208492.24                   6                6                0.25                0.25
         930781                244756.1                   6                6                0.25                0.25
         937762               172727.88                   6                6                0.25                0.25
         932451                163844.4                6.25             6.25                0.25                0.25
         914923               171325.15               5.875            5.875                0.25                0.25
         920140                90823.63               6.875            6.875                0.25                0.25
         924386               157071.14                   7                7                0.25                0.25
         883828               251420.72                6.25             6.25                0.25                0.25
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      113952449                  600000               5.625            5.625                0.25               0.375
      113994000                  445000                 5.5              5.5                0.25               0.375
      114016836                  495200               6.125            6.125                0.25               0.375
      114141771                  680000               5.875            5.875                0.25               0.375
      114144919                  460000                   6                6                0.25               0.375
      114164432                  471045               6.375            6.375                0.25               0.375
      114171717                  408000                5.75             5.75                0.25               0.375
      114171918                  464000               6.125            6.125                0.25               0.375
      114174022                  535200               5.375            5.375                0.25               0.375
      114287465                  479200                5.75             5.75                0.25               0.375
      114332311                  612000                   6                6                0.25               0.375
      114354199                  440000               5.625            5.625                0.25               0.375
      114402433                  496000                5.75             5.75                0.25               0.375
      114452600                  398400                   6                6                0.25               0.375
      114492613                  400000                   6                6                0.25               0.375
      114562441                  537000                 5.5              5.5                0.25               0.375
      114571951                  444000               5.875            5.875                0.25               0.375
      114808434                  400000                   6                6                0.25               0.375
      114823484                  650000               5.875            5.875                0.25               0.375
      114827396                  378000               6.125            6.125                0.25               0.375
      114858639                  559920               5.875            5.875                0.25               0.375
      115015196                  770000                5.75             5.75                0.25               0.375
      115095642                  650000               6.125            6.125                0.25               0.375

loanid                   netrate            pmiflag           pandi                opandi               origdate
----------------------------------------------------------------------------------------------------------------------
         903506             7.1225          N                      442.03               442.03               7/8/2005
         849581             5.9975          N                      589.86               589.86              7/12/2005
         894850             5.6225          N                     2852.99              2852.99              7/12/2005
         916638             5.6225          N                      744.92               744.92              7/12/2005
         905936             5.4975          N                      756.31               756.31              7/12/2005
         900114             5.7475          N                     1618.79              1618.79              7/12/2005
         926418             5.9975          N                       948.2                948.2              7/12/2005
         885510             6.3725          N                     1506.01              1506.01              7/12/2005
         861964             5.8725          N                      665.94               665.94              7/12/2005
         897604             5.9975          N                     5172.02              5172.02               7/7/2005
         915549             6.6225          N                      567.91               567.91               7/8/2005
         887310             6.2475          N                     1052.39              1052.39              7/12/2005
         899786             5.9975          N                       474.1                474.1              7/12/2005
         903160             5.2475          N                      2039.5               2039.5               7/1/2005
         881179             6.1225          N                      434.53               434.53              7/12/2005
         870567             5.8725          N                     1701.31              1701.31               7/1/2005
         888062             5.9975          N                     1773.27              1773.27              7/12/2005
         911112             5.4975          N                     1683.61              1683.61               7/7/2005
         891241             5.2475          N                     1730.98              1730.98               7/8/2005
         897072             5.8725          N                     2567.15              2567.15               7/8/2005
         920825             5.7475          N                      893.33               893.33               7/7/2005
         918655             5.6225          N                     1177.16              1177.16               7/7/2005
         904226             5.7475          N                      827.38               827.38              7/13/2005
         911197             5.8725          N                     1230.41              1230.41               7/8/2005
         905190             6.2475          N                      632.07               632.07              7/11/2005
         905121             6.1225          N                       460.6                460.6              7/13/2005
         902829             5.4975          N                     1286.78              1286.78               7/7/2005
         887096             5.9975          N                     1127.99              1127.99               7/8/2005
         907408             5.9975          N                     1256.06              1256.06               7/8/2005
         885682             5.9975          N                      609.56               609.56              7/13/2005
         907988             6.1225          Y                     1548.45              1548.45               7/6/2005
         873196             5.6225          N                     1183.08              1183.08               7/7/2005
         905459             5.9975          N                      452.55               452.55              6/29/2005
         910445             5.8725          N                      628.54               628.54              7/13/2005
         861959             5.9975          N                     1336.72              1336.72               7/5/2005
         905736             5.6225          N                     2123.62              2123.62               7/7/2005
         917651             5.9975          N                     1573.16              1573.16               7/8/2005
         922168             6.6225          N                      489.41               489.41              7/14/2005
         886283             5.6225          N                       692.1                692.1              7/14/2005
         913550             5.4975          N                     1695.27              1695.27              7/11/2005
         901054             5.8725          N                     1615.82              1615.82              7/15/2005
         921611             6.4975          N                      473.48               473.48              7/13/2005
         916861             5.6225          N                      861.28               861.28              7/15/2005
         923390             5.6225          N                      778.46               778.46              7/11/2005
         905221             6.4975          N                     3242.99              3242.99              7/14/2005
         904719             5.9975          N                      448.24               448.24              7/15/2005
         910376             5.8725          N                      731.56               731.56              7/11/2005
         920459             5.3725          N                     1877.79              1877.79              7/15/2005
         889969             5.7475          N                      373.64               373.64              7/15/2005
         894006             5.6225          N                      1349.3               1349.3              7/11/2005
         912263             5.9975          N                      1034.4               1034.4               7/8/2005
         841883             5.6225          N                     2023.06              2023.06              7/15/2005
         889237             5.7475          N                      824.98               824.98               7/8/2005
         921219             5.9975          N                      911.26               911.26              7/11/2005
         918552             6.2475          N                     2344.97              2344.97              7/11/2005
         921255             5.4975          N                     1347.47              1347.47              7/15/2005
         891691             5.7475          N                      2134.4               2134.4              7/11/2005
         907767             5.9975          N                      219.81               219.81              7/15/2005
         930174             5.4975          N                      863.69               863.69              7/15/2005
         888454             5.7475          N                     1250.46              1250.46              7/11/2005
         910475             5.2475          N                     1391.08              1391.08              7/15/2005
         919246             5.8725          N                     1294.21              1294.21              7/15/2005
         919444             6.6225          N                      887.51               887.51              7/14/2005
         909136             6.6225          N                     1674.18              1674.18              7/15/2005
         912400             6.1225          N                     1366.28              1366.28              7/15/2005
         913574             5.8725          N                      574.19               574.19              7/13/2005
         909294             5.9975          N                     1891.48              1891.48               7/6/2005
         909345             5.8725          N                      565.69               565.69              7/15/2005
         909362             5.8725          N                      531.66               531.66              7/15/2005
         884274             5.7475          N                      659.51               659.51              7/11/2005
         904836             5.4975          N                     1259.93              1259.93              7/15/2005
         920735             7.1225          N                      663.04               663.04              7/18/2005
         895517             7.1225          N                      303.62               303.62              7/18/2005
         930842             5.7475          N                     1822.63              1822.63              7/13/2005
         914128             5.8725          N                      526.98               526.98              7/18/2005
         899366             5.8725          N                      911.42               911.42               7/7/2005
         899117             6.2475          N                      619.43               619.43              7/18/2005
         875461             5.4975          N                      878.28               878.28              7/13/2005
         892234             5.4975          N                      320.97               320.97              7/12/2005
         874019             5.7475          N                     2100.83              2100.83              7/13/2005
         836080             6.4975          N                      946.95               946.95              7/12/2005
         900507             6.1225          N                     1671.97              1671.97              7/12/2005
         916775             6.1225          N                     3443.76              3443.76              7/18/2005
         927293             6.6225          N                     1214.92              1214.92              7/18/2005
         924449             5.7475          N                      719.46               719.46              7/12/2005
         915602             5.9975          N                      719.77               719.77              7/18/2005
         926157             5.6225          N                      732.92               732.92              7/18/2005
         890255             6.9975          N                      507.54               507.54              7/19/2005
         864317             5.9975          N                     4002.16              4002.16              7/14/2005
         914636             5.6225          N                     1449.27              1449.27              7/13/2005
         856643             5.3725          N                     1726.97              1726.97              7/14/2005
         922831             5.4975          N                     1488.11              1488.11              7/11/2005
         883304             5.8725          N                     1421.81              1421.81              7/14/2005
         926360             6.2475          N                      677.58               677.58              7/18/2005
         906571             5.9975          N                     2214.43              2214.43              7/14/2005
         897033             5.7475          N                     2252.21              2252.21               7/7/2005
         910966             7.1225          N                      314.26               314.26              7/19/2005
         906082             6.2475          N                      960.11               960.11              7/12/2005
         874425             5.3725          N                     1893.91              1893.91              7/19/2005
         861766             6.6225          N                      609.63               609.63              7/14/2005
         913397             5.6225          N                     1626.73              1626.73              7/19/2005
         926381             6.1225          N                     1397.47              1397.47              7/14/2005
         914970             5.8725          N                      461.18               461.18              7/19/2005
         914058             5.6225          N                        3076                 3076              7/14/2005
         877162             5.3725          N                     2601.96              2601.96              7/13/2005
         911026             5.8725          N                     1506.87              1506.87              7/15/2005
         877698             5.6225          N                     1126.29              1126.29              7/20/2005
         907013             5.4975          N                     1167.15              1167.15              7/15/2005
         863299             6.2475          N                      319.19               319.19              7/15/2005
         931501             5.8725          N                     1002.56              1002.56              7/20/2005
         903844             5.9975          N                      923.58               923.58              7/15/2005
         905430             6.1225          N                     1441.14              1441.14              7/15/2005
         919895             5.3725          N                      780.01               780.01              7/15/2005
         899079             5.4975          N                     1137.97              1137.97              7/15/2005
         921113             5.6225          N                      887.31               887.31              7/19/2005
         925440             6.1225          N                      847.96               847.96              7/20/2005
         922642             6.3725          N                      416.84               416.84              7/15/2005
         924701             7.2475          N                      516.37               516.37              7/19/2005
         734928             6.1225          N                     1754.63              1754.63              7/20/2005
         891699             5.9975          N                     2736.86              2736.86              7/12/2005
         926092             5.7475          N                      508.54               508.54              7/20/2005
         894963             6.2475          N                     1117.18              1117.18              7/20/2005
         909131             5.9975          N                     1083.66              1083.66              7/15/2005
         909973             5.7475          N                      2937.8               2937.8              7/15/2005
         913074             5.6225          N                      680.27               680.27              7/13/2005
         914621             5.6225          N                     1188.36              1188.36              7/19/2005
         885528             5.4975          N                     1685.07              1685.07              7/22/2005
         889302             5.6225          N                       489.2                489.2              7/21/2005
         903005             5.7475          N                     1702.72              1702.72              7/18/2005
         910147             6.2475          N                     1902.52              1902.52              7/21/2005
         872394             5.7475          N                      959.28               959.28               7/8/2005
         880109             5.6225          N                     2127.47              2127.47              7/21/2005
         909424             6.2475          N                      929.14               929.14              7/15/2005
         916027             5.7475          N                      807.89               807.89              7/22/2005
         927081             5.6225          N                     1115.34              1115.34              7/22/2005
         915672             6.4975          N                      466.99               466.99              7/22/2005
         867194             7.6225          N                      228.39               228.39              7/22/2005
         936171             5.6225          N                      1509.6               1509.6              7/22/2005
         890142             5.7475          N                      583.36               583.36              7/22/2005
         905881             5.4975          N                     1574.19              1574.19              7/22/2005
         864731             7.6225          N                       228.4                228.4              7/22/2005
         938518             5.8725          Y                      218.73               218.73              7/22/2005
         901424             5.9975          N                     1901.64              1901.64              7/10/2005
         928723             5.6225          N                      650.69               650.69              7/19/2005
         911935             5.4975          N                     2766.14              2766.14              7/18/2005
         915108             5.6225          N                     1301.38              1301.38              7/18/2005
         913996             5.7475          N                     1031.23              1031.23              7/22/2005
         893650             5.9975          N                     2659.28              2659.28              7/18/2005
         913595             5.8725          N                      808.12               808.12              7/18/2005
         915073             5.6225          N                     1200.82              1200.82              7/18/2005
         893619             5.3725          N                      575.66               575.66              7/18/2005
         926224             6.2475          Y                     1046.07              1046.07              7/22/2005
         913519             5.3725          N                       768.5                768.5              7/22/2005
         886067             6.1225          Y                      344.94               344.94              7/22/2005
         922900             5.7475          N                      354.63               354.63              7/22/2005
         909218             5.6225          N                     1387.16              1387.16              7/18/2005
         926281             5.9975          N                      714.23               714.23              7/22/2005
         920319             6.4975          N                     1089.64              1089.64              7/22/2005
         875172             5.4975          N                     2888.69              2888.69              7/18/2005
         926184             5.6225          N                     1478.84              1478.84              7/22/2005
         920506             5.4975          N                     1313.04              1313.04              7/15/2005
         933098             5.7475          N                      536.99               536.99              7/22/2005
         926274             6.4975          N                      780.91               780.91              7/22/2005
         902285             5.6225          N                     1746.22              1746.22              7/19/2005
         933650             6.3725          N                      523.45               523.45              7/22/2005
         917779             5.6225          N                      641.82               641.82              7/19/2005
         906440             5.4975          N                     1527.79              1527.79              7/20/2005
         935111             6.3725          N                      318.23               318.23              7/25/2005
         899279             5.9975          N                      550.78               550.78              7/25/2005
         913653             5.8725          N                     1386.26              1386.26              7/20/2005
         906341             5.6225          N                      946.46               946.46              7/18/2005
         932792             5.7475          N                      899.33               899.33              7/19/2005
         885681             5.7475          N                     2388.01              2388.01              7/19/2005
         875099             5.8725          N                      493.38               493.38              7/20/2005
         912219             6.3725          N                      896.44               896.44              7/19/2005
         912155             6.4975          N                      590.22               590.22              7/25/2005
         897172             6.1225          N                      731.18               731.18              7/25/2005
         912813             5.4975          N                     2976.22              2976.22              7/21/2005
         917766             6.6225          N                      499.27               499.27              7/12/2005
         904251             5.6225          N                     1005.61              1005.61              7/20/2005
         852765             6.2475          N                      859.11               859.11              7/22/2005
         929479             5.4975          N                     2058.85              2058.85              7/19/2005
         919922             5.4975          N                     1511.45              1511.45              7/25/2005
         878520             5.8725          N                     1531.18              1531.18              7/25/2005
         926930             5.4975          N                     2042.51              2042.51              7/18/2005
         916927             7.4975          N                      468.89               468.89              7/25/2005
         879337             5.8725          N                        1545                 1545              7/26/2005
         925782             5.9975          N                     1822.52              1822.52              7/26/2005
         901026             5.8725          N                     1166.61              1166.61              7/15/2005
         915246             5.8725          N                      370.64               370.64               7/7/2005
         881730             6.1225          N                     2882.27              2882.27              7/15/2005
         902539             5.7475          N                     1378.97              1378.97              7/21/2005
         902179             5.9975          N                      3016.4               3016.4              7/26/2005
         924626             7.1225          N                      338.43               338.43              7/26/2005
         923453             5.6225          N                     1064.77              1064.77              7/21/2005
         916373             5.4975          N                      919.13               919.13              7/21/2005
         935079             6.1225          N                     1052.78              1052.78              7/19/2005
         928191             5.2475          N                      365.66               365.66              7/20/2005
         846004             5.7475          N                     2769.92              2769.92              7/26/2005
         894130             6.1225          N                     4055.15              4055.15              7/15/2005
         888597             5.9975          N                     1200.65              1200.65              7/12/2005
         925712             5.8725          N                      693.28               693.28              7/26/2005
         919390             5.9975          N                      2401.3               2401.3              7/26/2005
         911214             6.1225          N                      305.69               305.69              7/22/2005
         888508             5.7475          N                     2832.88              2832.88              7/22/2005
         848223             6.6225          N                      418.79               418.79              7/27/2005
         913862             5.6225          N                     1258.79              1258.79              7/21/2005
         904504             5.9975          N                     1157.55              1157.55              7/22/2005
         917709             5.7475          N                      1468.9               1468.9              7/27/2005
         884230             5.4975          N                     8534.75              8534.75              7/22/2005
         935722             5.6225          N                      443.65               443.65              7/27/2005
         930259             5.6225          N                      443.65               443.65              7/27/2005
         928309             5.2475          N                      245.86               245.86              7/27/2005
         893700             5.4975          N                      933.72               933.72              7/22/2005
         910962             6.2475          N                      935.46               935.46              7/22/2005
         933706             5.2475          N                     1391.08              1391.08              7/22/2005
         864057             6.1225          N                     2563.48              2563.48              7/22/2005
         926988             5.4975          N                      531.05               531.05              7/22/2005
         916572             5.6225          N                      931.67               931.67              7/22/2005
         940505             6.1225          N                      483.63               483.63              7/28/2005
         801938             5.9975          N                     1271.46              1271.46              7/27/2005
         920197             6.4975          N                      731.62               731.62              7/27/2005
         935667             6.6225          N                       919.7                919.7              7/22/2005
         911845             5.4975          N                      898.29               898.29              7/27/2005
         901004             5.7475          N                      821.38               821.38              7/27/2005
         926614             6.3725          N                      717.15               717.15              7/22/2005
         905265             6.1225          N                      467.28               467.28              7/25/2005
         920447             5.6225          N                     1200.82              1200.82              7/22/2005
         910996             6.1225          N                      449.81               449.81              7/22/2005
         931217             6.1225          N                     1227.15              1227.15              7/27/2005
         905996             5.7475          N                      820.19               820.19              7/13/2005
         921433             6.1225          N                      567.72               567.72              7/28/2005
         937503             7.3725          N                       481.3                481.3              7/28/2005
         913773             5.8725          N                      669.89               669.89              7/28/2005
         925402             5.7475          N                     1798.65              1798.65              7/22/2005
         927047             5.9975          N                     1169.86              1169.86              7/22/2005
         933936             5.4975          N                      874.19               874.19              7/22/2005
         921035             5.6225          N                     1138.71              1138.71              7/26/2005
         920669             6.1225          N                     2523.74              2523.74              7/28/2005
         904983             5.6225          N                      682.63               682.63              7/28/2005
         934849             5.4975          N                       542.9                542.9              7/28/2005
         937801             5.6225          N                     1159.41              1159.41              7/29/2005
         911988             7.6225          N                      279.15               279.15              7/28/2005
         920739             6.1225          N                     1896.56              1896.56              7/28/2005
         846822             5.9975          N                     5021.17              5021.17              7/28/2005
         885619             5.9975          N                     1541.76              1541.76              7/28/2005
         916339             5.9975          N                      926.65               926.65              7/26/2005
         936392             7.1225          N                      348.79               348.79              7/29/2005
         919861             5.9975          Y                      459.39               459.39              7/29/2005
         808676             5.6225          N                     1197.08              1197.08              7/29/2005
         938399             6.9975          N                      233.99               233.99              7/29/2005
         913319             5.8725          N                      446.59               446.59              7/29/2005
         915471             6.4975          N                     1219.36              1219.36              7/20/2005
         926111             5.7475          N                      1468.9               1468.9              7/25/2005
         910672             5.9975          N                       517.2                517.2              7/29/2005
         937934             5.9975          N                     1771.42              1771.42              7/29/2005
         949025             5.4975          N                      951.22               951.22              7/28/2005
         913790             5.6225          N                      1845.6               1845.6              7/25/2005
         866564             5.9975          N                      492.57               492.57              7/29/2005
         953956             6.7475          Y                      528.91               528.91              7/29/2005
         917694             5.9975          N                       646.5                646.5              7/25/2005
         929819             5.4975          N                      933.72               933.72              7/29/2005
         939170             6.1225          N                      469.15               469.15              7/29/2005
         947165             6.4975          N                      518.88               518.88              7/29/2005
         904029             5.4975          N                     1167.15              1167.15              7/28/2005
         873491             5.4975          N                      992.07               992.07              7/25/2005
         936339             5.9975          N                     1908.72              1908.72              7/25/2005
         856209             5.7475          N                     1229.08              1229.08              7/25/2005
         891529             5.4975          N                        1634                 1634              7/29/2005
         928775             5.4975          N                       881.2                881.2              7/29/2005
         931198             5.4975          N                     1458.93              1458.93              7/29/2005
         927094             5.6225          N                      981.95               981.95              7/25/2005
         923878             5.6225          N                     1711.32              1711.32              7/29/2005
         923336             5.8725          N                     1403.58              1403.58              7/25/2005
         931238             5.9975          N                      945.13               945.13              7/29/2005
         948731             5.9975          N                     1573.16              1573.16              7/29/2005
         939183             5.9975          N                     2866.16              2866.16              7/25/2005
         933570             5.6225          N                     1109.72              1109.72              7/29/2005
         896218             5.9975          N                      988.84               988.84              7/22/2005
         934391             6.1225          N                      748.64               748.64              7/29/2005
         930274             5.4975          N                     2098.82              2098.82              7/29/2005
         904254             6.1225          N                     1272.69              1272.69              7/29/2005
         934113             6.1225          N                      464.16               464.16              7/29/2005
         932610             6.2475          N                      960.74               960.74              7/29/2005
         932153             5.7475          N                     3000.75              3000.75              7/27/2005
         897386             5.8725          N                      833.43               833.43              7/29/2005
         934339             5.7475          N                      734.45               734.45              7/27/2005
         919316             5.6225          N                      2425.3               2425.3              7/25/2005
         930788             5.7475          N                     1251.26              1251.26              7/29/2005
         903928             5.8725          N                      486.09               486.09              7/29/2005
         930785             5.7475          N                     1251.26              1251.26              7/29/2005
         930778             5.7475          N                     1251.26              1251.26              7/29/2005
         930781             5.7475          N                      1468.9               1468.9              7/29/2005
         937762             5.7475          N                     1036.62              1036.62              7/22/2005
         932451             5.9975          N                     1009.77              1009.77              7/27/2005
         914923             5.6225          N                     1014.49              1014.49              7/29/2005
         920140             6.6225          N                      597.15               597.15              7/29/2005
         924386             6.7475          N                     1045.86              1045.86              7/29/2005
         883828             5.9975          N                     1550.99              1550.99              7/29/2005
         930341             6.2475          N                      774.28               774.28               8/1/2005
         946865             6.4975          N                     1078.29              1078.29              7/29/2005
         921380             5.6225          N                     1024.84              1024.84              7/29/2005
         900823             5.9975          N                     1099.06              1099.06              7/29/2005
         897029             7.4975          N                      300.89               300.89              7/29/2005
         892963             5.6225          N                      753.62               753.62              7/29/2005
         882252             5.7475          N                     1437.42              1437.42              7/29/2005
         900735             5.6225          N                     2070.38              2070.38              7/29/2005
         918004             5.3725          N                      451.31               451.31              7/28/2005
         938412             5.4975          N                       600.5                600.5              7/29/2005
         883039             5.6225          N                      808.04               808.04              7/22/2005
         936110             7.6225          N                      661.26               661.26              7/29/2005
         901349             5.8725          N                     2558.04              2558.04              7/25/2005
         920405             6.3725          N                     1165.37              1165.37              7/29/2005
         943945             6.9975          N                       501.4                501.4              7/28/2005
         926817             5.6225          N                     3223.88              3223.88              7/18/2005
         932052             6.2475          N                     1013.21              1013.21              7/29/2005
         932404             5.9975          N                     1565.46              1565.46              7/28/2005
         904340             5.9975          N                     2210.42              2210.42              7/29/2005
         920171             5.6225          N                     1200.82              1200.82              7/29/2005
         936153             5.6225          N                      774.32               774.32              7/29/2005
         920101             5.6225          N                     1210.88              1210.88              7/29/2005
         915367             6.2475          N                      595.03               595.03              7/28/2005
         900611             5.4975          N                     1122.79              1122.79              7/12/2005
         938247             7.6225          N                      580.06               580.06              7/29/2005
         935090             6.3725          N                     2113.03              2113.03              7/29/2005
         948195             5.8725          N                      557.18               557.18              7/29/2005
         925046             6.1225          N                      655.06               655.06              7/27/2005
         933691             7.3725          N                      549.81               549.81               8/1/2005
         866903             5.9975          N                     2635.27              2635.27               8/1/2005
         925137             6.3725          N                     3797.04              3797.04              7/19/2005
         902629             6.1225          N                      998.19               998.19              7/26/2005
         933546             6.2475          N                     1137.72              1137.72               8/1/2005
         923704             5.4975          N                      962.89               962.89               8/1/2005
         935572             5.6225          N                     2127.47              2127.47              7/26/2005
         924698             5.6225          N                      869.56               869.56              7/28/2005
         922738             5.4975          N                     1254.68              1254.68              7/26/2005
         934956             7.3725          N                      865.28               865.28              7/26/2005
         932240             6.2475          N                      706.33               706.33              7/22/2005
         924773             6.1225          N                      2773.1               2773.1               8/1/2005
         948737             6.4975          N                       437.8                437.8              7/29/2005
         948968             6.4975          N                      451.42               451.42              7/29/2005
         938874             6.4975          N                     1118.83              1118.83               8/1/2005
         922613             5.7475          N                     2152.39              2152.39              7/26/2005
         946518             5.6225          N                      385.09               385.09               8/1/2005
         898120             6.3725          N                     1536.75              1536.75              7/27/2005
         928340             6.4975          N                      441.05               441.05              7/26/2005
         915811             5.6225          N                     1511.38              1511.38              7/26/2005
         919178             5.4975          N                      1715.7               1715.7               8/1/2005
         940419             6.1225          N                      973.24               973.24               8/1/2005
         927528             6.2475          N                       733.2                733.2              7/26/2005
         901116             6.3725          N                      349.61               349.61               8/1/2005
         932095             5.6225          N                     1002.77              1002.77               8/2/2005
         903708             5.6225          N                     1283.64              1283.64              7/28/2005
         916813             5.9975          N                     2077.43              2077.43               8/2/2005
         922156             5.4975          N                     1750.72              1750.72               8/2/2005
         897698             5.7475          N                     1888.58              1888.58              7/12/2005
         921730             6.1225          N                      848.46               848.46              7/28/2005
         940599             5.8725          N                      741.28               741.28               8/2/2005
         935383             5.6225          N                     1425.61              1425.61              7/27/2005
         910898             5.9975          N                     2524.44              2524.44              7/25/2005
         877421             5.9975          N                     2844.61              2844.61               8/2/2005
         923450             5.8725          N                      598.19               598.19              7/28/2005
         927895             6.1225          N                      530.29               530.29              7/22/2005
         940534             5.9975          N                     1051.64              1051.64               8/1/2005
         927137             6.7475          N                      673.62               673.62               8/2/2005
         944637             5.2475          N                     1033.38              1033.38               8/2/2005
         934894             5.6225          N                      691.51               691.51               8/1/2005
         888446             5.7475          N                      5995.5               5995.5               8/3/2005
         941754             6.2475          N                     1542.25              1542.25              7/29/2005
         942181             6.1225          N                      910.85               910.85               8/3/2005
         913934             5.8725          N                      1397.5               1397.5              7/29/2005
         922617             5.4975          N                     2098.82              2098.82              7/29/2005
         884468             6.2475          N                      644.71               644.71              7/27/2005
         933290             5.8725          N                      221.17               221.17               8/3/2005
         948598             6.4975          N                     1323.14              1323.14              7/29/2005
         900637             5.8725          N                     1367.12              1367.12              7/26/2005
         937165             5.6225          N                      600.41               600.41               8/3/2005
         940528             5.9975          N                     1711.69              1711.69               8/3/2005
         924018             5.9975          N                     1551.61              1551.61              7/29/2005
         900500             5.7475          N                      1199.1               1199.1               8/3/2005
         937145             6.1225          N                      589.56               589.56               8/4/2005
         913440             5.6225          N                     5028.07              5028.07               8/4/2005
         937232             6.1225          N                      349.37               349.37               8/4/2005
         793879             6.1225          N                      728.25               728.25               8/4/2005
         940246             5.9975          N                      797.35               797.35               8/1/2005
         940410             5.9975          N                       818.9                818.9               8/1/2005
         884239             5.4975          N                     1000.83              1000.83               8/4/2005
         948803             5.6225          N                      742.38               742.38               8/1/2005
         955459             6.4975          N                     2148.16              2148.16               8/4/2005
         882337             5.9975          N                     2370.51              2370.51               8/4/2005
         947429             6.7475          N                     1010.73              1010.73               8/4/2005
         941658             6.1225          N                      973.24               973.24               8/5/2005
         931430             6.4975          N                      908.04               908.04               8/1/2005
         937413             6.7475          N                      441.76               441.76               8/5/2005
         922183             6.4975          N                      285.38               285.38               8/5/2005
         922187             6.3725          N                      358.57               358.57               8/5/2005
         922192             5.9975          N                      350.95               350.95               8/5/2005
         954848             6.1225          N                     1781.77              1781.77               8/2/2005
         915014             5.4975          N                     1120.46              1120.46               8/1/2005
         935583             6.2475          N                      815.37               815.37               8/5/2005
         926099             6.4975          N                     1049.43              1049.43               8/1/2005
         942479             5.6225          N                     1585.32              1585.32              7/28/2005
         917123             5.4975          N                     2859.51              2859.51               8/3/2005
         884423             6.2475          N                      429.81               429.81              7/27/2005
         884303             6.2475          N                      556.22               556.22              7/27/2005
         952277             5.9975          N                     1008.54              1008.54              7/29/2005
         920986             5.8725          N                     1555.48              1555.48               8/1/2005
         934980             6.2475          N                      782.18               782.18               8/5/2005
         890830             5.6225          N                     1480.89              1480.89              7/21/2005
         943865             5.9975          N                      715.77               715.77               8/5/2005
         918575             5.4975          N                     2616.44              2616.44               8/5/2005
         949826             6.3725          N                      633.26               633.26               8/5/2005
         915081             5.6225          N                     1987.57              1987.57               8/1/2005
         912281             5.9975          N                       493.5                493.5               8/8/2005
         930101             6.2475          N                      388.91               388.91               8/5/2005
         937977             5.6225          N                      902.69               902.69               8/3/2005
         942546             5.6225          N                     1547.46              1547.46               8/3/2005
         946218             6.1225          N                       499.1                499.1               8/3/2005
         913614             5.6225          N                      896.27               896.27               8/3/2005
         903425             6.6225          N                     4729.89              4729.89              7/27/2005
         932038             5.7475          N                      1199.1               1199.1               8/3/2005
         932310             5.8725          N                      730.65               730.65               8/2/2005
         927535             5.2475          N                     1915.72              1915.72               8/3/2005
         930612             6.1225          N                      679.08               679.08               8/8/2005
         944307             5.6225          N                     1183.08              1183.08               8/4/2005
         873896             5.7475          N                     2476.14              2476.14              7/20/2005
         948787             6.2475          N                      685.35               685.35               8/8/2005
         903290             5.7475          N                      1603.2               1603.2               8/8/2005
         926868             6.2475          Y                      657.35               657.35               8/2/2005
         907806             5.6225          N                     1639.33              1639.33               8/8/2005
         910093             5.7475          N                     2156.28              2156.28               8/4/2005
         948169             5.6225          N                      550.13               550.13               8/3/2005
         922961             5.4975          N                      1371.4               1371.4               8/2/2005
         938694             5.3725          N                     1208.88              1208.88               8/8/2005
         910909             6.6225          N                     3074.43              3074.43               8/2/2005
         941049             6.2475          N                     1668.66              1668.66               8/3/2005
         936639             5.6225          N                     1797.09              1797.09               8/8/2005
         939693             6.4975          N                      481.26               481.26               8/3/2005
         934203             6.4975          N                      330.79               330.79               8/4/2005
         910453             6.4975          N                     1026.86              1026.86               8/4/2005
         939829             6.1225          N                      262.03               262.03               8/9/2005
         916107             5.9975          N                      568.92               568.92               8/2/2005
         941648             5.8725          N                     2126.64              2126.64               8/4/2005
         929280             5.4975          N                     1295.53              1295.53               8/4/2005
         907912             5.6225          N                     1118.01              1118.01               8/9/2005
         943933             5.6225          N                      315.17               315.17               8/9/2005
         928270             5.6225          N                     2868.96              2868.96               8/9/2005
         931414             5.6225          N                     1677.01              1677.01               8/9/2005
         921262             6.1225          N                     1659.49              1659.49               8/4/2005
         949885             6.1225          N                      541.52               541.52               8/9/2005
         949377             6.1225          N                     1147.92              1147.92               8/4/2005
         929810             5.9975          N                     3340.27              3340.27               8/9/2005
         897307             5.9975          N                     4956.52              4956.52               8/4/2005
         947931             6.7475          N                     1460.01              1460.01               8/8/2005
         937578             5.6225          N                     4022.46              4022.46               8/4/2005
         931616             5.6225          N                      4732.3               4732.3               8/8/2005
         917534             5.6225          N                      520.55               520.55              8/10/2005
         915307             6.2475          N                     1017.63              1017.63               8/3/2005
         957822             5.7475          N                      619.03               619.03              8/10/2005
         940791             5.6225          N                        1538                 1538               8/5/2005
         818321             5.9975          N                     3017.01              3017.01              8/10/2005
         943430             5.6225          N                     1567.57              1567.57               8/4/2005
         934800             5.7475          N                      692.06               692.06              8/10/2005
         949263             5.6225          N                      641.82               641.82              8/10/2005
         955056             5.4975          N                     1493.95              1493.95               8/5/2005
         912530             5.8725          N                     1731.69              1731.69               8/2/2005
         943715             5.6225          N                      414.08               414.08              8/11/2005
         949722             5.9975          N                      635.72               635.72              8/10/2005
         928921             5.4975          N                        1620                 1620               8/5/2005
         927129             5.4975          N                      992.07               992.07               8/5/2005
         922515             5.6225          N                      457.14               457.14              8/11/2005
         944077             5.6225          N                      703.93               703.93               8/3/2005
         926822             6.2475          N                      796.41               796.41               8/5/2005
         940858             6.1225          N                     1454.24              1454.24              8/11/2005
         901660             6.1225          N                     1796.75              1796.75              8/11/2005
         944760             6.2475          N                     1360.53              1360.53              8/11/2005
         941535             5.6225          N                     1138.71              1138.71               8/5/2005
         933574             6.1225          N                      779.84               779.84              8/11/2005
         944159             5.7475          N                     1390.96              1390.96               8/4/2005
         927456             6.6225          N                      482.84               482.84              8/11/2005
         949632             6.2475          N                      387.14               387.14              8/12/2005
         917259             5.8725          N                     5316.59              5316.59               8/8/2005
         912251             5.7475          N                     1195.68              1195.68              8/12/2005
         946988             5.8725          N                       894.4                894.4               8/4/2005
         943841             5.7475          N                     2156.28              2156.28              8/10/2005
         887104             5.9975          N                      267.79               267.79               7/7/2005
         887098             5.9975          N                      270.83               270.83               7/7/2005
         887105             5.9975          N                      270.83               270.83               7/7/2005
         887106             5.9975          N                      270.83               270.83               7/7/2005
         887109             5.9975          N                      270.83               270.83               7/7/2005
         888559             5.8725          N                     1205.86              1205.86               7/8/2005
         895205             7.2475          N                        1850                 1850              7/12/2005
         889418             6.2475          N                         455                  455              7/11/2005
         889412             6.2475          N                      463.13               463.13              7/11/2005
         879994             5.7475          N                      794.45               794.45               7/7/2005
         899619             6.4975          N                     1085.63              1085.63              7/12/2005
         896373             5.9975          N                     1822.92              1822.92               7/7/2005
         893506             5.9975          N                      656.59               656.59              7/12/2005
         813365             7.6225          N                      246.09               246.09              7/12/2005
         813314             7.6225          Y                      334.69               334.69              7/12/2005
         830135             7.6225          Y                      329.11               329.11              7/12/2005
         890264             5.7475          N                        1225                 1225              7/12/2005
         883525             5.4975          N                        1265                 1265               7/6/2005
         896164             5.8725          N                     3685.21              3685.21               7/5/2005
         880784             5.4975          N                     1677.08              1677.08               7/1/2005
         906840             5.9975          N                     1389.06              1389.06              7/12/2005
         885080             5.6225          N                      1024.7               1024.7               7/6/2005
         918210             6.3725          N                      892.72               892.72              7/12/2005
         892437             5.8725          N                      581.88               581.88              7/12/2005
         902393             5.4975          N                      709.17               709.17              7/13/2005
         904691             5.7475          N                         980                  980              7/11/2005
         913721             5.9975          N                     6692.71              6692.71               7/8/2005
         909321             5.7475          N                         297                  297               7/7/2005
         896366             5.6225          N                      942.17               942.17              7/13/2005
         908639             5.8725          N                      768.18               768.18              7/14/2005
         892131             6.4975          N                     1321.87              1321.87              7/14/2005
         879274             5.9975          N                      692.71               692.71              7/13/2005
         906324             5.6225          N                      565.47               565.47              7/13/2005
         922159             5.2475          N                      358.96               358.96              7/13/2005
         894523             5.7475          N                         280                  280               7/6/2005
         892127             5.9975          N                     3450.07              3450.07               7/7/2005
         906202             5.4975          N                     1091.35              1091.35               7/8/2005
         911253             5.8725          N                     1919.17              1919.17              7/13/2005
         905536             5.7475          N                        1100                 1100               7/7/2005
         907633             5.9975          N                      692.55               692.55               7/8/2005
         850389             6.4975          N                      535.78               535.78              7/13/2005
         880768             6.6225          N                     2056.77              2056.77               7/6/2005
         850402             6.4975          N                      590.62               590.62              7/13/2005
         895395             5.4975          N                      717.79               717.79               7/5/2005
         891296             6.1225          N                      318.75               318.75              7/14/2005
         911619             5.4975          N                      486.35               486.35              7/15/2005
         905586             6.2475          N                         936                  936              7/14/2005
         885875             5.4975          N                     1326.33              1326.33              7/12/2005
         888355             5.8725          N                      792.68               792.68              7/14/2005
         866138             6.1225          N                      576.41               576.41              7/14/2005
         900019             5.7475          N                      647.38               647.38              7/13/2005
         867054             5.4975          N                     1710.29              1710.29              7/14/2005
         911186             6.6225          N                      973.67               973.67              7/14/2005
         924738             6.1225          N                      821.84               821.84              7/15/2005
         910112             6.1225          N                       977.5                977.5               7/7/2005
         887530             6.3725          N                      656.98               656.98              7/11/2005
         914996             5.9975          N                     1239.58              1239.58              7/15/2005
         889262             5.9975          N                     2395.83              2395.83               7/5/2005
         913362             6.4975          N                      632.39               632.39              7/14/2005
         913573             5.7475          N                       473.2                473.2              7/14/2005
         908461             6.2475          N                      2975.1               2975.1               7/8/2005
         847702             5.8725          N                      625.26               625.26              7/15/2005
         903894             6.6225          Y                      438.28               438.28              7/13/2005
         893798             5.9975          N                     1039.06              1039.06               7/7/2005
         917241             5.6225          N                      781.33               781.33              7/13/2005
         870168             5.9975          N                     1276.04              1276.04              7/15/2005
         875629             5.7475          N                     1518.75              1518.75              7/15/2005
         865796             5.6225          N                     1713.54              1713.54              7/11/2005
         903951             5.6225          N                     1067.12              1067.12               7/8/2005
         909261             5.6225          N                     1329.71              1329.71               7/8/2005
         892075             5.4975          N                     1115.64              1115.64              7/15/2005
         887117             5.9975          N                     1692.71              1692.71              7/11/2005
         903222             5.7475          N                       542.5                542.5              7/15/2005
         902735             6.1225          N                     2415.91              2415.91              7/11/2005
         931900             7.6225          N                      740.25               740.25              7/15/2005
         902076             5.9975          N                      765.62               765.62              7/15/2005
         889471             7.4975          N                      594.16               594.16              7/14/2005
         861620             6.1225          N                      828.33               828.33              7/15/2005
         885329             5.6225          N                      685.42               685.42              7/12/2005
         885326             5.6225          N                     1370.83              1370.83              7/15/2005
         918913             5.3725          N                      836.72               836.72              7/15/2005
         908351             6.6225          N                      566.35               566.35              7/15/2005
         825255             6.2475          N                     6658.17              6658.17              7/11/2005
         910115             5.9975          N                      353.65               353.65              7/11/2005
         901982             5.4975          N                     2659.38              2659.38              7/14/2005
         925854             5.7475          N                     1631.25              1631.25               7/9/2005
         895792             6.4975          N                         900                  900              7/12/2005
         854856             5.7475          N                     1552.75              1552.75               7/1/2005
         894103             5.9975          N                      2062.5               2062.5              7/15/2005
         928954             5.9975          N                      827.08               827.08              7/15/2005
         900585             5.9975          N                     1458.33              1458.33              7/15/2005
         910825             5.9975          N                      452.08               452.08              7/12/2005
         901501             5.9975          N                     3382.22              3382.22              7/12/2005
         906566             5.9975          N                     1510.42              1510.42              7/18/2005
         901540             5.4975          N                      949.95               949.95              7/13/2005
         829489             5.9975          N                     2442.19              2442.19              7/18/2005
         901461             5.8725          N                        2695                 2695              7/11/2005
         899222             5.9975          N                     2041.67              2041.67              7/13/2005
         902383             5.9975          N                      919.27               919.27               7/5/2005
         898304             5.3725          N                     1164.84              1164.84              7/18/2005
         915058             5.6225          N                       531.2                531.2              7/18/2005
         878678             5.4975          N                      718.75               718.75               7/8/2005
         896203             5.8725          N                     1561.88              1561.88               7/8/2005
         885024             6.1225          N                      365.97               365.97              7/18/2005
         856183             6.1225          N                     3904.69              3904.69              7/12/2005
         926795             6.3725          Y                      293.29               293.29              7/18/2005
         901752             6.3725          N                      1178.7               1178.7              7/18/2005
         892150             5.8725          N                      625.26               625.26              7/18/2005
         890459             5.6225          N                      383.83               383.83              7/18/2005
         906199             5.6225          N                      856.77               856.77               7/8/2005
         899675             5.8725          N                     1643.54              1643.54               7/8/2005
         906264             6.2475          N                        2652                 2652              7/12/2005
         887458             5.8725          N                     2041.67              2041.67              7/18/2005
         909018             5.6225          N                     1816.35              1816.35              7/13/2005
         928500             6.9975          N                      550.93               550.93              7/18/2005
         919532             6.2475          N                      368.33               368.33              7/19/2005
         939627             5.7475          N                     1082.42              1082.42              7/19/2005
         887828             5.4975          N                      776.25               776.25              7/14/2005
         908942             5.6225          N                     1958.33              1958.33              7/14/2005
         917752             5.4975          N                     1291.35              1291.35              7/13/2005
         916575             5.6225          N                      836.21               836.21              7/19/2005
         925754             6.6225          N                      701.81               701.81              7/19/2005
         891019             5.7475          N                       399.5                399.5              7/19/2005
         918563             6.6225          N                      334.58               334.58              7/19/2005
         918615             6.6225          N                         330                  330              7/19/2005
         903921             5.7475          N                      449.75               449.75              7/19/2005
         887464             5.3725          N                     1389.84              1389.84              7/14/2005
         922877             5.6225          N                     1285.16              1285.16              7/14/2005
         904220             6.1225          N                      715.47               715.47              7/19/2005
         912708             6.2475          N                      834.01               834.01              7/14/2005
         875987             6.2475          N                         520                  520              7/19/2005
         883836             5.9975          N                      814.84               814.84              7/19/2005
         920566             6.6225          N                      701.82               701.82              7/19/2005
         911595             5.7475          N                      1487.5               1487.5              7/20/2005
         917484             6.1225          N                      702.84               702.84              7/20/2005
         932452             5.7475          N                      355.25               355.25              7/20/2005
         895945             5.4975          N                         920                  920              7/15/2005
         893879             5.7475          N                         785                  785              7/15/2005
         897760             6.4975          N                     1782.42              1782.42              7/20/2005
         913224             5.9975          N                     1277.86              1277.86              7/20/2005
         913316             5.6225          N                     4746.51              4746.51              7/20/2005
         848735             5.3725          N                      272.72               272.72              7/15/2005
         848708             5.3725          N                      248.17               248.17              7/15/2005
         848688             5.9975          N                      249.73               249.73              7/15/2005
         848626             5.3725          N                      252.91               252.91              7/15/2005
         848748             5.3725          N                      333.04               333.04              7/15/2005
         848696             5.9975          N                      245.56               245.56              7/15/2005
         848720             5.3725          N                      427.76               427.76              7/15/2005
         848658             5.8725          N                      223.96               223.96              7/15/2005
         848743             5.3725          N                      265.78               265.78              7/15/2005
         848729             5.3725          N                      318.45               318.45              7/15/2005
         912763             5.8725          N                      964.69               964.69              7/20/2005
         892890             6.1225          N                     1410.58              1410.58              7/20/2005
         921758             5.8725          N                      796.25               796.25              7/20/2005
         875571             5.9975          N                       763.8                763.8              7/11/2005
         900917             6.1225          N                        1020                 1020              7/15/2005
         906164             5.3725          N                     2192.58              2192.58              7/12/2005
         851017             6.6225          Y                      1353.8               1353.8              7/20/2005
         890572             5.4975          N                     1339.44              1339.44               7/8/2005
         925874             5.9975          N                      604.17               604.17              7/18/2005
         895089             5.4975          N                     1140.42              1140.42              7/13/2005
         935468             6.1225          N                      660.08               660.08              7/20/2005
         898650             5.6225          N                     1654.79              1654.79              7/15/2005
         913534             5.3725          N                      468.75               468.75              7/15/2005
         906192             5.4975          N                      398.19               398.19              7/19/2005
         917999             5.7475          N                       668.5                668.5              7/22/2005
         912665             5.9975          N                      455.73               455.73              7/21/2005
         924810             5.9975          N                      642.97               642.97              7/22/2005
         919337             5.3725          N                     1122.19              1122.19              7/16/2005
         919761             5.3725          N                      853.13               853.13              7/19/2005
         917539             6.2475          N                        1040                 1040              7/22/2005
         899496             6.2475          N                     1825.42              1825.42              7/13/2005
         896206             4.8725          N                      759.56               759.56              7/14/2005
         925187             6.1225          N                      911.08               911.08              7/21/2005
         922845             6.3725          N                     1066.62              1066.62              7/21/2005
         927984             6.2475          N                     2556.35              2556.35              7/18/2005
         890117             6.1225          N                      557.76               557.76              7/21/2005
         907127             5.9975          N                     2509.86              2509.86              7/22/2005
         870159             5.9975          N                      481.25               481.25              7/21/2005
         876900             5.9975          N                      401.04               401.04              7/21/2005
         876904             5.9975          N                      346.35               346.35              7/21/2005
         856793             6.3725          N                       251.2                251.2              7/21/2005
         872976             5.8725          N                      2572.5               2572.5              7/18/2005
         934154             5.6225          N                     2661.37              2661.37              7/19/2005
         912419             6.4975          N                      602.44               602.44              7/22/2005
         908782             5.4975          N                     1088.84              1088.84              7/15/2005
         933418             7.6225          N                      310.07               310.07              7/21/2005
         918978             5.4975          N                      814.58               814.58              7/15/2005
         921118             5.9975          N                     1056.35              1056.35              7/22/2005
         898868             5.4975          N                      1529.5               1529.5              7/22/2005
         902475             5.6225          N                      411.25               411.25              7/18/2005
         917375             5.7475          N                         385                  385              7/22/2005
         917461             5.7475          N                         385                  385              7/22/2005
         920461             5.9975          N                      743.75               743.75              7/21/2005
         840267             6.8725          N                      349.13               349.13              7/22/2005
         908650             5.7475          N                        2640                 2640              7/22/2005
         906555             5.9975          N                     1739.58              1739.58              7/18/2005
         910044             5.7475          N                      1337.5               1337.5              7/11/2005
         919395             5.7475          N                      1242.5               1242.5              7/18/2005
         906245             5.4975          N                      764.75               764.75              7/18/2005
         927987             6.2475          N                      284.87               284.87              7/22/2005
         928595             5.3725          N                      590.63               590.63              7/13/2005
         900039             5.7475          N                         763                  763              7/18/2005
         917813             5.6225          N                      647.55               647.55              7/19/2005
         915596             5.3725          N                     1174.69              1174.69              7/22/2005
         906010             5.8725          N                     1346.99              1346.99              7/22/2005
         892608             5.8725          N                     2140.18              2140.18              7/14/2005
         937487             5.9975          N                     1020.83              1020.83              7/20/2005
         920056             6.1225          N                      690.63               690.63              7/22/2005
         903247             5.8725          N                     3233.49              3233.49              7/21/2005
         928003             6.6225          N                     1275.31              1275.31              7/22/2005
         913527             5.7475          N                        1600                 1600              7/22/2005
         928060             5.7475          N                      676.21               676.21              7/22/2005
         926014             5.4975          N                     1693.85              1693.85              7/22/2005
         929206             6.1225          N                      536.14               536.14              7/22/2005
         902806             5.6225          N                      642.58               642.58              7/21/2005
         927595             5.3725          N                     1033.59              1033.59              7/20/2005
         929210             6.1225          N                     1110.05              1110.05              7/25/2005
         916610             5.7475          N                     1355.25              1355.25               7/7/2005
         920686             5.8725          N                     1531.25              1531.25              7/18/2005
         869035             7.3725          N                     3097.66              3097.66              7/22/2005
         901725             5.7475          N                        2275                 2275              7/22/2005
         900892             5.6225          N                     1018.33              1018.33              7/23/2005
         909955             5.7475          N                        2125                 2125              7/14/2005
         772144             5.7475          N                     1798.25              1798.25              7/25/2005
         920649             5.7475          N                       514.5                514.5              7/25/2005
         926340             6.8725          N                      852.03               852.03              7/25/2005
         793814             6.1225          N                         765                  765              7/19/2005
         911932             6.1225          N                       892.5                892.5              7/20/2005
         758739             5.9975          N                      579.76               579.76              7/26/2005
         910875             5.4975          N                       768.1                768.1              7/19/2005
         920004             5.8725          N                     1531.25              1531.25              7/18/2005
         899492             6.1225          N                     1125.83              1125.83              7/25/2005
         925385             5.4975          N                     1029.39              1029.39              7/25/2005
         859356             5.9975          N                     1873.18              1873.18              7/25/2005
         929722             6.4975          N                     2279.81              2279.81              7/25/2005
         866666             6.1225          N                       773.5                773.5              7/22/2005
         902772             6.3725          N                     2263.54              2263.54              7/20/2005
         939062             6.6225          N                      664.58               664.58              7/25/2005
         893903             6.1225          N                     3805.08              3805.08              7/18/2005
         911962             5.9975          N                     1221.35              1221.35              7/25/2005
         898504             6.8725          N                     1001.66              1001.66              7/25/2005
         907624             5.4975          N                      646.88               646.88              7/20/2005
         928859             6.1225          N                      520.25               520.25              7/22/2005
         911536             5.9975          N                     1276.04              1276.04              7/25/2005
         924921             5.9975          N                     1311.98              1311.98              7/16/2005
         925584             6.1225          Y                      621.56               621.56              7/19/2005
         886464             6.2475          N                         650                  650              7/19/2005
         914690             5.3725          N                     1410.94              1410.94              7/19/2005
         916293             6.2475          N                      758.33               758.33              7/22/2005
         912012             5.9975          N                      736.46               736.46              7/25/2005
         911693             5.7475          N                        1400                 1400              7/25/2005
         918368             5.9975          N                      922.71               922.71               7/8/2005
         848467             5.6225          N                       667.6                667.6              7/20/2005
         891499             5.8725          N                     2111.08              2111.08              7/21/2005
         925481             5.9975          N                      395.83               395.83              7/14/2005
         923865             6.4975          N                        1890                 1890              7/26/2005
         777986             5.8725          N                      634.96               634.96              7/27/2005
         920017             5.6225          N                     1312.08              1312.08              7/20/2005
         923637             5.9975          N                        1625                 1625              7/18/2005
         899216             5.8725          N                     1531.25              1531.25              7/19/2005
         896163             5.6225          N                      758.85               758.85              7/15/2005
         914593             6.2475          N                         975                  975              7/21/2005
         914741             5.9975          N                     1223.96              1223.96              7/21/2005
         938047             5.6225          N                      969.52               969.52              7/26/2005
         941918             5.9975          N                      663.54               663.54              7/26/2005
         903473             6.1225          N                      639.63               639.63              7/27/2005
         926556             5.8725          N                      615.05               615.05              7/22/2005
         917192             6.1225          N                     1130.13              1130.13              7/21/2005
         833274             6.1225          N                      803.25               803.25              7/26/2005
         922675             5.6225          N                        1034                 1034              7/21/2005
         906289             6.2475          N                       680.6                680.6              7/21/2005
         938489             5.9975          N                      488.18               488.18              7/26/2005
         912880             6.4975          N                      748.13               748.13              7/21/2005
         921375             6.1225          N                     1630.67              1630.67              7/20/2005
         919458             5.6225          N                     1319.43              1319.43              7/26/2005
         901733             5.9975          N                      587.34               587.34              7/26/2005
         877886             5.3725          N                        2475                 2475              7/26/2005
         897788             5.9975          N                     7382.81              7382.81              7/15/2005
         901517             5.4975          N                      831.35               831.35              7/22/2005
         944804             5.7475          N                      798.25               798.25              7/23/2005
         907571             5.9975          N                      865.89               865.89              7/27/2005
         928399             5.6225          N                     1229.83              1229.83              7/28/2005
         932474             5.6225          N                      489.58               489.58              7/22/2005
         917014             5.1225          N                      761.46               761.46              7/22/2005
         899082             5.2475          N                      998.02               998.02              7/22/2005
         940293             6.1225          N                      587.56               587.56              7/28/2005
         917557             5.7475          N                      1837.5               1837.5              7/27/2005
         947095             5.9975          N                      893.23               893.23              7/27/2005
         902469             5.3725          N                      902.34               902.34              7/22/2005
         940643             5.6225          N                      1649.9               1649.9              7/27/2005
         934040             6.1225          N                      775.36               775.36              7/20/2005
         875502             5.9975          N                     2179.79              2179.79               7/2/2005
         923601             5.7475          N                         833                  833              7/27/2005
         918200             5.8725          N                      763.03               763.03              7/28/2005
         928137             6.2475          N                      473.96               473.96              7/27/2005
         923451             6.1225          N                      690.74               690.74              7/27/2005
         911847             5.4975          N                     1859.17              1859.17              7/19/2005
         870830             5.4975          N                       701.5                701.5              7/28/2005
         922905             5.6225          N                     2261.87              2261.87              7/21/2005
         880788             5.6225          N                     2981.56              2981.56              7/25/2005
         907307             6.4975          N                      807.19               807.19              7/27/2005
         911007             6.1225          N                      494.59               494.59              7/27/2005
         918247             5.7475          N                      1312.5               1312.5              7/22/2005
         932680             6.4975          N                      803.25               803.25              7/27/2005
         849572             5.9975          N                      321.67               321.67              7/27/2005
         908103             5.9975          N                      523.17               523.17              7/27/2005
         920003             6.6225          N                      485.55               485.55              7/27/2005
         917369             6.3725          N                     1819.67              1819.67              7/27/2005
         928557             6.9975          N                      550.93               550.93              7/27/2005
         897444             5.4975          N                     1272.92              1272.92              7/21/2005
         905113             5.6225          N                      782.96               782.96              7/21/2005
         912087             5.8725          N                     1612.92              1612.92              7/25/2005
         902642             6.1225          N                      557.81               557.81              7/28/2005
         938982             6.2475          N                      788.66               788.66              7/22/2005
         919747             6.1225          N                     1338.72              1338.72              7/20/2005
         911868             6.6225          N                     5729.17              5729.17              7/29/2005
         932627             6.3725          N                      281.73               281.73              7/28/2005
         919265             5.8725          N                     2159.06              2159.06              7/28/2005
         887600             6.4975          N                      1507.5               1507.5              7/28/2005
         912652             5.9975          N                      927.86               927.86              7/21/2005
         923213             5.7475          N                        1040                 1040              7/28/2005
         940874             6.4975          N                       625.5                625.5              7/29/2005
         905518             6.2475          N                     1516.66              1516.66              7/25/2005
         920147             5.7475          N                       402.5                402.5              7/28/2005
         926411             5.8725          N                     1531.25              1531.25              7/28/2005
         927647             5.2475          N                      535.79               535.79              7/28/2005
         832844             6.1225          N                     1636.25              1636.25              7/28/2005
         910262             5.9975          N                      911.46               911.46              7/28/2005
         890994             5.7475          N                         800                  800               7/2/2005
         894404             5.9975          N                     2848.17              2848.17              7/21/2005
         917979             5.7475          N                     2729.03              2729.03              7/11/2005
         930794             5.8725          N                     2090.16              2090.16              7/21/2005
         924408             6.4975          N                     1090.68              1090.68              7/27/2005
         917110             5.6225          N                      741.23               741.23              7/25/2005
         900398             5.7475          N                     2392.62              2392.62              7/28/2005
         919277             5.7475          N                      511.55               511.55              7/26/2005
         919449             5.7475          N                       962.5                962.5              7/28/2005
         938772             5.9975          N                      593.23               593.23              7/29/2005
         942105             7.6225          N                     2594.48              2594.48              7/28/2005
         923653             5.8725          N                     1054.01              1054.01              7/26/2005
         940989             6.4975          N                     2495.25              2495.25              7/24/2005
         939301             6.4975          N                      472.11               472.11              7/28/2005
         920665             6.6225          N                      743.93               743.93              7/27/2005
         940948             6.6225          N                     2131.25              2131.25              7/29/2005
         921582             5.6225          N                     1444.27              1444.27              7/29/2005
         934639             6.2475          N                      554.67               554.67              7/29/2005
         933050             5.9975          N                      932.29               932.29              7/25/2005
         916142             6.4975          N                       697.5                697.5              7/29/2005
         919311             5.3725          N                      534.84               534.84              7/27/2005
         924108             5.8725          N                      977.96               977.96              7/29/2005
         939156             6.4975          N                      1012.5               1012.5              7/29/2005
         928568             5.9975          N                     2210.94              2210.94              7/21/2005
         936163             6.1225          N                       425.8                425.8              7/29/2005
         934333             5.4975          N                        1012                 1012              7/21/2005
         924399             5.4975          N                      970.31               970.31              7/28/2005
         928779             6.1225          N                      905.25               905.25              7/25/2005
         934590             5.6225          N                     1271.94              1271.94              7/28/2005
         929570             5.4975          N                     2395.83              2395.83              7/29/2005
         835352             5.8725          N                      536.36               536.36              7/28/2005
         898930             5.7475          N                        1525                 1525              7/25/2005
         906522             5.6225          N                     1488.33              1488.33              7/25/2005
         924210             5.8725          N                     1189.27              1189.27              7/19/2005
         934287             5.9975          N                      2602.1               2602.1              7/25/2005
         929093             5.9975          N                     1276.04              1276.04              7/25/2005
         934149             5.7475          N                         794                  794              7/22/2005
         947286             5.3725          N                      967.97               967.97              7/29/2005
         938913             6.1225          N                      670.97               670.97              7/29/2005
         930594             5.9975          N                     1322.76              1322.76              7/30/2005
         934901             6.1225          N                     1692.03              1692.03              7/29/2005
         926307             5.8725          N                     1143.33              1143.33              7/29/2005
         761029             5.4975          N                       862.5                862.5              7/29/2005
         934051             5.8725          N                      933.11               933.11              7/29/2005
         913670             5.9975          N                     1354.17              1354.17              7/29/2005
         923181             5.8725          N                      877.92               877.92              7/22/2005
         893080             5.4975          N                      647.35               647.35              7/26/2005
         920835             5.6225          N                      527.77               527.77              7/29/2005
         934093             5.7475          N                        1175                 1175              7/29/2005
         926176             5.4975          N                      843.33               843.33              7/28/2005
         934407             5.3725          N                     2167.97              2167.97              7/26/2005
         903826             6.1225          N                     2153.16              2153.16              7/29/2005
         909623             5.7475          N                       504.7                504.7              7/29/2005
         933854             5.4975          N                      733.13               733.13              7/23/2005
         897041             5.9975          N                      911.46               911.46              7/21/2005
         934797             4.9975          N                      918.44               918.44              7/29/2005
         930258             5.9975          N                      705.99               705.99              7/29/2005
         919428             5.7475          N                       997.5                997.5              7/26/2005
         948306             5.6225          N                      613.44               613.44              7/29/2005
         929838             6.2475          N                         455                  455              7/29/2005
         856657             7.2475          N                      267.18               267.18              7/29/2005
         884712             6.1225          N                      1487.5               1487.5              7/14/2005
         951067             6.2475          N                      302.94               302.94              7/29/2005
         920380             6.2475          N                     1148.79              1148.79              7/27/2005
         920919             6.4975          N                     1053.28              1053.28              7/29/2005
         929248             5.6225          N                      548.33               548.33              7/29/2005
         933628             6.1225          N                         850                  850              7/25/2005
         913570             5.9975          N                      419.27               419.27              7/27/2005
         934856             5.7475          N                         448                  448              7/27/2005
         892467             5.6225          N                     1092.94              1092.94              7/27/2005
         932108             5.6225          N                      1949.7               1949.7              7/23/2005
         921300             5.6225          N                      489.09               489.09              7/26/2005
         933777             6.1225          N                     1368.77              1368.77               8/2/2005
         942470             5.6225          N                      582.01               582.01              7/27/2005
         885497             5.6225          N                      626.67               626.67              7/26/2005
         915703             5.9975          N                      590.62               590.62              7/29/2005
         924758             5.6225          N                      425.94               425.94              7/21/2005
         947834             6.1225          N                     1221.66              1221.66              7/28/2005
         930162             5.6225          N                      815.65               815.65              7/26/2005
         898605             6.6225          N                      1512.5               1512.5               8/1/2005
         917060             5.7475          N                     1499.67              1499.67              7/26/2005
         930397             5.6225          N                     1321.87              1321.87              7/25/2005
         906509             5.8725          N                      571.67               571.67               8/1/2005
         921625             5.9975          N                       937.5                937.5              7/26/2005
         914832             5.6225          N                      734.37               734.37              7/26/2005
         921781             6.1225          N                      849.73               849.73               8/1/2005
         923998             5.4975          N                      1299.5               1299.5               8/1/2005
         939036             6.1225          N                      648.92               648.92              7/29/2005
         951305             5.9975          N                     1722.51              1722.51              7/28/2005
         928487             5.9975          N                      876.13               876.13              7/28/2005
         925932             5.4975          N                      917.36               917.36               8/2/2005
         896105             5.4975          N                     1197.92              1197.92               8/2/2005
         925053             5.6225          N                     2864.06              2864.06              7/28/2005
         923996             5.9975          N                      817.71               817.71              7/28/2005
         924160             6.1225          N                     3346.88              3346.88              7/27/2005
         895647             5.9975          N                     1604.17              1604.17               8/2/2005
         924985             5.4975          N                      838.21               838.21               8/2/2005
         941033             6.1225          N                      827.42               827.42               8/2/2005
         926901             5.9975          N                     2575.93              2575.93              7/25/2005
         936876             6.1225          N                       416.5                416.5               8/2/2005
         924413             5.9975          N                     1101.04              1101.04               8/2/2005
         901558             5.9975          N                      772.92               772.92               8/1/2005
         873655             5.9975          N                     1489.58              1489.58               8/2/2005
         928018             5.7475          N                      592.42               592.42              7/28/2005
         927863             5.8725          N                     2756.25              2756.25              7/29/2005
         929374             5.6225          N                      802.92               802.92               8/3/2005
         942728             6.3725          N                      983.01               983.01              7/26/2005
         940272             5.4975          N                      764.75               764.75              7/27/2005
         918624             5.4975          N                      958.33               958.33               8/3/2005
         939904             5.6225          N                      749.01               749.01              7/28/2005
         909611             6.2475          N                     1213.33              1213.33              7/29/2005
         922361             6.1225          N                      996.09               996.09              7/29/2005
         935256             6.6225          N                      320.83               320.83               8/3/2005
         955928             6.1225          N                      481.21               481.21               8/3/2005
         890877             5.9975          N                     1410.08              1410.08               8/2/2005
         938340             5.7475          N                       732.5                732.5               8/3/2005
         904253             5.6225          N                      459.23               459.23              7/27/2005
         907957             6.1225          N                      743.75               743.75               8/1/2005
         944380             5.4975          N                      516.54               516.54              7/29/2005
         928671             5.9975          N                         875                  875               8/4/2005
         935891             5.9975          N                      331.77               331.77               8/3/2005
         940365             5.4975          N                      742.23               742.23               8/3/2005
         951005             5.7475          N                         352                  352               8/3/2005
         951700             6.4975          N                     1464.75              1464.75               8/4/2005
         898370             6.3725          N                     1409.47              1409.47               8/4/2005
         943687             6.2475          N                     2843.75              2843.75               8/5/2005
         920476             5.9975          N                     2238.54              2238.54              7/25/2005
         951476             6.4975          N                      905.63               905.63               8/4/2005
         937552             5.6225          N                      1405.1               1405.1               8/1/2005
         949409             6.6225          N                      1512.5               1512.5              7/29/2005
         926164             5.9975          N                     1628.12              1628.12               8/4/2005
         925395             5.4975          N                      536.67               536.67               8/5/2005
         928168             5.6225          N                      918.46               918.46               8/4/2005
         942759             5.7475          N                       402.5                402.5               8/1/2005
         949844             5.9975          N                      494.27               494.27               8/1/2005
         950595             5.8725          N                      267.97               267.97               8/5/2005
         887295             5.8725          N                     1454.69              1454.69               8/5/2005
         934725             6.2475          N                      762.13               762.13               8/5/2005
         925267             5.8725          N                      815.14               815.14               8/5/2005
         917440             5.6225          N                      736.82               736.82               8/5/2005
         912292             5.4975          N                     1509.47              1509.47              7/19/2005
         909212             6.1225          N                     2390.63              2390.63              7/28/2005
         811441             7.6225          N                     3907.31              3907.31               8/5/2005
         920880             6.6225          N                      365.23               365.23               8/5/2005
         921456             5.6225          N                      881.49               881.49               8/1/2005
         919358             6.2475          N                     1502.06              1502.06               8/1/2005
         923313             5.7475          N                     1798.25              1798.25               8/1/2005
         924345             6.4975          N                         315                  315               8/1/2005
         925780             6.4975          N                      354.37               354.37               8/1/2005
         925871             6.4975          N                      433.12               433.12               8/1/2005
         929501             5.9975          N                     2001.56              2001.56               8/5/2005
         915504             5.9975          N                     2895.81              2895.81              7/22/2005
         940322             6.4975          N                     1021.78              1021.78               8/5/2005
         921917             6.3725          N                      696.87               696.87              7/28/2005
         862796             5.6225          N                      856.77               856.77              7/22/2005
         922697             6.2475          N                     4793.75              4793.75               8/5/2005
         904753             6.2475          N                      477.75               477.75              7/28/2005
         953343             6.2475          N                      893.75               893.75               8/5/2005
         931786             6.1225          N                     1097.03              1097.03               8/5/2005
         840396             5.6225          N                      805.36               805.36               8/3/2005
         911579             5.6225          N                     2706.17              2706.17               8/8/2005
         930784             5.6225          N                      591.42               591.42               8/2/2005
         848963             6.4975          N                     1968.75              1968.75               8/3/2005
         944111             5.9975          N                      677.08               677.08               8/2/2005
         929698             5.6225          N                       780.4                780.4               8/1/2005
         936055             5.9975          N                     3385.42              3385.42               8/8/2005
         929667             5.6225          N                     2152.21              2152.21               8/2/2005
         897602             6.1225          N                     2361.41              2361.41               8/8/2005
         925753             6.1225          N                     2658.91              2658.91               8/8/2005
         948069             5.4975          N                      408.73               408.73               8/8/2005
         848537             4.7475          N                     7989.58              7989.58               8/3/2005
         908431             5.7475          N                        4375                 4375               8/8/2005
         948103             5.7475          Y                       924.5                924.5               8/3/2005
         895800             6.4975          N                     2657.81              2657.81               8/8/2005
         935924             6.2475          N                     1708.96              1708.96               8/8/2005
         924908             6.1225          N                      844.16               844.16              7/29/2005
         900610             5.9975          N                      1712.5               1712.5               8/2/2005
         913560             6.2475          N                        1885                 1885              7/28/2005
         929477             6.1225          N                      1363.4               1363.4               8/3/2005
         945390             5.9975          N                      2402.6               2402.6               8/2/2005
         922239             6.4975          N                     5273.44              5273.44               8/8/2005
         936389             5.9975          N                     2224.69              2224.69               8/3/2005
         936112             5.6225          N                     1209.27              1209.27               8/3/2005
         887554             5.8725          N                     1626.95              1626.95               8/3/2005
         940688             6.1225          N                      966.88               966.88               8/1/2005
         950623             6.2475          N                      671.67               671.67               8/4/2005
         950735             7.6225          N                      519.75               519.75               8/9/2005
         900168             5.7475          N                      934.38               934.38              8/10/2005
         900088             5.6225          N                     2252.08              2252.08               8/4/2005
         932936             5.6225          N                     1558.98              1558.98               8/1/2005
         944942             6.2475          N                     1015.63              1015.63               8/4/2005
         948454             6.1225          N                     1553.91              1553.91               8/9/2005
         941709             6.1225          N                     2589.84              2589.84               8/2/2005
         943450             6.2475          N                        2600                 2600               8/9/2005
         916911             5.4975          N                      835.19               835.19               8/9/2005
         947667             7.2475          N                        2125                 2125               8/4/2005
         925883             6.2475          N                     1063.83              1063.83               8/3/2005
         929229             5.6225          N                      479.79               479.79               8/9/2005
         930616             5.2475          N                     3263.33              3263.33               8/3/2005
         943525             5.9975          N                      594.27               594.27              8/10/2005
         909243             5.4975          N                      716.45               716.45               8/5/2005
         951788             5.8725          N                     1010.63              1010.63              8/10/2005
         929659             5.9975          N                         875                  875               8/1/2005
         949638             6.2475          N                         845                  845              8/10/2005
         932149             5.6225          N                      737.31               737.31               8/3/2005
         863765             6.1225          N                      633.57               633.57              8/10/2005
         943482             5.6225          N                      673.18               673.18              8/10/2005
         932914             6.1225          N                         850                  850               8/5/2005
         927120             6.1225          N                     2268.44              2268.44               8/5/2005
         956876             5.9975          N                      984.37               984.37              8/10/2005
         931530             6.1225          N                      948.28               948.28              8/10/2005
         951254             5.7475          N                      1417.5               1417.5              8/10/2005
         933862             5.6225          N                       822.5                822.5              8/10/2005
         807074             7.2475          N                         480                  480              8/10/2005
         917477             6.4975          N                         630                  630              8/10/2005
         958604             5.7475          N                      1702.5               1702.5               8/5/2005
         929634             6.1225          N                     1852.73              1852.73               8/5/2005
         946629             5.9975          N                     1308.85              1308.85              8/10/2005
         951171             5.4975          N                      412.23               412.23              8/10/2005
         945017             6.6225          N                      524.22               524.22              8/10/2005
         949150             7.6225          N                     3912.89              3912.89               8/5/2005
         939471             5.9975          N                       762.5                762.5              8/10/2005
         918836             5.4975          N                     1442.29              1442.29               8/5/2005
         934321             5.4975          N                     1039.79              1039.79               8/1/2005
         927510             6.1225          N                      488.64               488.64              8/11/2005
         927530             6.1225          N                      488.64               488.64              8/11/2005
         943761             5.4975          N                      619.56               619.56               8/5/2005
         904615             5.4975          N                     1945.42              1945.42              8/11/2005
         922718             5.6225          N                     1223.96              1223.96              8/11/2005
         898289             5.4975          N                      862.02               862.02              8/11/2005
         944270             5.6225          N                     1199.48              1199.48               8/1/2005
         920890             6.6225          N                       279.3                279.3              8/11/2005
         952037             7.2475          N                      288.53               288.53              8/11/2005
         471506             7.2475          N                     6138.43              6138.43              8/12/2005
         767357             5.4975          N                     1677.08              1677.08               8/6/2005
         920946             5.6225          N                     1197.77              1197.77              8/10/2005
         940967             5.4975          N                     1471.04              1471.04               8/4/2005
         937887             5.9975          N                         750                  750              8/11/2005
         937897             5.4975          N                      559.28               559.28              8/12/2005
         937685             5.7475          N                         925                  925               8/9/2005
         938974             5.9975          N                     1294.27              1294.27              8/10/2005
     2002349103             6.1225          N                      873.42               873.42              12/2/2004
       40316603             4.7475          N                      514.58               514.58              6/15/2005
       40325882             5.1225          N                     1458.38              1823.22               6/3/2005
       40326240             6.1225          N                     1372.86              1378.59              6/14/2005
       40308909             5.7475          N                       663.5                663.5              6/24/2005
       40310701             5.2475          N                      951.04               951.04              5/13/2005
       40329476             5.3725          Y                        1950                 1950               6/7/2005
       40333575             5.3725          N                     2681.07              2681.25              6/17/2005
       40336137             5.4975          N                     2253.35              2258.07              6/20/2005
       40336389             5.7475          Y                         945                  945              6/15/2005
       40341661             6.1225          N                     3041.37              3041.37              6/28/2005
       40298077             5.4975          N                     2098.82              2098.82              4/26/2005
       40379646             5.9975          N                      2587.5               2587.5               8/4/2005
       40380823             5.7475          N                        1422                 1422               8/9/2005
       40380804             6.2475          N                        3250                 3250               8/9/2005
       40379234             5.7475          Y                        1375                 1375              7/28/2005
       40379771             6.7475          N                     1350.42              1350.42              8/10/2005
       40380386             6.2475          Y                     1523.17              1523.17              7/28/2005
       40381469             5.8725          N                     2776.67              2776.67               8/4/2005
       40382585             6.1225          N                     1119.88              1119.88              8/12/2005
       40383427             5.9975          N                     1395.83              1395.83              8/12/2005
       40382908             6.2475          N                     3033.33              3033.33              8/10/2005
       40385002             5.6225          N                     1676.09              1676.09               8/5/2005
       40386187             5.8725          N                     1063.32              1063.32              8/16/2005
       40387213             6.7475          N                      460.83               460.83              8/16/2005
       40302746             5.7475          N                      1553.5               1553.5               8/5/2005
       40332837             5.2475          N                      806.67               806.67              7/15/2005
       40332969             5.3725          N                     1303.13              1303.13              7/11/2005
       40333233             5.6225          N                     2433.23              2433.23              7/24/2005
       40334323             5.6225          N                     1703.75              1703.75              7/25/2005
       40335889             5.6225          N                     2301.04              2301.04              7/21/2005
       40336626             5.2475          N                     1008.33              1008.33              7/18/2005
       40337218             5.1225          N                     2398.59              2398.59              7/28/2005
       40338926             5.9975          N                      546.76               546.76              7/18/2005
       40339768             5.2475          N                     1316.33              1316.33              7/12/2005
       40340170             5.6225          Y                      353.72               353.72               7/8/2005
       40340248             6.2475          N                      2812.7               2812.7              6/28/2005
       40340512             5.1225          N                      985.42               985.42               7/1/2005
       40340640             5.4975          N                     1078.13              1078.13               8/2/2005
       40341585             5.6225          N                     1204.38              1204.38              7/25/2005
       40341597             5.2475          N                        1430                 1430              7/25/2005
       40341214             5.7475          N                     2124.61                 2125              7/20/2005
       40341344             5.1225          N                      734.58               734.58              6/23/2005
       40341350             5.1225          N                      662.92               662.92              6/23/2005
       40341357             5.1225          N                       667.4                667.4              6/23/2005
       40341516             5.4975          N                     1074.53              1074.53              7/13/2005
       40342683             5.2475          N                      1027.7               1027.7              7/21/2005
       40343593             5.4975          N                     1395.33              1395.33              7/26/2005
       40343594             5.1225          N                      324.29               324.29              7/19/2005
       40349369             6.1225          N                      2091.8               2091.8              7/16/2005
       40343661             5.1225          N                      931.67               931.67              6/30/2005
       40343750             5.2475          N                      1648.4               1648.4               7/1/2005
       40343781             5.6225          N                     1957.11              1957.11              7/15/2005
       40345002             5.4975          N                     1621.26              1621.26              7/14/2005
       40343884             5.6225          N                      998.75               998.75              7/27/2005
       40343945             5.7475          N                      1399.5                 1400              6/30/2005
       40344142             4.9975          N                     1220.63              1220.63              7/26/2005
       40344252             6.2475          N                     2426.67              2426.67              7/18/2005
       40344630             4.9975          N                     1093.75              1093.75              6/30/2005
       40344753             5.2475          N                     2009.97              2009.97              6/21/2005
       40344783             5.2475          N                     1171.32               1171.5              7/21/2005
       40345610             5.6225          N                      938.03               938.04              7/29/2005
       40345633             5.2475          N                      981.98               982.21               8/1/2005
       40345762             4.9975          N                      656.25               656.25              7/28/2005
       40345773             5.7475          N                      1057.5               1057.5              7/27/2005
       40347021             5.9975          N                      579.17               579.17              7/19/2005
       40347134             5.6225          N                     1253.33              1253.33               7/7/2005
       40345320             5.7475          N                      815.39               815.39              7/18/2005
       40345347             5.3725          N                     1453.13              1453.13              7/22/2005
       40345339             6.1225          N                        2295                 2295              7/15/2005
       40345379             5.4975          N                         920                  920               8/2/2005
       40346050             5.2475          N                     1249.14              1249.14              7/13/2005
       40346119             5.3725          N                         544                  544              7/26/2005
       40346249             6.1225          N                      658.22               658.22               8/1/2005
       40347359             4.9975          N                      925.31               925.31              7/18/2005
       40347380             5.6225          N                      1113.8               1113.8              7/15/2005
       40347421             5.6225          N                     1086.88              1086.88              7/25/2005
       40347518             6.1225          N                     2462.16                 2465              7/21/2005
       40347871             6.1225          N                        2125                 2125              7/22/2005
       40348400             5.7475          N                        2220                 2220               8/8/2005
       40348417             6.4975          N                     2278.13              2278.13               8/2/2005
       40348671             6.6225          N                     2906.91              2906.91              7/28/2005
       40349674             4.9975          N                      1522.5               1522.5              7/27/2005
       40350189             5.4975          N                     2270.44              2270.44              7/15/2005
       40350193             5.4975          N                     2314.41              2314.41              7/15/2005
       40350249             5.6225          N                     1731.17              1731.17              7/20/2005
       40350333             6.2475          N                     2322.67              2322.67              7/25/2005
       40350469             5.2475          N                     1613.33              1613.33              7/11/2005
       40350509             5.8725          N                     1020.83              1020.83              7/15/2005
       40350877             6.1225          N                     1593.75              1593.75               8/8/2005
       40351817             5.1225          N                      948.69               948.69              7/27/2005
       40351891             6.1225          N                      841.13               841.13               8/2/2005
       40351446             5.9975          N                     1979.17              1979.17              7/18/2005
       40352399             5.6225          N                     1760.79              1760.79              7/25/2005
       40352822             5.4975          N                      1506.5               1506.5              7/20/2005
       40352933             5.9975          N                      3437.5               3437.5              7/19/2005
       40353671             5.4975          N                      2242.5               2242.5              7/29/2005
       40353692             5.4975          N                     1916.67              1916.67              7/15/2005
       40353820             6.2475          N                      1137.5               1137.5              7/26/2005
       40353325             5.3725          N                     1523.44              1523.44              7/22/2005
       40353351             5.8725          N                     1162.73              1163.75              7/25/2005
       40353378             4.9975          N                        1680                 1680              7/25/2005
       40353539             4.7475          N                      470.83               470.83              7/25/2005
       40353530             5.2475          N                      394.17               394.17              7/30/2005
       40353609             5.6225          N                     1145.63              1145.63               8/2/2005
       40353977             5.3725          N                     1432.03              1432.03              7/25/2005
       40354730             5.8725          N                     2347.92              2347.92              7/18/2005
       40354772             5.6225          N                     2271.67              2271.67               8/2/2005
       40355652             4.7475          N                     1469.58              1470.83              7/29/2005
       40357157             5.7475          N                        2078                 2078              7/19/2005
       40355214             5.2475          N                      790.63               790.63               7/5/2005
       40355406             4.9975          N                      529.38               529.38              7/14/2005
       40355443             5.8725          N                     2296.88              2296.88              7/22/2005
       40355477             5.7475          N                        2300                 2300              7/15/2005
       40355962             5.7475          N                      1987.5               1987.5              7/18/2005
       40356160             5.1225          N                     1610.71              1610.71              7/20/2005
       40356199             4.7475          N                        1200                 1200              7/20/2005
       40356524             5.7475          N                     2611.04              2611.04              7/19/2005
       40356613             5.6225          N                     1183.08              1183.08              7/21/2005
       40356773             5.2475          N                     1558.33              1558.33              7/13/2005
       40357702             5.1225          N                     1310.16              1310.16              7/22/2005
       40357731             5.7475          N                     2518.11              2518.11               8/5/2005
       40357406             6.1225          N                     2395.66              2395.66              7/27/2005
       40357443             4.9975          N                         700                  700               8/8/2005
       40357472             5.9975          N                     1660.16              1660.16              7/22/2005
       40357566             5.8725          N                      971.83               971.83               8/2/2005
       40357567             5.9975          N                     2270.83              2270.83              7/25/2005
       40357985             5.6225          N                     3769.79              3769.79              7/21/2005
       40358656             5.7475          N                        2250                 2250              7/22/2005
       40358677             5.2475          N                     2933.33              2933.33              7/13/2005
       40358792             4.9975          N                     1767.05              1767.05              7/25/2005
       40358772             5.6225          N                     1321.88              1321.88               8/4/2005
       40359805             5.3725          N                     1358.55              1358.55              7/20/2005
       40359860             5.9975          N                      728.75               728.75              7/15/2005
       40359879             5.6225          N                     1566.67              1566.67               8/3/2005
       40361077             5.6225          N                     1869.57              1870.21              7/23/2005
       40361082             5.2475          N                     3208.33              3208.33              7/22/2005
       40359547             5.7475          N                        5330                 5330              7/25/2005
       40359583             5.4975          N                     1176.83              1176.83              7/29/2005
       40359912             5.3725          N                     1264.53              1265.63              7/29/2005
       40359947             4.7475          N                      729.17               729.17              7/27/2005
       40360297             6.2475          N                     2543.67              2543.67               8/4/2005
       40360353             5.2475          N                     1534.27              1534.27               8/8/2005
       40360431             5.4975          N                     1303.33              1303.33              7/13/2005
       40360717             5.8725          N                      614.63               616.58              7/29/2005
       40360825             5.6225          N                     1186.75              1186.75              7/21/2005
       40360942             5.4975          N                     3790.89              3790.89              7/28/2005
       40363001             4.9975          N                     1932.71              1932.71              7/29/2005
       40361532             5.2475          N                     1077.08              1077.08              7/20/2005
       40361985             6.7475          N                     1343.58              1343.58              8/10/2005
       40362134             5.3725          N                      914.06               914.06              7/28/2005
       40362195             5.7475          N                        3250                 3250              7/25/2005
       40362209             5.2475          N                     1521.67              1521.67              7/20/2005
       40362557             6.2475          N                      931.67               931.67              7/19/2005
       40362631             5.6225          N                     2193.33              2193.33              7/27/2005
       40362728             6.1225          N                     3290.03              3290.03               8/1/2005
       40363672             5.9975          N                     2458.33              2458.33              7/21/2005
       40363690             5.2475          N                     1434.58              1434.58              7/29/2005
       40363723             4.9975          N                         714                  714               8/2/2005
       40363823             5.2475          N                     1145.38              1145.83              7/21/2005
       40363429             5.9975          N                        2000                 2000              7/22/2005
       40364217             6.4975          N                     1079.98                 1080               8/9/2005
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       40364828             5.4975          N                     1557.29              1557.29              7/26/2005
       40364954             5.1225          N                      923.95               923.95               8/9/2005
       40364956             4.8725          N                      970.96               970.96              7/11/2005
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       40365392             5.7475          N                      693.75               693.75              7/20/2005
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       40366500             6.1225          Y                      397.38               397.38               8/3/2005
       40366742             5.7475          N                        5000                 5000              7/21/2005
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       40367104             5.7475          N                      806.25               806.25              7/20/2005
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       40367217             5.6225          N                     1253.33              1253.33              7/27/2005
       40367472             5.9975          N                     1457.95              1458.33               8/9/2005
       40368009             6.4975          N                         972                  972              7/14/2005
       40368093             6.3725          N                     1766.67              1766.67              7/28/2005
       40368142             6.3725          N                        3975                 3975              7/21/2005
       40368210             5.6225          N                      1198.5               1198.5              7/28/2005
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       40368414             6.2475          N                        8125                 8125               8/9/2005
       40370928             5.7475          N                        2515                 2515               8/2/2005
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       40369137             6.7475          N                     1376.67              1376.67               8/1/2005
       40369168             6.2475          N                      803.67               803.67              7/25/2005
       40369265             5.6225          N                     1719.42              1719.42               8/3/2005
       40371145             6.1225          N                      6107.1              6109.38              8/11/2005
       40370304             5.7475          N                        2140                 2140              7/27/2005
       40370405             6.6225          Y                      916.42               916.42              8/11/2005
       40370576             6.1225          N                     2789.06              2789.06               8/5/2005
       40370825             5.4975          N                     2602.83              2602.83               8/8/2005
       40371466             6.1225          N                     1823.25              1823.25               8/2/2005
       40373050             6.2475          N                     2979.17              2979.17               8/6/2005
       40371057             6.6225          N                      802.08               802.08              8/15/2005
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       40371090             6.2475          N                     2123.33              2123.33               8/1/2005
       40371896             5.6225          N                       461.4                461.4               8/2/2005
       40372078             5.6225          N                      932.17               932.17               8/4/2005
       40372171             6.1225          N                     2401.25              2401.25               8/1/2005
       40372199             5.6225          N                     1760.79              1760.79               8/1/2005
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       40373778             5.6225          N                      527.77               528.75              7/29/2005
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       40374159             5.7475          N                         680                  680               8/4/2005
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       40375153             6.2475          N                        1430                 1430               8/4/2005
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       40375217             5.6225          N                      2467.5               2467.5              7/28/2005
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       40376038             5.2475          N                        1518                 1518               8/1/2005
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       40378616             6.1225          N                     2656.25              2656.25              8/10/2005
       40378618             5.8725          N                      463.66               467.54              7/29/2005
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       40376547             6.6225          N                     4335.73              4335.73              8/12/2005
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       40327068             5.2475          N                        3080                 3080              7/27/2005
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       40365924             5.3725          N                     2111.25              2111.25              7/26/2005
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       40378523             4.3725          N                     2986.98              2986.98               8/1/2005
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        4148833             5.3725          N                     2659.54              2659.54               7/7/2005
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        4158412             5.4975          N                      793.66               793.66               7/5/2005
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       28656668             5.4975          Y                      577.74               577.74             12/10/2004
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     4674890322             4.9975          N                      940.19               940.19              4/27/2005
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     1675047222             5.3725          N                       982.5                982.5              7/26/2005
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     1675391557             5.2475          N                         506                  506              7/27/2005
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        4157913             5.6225          N                      709.85               709.85              7/15/2005
        4158522             5.1225          N                      2010.3               2010.3              7/11/2005
        4158893             5.9975          N                     1039.34              1039.34              6/30/2005
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        4160941             6.3575          Y                      808.35               808.35              7/27/2005
        4161025             6.1225          N                      626.99               626.99              7/29/2005
        4161482             5.9975          N                     1336.11              1336.11              7/20/2005
        4161485             6.1225          N                     1582.14              1582.14              7/20/2005
        4161546             5.9975          N                     1103.68              1103.68              7/22/2005
        4161550             5.9975          N                      566.46               566.46              7/25/2005
        4161709             5.8725          Y                      683.57               683.57              7/19/2005
        4162253             6.2475          N                      379.24               379.24              6/23/2005
        4162890             5.3725          N                     1148.43              1148.43              6/22/2005
        4163642             5.8725          N                      972.18               972.18              7/21/2005
        4163673             5.4975          N                      840.35               840.35              7/21/2005
        4163680             5.9975          N                      2142.7               2142.7              7/21/2005
        4163856             5.8725          N                      941.19               941.19              6/22/2005
        4164197             5.8725          N                     2491.21              2491.21              7/15/2005
        4164232             6.3725          Y                      334.25               334.25              7/27/2005
        4164272             5.7475          N                     1894.58              1894.58              7/27/2005
        4164337             6.6225          N                      262.78               262.78              7/22/2005
        4164388             5.8725          N                      369.13               369.13              7/28/2005
        4164715             6.1225          Y                      701.86               701.86              7/21/2005
        4165022             5.8725          N                     2184.37              2184.37              7/26/2005
        4165047             5.4975          N                     1272.19              1272.19               7/7/2005
        4165176             6.1225          N                      925.52               925.52              7/29/2005
        4165223             5.8725          N                      632.22               632.22              7/15/2005
        4165436             5.6225          N                      733.51               733.51              7/18/2005
        4166261             5.4975          N                      583.58               583.58              7/22/2005
        4166349             5.9975          N                      326.34               326.34               7/6/2005
        4166877             5.7475          N                     1618.79              1618.79              7/22/2005
        4167132             5.8725          N                      455.71               455.71              7/21/2005
        4167617             6.1225          N                      694.37               694.37              6/24/2005
        4167867             5.8725          N                     1670.93              1670.93              6/16/2005
        4167875             5.1225          N                      629.97               629.97               8/2/2005
        4168538             5.9975          N                      492.57               492.57              6/23/2005
        4168565             5.6225          N                      993.79               993.79               8/2/2005
        4168601             5.2475          N                      695.54               695.54              7/13/2005
        4168794             5.7475          Y                      690.69               690.69              7/19/2005
        4169721             5.9975          Y                      365.74               365.74              7/15/2005
        4169883             6.2475          Y                      511.98               511.98              7/14/2005
        4170995             5.7475          N                      779.42               779.42               7/8/2005
        4171909             5.4975          N                     1493.95              1493.95              7/20/2005
        4171975             5.2475          N                     1059.35              1059.35              6/24/2005
        4172164             6.2475          N                      369.76               369.76              7/20/2005
        4172206             6.1225          N                      561.49               561.49              7/18/2005
        4172394             5.6225          N                      847.09               847.09              7/21/2005
        4172699             6.1225          N                      249.55               249.55              7/20/2005
        4173005             5.8725          N                       726.1                726.1              7/27/2005
        4173173             6.1225          Y                      769.24               769.24              7/14/2005
        4173396             5.6225          N                      857.73               857.73              7/26/2005
        4173403             6.1225          N                      318.18               318.18              7/22/2005
        4173514             5.6225          N                       596.1                596.1              7/25/2005
        4173696             5.4975          N                     1225.51              1225.51              7/12/2005
        4174057             5.3725          N                      704.61               704.61              7/29/2005
        4174347             5.4975          N                     1455.04              1455.04              7/20/2005
        4174408             5.8725          N                     1124.08              1124.08              7/26/2005
        4174427             5.3725          N                      810.53               810.53              7/13/2005
        4174448             5.8725          N                      947.88               947.88              7/28/2005
        4174468             5.9975          N                      594.17               594.17              7/20/2005
        4174596             5.1225          N                     1097.55              1097.55              7/22/2005
        4174744             5.1225          N                      464.78               464.78              7/29/2005
        4175262             5.6225          N                     1395.56              1395.56              6/29/2005
        4175559             6.4975          Y                      617.47               617.47               6/3/2005
        4176504             6.2475          N                      333.74               333.74              7/21/2005
        4176694             6.1225          Y                      758.01               758.01              7/15/2005
        4176768             6.3965          Y                      657.89               657.89              7/25/2005
        4176990             5.9975          N                      679.75               679.75              7/15/2005
        4177120             5.7475          N                       671.5                671.5              7/25/2005
        4177313             5.4975          N                     1167.15              1167.15              7/18/2005
        4177426             5.9975          N                      304.79               304.79              7/29/2005
        4178003             4.7475          N                     2619.69              2619.69              7/25/2005
        4178063             5.8725          N                      1117.4               1117.4              6/29/2005
        4178361             6.1225          N                      561.44               561.44              4/29/2005
        4178657             6.6225          N                      812.95               812.95              4/25/2005
        4179065             5.8725          N                       566.3                566.3               8/2/2005
        4179096             5.8725          N                      486.09               486.09              7/29/2005
        4179101             5.7475          N                     1028.23              1028.23               8/3/2005
        4179274             5.3725          N                      325.83               325.83              7/26/2005
        4179875             6.1225          N                      628.87               628.87              7/22/2005
        4179995             6.1225          N                      613.89               613.89              6/23/2005
        4180164             5.6225          N                     1029.28              1029.28               6/1/2005
        4180244             5.9975          N                     3001.62              3001.62               6/7/2005
        4180265             6.1225          N                      948.28               948.28               6/8/2005
        4180294             5.8725          N                      795.97               795.97              7/26/2005
        4180329             5.3725          N                      651.65               651.65              7/21/2005
        4180370             5.9975          N                      637.89               637.89              7/20/2005
        4180406             5.6225          N                      680.27               680.27              7/11/2005
        4180660             5.6225          N                         895                  895               6/6/2005
        4180808             5.9975          N                      1108.3               1108.3              5/13/2005
        4180836             5.9975          N                      911.26               911.26              4/21/2005
        4181023             6.1225          N                      686.25               686.25              5/19/2005
        4181028             5.9975          N                      664.98               664.98               8/1/2005
        4181047             5.3725          N                      978.62               978.62              4/29/2005
        4181056             6.4975          N                      244.52               244.52              5/27/2005
        4181243             6.4975          N                      451.42               451.42              5/23/2005
        4181535             5.2475          N                     1056.09              1056.09              7/29/2005
        4181665             5.7475          N                     1164.57              1164.57              7/29/2005
        4181861             5.9975          N                     1034.41              1034.41              7/27/2005
        4182357             6.3725          N                       244.6                244.6              7/21/2005
        4182408             5.7475          N                      773.43               773.43              7/15/2005
        4182580             5.9975          N                      584.94               584.94              7/27/2005
        4182827             5.6225          Y                      590.42               590.42              7/19/2005
        4182870             5.8725          N                      605.19               605.19              7/27/2005
        4183058             5.6225          N                      497.49               497.49              7/22/2005
        4183283             5.2475          N                      854.53               854.53              7/19/2005
        4183317             5.6225          Y                      406.69               406.69              7/27/2005
        4183437             5.6225          N                     1183.08              1183.08              7/27/2005
        4183679             6.2475          N                      714.24               714.24              4/29/2005
        4183893             5.9975          N                     1234.52              1234.52              6/14/2005
        4184147             5.4975          N                     1882.03              1882.03              7/14/2005
        4184235             5.6225          N                     1343.98              1343.98              7/22/2005
        4184384             5.6225          Y                      325.35               325.35              7/14/2005
        4184753             6.2475          Y                      307.19               307.19              7/15/2005
        4184879             6.1225          N                      107.62               107.62               8/3/2005
        4184946             5.7475          N                     1423.94              1423.94              7/25/2005
        4184961             6.2475          N                       853.3                853.3              7/25/2005
        4185111             5.6225          N                      899.14               899.14              7/26/2005
        4185363             5.8725          N                      299.86               299.86              7/26/2005
        4185419             5.9975          N                      503.84               503.84              7/21/2005
        4185443             5.8725          N                      444.78               444.78              7/26/2005
        4185458             5.8725          N                      396.17               396.17              7/26/2005
        4185537             6.1225          N                       391.8                391.8              7/29/2005
        4185720             5.7475          N                      599.56               599.56              7/20/2005
        4185956             5.4975          N                      910.38               910.38              7/22/2005
        4185958             6.1595          Y                     1244.66              1244.66              6/28/2005
        4185976             6.1225          N                      424.24               424.24               8/1/2005
        4186275             5.4975          N                      350.15               350.15              7/20/2005
        4186491             6.3725          Y                      518.66               518.66               7/5/2005
        4186560             5.6225          N                     2839.39              2839.39              7/18/2005
        4186565             5.2475          N                     1703.37              1703.37              7/15/2005
        4186716             5.6225          Y                       846.5                846.5              7/15/2005
        4187131             6.2475          N                     1238.86              1238.86              7/22/2005
        4187422             5.8725          Y                       741.9                741.9              6/24/2005
        4187616             5.4975          N                      718.97               718.97              6/27/2005
        4187744             5.3725          N                       345.4                345.4              7/27/2005
        4188185             5.3725          N                      721.01               721.01              7/20/2005
        4188407             5.1225          N                      615.97               615.97              7/22/2005
        4188423             6.2475          N                      331.84               331.84              7/22/2005
        4188681             5.9975          N                      985.15               985.15              7/21/2005
        4189049             6.2475          Y                      167.82               167.82              7/25/2005
        4189268             5.2475          N                      987.96               987.96              7/18/2005
        4189396             5.2475          N                     1703.37              1703.37              7/25/2005
        4189449             5.6225          N                      798.58               798.58              7/19/2005
        4189476             5.6225          N                      763.09               763.09               8/1/2005
        4189515             5.7475          N                     1594.81              1594.81               7/7/2005
        4189519             5.3725          N                      548.32               548.32              7/26/2005
        4189930             5.8725          N                      361.53               361.53              7/20/2005
        4190067             5.2475          N                     2305.23              2305.23              7/13/2005
        4190111             6.1225          Y                      411.76               411.76              7/20/2005
        4190217             5.4975          N                      641.94               641.94              7/22/2005
        4190227             5.2475          N                     2302.39              2302.39              7/21/2005
        4190440             5.7475          N                      791.41               791.41              6/28/2005
        4190507             5.8725          N                     1457.78              1457.78              7/28/2005
        4190539             5.4975          N                      466.86               466.86              7/13/2005
        4190815             5.9975          N                     1169.87              1169.87              7/21/2005
        4190876             6.2475          N                      737.75               737.75              7/27/2005
        4191099             6.4975          Y                     2276.58              2276.58              7/19/2005
        4191197             5.8725          N                      802.05               802.05              7/29/2005
        4191278             6.3725          N                      430.29               430.29              7/22/2005
        4191318             5.6225          N                      643.01               643.01              7/21/2005
        4191340             5.6225          N                     1164.45              1164.45              7/14/2005
        4191452             5.9975          N                      362.66               362.66              7/18/2005
        4191453             5.9975          N                      298.63               298.63              7/18/2005
        4191762             5.6225          N                       496.9                496.9              7/15/2005
        4191820             5.8725          N                     1239.53              1239.53               7/8/2005
        4192067             5.4975          N                      462.78               462.78              7/29/2005
        4192155             5.3725          N                     1652.14              1652.14              7/15/2005
        4192336             5.2475          N                     2042.06              2042.06              7/21/2005
        4192353             5.2475          N                     2042.06              2042.06              7/21/2005
        4192410             5.4975          N                      752.81               752.81              7/21/2005
        4192473             5.3725          N                      978.62               978.62              7/22/2005
        4193459             5.6225          N                      177.47               177.47              7/26/2005
        4193474             5.9975          N                     1059.04              1059.04              6/17/2005
        4193535             5.8725          N                      971.57               971.57              6/13/2005
        4193548             5.3725          N                     1092.03              1092.03              7/22/2005
        4193568             5.3725          N                     1075.91              1075.91              7/22/2005
        4193589             5.9975          Y                      659.43               659.43              6/13/2005
        4193644             5.3725          N                      734.54               734.54              7/26/2005
        4193654             5.4975          N                      919.13               919.13               6/7/2005
        4193658             5.4975          N                      878.28               878.28              7/14/2005
        4193662             6.1225          N                      311.94               311.94              6/14/2005
        4193679             6.2475          N                      677.58               677.58              6/17/2005
        4193702             6.1225          N                      808.54               808.54               6/2/2005
        4193703             5.3725          N                     1060.89              1060.89              6/17/2005
        4193718             5.9975          N                      761.89               761.89               6/2/2005
        4193742             5.2475          N                      645.01               645.01              6/14/2005
        4193773             5.7475          N                      629.53               629.53              7/27/2005
        4193774             5.3725          N                     1064.97              1064.97              6/16/2005
        4193916             5.2475          N                      876.67               876.67              7/20/2005
        4193925             5.7475          N                      364.53               364.53              7/28/2005
        4194120             5.8725          N                      923.57               923.57              7/28/2005
        4194297             5.7475          N                      443.67               443.67              7/29/2005
        4194378             5.6225          N                      990.83               990.83              7/14/2005
        4194530             5.4975          N                     1032.07              1032.07              7/22/2005
        4194769             5.7475          N                      621.14               621.14               8/3/2005
        4194796             5.6225          N                      558.42               558.42              7/22/2005
        4194966             6.2475          Y                      304.35               304.35              7/15/2005
        4194999             5.9975          N                      366.05               366.05              7/29/2005
        4195270             5.6225          Y                      544.22               544.22              7/22/2005
        4195297             5.3725          N                     1086.27              1086.27              7/12/2005
        4195509             5.4975          N                      765.94               765.94              7/28/2005
        4195623             5.8725          N                       646.5                646.5              7/25/2005
        4195644             5.2475          Y                      968.37               968.37              7/21/2005
        4195685             5.1225          N                     1075.15              1075.15              7/25/2005
        4195727             5.9975          N                      491.35               491.35              7/25/2005
        4195747             5.7475          N                     1414.94              1414.94              7/27/2005
        4195787             5.2475          N                     1050.41              1050.41              7/27/2005
        4196235             5.6225          N                      319.44               319.44               8/2/2005
        4196409             5.2475          N                      908.47               908.47               8/3/2005
        4196991             5.6225          Y                      763.09               763.09              7/21/2005
        4197014             5.7475          Y                      628.63               628.63              7/14/2005
        4197016             5.3725          N                      2750.2               2750.2              7/29/2005
        4197041             5.4975          N                      951.23               951.23              7/22/2005
        4197334             5.8725          N                     1339.79              1339.79              7/25/2005
        4197832             5.4975          N                      951.23               951.23              7/28/2005
        4197844             6.2475          N                      903.86               903.86              7/22/2005
        4197897             5.3725          N                      2750.2               2750.2              7/29/2005
        4198126             5.4975          N                     2144.64              2144.64              7/27/2005
        4198127             5.6225          N                     1330.96              1330.96              5/23/2005
        4198224             6.3725          N                      222.19               222.19               8/3/2005
        4198238             5.4975          N                     1166.57              1166.57              7/20/2005
        4198280             5.3725          N                      2014.8               2014.8               6/9/2005
        4198528             5.8725          N                     1215.23              1215.23              7/20/2005
        4198554             5.4975          N                      648.94               648.94              7/20/2005
        4198595             5.7475          N                      899.33               899.33              7/19/2005
        4198994             5.6225          N                     2123.63              2123.63              5/26/2005
        4199005             5.6225          N                      597.45               597.45              6/25/2005
        4199072             5.6225          N                      857.73               857.73              7/25/2005
        4199460             5.3725          N                     2070.35              2070.35              7/20/2005
        4199797             5.9975          N                      576.32               576.32              7/19/2005
        4200178             6.1225          N                      373.83               373.83              7/21/2005
        4200343             5.7475          N                      1468.9               1468.9              7/20/2005
        4200483             5.7475          N                      585.17               585.17              7/20/2005
        4200489             5.7475          N                      585.17               585.17              7/20/2005
        4200623             6.1225          N                      723.69               723.69              7/27/2005
        4200676             5.7475          N                      761.43               761.43              7/27/2005
        4200708             5.3725          N                      779.73               779.73              7/28/2005
        4200762             5.7475          N                      796.83               796.83               8/1/2005
        4200898             6.1225          N                      567.73               567.73              7/29/2005
        4201413             5.4975          N                      718.97               718.97              7/15/2005
        4201645             5.3725          N                      863.49               863.49              7/29/2005
        4201684             6.1225          N                      794.82               794.82              7/28/2005
        4201924             5.9975          Y                      518.68               518.68              6/21/2005
        4201935             5.6225          N                       635.9                635.9              6/10/2005
        4201966             5.7475          N                      681.99               681.99              6/16/2005
        4202001             5.3725          N                      690.79               690.79              6/21/2005
        4202029             6.1225          Y                      555.87               555.87              6/22/2005
        4202068             5.3725          N                      723.03               723.03              7/22/2005
        4202087             5.2475          N                     1760.15              1760.15               8/2/2005
        4202102             5.6225          N                      832.89               832.89              7/20/2005
        4202320             6.3725          N                      569.08               569.08              7/27/2005
        4202357             5.6225          Y                      931.14               931.14              7/25/2005
        4202379             5.6225          N                       496.9                496.9              7/29/2005
        4202385             6.4975          N                      264.63               264.63              7/21/2005
        4202741             5.6225          N                     1798.28              1798.28              7/20/2005
        4202940             5.8725          Y                      637.08               637.08              7/18/2005
        4203036             5.4975          N                     1709.87              1709.87              7/26/2005
        4203092             6.1225          N                      424.24               424.24              7/25/2005
        4203187             5.6225          N                         895                  895               8/3/2005
        4203192             5.6225          N                       545.4                545.4               8/3/2005
        4203298             6.2475          N                      496.18               496.18              7/28/2005
        4203961             6.1225          Y                      847.84               847.84              7/18/2005
        4204039             6.2475          N                      427.28               427.28              7/25/2005
        4204063             6.1225          N                     1287.67              1287.67              7/29/2005
        4204117             5.4975          N                     1038.76              1038.76              7/29/2005
        4204181             5.6225          N                      472.76               472.76               8/1/2005
        4204266             5.8725          N                      372.83               372.83              7/27/2005
        4204786             5.3725          N                      376.25               376.25               8/1/2005
        4204799             5.9975          Y                     1274.53              1274.53              6/30/2005
        4204985             5.6225          N                      1035.2               1035.2              7/27/2005
        4205058             5.4975          N                       564.9                564.9              7/28/2005
        4205109             5.8725          N                      760.73               760.73              7/28/2005
        4205390             5.9975          Y                      392.52               392.52              6/20/2005
        4205396             5.7475          N                      508.12               508.12              6/22/2005
        4205404             5.9975          N                      857.08               857.08              6/21/2005
        4205413             5.9975          N                      866.93               866.93              6/21/2005
        4205438             6.2475          N                      758.49               758.49              7/29/2005
        4205442             5.8725          N                     1020.79              1020.79               6/3/2005
        4205481             5.2475          N                      520.66               520.66              6/14/2005
        4205533             5.6225          N                      622.42               622.42              7/29/2005
        4205542             5.6225          N                      623.44               623.44              7/29/2005
        4205705             5.7475          N                      1079.2               1079.2              7/12/2005
        4205747             5.6225          N                      857.73               857.73              7/21/2005
        4205886             6.3725          N                      332.97               332.97               8/3/2005
        4206330             5.6225          N                      705.12               705.12               8/1/2005
        4206399             6.1225          N                         555                  555              7/28/2005
        4206601             6.2475          N                     1150.37              1150.37               6/9/2005
        4206607             5.3725          N                      621.71               621.71              7/27/2005
        4206785             5.7475          N                      593.56               593.56              7/27/2005
        4206987             5.9975          N                       935.9                935.9               8/1/2005
        4207229             5.6225          N                      610.47               610.47              7/26/2005
        4207230             5.6225          N                       633.9                633.9              7/25/2005
        4207307             6.4975          N                     1295.26              1295.26              7/29/2005
        4207491             6.2475          N                     1469.56              1469.56              7/21/2005
        4207932             6.5055          Y                      808.68               808.68              7/20/2005
        4207947             6.1225          N                      623.87               623.87              7/28/2005
        4207997             5.4975          N                      525.22               525.22              7/28/2005
        4208149             5.8725          N                      619.77               619.77              7/25/2005
        4208165             5.3725          N                      915.76               915.76              7/22/2005
        4208176             5.9975          N                         979                  979              7/22/2005
        4208695             6.2475          N                      328.68               328.68              7/25/2005
        4208710             5.8725          N                      562.65               562.65              7/25/2005
        4208713             5.8725          N                      625.84               625.84              7/28/2005
        4209038             5.6225          N                      452.53               452.53              7/28/2005
        4209185             5.3725          N                     1252.63              1252.63              7/19/2005
        4209249             5.9975          Y                      498.74               498.74              7/20/2005
        4209260             5.4975          N                     1196.33              1196.33              7/19/2005
        4209367             6.3725          N                      685.78               685.78              7/29/2005
        4209428             5.2475          N                      567.79               567.79              6/23/2005
        4209449             6.1225          N                      430.47               430.47              6/22/2005
        4209456             5.6225          N                      739.43               739.43              7/27/2005
        4209468             6.1225          N                      299.46               299.46              6/23/2005
        4209474             6.3725          N                      491.76               491.76              7/29/2005
        4209497             5.8725          N                      291.62               291.62              7/27/2005
        4209529             5.7475          N                     1169.12              1169.12              6/20/2005
        4209540             5.9975          N                     1521.44              1521.44              6/15/2005
        4209552             5.6225          N                      678.49               678.49              6/20/2005
        4209569             5.6225          N                      842.35               842.35              6/22/2005
        4209582             5.6225          N                      456.67               456.67              6/20/2005
        4209672             5.6225          N                      556.64               556.64              6/22/2005
        4209725             5.4975          N                      507.71               507.71              7/19/2005
        4209916             5.8725          Y                      555.97               555.97              7/26/2005
        4209977             5.4975          N                     1123.38              1123.38              7/21/2005
        4210037             5.4975          Y                      512.09               512.09              7/21/2005
        4210095             6.2475          N                      456.36               456.36              7/22/2005
        4210256             5.9975          N                      768.42               768.42              7/26/2005
        4210438             5.7475          N                      1880.2               1880.2              7/29/2005
        4210581             5.8725          N                      455.71               455.71              7/29/2005
        4210733             5.6225          N                      511.09               511.09              6/22/2005
        4210741             5.2475          N                      871.56               871.56              6/21/2005
        4210777             5.9975          N                     1859.47              1859.47              6/21/2005
        4210826             5.9975          N                      692.68               692.68              6/22/2005
        4210841             5.3725          N                     1087.41              1087.41              6/24/2005
        4210881             5.7475          N                      450.87               450.87              7/19/2005
        4211028             5.9975          N                     1077.51              1077.51              7/26/2005
        4211702             5.6225          Y                      811.89               811.89              7/22/2005
        4211798             5.3725          N                     1508.23              1508.23              7/26/2005
        4211840             6.2475          N                     1163.01              1163.01              7/19/2005
        4212102             5.6225          N                      1112.1               1112.1              7/28/2005
        4212204             6.2475          N                      627.02               627.02              7/27/2005
        4212226             5.6225          N                      514.17               514.17              7/20/2005
        4212240             5.7475          N                     1139.15              1139.15              6/24/2005
        4212300             5.6225          N                      887.31               887.31              7/27/2005
        4212305             6.1225          N                      696.24               696.24              7/29/2005
        4212494             5.8725          N                      1045.1               1045.1              7/22/2005
        4212716             5.2475          N                     1067.45              1067.45               8/2/2005
        4213140             5.6225          N                      686.19               686.19              7/26/2005
        4213409             6.1225          N                       640.1                640.1              7/29/2005
        4213598             6.6225          Y                      177.38               177.38              7/25/2005
        4213680             6.2475          N                      480.38               480.38               7/8/2005
        4213722             5.8725          N                      787.47               787.47               8/3/2005
        4213767             5.3725          N                      644.74               644.74              7/18/2005
        4213887             5.6225          N                      946.47               946.47              7/22/2005
        4213954             5.9975          N                      923.58               923.58              6/30/2005
        4214784             5.4975          N                     1318.88              1318.88              7/18/2005
        4214992             6.4975          N                      207.56               207.56              7/28/2005
        4215145             5.9975          N                      349.73               349.73              7/29/2005
        4215337             5.6755          Y                      328.48               328.48              7/25/2005
        4215767             6.2475          N                       616.9                616.9              7/22/2005
        4215834             6.6225          N                     1138.79              1138.79              7/29/2005
        4216298             5.2475          N                      799.45               799.45              7/25/2005
        4217020             5.7475          N                     1318.42              1318.42              7/22/2005
        4217058             6.1225          N                      451.69               451.69              7/28/2005
        4217176             5.4975          N                     1437.93              1437.93              7/20/2005
        4217240             5.3725          N                     1079.36              1079.36               8/1/2005
        4217513             5.3725          N                     1583.06              1583.06              7/22/2005
        4217581             5.3725          N                      598.69               598.69              7/28/2005
        4217879             5.6225          N                     1123.93              1123.93               8/2/2005
        4217885             5.6225          N                     1123.93              1123.93               8/2/2005
        4217913             6.1225          Y                      758.01               758.01              6/14/2005
        4217944             5.9975          N                     1169.87              1169.87              7/26/2005
        4218292             5.6225          N                     1106.18              1106.18              6/21/2005
        4218322             5.7475          N                     1668.85              1668.85              6/28/2005
        4218412             5.9975          N                      541.84               541.84              6/15/2005
        4218481             5.8725          N                      573.58               573.58              6/27/2005
        4218728             5.8725          N                      805.09               805.09              7/27/2005
        4218757             6.6225          N                      451.97               451.97              7/27/2005
        4218912             5.9975          Y                      592.94               592.94              7/22/2005
        4219341             6.4975          N                        1759                 1759              7/18/2005
        4219642             6.1225          Y                      280.74               280.74              6/22/2005
        4219648             5.9975          N                     1083.66              1083.66              6/28/2005
        4219688             5.4975          N                      922.05               922.05              7/26/2005
        4219757             5.7475          N                      571.98               571.98              7/27/2005
        4219767             5.4975          N                      653.61               653.61               8/3/2005
        4219771             5.2475          N                      420.17               420.17              7/29/2005
        4220268             5.6225          N                      789.71               789.71              7/26/2005
        4220415             5.6225          Y                     1171.25              1171.25              7/29/2005
        4221289             5.8725          N                      680.53               680.53              7/27/2005
        4222046             6.6225          N                      381.02               381.02              7/22/2005
        4222635             5.9975          N                      533.52               533.52              7/28/2005
        4222871             6.3725          N                      518.09               518.09               8/1/2005
        4223067             5.4975          N                       714.3                714.3              7/22/2005
        4223115             5.4975          N                      428.93               428.93              7/29/2005
        4223246             6.1225          N                      299.46               299.46              7/28/2005
        4223261             5.7475          N                      497.63               497.63              7/29/2005
        4223305             6.1225          N                      306.33               306.33              7/28/2005
        4223995             5.3725          N                      708.06               708.06              6/28/2005
        4224025             5.9975          N                         713                  713              6/13/2005
        4224037             5.6225          N                     1002.66              1002.66              6/22/2005
        4224280             5.6225          N                      778.47               778.47              7/28/2005
        4224307             6.1225          N                      630.42               630.42              6/30/2005
        4225035             5.7475          N                      359.29               359.29               8/1/2005
        4225979             5.8725          N                      729.14               729.14              7/27/2005
        4226117             5.9975          N                     1034.41              1034.41              7/20/2005
        4226331             5.3725          N                      596.39               596.39              7/27/2005
        4226337             5.2475          N                      567.79               567.79              6/29/2005
        4226419             6.1225          N                     1550.32              1550.32              7/19/2005
        4226453             5.9975          N                       300.7                300.7              7/28/2005
        4226467             5.3725          N                     1131.17              1131.17              7/29/2005
        4226685             5.6225          N                      532.39               532.39              6/24/2005
        4226853             6.1225          N                     1247.74              1247.74              6/27/2005
        4226861             5.4975          N                       774.7                774.7              6/17/2005
        4227376             5.8725          N                      548.98               548.98              6/27/2005
        4227403             5.3725          N                      819.74               819.74              6/24/2005
        4227692             6.2475          N                      493.02               493.02              7/26/2005
        4227725             6.6225          Y                      892.77               892.77              7/25/2005
        4228904             5.6225          N                     1242.23              1242.23               8/3/2005
        4229463             5.8725          N                       558.4                558.4              6/30/2005
        4229566             5.3725          N                      826.07               826.07               7/1/2005
        4229632             5.7475          N                       671.5                671.5              6/28/2005
        4229844             5.6225          N                      865.13               865.13              7/26/2005
        4230040             5.3725          N                      719.57               719.57              6/30/2005
        4230048             5.2475          N                     2042.05              2042.05              6/23/2005
        4230074             5.6225          N                      738.24               738.24               7/5/2005
        4230249             6.2475          Y                      824.85               824.85              7/21/2005
        4230760             5.3725          N                      805.92               805.92               8/3/2005
        4230988             5.7475          N                      815.39               815.39               8/1/2005
        4231067             5.9975          Y                      745.33               745.33              7/27/2005
        4231709             6.6225          Y                      455.26               455.26              7/25/2005
        4232319             5.6225          N                      993.79               993.79               6/6/2005
        4232438             5.6225          N                     1183.08              1183.08              7/27/2005
        4232561             5.7475          N                      521.16               521.16              6/24/2005
        4232834             5.4975          N                      295.69               295.69               8/3/2005
        4232980             5.6225          N                     3549.23              3549.23              7/27/2005
        4233336             5.7475          N                      509.62               509.62              7/25/2005
        4233449             5.4975          N                     1217.92              1217.92              6/25/2005
        4233749             5.2475          N                     2042.05              2042.05              6/22/2005
        4234198             6.1225          N                      898.38               898.38              7/28/2005
        4234862             6.1225          N                      496.61               496.61              7/28/2005
        4234935             5.7475          N                      607.39               607.39              7/28/2005
        4235132             5.6225          N                     1126.29              1126.29              7/25/2005
        4235690             5.7475          N                      125.49               125.49               8/2/2005
        4235886             5.9975          N                       703.4                703.4              7/29/2005
        4235975             5.3725          N                      1180.1               1180.1               7/7/2005
        4235994             5.4975          N                      887.04               887.04               7/6/2005
        4236056             5.2475          N                     1249.14              1249.14              7/29/2005
        4236379             5.3725          N                      749.22               749.22              6/14/2005
        4236395             5.6225          N                     1116.83              1116.83               7/1/2005
        4236473             5.6225          N                     1478.85              1478.85               7/7/2005
        4236505             5.7475          N                      503.63               503.63              6/24/2005
        4236554             5.2475          N                     1171.46              1171.46              6/30/2005
        4236976             6.4975          N                      726.43               726.43               8/1/2005
        4237297             6.1225          N                      771.58               771.58              7/27/2005
        4237533             5.9975          N                      467.95               467.95              6/29/2005
        4237554             5.6225          N                      1265.9               1265.9              6/20/2005
        4237614             5.1225          N                      576.78               576.78              7/26/2005
        4237637             5.4975          N                      840.35               840.35               7/5/2005
        4237817             6.2475          N                     1213.58              1213.58              7/28/2005
        4238288             5.6225          N                         979                  979              6/30/2005
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        4238447             6.4975          N                      441.05               441.05              7/29/2005
        4238477             5.9975          N                      184.72               184.72               7/7/2005
        4238501             5.7475          N                      575.57               575.57               7/7/2005
        4238747             5.3725          N                      193.42               193.42              6/24/2005
        4239031             6.3725          N                      345.77               345.77              6/27/2005
        4239992             6.4975          N                      646.98               646.98              6/29/2005
        4240188             5.6225          N                      534.76               534.76               8/2/2005
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        4240426             5.6225          N                     2127.47              2127.47               8/1/2005
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        4240803             5.6225          N                      1035.2               1035.2              6/20/2005
        4241335             5.6225          N                     1183.08              1183.08              6/22/2005
        4241448             5.6225          N                       615.2                615.2              6/17/2005
        4243282             5.6225          N                      780.83               780.83              7/29/2005
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        3380341             5.9975          N                     1436.98              1436.98               8/2/2005
        3380437             5.6225          N                      783.33               783.33              8/15/2005
        3381000             5.6225          N                     1096.28              1096.28              8/11/2005
        3871775             5.2475          N                     1337.21              1337.21               8/1/2005
        4017212             6.2475          N                     1735.31              1735.31               8/1/2005
        4094948             5.3725          N                      577.96               577.96              7/29/2005
        4119458             5.6225          N                     1081.98              1081.98               8/3/2005
        4128337             5.2475          N                      476.67               476.67              8/15/2005
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        4139505             5.2475          Y                      705.38               705.38              7/21/2005
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        4154129             5.1225          N                     1469.93              1469.93              8/11/2005
        4157822             5.3725          N                     1368.75              1368.75              8/10/2005
        4160790             5.3725          N                     1427.63              1427.63              8/15/2005
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        4166787             5.7475          N                        1420                 1420              8/12/2005
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        4169814             5.6225          N                      716.02               716.02               8/8/2005
        4172737             5.7475          N                     2036.56              2036.56              7/28/2005
        4172926             6.3725          N                     1457.06              1457.06              7/29/2005
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        4185816             5.4975          N                     1629.17              1629.17              7/28/2005
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        4202415             5.7475          N                         860                  860              8/15/2005
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        4203292             6.2475          N                      915.42               915.42               8/8/2005
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        4210479             5.2475          N                       953.1                953.1              7/29/2005
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        4212145             5.8725          N                      632.92               632.92               8/1/2005
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        4213481             5.8725          N                      1109.3               1109.3               8/8/2005
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        4215533             5.4975          N                       425.5                425.5               8/3/2005
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        4216138             5.6225          N                      665.83               665.83              7/29/2005
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        4217531             6.4975          N                         855                  855              7/26/2005
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        4220491             5.9975          N                         950                  950              8/15/2005
        4222638             5.6225          N                      838.17               838.17              8/11/2005
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        4225100             5.4975          N                      476.77               476.77              7/29/2005
        4225757             5.4975          N                      912.33               912.33              8/17/2005
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        4231497             5.7475          N                         720                  720              7/28/2005
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        4233872             5.6225          N                       634.5                634.5              7/28/2005
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        4236362             6.4975          Y                     1412.98              1412.98              8/15/2005
        4236695             5.9975          N                      897.92               897.92              8/11/2005
        4236706             5.9975          N                      716.67               716.67               8/9/2005
        4237261             5.3725          N                     1125.14              1125.14               8/9/2005
        4237443             5.4975          Y                       970.1                970.1              8/12/2005
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        4252431             5.8725          N                     1968.66              1968.66               8/9/2005
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        4254606             5.4975          N                      790.63               790.63              8/12/2005
        4260943             5.6225          N                      536.19               536.19              8/16/2005
        4263521             5.8725          N                      894.25               894.25               8/8/2005
        4264183             5.4975          N                     1105.88              1105.88              8/12/2005
        4272887             5.9975          N                      1562.5               1562.5              8/15/2005
        4278227             5.4975          N                     1044.58              1044.58              8/10/2005
       19877208             4.6225          N                      985.89               985.89             10/24/2003
       52505336             5.1225          N                     1356.29              1356.29              9/12/2005
       53293197             5.8725          N                      672.53               672.53              8/22/2005
       53670964             5.4975          N                      605.28               605.28              8/10/2005
      141649053             4.3725          N                     1644.96              1644.96               8/1/2005
      143591105             5.7475          N                        2325                 2325               8/1/2005
      143880748             5.4975          N                      787.58               787.58              9/16/2005
      144849387             5.2475          N                     4436.67              4436.67               7/1/2005
      145116877             5.2475          Y                     1361.25              1361.25              6/27/2005
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      147582035             5.3725          N                      2062.5               2062.5              9/13/2005
       44766495             5.6225          Y                     2241.07              2241.07               8/9/2005
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       62916973             5.6225          N                     9301.47              9301.47               7/9/2004
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       64731607             5.1225          N                     3665.53              3665.53              9/15/2005
       86061303             5.4975          N                     3460.59              3460.59               9/6/2005
       86531511             5.4975          N                     2668.33              2668.33               9/8/2005
       91044603             5.6225          N                     4895.83              4895.83               9/8/2005
       92847149             5.8725          N                     2552.08              2552.08              8/26/2005
       92890099             5.6225          N                     2493.96              2493.96              8/15/2005
       93569952             5.3725          N                     3324.89              3324.89              6/27/2005
       93921268             5.1225          N                     2817.25              2817.25               8/4/2005
       94078392             5.3725          N                     1892.57              1892.57               8/1/2005
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      112583649             5.6225          N                     2454.44              2454.44              8/30/2005
      112585161             5.4975          N                     1974.17              1974.17               9/1/2005
      112592322             5.2475          N                        2255                 2255               9/1/2005
      112593178             5.7475          N                     3249.75              3249.75               9/1/2005
      112614899             5.8725          N                     1857.92              1857.92              8/23/2005
      112642244             5.8725          N                      1837.5               1837.5               9/2/2005
      112642716             5.6225          N                     2608.68              2608.68               9/6/2005
      112642828             5.6225          N                     2398.96              2398.96              9/12/2005
      112646244             6.2475          N                     2903.33              2903.33               9/2/2005
      112646260             5.9975          Y                     1875.26              1875.26              9/15/2005
      112659646             5.9975          N                     2603.13              2603.13              8/29/2005
      112676906             5.3725          N                     1792.97              1792.97              8/24/2005
      112682703             5.8725          N                      1837.5               1837.5               9/7/2005
      112704747             5.3725          N                      4162.5               4162.5              8/26/2005
      112710132             5.4975          N                     3584.17              3584.17               9/1/2005
      112714156             5.8725          N                        2156                 2156              8/30/2005
      112716613             5.6225          N                     3090.25              3090.25              8/30/2005
      112722029             5.7475          N                        1800                 1800               9/1/2005
      112726399             5.6225          N                     2668.23              2668.23              8/31/2005
      112760094             5.3725          N                     2132.81              2132.81              8/30/2005
      112765118             5.7475          N                        2975                 2975               9/1/2005
      112765158             5.4975          N                        3105                 3105              8/31/2005
      112773224             5.6225          N                      3059.9               3059.9               9/6/2005
      112779727             5.7475          N                        1860                 1860              8/24/2005
      112779880             5.3725          N                        1875                 1875              8/31/2005
      112839212             6.2475          N                     2599.99              2599.99               9/9/2005
      112867694             5.8725          N                     1984.46              1984.46               9/2/2005
      112876913             5.3725          N                        3165                 3165               9/2/2005
      112880121             5.6225          N                     4895.83              4895.83               9/1/2005
      112880145             5.4975          N                     1866.83              1866.83              8/24/2005
      112880193             5.1225          N                     4115.55              4115.55               9/8/2005
      112882783             5.2475          N                     1822.33              1822.33               9/2/2005
      112884066             5.6225          N                     3250.83              3250.83               9/2/2005
      112886037             5.6225          N                     2447.92              2447.92               9/7/2005
      112891359             5.6225          N                     3052.55              3052.55               9/1/2005
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      112900544             5.7475          N                        2625                 2625               9/8/2005
      112913722             5.4975          N                      4197.5               4197.5              9/13/2005
      112934341             5.4975          N                     2267.82              2267.82              9/12/2005
      112963832             5.3725          N                     2456.25              2456.25               9/1/2005
      112964074             5.3725          N                      2212.5               2212.5              9/14/2005
      112978945             5.2475          N                     4582.93              4582.93               9/2/2005
      112979776             5.6225          N                      2232.5               2232.5               9/7/2005
      112979792             5.6225          N                     2154.17              2154.17              9/12/2005
      112985557             5.9975          N                        4375                 4375               9/8/2005
      112986696             5.4975          N                     1993.33              1993.33               9/2/2005
      112992117             5.6225          N                     2252.08              2252.08               9/1/2005
      112999451             5.6225          N                      4112.5               4112.5              9/14/2005
      113026984             5.4975          N                     4228.65              4228.65               9/8/2005
      113066824             5.4975          N                        2990                 2990               9/8/2005
      113076844             5.3725          N                     3035.16              3035.16               9/6/2005
      113084197             5.7475          N                      2377.5               2377.5              9/13/2005
      113086638             5.7475          N                        2400                 2400               9/8/2005
      113106656             5.7475          N                        2960                 2960               9/1/2005
      113107058             5.2475          N                     1833.33              1833.33              9/12/2005
      113108669             5.7475          N                        1995                 1995               9/1/2005
      113108677             5.2475          N                     1686.67              1686.67               9/6/2005
      113112013             5.4975          N                     2549.17              2549.17               9/6/2005
      113120353             5.3725          N                      2674.9               2674.9               9/7/2005
      113127373             5.7475          N                        1900                 1900               9/7/2005
      113134313             5.6225          N                     2790.63              2790.63               9/9/2005
      113161382             5.7475          N                        3956                 3956               9/7/2005
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      113168000             5.4975          N                     2654.58              2654.58               9/1/2005
      113219205             5.2475          N                     1833.33              1833.33               9/2/2005
      113230385             5.6225          N                     3549.48              3549.48               9/2/2005
      113230409             5.4975          N                     3114.58              3114.58              9/12/2005
      113237024             5.4975          N                      2063.6               2063.6               9/1/2005
      113241735             5.4975          N                     2941.21              2941.21               9/2/2005
      113246580             5.6225          N                      2467.5               2467.5              8/25/2005
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      113277722             5.7475          N                        2625                 2625               9/2/2005
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      113282259             5.7475          N                        4995                 4995              8/30/2005
      113286027             5.4975          N                      2242.5               2242.5              8/31/2005
      113302685             5.6225          N                     3270.42              3270.42               9/7/2005
      113305093             6.1225          N                     2401.25              2401.25               9/8/2005
      113333598             5.2475          N                     1847.08              1847.08               9/2/2005
      113340902             5.2475          N                     2980.89              2980.89              9/14/2005
      113347236             5.3725          N                     2282.81              2282.81               9/1/2005
      113355559             5.2475          N                        2420                 2420              9/16/2005
      113355591             5.9975          N                     2343.75              2343.75              9/12/2005
      113363482             5.3725          N                     2043.75              2043.75               9/7/2005
      113368593             5.6225          N                        1927                 1927               9/7/2005
      113407440             5.4975          N                     4676.67              4676.67               9/7/2005
      113426764             6.2475          N                     5416.67              5416.67              8/31/2005
      113426957             5.4975          N                     2368.28              2368.28               9/6/2005
      113433604             5.4975          N                     2830.33              2830.33               9/8/2005
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      113454000             5.6225          N                     1840.83              1840.83              9/14/2005
      113454419             5.6225          N                     3720.83              3720.83               9/1/2005
      113476807             5.6225          N                     2154.17              2154.17               9/2/2005
      113476879             5.2475          N                     3139.58              3139.58               9/9/2005
      113497771             5.4975          N                     4260.08              4260.08               9/6/2005
      113565566             5.6225          N                     4308.33              4308.33               9/6/2005
      113566797             5.8725          N                     3793.42              3793.42              8/31/2005
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      113623685             5.4975          N                     2050.83              2050.83               9/8/2005
      113641233             5.7475          N                        1820                 1820              8/30/2005
      113717608             5.3725          N                      6786.7               6786.7              9/14/2005
      113744303             5.3725          N                     1856.25              1856.25              9/12/2005
      113756257             5.6225          N                     2565.42              2565.42               9/9/2005
      113759234             5.4975          N                     4595.21              4595.21              9/12/2005
      113843205             6.1225          N                        2159                 2159               9/8/2005
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      113874960             5.2475          N                     4583.33              4583.33               9/9/2005
      113876104             5.1225          N                     3323.54              3323.54              9/14/2005
      113901213             5.2475          N                     2892.54              2892.54              9/13/2005
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      113934876             5.4975          N                     3034.58              3034.58              9/14/2005
      113952457             5.3725          N                        2475                 2475               9/9/2005
      113964358             5.7475          N                        2980                 2980              9/12/2005
      114165800             5.3725          N                     3431.25              3431.25               9/8/2005
      114223317             5.6225          N                     2271.67              2271.67              9/14/2005
       44573459             5.6225          Y                      1859.5               1859.5              9/12/2005
       80628063             5.7475          N                     2997.75              2997.75               9/7/2005
       80662067             5.2475          N                     3131.68              3131.68              8/29/2005
       90119973             5.4975          N                       14375                14375              6/24/2005
       92316219             5.6225          N                     2886.58              2886.58               9/7/2005
       94734500             5.8725          N                     3081.64              3081.64              7/27/2005
      101771811             5.4975          N                        3335                 3335              9/22/2005
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      102483390             5.4975          N                     8906.75              8906.75              9/27/2005
      103151965             5.6225          N                     3182.29              3182.29              7/13/2005
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      103802766             5.6225          N                     3035.42              3035.42               8/3/2005
      103971027             5.6225          N                     2154.17              2154.17              9/13/2005
      104082329             5.6225          N                     4883.35              4883.35              8/25/2005
      104127457             5.4975          N                      1865.4               1865.4              8/31/2005
      104195793             5.7475          N                        3800                 3800              9/15/2005
      104271467             5.4975          N                     6489.33              6489.33              9/15/2005
      104408160             5.7475          N                        2770                 2770               9/9/2005
      104429107             4.9975          N                     3294.38              3294.38              8/24/2005
      104453718             5.4975          N                     2395.83              2395.83               9/9/2005
      104608097             5.6225          N                     2124.79              2124.79              9/12/2005
      104644702             5.7475          N                        2436                 2436               9/9/2005
      104659864             6.2475          N                     3520.83              3520.83              9/15/2005
      104664873             5.4975          N                     1993.33              1993.33               9/2/2005
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      104853933             5.1225          N                     4479.16              4479.16              9/12/2005
      104962394             5.4975          N                      2661.1               2661.1               9/9/2005
      104968698             5.4975          N                     3151.29              3151.29               9/9/2005
      105096986             5.4975          N                        2507                 2507              9/15/2005
      105121822             5.2475          N                     3679.27              3679.27               9/9/2005
      105248189             5.7475          N                        5400                 5400               8/9/2005
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      105500077             5.2475          N                     2271.16              2271.16               9/8/2005
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      105595744             5.7475          N                        7500                 7500               8/4/2005
      105665689             5.4975          N                     2755.21              2755.21               9/1/2005
      105665761             5.4975          N                     1796.88              1796.88              8/26/2005
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      105761077             5.9975          N                     2316.93              2316.93              9/15/2005
      107498606             5.2475          N                        2475                 2475              9/23/2005
      107974533             5.6225          N                    12422.29             12422.29              6/29/2005
      109074234             5.3725          N                      9921.8               9921.8              6/28/2005
      109075306             5.4975          N                     1767.17              1767.17              9/15/2005
      109797397             5.4975          Y                     2258.14              2258.14              9/23/2005
      109981923             5.8725          N                     2245.83              2245.83              9/20/2005
      110018706             5.6225          N                     1990.52              1990.52              9/23/2005
      110056579             5.2475          N                     1906.67              1906.67              9/23/2005
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      110175796             5.1225          N                     1791.67              1791.67              9/19/2005
      110249343             5.6225          N                     1801.67              1801.67              9/22/2005
      110355617             5.7475          N                        2730                 2730               9/7/2005
      110461176             5.9975          N                      2062.5               2062.5              9/22/2005
      110972745             5.6225          N                      2232.5               2232.5              9/20/2005
      111043422             5.3725          N                      4687.5               4687.5               9/1/2005
      111366258             5.2475          N                     2126.67              2126.67              9/23/2005
      111755025             5.8725          N                     2072.29              2072.29              9/15/2005
      111891563             5.9975          N                     2654.97              2654.97              9/27/2005
      112104420             4.8725          N                     6333.65              6333.65              9/22/2005
      112145303             5.3725          N                        1740                 1740              9/14/2005
      112166914             5.4975          N                     2639.34              2639.34              9/16/2005
      112363404             5.9975          N                     5052.08              5052.08              9/22/2005
      112388259             5.6225          N                     1944.63              1944.63              9/19/2005
      112443555             5.7475          N                     2393.41              2393.41              9/28/2005
      112449934             5.6225          N                     5678.76              5678.76              9/19/2005
      112615085             5.7475          N                      2476.3               2476.3              9/27/2005
      112664446             5.6225          N                     2229.43              2229.43              9/23/2005
      112676658             5.1225          N                     2239.88              2239.88              9/19/2005
      112749192             5.2475          N                     3974.52              3974.52              9/21/2005
      112873870             5.1225          N                        1720                 1720              9/20/2005
      112917746             5.4975          N                     4001.04              4001.04              8/30/2005
      113037740             5.7475          N                        1950                 1950              9/16/2005
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      113099888             5.6225          N                     2271.18              2271.18              9/15/2005
      113144660             5.3725          N                     2109.38              2109.38              9/20/2005
      113180676             5.4975          N                     3114.58              3114.58              9/14/2005
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      113231277             5.6225          N                     1958.33              1958.33              9/16/2005
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      113323150             5.3725          N                     3453.94              3453.94              9/21/2005
      113352656             5.6225          N                     2291.25              2291.25              9/26/2005
      113467909             5.6225          N                     1883.92              1883.92              9/22/2005
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      113509656             5.4975          N                     1916.67              1916.67              9/23/2005
      113643065             5.4975          N                     2467.71              2467.71              9/19/2005
      113643492             6.1225          N                     3453.13              3453.13              9/21/2005
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      113706172             5.2475          N                     2548.33              2548.33              9/26/2005
      113766523             5.3725          N                        2505                 2505              9/19/2005
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      114171717             5.4975          N                     1954.57              1954.57              9/20/2005
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      115095642             5.8725          N                     3317.71              3317.71              9/26/2005

loanid                   fpdate                paid2date            mtdate               appval
----------------------------------------------------------------------------------------------------
         903506              9/1/2005             9/1/2005             8/1/2035               80000
         849581              9/1/2005             9/1/2005             8/1/2035              133900
         894850              9/1/2005             9/1/2005             8/1/2035              700000
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         905936              9/1/2005             9/1/2005             8/1/2035              185000
         900114              9/1/2005             9/1/2005             8/1/2035              455000
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         885510              9/1/2005            10/1/2005             8/1/2035              300000
         861964              9/1/2005             9/1/2005             8/1/2035              140000
         897604              9/1/2005             9/1/2005             8/1/2035             1200000
         915549              9/1/2005             9/1/2005             8/1/2035              129000
         887310              9/1/2005             9/1/2005             8/1/2035              329000
         899786              9/1/2005            10/1/2005             8/1/2035              110000
         903160              9/1/2005             9/1/2005             8/1/2035              449000
         881179              9/1/2005             9/1/2005             8/1/2035              100000
         870567              9/1/2005             9/1/2005             8/1/2035              400000
         888062              9/1/2005             9/1/2005             8/1/2035              435000
         911112              9/1/2005            10/1/2005             8/1/2035              440000
         891241              9/1/2005             9/1/2005             8/1/2035              639000
         897072              9/1/2005             9/1/2005             8/1/2035              700000
         920825              9/1/2005             9/1/2005             8/1/2035              244000
         918655              9/1/2005             9/1/2005             8/1/2035              300000
         904226              9/1/2005             9/1/2005             8/1/2035              199000
         911197              9/1/2005            10/1/2005             8/1/2035              270000
         905190              9/1/2005             9/1/2005             8/1/2035              150000
         905121              9/1/2005            10/1/2005             8/1/2035              118000
         902829              9/1/2005             9/1/2005             8/1/2035              315000
         887096              9/1/2005            10/1/2005             8/1/2035              229000
         907408              9/1/2005            10/1/2005             8/1/2035              255000
         885682              9/1/2005            10/1/2005             8/1/2035              134000
         907988              9/1/2005             9/1/2005             8/1/2035              292000
         873196              9/1/2005             9/1/2005             8/1/2035              525000
         905459              9/1/2005             9/1/2005             8/1/2035              105000
         910445              9/1/2005            10/1/2005             8/1/2035              131400
         861959              9/1/2005             9/1/2005             8/1/2035              300000
         905736              9/1/2005             9/1/2005             8/1/2035              525000
         917651              9/1/2005             9/1/2005             8/1/2035              365000
         922168              9/1/2005            10/1/2005             8/1/2035               99000
         886283              9/1/2005             9/1/2005             8/1/2035              225000
         913550              9/1/2005             9/1/2005             8/1/2035              420000
         901054              9/1/2005             9/1/2005             8/1/2035              385000
         921611              9/1/2005             9/1/2005             8/1/2035              133000
         916861              9/1/2005             9/1/2005             8/1/2035              223000
         923390              9/1/2005             9/1/2005             8/1/2035              197000
         905221              9/1/2005             9/1/2005             8/1/2035              657000
         904719              9/1/2005            10/1/2005             8/1/2035               91000
         910376              9/1/2005             9/1/2005             8/1/2035              172000
         920459              9/1/2005             9/1/2005             8/1/2035              466000
         889969              9/1/2005             9/1/2005             8/1/2035               78000
         894006              9/1/2005             9/1/2005             8/1/2035              300900
         912263              9/1/2005             9/1/2005             8/1/2035              240000
         841883              9/1/2005             9/1/2005             8/1/2035              692000
         889237              9/1/2005             9/1/2005             8/1/2035              260000
         921219              9/1/2005             9/1/2005             8/1/2035              235000
         918552              9/1/2005             9/1/2005             8/1/2035              530000
         921255              9/1/2005             9/1/2005             8/1/2035              360000
         891691              9/1/2005            10/1/2005             8/1/2035              515000
         907767              9/1/2005             9/1/2005             8/1/2035               51000
         930174              9/1/2005             9/1/2005             8/1/2035              233000
         888454              9/1/2005            10/1/2005             8/1/2035              485000
         910475              9/1/2005             9/1/2005             8/1/2035              350000
         919246              9/1/2005             9/1/2005             8/1/2035              308000
         919444              9/1/2005             9/1/2005             8/1/2035              193000
         909136              9/1/2005             9/1/2005             8/1/2035              364100
         912400              9/1/2005             9/1/2005             8/1/2035              305000
         913574              9/1/2005             9/1/2005             8/1/2035              145000
         909294              9/1/2005            10/1/2005             8/1/2035              384000
         909345              9/1/2005             9/1/2005             8/1/2035              133000
         909362              9/1/2005             9/1/2005             8/1/2035              125000
         884274              9/1/2005             9/1/2005             8/1/2035              154000
         904836              9/1/2005             9/1/2005             8/1/2035              270000
         920735              9/1/2005             9/1/2005             8/1/2035              120000
         895517              9/1/2005             9/1/2005             8/1/2035               63000
         930842              9/1/2005            10/1/2005             8/1/2035              390000
         914128              9/1/2005             9/1/2005             8/1/2035              125000
         899366              9/1/2005            10/1/2005             8/1/2035              286000
         899117              9/1/2005             9/1/2005             8/1/2035              140000
         875461              9/1/2005            10/1/2005             8/1/2035              215000
         892234              9/1/2005             9/1/2005             8/1/2035              156000
         874019              9/1/2005             9/1/2005             8/1/2035              438000
         836080              9/1/2005             9/1/2005             8/1/2035              184000
         900507              9/1/2005             9/1/2005             8/1/2035              335000
         916775              9/1/2005            10/1/2005             8/1/2035              690000
         927293              9/1/2005             9/1/2005             8/1/2035              265000
         924449              9/1/2005             9/1/2005             8/1/2035              381000
         915602              9/1/2005             9/1/2005             8/1/2035              167000
         926157              9/1/2005             9/1/2005             8/1/2035              177000
         890255              9/1/2005             9/1/2005             8/1/2035               93000
         864317              9/1/2005             9/1/2005             8/1/2035             1200000
         914636              9/1/2005             9/1/2005             8/1/2035              360000
         856643              9/1/2005            10/1/2005             8/1/2035             1075000
         922831              9/1/2005             9/1/2005             8/1/2035              402000
         883304              9/1/2005            10/1/2005             8/1/2035              360000
         926360              9/1/2005             9/1/2005             8/1/2035              134000
         906571              9/1/2005             9/1/2005             8/1/2035              450000
         897033              9/1/2005             9/1/2005             8/1/2035              605000
         910966              9/1/2005             9/1/2005             8/1/2035               69000
         906082              9/1/2005             9/1/2005             8/1/2035              217000
         874425              9/1/2005             9/1/2005             8/1/2035              470000
         861766              9/1/2005             9/1/2005             8/1/2035              116000
         913397              9/1/2005             9/1/2005             8/1/2035              500000
         926381              9/1/2005             9/1/2005             8/1/2035              320000
         914970              9/1/2005             9/1/2005             8/1/2035              110000
         914058              9/1/2005             9/1/2005             8/1/2035              650000
         877162              9/1/2005             9/1/2005             8/1/2035              565000
         911026              9/1/2005             9/1/2005             8/1/2035              310000
         877698              9/1/2005             9/1/2005             8/1/2035              238000
         907013              9/1/2005            10/1/2005             8/1/2035              415000
         863299              9/1/2005             9/1/2005             8/1/2035              273000
         931501              9/1/2005            10/1/2005             8/1/2035              585000
         903844              9/1/2005             9/1/2005             8/1/2035              265000
         905430              9/1/2005             9/1/2005             8/1/2035              390000
         919895              9/1/2005             9/1/2005             8/1/2035              215000
         899079              9/1/2005             9/1/2005             8/1/2035              280000
         921113              9/1/2005             9/1/2005             8/1/2035              245000
         925440              9/1/2005            10/1/2005             8/1/2035              171000
         922642              9/1/2005             9/1/2005             8/1/2035               95000
         924701              9/1/2005            10/1/2005             8/1/2035              106000
         734928              9/1/2005             9/1/2005             8/1/2035              375000
         891699              9/1/2005             9/1/2005             8/1/2035              635000
         926092              9/1/2005             9/1/2005             8/1/2035              122029
         894963              9/1/2005             9/1/2005             8/1/2035              252500
         909131              9/1/2005            10/1/2005             8/1/2035              220000
         909973              9/1/2005             9/1/2005             8/1/2035              700000
         913074              9/1/2005             9/1/2005             8/1/2035              215000
         914621              9/1/2005            10/1/2005             8/1/2035              290000
         885528              9/1/2005            10/1/2005             8/1/2035              416000
         889302              9/1/2005             9/1/2005             8/1/2035              148500
         903005              9/1/2005             9/1/2005             8/1/2035              360000
         910147              9/1/2005             9/1/2005             8/1/2035              430000
         872394              9/1/2005             9/1/2005             8/1/2035              365000
         880109              9/1/2005             9/1/2005             8/1/2035              460000
         909424              9/1/2005             9/1/2005             8/1/2035              210000
         916027              9/1/2005             9/1/2005             8/1/2035              170000
         927081              9/1/2005            10/1/2005             8/1/2035              240000
         915672              9/1/2005             9/1/2005             8/1/2035               90000
         867194              9/1/2005             9/1/2005             8/1/2035               45000
         936171              9/1/2005             9/1/2005             8/1/2035              319000
         890142              9/1/2005             9/1/2005             8/1/2035              139000
         905881              9/1/2005             9/1/2005             8/1/2035              415000
         864731              9/1/2005             9/1/2005             8/1/2035               45000
         938518              9/1/2005             9/1/2005             8/1/2035               44000
         901424              9/1/2005            10/1/2005             8/1/2035              600000
         928723              9/1/2005             9/1/2005             8/1/2035              185000
         911935              9/1/2005             9/1/2005             8/1/2035              730000
         915108              9/1/2005             9/1/2005             8/1/2035              330000
         913996              9/1/2005             9/1/2005             8/1/2035              246000
         893650              9/1/2005             9/1/2005             8/1/2035              617000
         913595              9/1/2005             9/1/2005             8/1/2035              190000
         915073              9/1/2005             9/1/2005             8/1/2035              290000
         893619              9/1/2005            10/1/2005             8/1/2035              200000
         926224              9/1/2005            10/1/2005             8/1/2035              195000
         913519              9/1/2005             9/1/2005             8/1/2035              323000
         886067              9/1/2005            10/1/2005             8/1/2035               58200
         922900              9/1/2005            10/1/2005             8/1/2035               84500
         909218              9/1/2005             9/1/2005             8/1/2035              335000
         926281              9/1/2005             9/1/2005             8/1/2035              150000
         920319              9/1/2005            10/1/2005             8/1/2035              210000
         875172              9/1/2005             9/1/2005             8/1/2035              815000
         926184              9/1/2005             9/1/2005             8/1/2035              763000
         920506              9/1/2005            10/1/2005             8/1/2035              300000
         933098              9/1/2005             9/1/2005             8/1/2035              127950
         926274              9/1/2005             9/1/2005             8/1/2035              172000
         902285              9/1/2005             9/1/2005             8/1/2035              369000
         933650              9/1/2005             9/1/2005             8/1/2035              109000
         917779              9/1/2005             9/1/2005             8/1/2035              155000
         906440              9/1/2005             9/1/2005             8/1/2035              374000
         935111              9/1/2005            10/1/2005             8/1/2035               71000
         899279              9/1/2005             9/1/2005             8/1/2035              131000
         913653              9/1/2005             9/1/2005             8/1/2035              286000
         906341              9/1/2005             9/1/2005             8/1/2035              213000
         932792              9/1/2005             9/1/2005             8/1/2035              298000
         885681              9/1/2005             9/1/2005             8/1/2035              585000
         875099              9/1/2005             9/1/2005             8/1/2035              116000
         912219              9/1/2005             9/1/2005             8/1/2035              179000
         912155              9/1/2005             9/1/2005             8/1/2035              130000
         897172              9/1/2005             9/1/2005             8/1/2035              146500
         912813              9/1/2005             9/1/2005             8/1/2035              730000
         917766              9/1/2005            10/1/2005             8/1/2035              160000
         904251              9/1/2005             9/1/2005             8/1/2035              293000
         852765              9/1/2005            10/1/2005             8/1/2035              177000
         929479              9/1/2005            10/1/2005             8/1/2035              505000
         919922              9/1/2005             9/1/2005             8/1/2035              370000
         878520              9/1/2005             9/1/2005             8/1/2035              360000
         926930              9/1/2005             9/1/2005             8/1/2035              500000
         916927              9/1/2005             9/1/2005             8/1/2035               91000
         879337              9/1/2005             9/1/2005             8/1/2035              365000
         925782              9/1/2005             9/1/2005             8/1/2035              370000
         901026              9/1/2005             9/1/2005             8/1/2035              925000
         915246              9/1/2005             9/1/2005             8/1/2035              225000
         881730              9/1/2005            10/1/2005             8/1/2035              725000
         902539              9/1/2005             9/1/2005             8/1/2035              355000
         902179              9/1/2005             9/1/2005             8/1/2035              700000
         924626              9/1/2005             9/1/2005             8/1/2035               74900
         923453              9/1/2005             9/1/2005             8/1/2035              240000
         916373              9/1/2005             9/1/2005             8/1/2035              225000
         935079              9/1/2005             9/1/2005             8/1/2035              225000
         928191              9/1/2005             9/1/2005             8/1/2035               94000
         846004              9/1/2005             9/1/2005             8/1/2035              660000
         894130              9/1/2005            10/1/2005             8/1/2035              930000
         888597              9/1/2005             9/1/2005             8/1/2035              350000
         925712              9/1/2005            10/1/2005             8/1/2035              163000
         919390              9/1/2005            10/1/2005             8/1/2035              675000
         911214              9/1/2005            10/1/2005             8/1/2035               70000
         888508              9/1/2005             9/1/2005             8/1/2035              675000
         848223              9/1/2005             9/1/2005             8/1/2035               87000
         913862              9/1/2005             9/1/2005             8/1/2035              270000
         904504              9/1/2005            10/1/2005             8/1/2035              235000
         917709              9/1/2005             9/1/2005             8/1/2035              350000
         884230              9/1/2005             9/1/2005             8/1/2035             1950000
         935722              9/1/2005             9/1/2005             8/1/2035              295000
         930259              9/1/2005            10/1/2005             8/1/2035              255000
         928309              9/1/2005            10/1/2005             8/1/2035              144000
         893700              9/1/2005             9/1/2005             8/1/2035              525000
         910962              9/1/2005             9/1/2005             8/1/2035              300000
         933706              9/1/2005             9/1/2005             8/1/2035              405000
         864057              9/1/2005             9/1/2005             8/1/2035              587000
         926988              9/1/2005            10/1/2005             8/1/2035              130000
         916572              9/1/2005            10/1/2005             8/1/2035              225000
         940505              9/1/2005            10/1/2005             8/1/2035              139000
         801938              9/1/2005             9/1/2005             8/1/2035              295000
         920197              9/1/2005            10/1/2005             8/1/2035              141000
         935667              9/1/2005             9/1/2005             8/1/2035              178000
         911845              9/1/2005             9/1/2005             8/1/2035              220000
         901004              9/1/2005             9/1/2005             8/1/2035              202000
         926614              9/1/2005             9/1/2005             8/1/2035              160000
         905265              9/1/2005             9/1/2005             8/1/2035              117000
         920447              9/1/2005             9/1/2005             8/1/2035              300000
         910996              9/1/2005             9/1/2005             8/1/2035              103000
         931217              9/1/2005            10/1/2005             8/1/2035              281000
         905996              9/1/2005            10/1/2005             8/1/2035              207500
         921433              9/1/2005             9/1/2005             8/1/2035              131000
         937503              9/1/2005             9/1/2005             8/1/2035              100000
         913773              9/1/2005             9/1/2005             8/1/2035              159000
         925402              9/1/2005            11/1/2005             8/1/2035              435000
         927047              9/1/2005             9/1/2005             8/1/2035              273000
         933936              9/1/2005             9/1/2005             8/1/2035              214000
         921035              9/1/2005             9/1/2005             8/1/2035              279000
         920669              9/1/2005             9/1/2005             8/1/2035              579000
         904983              9/1/2005             9/1/2005             8/1/2035              165000
         934849              9/1/2005             9/1/2005             8/1/2035              134000
         937801              9/1/2005            10/1/2005             8/1/2035              280000
         911988              9/1/2005            10/1/2005             8/1/2035               56000
         920739              9/1/2005             9/1/2005             8/1/2035              381000
         846822              9/1/2005             9/1/2005             8/1/2035             1165000
         885619              9/1/2005             9/1/2005             8/1/2035              315000
         916339              9/1/2005            10/1/2005             8/1/2035              215000
         936392              9/1/2005            10/1/2005             8/1/2035               70000
         919861              9/1/2005            10/1/2005             8/1/2035               90000
         808676              9/1/2005             9/1/2005             8/1/2035              255000
         938399              9/1/2005            10/1/2005             8/1/2035               50000
         913319              9/1/2005             9/1/2005             8/1/2035              105000
         915471              9/1/2005            10/1/2005             8/1/2035              235000
         926111              9/1/2005             9/1/2005             8/1/2035              350000
         910672              9/1/2005             9/1/2005             8/1/2035              112000
         937934              9/1/2005             9/1/2005             8/1/2035              413000
         949025              9/1/2005             9/1/2005             8/1/2035              265000
         913790              9/1/2005             9/1/2005             8/1/2035              390000
         866564              9/1/2005             9/1/2005             8/1/2035              100000
         953956              9/1/2005             9/1/2005             8/1/2035               90000
         917694              9/1/2005             9/1/2005             8/1/2035              150000
         929819              9/1/2005            10/1/2005             8/1/2035              235000
         939170              9/1/2005             9/1/2005             8/1/2035               94000
         947165              9/1/2005             9/1/2005             8/1/2035              283000
         904029              9/1/2005            10/1/2005             8/1/2035              480000
         873491              9/1/2005             9/1/2005             8/1/2035              400000
         936339              9/1/2005            10/1/2005             8/1/2035              720000
         856209              9/1/2005             9/1/2005             8/1/2035              525000
         891529              9/1/2005             9/1/2005             8/1/2035              550000
         928775              9/1/2005            10/1/2005             8/1/2035              261000
         931198              9/1/2005             9/1/2005             8/1/2035              380000
         927094              9/1/2005             9/1/2005             8/1/2035              255000
         923878              9/1/2005             9/1/2005             8/1/2035              445000
         923336              9/1/2005            10/1/2005             8/1/2035              340000
         931238              9/1/2005             9/1/2005             8/1/2035              230000
         948731              9/1/2005             9/1/2005             8/1/2035              365000
         939183              9/1/2005            10/1/2005             8/1/2035              665000
         933570              9/1/2005            10/1/2005             8/1/2035              272000
         896218              9/1/2005            10/1/2005             8/1/2035              218000
         934391              9/1/2005             9/1/2005             8/1/2035              161500
         930274              9/1/2005             9/1/2005             8/1/2035              585000
         904254              9/1/2005             9/1/2005             8/1/2035              265000
         934113              9/1/2005            10/1/2005             8/1/2035               95000
         932610              9/1/2005            10/1/2005             8/1/2035              190000
         932153              9/1/2005            10/1/2005             8/1/2035              770000
         897386              9/1/2005             9/1/2005             8/1/2035              197700
         934339              9/1/2005             9/1/2005             8/1/2035              175000
         919316              9/1/2005            10/1/2005             8/1/2035              700000
         930788              9/1/2005             9/1/2005             8/1/2035              345000
         903928              9/1/2005             9/1/2005             8/1/2035              129900
         930785              9/1/2005             9/1/2005             8/1/2035              325000
         930778              9/1/2005             9/1/2005             8/1/2035              305000
         930781              9/1/2005             9/1/2005             8/1/2035              360000
         937762              9/1/2005             9/1/2005             8/1/2035              247000
         932451              9/1/2005             9/1/2005             8/1/2035              210000
         914923              9/1/2005             9/1/2005             8/1/2035              245000
         920140              9/1/2005             9/1/2005             8/1/2035              130000
         924386              9/1/2005             9/1/2005             8/1/2035              200000
         883828              9/1/2005            10/1/2005             8/1/2035              360000
         930341              9/1/2005            10/1/2005             8/1/2035              175000
         946865              9/1/2005             9/1/2005             8/1/2035              237500
         921380              9/1/2005             9/1/2005             8/1/2035              247500
         900823              9/1/2005            10/1/2005             8/1/2035              255000
         897029              9/1/2005            10/1/2005             8/1/2035               68600
         892963              9/1/2005             9/1/2005             8/1/2035              182000
         882252              9/1/2005            10/1/2005             8/1/2035              342500
         900735              9/1/2005             9/1/2005             8/1/2035              650000
         918004              9/1/2005             9/1/2005             8/1/2035              116000
         938412              9/1/2005            12/1/2005             8/1/2035              147000
         883039              9/1/2005             9/1/2005             8/1/2035              265000
         936110              9/1/2005             9/1/2005             8/1/2035              135000
         901349              9/1/2005             9/1/2005             8/1/2035              720000
         920405              9/1/2005             9/1/2005             8/1/2035              347000
         943945              9/1/2005            10/1/2005             8/1/2035              105000
         926817              9/1/2005             9/1/2005             8/1/2035              810000
         932052              9/1/2005             9/1/2005             8/1/2035              229000
         932404              9/1/2005             9/1/2005             8/1/2035              339000
         904340              9/1/2005             9/1/2005             8/1/2035              465000
         920171              9/1/2005             9/1/2005             8/1/2035              295000
         936153              9/1/2005             9/1/2005             8/1/2035              190000
         920101              9/1/2005            10/1/2005             8/1/2035              256000
         915367              9/1/2005             9/1/2005             8/1/2035              160000
         900611              9/1/2005             9/1/2005             8/1/2035              275000
         938247              9/1/2005             9/1/2005             8/1/2035              116000
         935090              9/1/2005             9/1/2005             8/1/2035              520000
         948195              9/1/2005            10/1/2005             8/1/2035              132000
         925046              9/1/2005             9/1/2005             8/1/2035              150000
         933691              9/1/2005             9/1/2005             8/1/2035               97100
         866903              9/1/2005            10/1/2005             8/1/2035              535000
         925137              9/1/2005             9/1/2005             8/1/2035              750000
         902629              9/1/2005             9/1/2005             8/1/2035              380000
         933546              9/1/2005             9/1/2005             8/1/2035              366000
         923704              9/1/2005             9/1/2005             8/1/2035              325000
         935572              9/1/2005             9/1/2005             8/1/2035              569000
         924698              9/1/2005             9/1/2005             8/1/2035              232000
         922738              9/1/2005            10/1/2005             8/1/2035              310000
         934956              9/1/2005             9/1/2005             8/1/2035              163000
         932240              9/1/2005            10/1/2005             8/1/2035              140000
         924773              9/1/2005             9/1/2005             8/1/2035              680000
         948737              9/1/2005             9/1/2005             8/1/2035               90000
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         848748              9/1/2005             9/1/2005             8/1/2035              101500
         848696              9/1/2005             9/1/2005             8/1/2035               66000
         848720              9/1/2005             9/1/2005             8/1/2035               99000
         848658              9/1/2005             9/1/2005             8/1/2035               62000
         848743              9/1/2005             9/1/2005             8/1/2035               81000
         848729              9/1/2005             9/1/2005             8/1/2035              103000
         912763              9/1/2005             9/1/2005             8/1/2035              295000
         892890              9/1/2005             9/1/2005             8/1/2035              333000
         921758              9/1/2005            10/1/2005             8/1/2035              200000
         875571              9/1/2005             9/1/2005             8/1/2035              217000
         900917              9/1/2005             9/1/2005             8/1/2035              240000
         906164              9/1/2005             9/1/2005             8/1/2035              725000
         851017              9/1/2005             9/1/2005             8/1/2035              278000
         890572              9/1/2005            10/1/2005             8/1/2035              400000
         925874              9/1/2005             9/1/2005             8/1/2035              166000
         895089              9/1/2005             9/1/2005             8/1/2035              340000
         935468              9/1/2005             9/1/2005             8/1/2035              177500
         898650              9/1/2005             9/1/2005             8/1/2035              425000
         913534              9/1/2005            10/1/2005             8/1/2035              365000
         906192              9/1/2005             9/1/2005             8/1/2035              270000
         917999              9/1/2005             9/1/2005             8/1/2035              191000
         912665              9/1/2005             9/1/2005             8/1/2035              125000
         924810              9/1/2005             9/1/2005             8/1/2035              184000
         919337              9/1/2005             9/1/2005             8/1/2035              342000
         919761              9/1/2005             9/1/2005             8/1/2035              264000
         917539              9/1/2005            10/1/2005             8/1/2035              240000
         899496              9/1/2005             9/1/2005             8/1/2035              450000
         896206              9/1/2005             9/1/2005             8/1/2035              260000
         925187              9/1/2005            10/1/2005             8/1/2035              245000
         922845              9/1/2005            10/1/2005             8/1/2035              276000
         927984              9/1/2005             9/1/2005             8/1/2035              590000
         890117              9/1/2005             9/1/2005             8/1/2035              150000
         907127              9/1/2005             9/1/2005             8/1/2035              605000
         870159              9/1/2005             9/1/2005             8/1/2035              133000
         876900              9/1/2005             9/1/2005             8/1/2035              110000
         876904              9/1/2005             9/1/2005             8/1/2035              100000
         856793              9/1/2005             9/1/2005             8/1/2035               65000
         872976              9/1/2005             9/1/2005             8/1/2035              630000
         934154              9/1/2005             9/1/2005             8/1/2035              680000
         912419              9/1/2005             9/1/2005             8/1/2035              153000
         908782              9/1/2005             9/1/2005             8/1/2035              370000
         933418              9/1/2005             9/1/2005             8/1/2035               67500
         918978              9/1/2005             9/1/2005             8/1/2035              212500
         921118              9/1/2005            10/1/2005             8/1/2035              292500
         898868              9/1/2005             9/1/2005             8/1/2035              399000
         902475              9/1/2005             9/1/2005             8/1/2035              105000
         917375              9/1/2005             9/1/2005             8/1/2035              110000
         917461              9/1/2005             9/1/2005             8/1/2035              110000
         920461              9/1/2005             9/1/2005             8/1/2035              178500
         840267              9/1/2005             9/1/2005             8/1/2035               73500
         908650              9/1/2005            10/1/2005             8/1/2035              663000
         906555              9/1/2005             9/1/2005             8/1/2035              515000
         910044              9/1/2005             9/1/2005             8/1/2035              385000
         919395              9/1/2005            10/1/2005             8/1/2035              355000
         906245              9/1/2005            10/1/2005             8/1/2035              228000
         927987              9/1/2005             9/1/2005             8/1/2035               76000
         928595              9/1/2005             9/1/2005             8/1/2035              181500
         900039              9/1/2005             9/1/2005             8/1/2035              218000
         917813              9/1/2005             9/1/2005             8/1/2035              188950
         915596              9/1/2005             9/1/2005             8/1/2035              358000
         906010              9/1/2005             9/1/2005             8/1/2035              377000
         892608              9/1/2005             9/1/2005             8/1/2035              599000
         937487              9/1/2005             9/1/2005             8/1/2035              245000
         920056              9/1/2005             9/1/2005             8/1/2035              208000
         903247              9/1/2005             9/1/2005             8/1/2035              905000
         928003              9/1/2005            10/1/2005             8/1/2035              325000
         913527              9/1/2005             9/1/2005             8/1/2035              460000
         928060              9/1/2005             9/1/2005             8/1/2035              198000
         926014              9/1/2005            10/1/2005             8/1/2035              505000
         929206              9/1/2005            10/1/2005             8/1/2035              126500
         902806              9/1/2005             9/1/2005             8/1/2035              187500
         927595              9/1/2005             9/1/2005             8/1/2035              330000
         929210              9/1/2005             9/1/2005             8/1/2035              299000
         916610              9/1/2005             9/1/2005             8/1/2035              338856
         920686              9/1/2005            10/1/2005             8/1/2035              390000
         869035              9/1/2005             9/1/2005             8/1/2035              650000
         901725              9/1/2005             9/1/2005             8/1/2035              650000
         900892              9/1/2005             9/1/2005             8/1/2035              260000
         909955              9/1/2005             9/1/2005             8/1/2035              555000
         772144              9/1/2005             9/1/2005             8/1/2035              515000
         920649              9/1/2005             9/1/2005             8/1/2035              150000
         926340              9/1/2005            10/1/2005             8/1/2035              205000
         793814              9/1/2005            10/1/2005             8/1/2035              190500
         911932              9/1/2005            10/1/2005             8/1/2035              260000
         758739              9/1/2005             9/1/2005             8/1/2035              143000
         910875              9/1/2005             9/1/2005             8/1/2035              229000
         920004              9/1/2005             9/1/2005             8/1/2035              900000
         899492              9/1/2005             9/1/2005             8/1/2035              270000
         925385              9/1/2005             9/1/2005             8/1/2035              307000
         859356              9/1/2005             9/1/2005             8/1/2035              528000
         929722              9/1/2005            10/1/2005             8/1/2035              580000
         866666              9/1/2005             9/1/2005             8/1/2035              212000
         902772              9/1/2005             9/1/2005             8/1/2035              622000
         939062              9/1/2005             9/1/2005             8/1/2035              145000
         893903              9/1/2005             9/1/2005             8/1/2035              955000
         911962              9/1/2005             9/1/2005             8/1/2035              335000
         898504              9/1/2005             9/1/2005             8/1/2035              241000
         907624              9/1/2005            10/1/2005             8/1/2035              325000
         928859              9/1/2005             9/1/2005             8/1/2035              140000
         911536              9/1/2005             9/1/2005             8/1/2035              360000
         924921              9/1/2005             9/1/2005             8/1/2035              320000
         925584              9/1/2005            10/1/2005             8/1/2035              125000
         886464              9/1/2005             9/1/2005             8/1/2035              160000
         914690              9/1/2005             9/1/2005             8/1/2035              430000
         916293              9/1/2005             9/1/2005             8/1/2035              200000
         912012              9/1/2005             9/1/2005             8/1/2035              202000
         911693              9/1/2005             9/1/2005             8/1/2035              401000
         918368              9/1/2005             9/1/2005             8/1/2035              225000
         848467              9/1/2005            10/1/2005             8/1/2035              194800
         891499              9/1/2005             9/1/2005             8/1/2035              517000
         925481              9/1/2005            10/1/2005             8/1/2035              124000
         923865              9/1/2005             9/1/2005             8/1/2035              420000
         777986              9/1/2005             9/1/2005             8/1/2035              155552
         920017              9/1/2005             9/1/2005             8/1/2035              335000
         923637              9/1/2005             9/1/2005             8/1/2035              390000
         899216              9/1/2005             9/1/2005             8/1/2035              950000
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         914593              9/1/2005            10/1/2005             8/1/2035              400000
         914741              9/1/2005             9/1/2005             8/1/2035              383000
         938047              9/1/2005             9/1/2005             8/1/2035              283000
         941918              9/1/2005            10/1/2005             8/1/2035              182000
         903473              9/1/2005             9/1/2005             8/1/2035              178000
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         917192              9/1/2005             9/1/2005             8/1/2035              305000
         833274              9/1/2005             9/1/2005             8/1/2035              217000
         922675              9/1/2005             9/1/2005             8/1/2035              264000
         906289              9/1/2005             9/1/2005             8/1/2035              180000
         938489              9/1/2005             9/1/2005             8/1/2035              142500
         912880              9/1/2005            10/1/2005             8/1/2035              190000
         921375              9/1/2005             9/1/2005             8/1/2035              438500
         919458              9/1/2005             9/1/2005             8/1/2035              385000
         901733              9/1/2005             9/1/2005             8/1/2035              162000
         877886              9/1/2005             9/1/2005             8/1/2035              660000
         897788              9/1/2005             9/1/2005             8/1/2035             2025000
         901517              9/1/2005            10/1/2005             8/1/2035              258000
         944804              9/1/2005             9/1/2005             8/1/2035              200000
         907571              9/1/2005            10/1/2005             8/1/2035              240000
         928399              9/1/2005            10/1/2005             8/1/2035              315000
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         917014              9/1/2005             9/1/2005             8/1/2035              334000
         899082              9/1/2005             9/1/2005             8/1/2035              335000
         940293              9/1/2005             9/1/2005             8/1/2035              158000
         917557              9/1/2005             9/1/2005             8/1/2035              525000
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         902469              9/1/2005             9/1/2005             8/1/2035              275000
         940643              9/1/2005             9/1/2005             8/1/2035              525000
         934040              9/1/2005             9/1/2005             8/1/2035              208500
         875502              9/1/2005             9/1/2005             8/1/2035              597885
         923601              9/1/2005             9/1/2005             8/1/2035              238000
         918200              9/1/2005            10/1/2005             8/1/2035              213559
         928137              9/1/2005             9/1/2005             8/1/2035              128000
         923451              9/1/2005            10/1/2005             8/1/2035              187000
         911847              9/1/2005             9/1/2005             8/1/2035              555000
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         922905              9/1/2005             9/1/2005             8/1/2035              660000
         880788              9/1/2005             9/1/2005             8/1/2035              870000
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         918247              9/1/2005            10/1/2005             8/1/2035              350000
         932680              9/1/2005             9/1/2005             8/1/2035              186000
         849572              9/1/2005             9/1/2005             8/1/2035               91500
         908103              9/1/2005            10/1/2005             8/1/2035              143500
         920003              9/1/2005            10/1/2005             8/1/2035              113000
         917369              9/1/2005             9/1/2005             8/1/2035              413000
         928557              9/1/2005             9/1/2005             8/1/2035              116000
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         938982              9/1/2005             9/1/2005             8/1/2035              208000
         919747              9/1/2005             9/1/2005             8/1/2035              315000
         911868              9/1/2005            10/1/2005             8/1/2035             1500000
         932627              9/1/2005             9/1/2005             8/1/2035               73000
         919265              9/1/2005             9/1/2005             8/1/2035              590000
         887600              9/1/2005            10/1/2005             8/1/2035              335000
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         923213              9/1/2005            10/1/2005             8/1/2035              260000
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         905518              9/1/2005             9/1/2005             8/1/2035              350000
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         917979              9/1/2005             9/1/2005             8/1/2035              871000
         930794              9/1/2005             9/1/2005             8/1/2035              585000
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         917110              9/1/2005             9/1/2005             8/1/2035              218300
         900398              9/1/2005            10/1/2005             8/1/2035              685000
         919277              9/1/2005            10/1/2005             8/1/2035              128000
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         940989              9/1/2005             9/1/2005             8/1/2035              555000
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         920665              9/1/2005             9/1/2005             8/1/2035              172000
         940948              9/1/2005             9/1/2005             8/1/2035              470000
         921582              9/1/2005             9/1/2005             8/1/2035              832000
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         939156              9/1/2005             9/1/2005             8/1/2035              225000
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         934333              9/1/2005            10/1/2005             8/1/2035              270000
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         934590              9/1/2005             9/1/2005             8/1/2035              324990
         929570              9/1/2005             9/1/2005             8/1/2035              625000
         835352              9/1/2005             9/1/2005             8/1/2035              151000
         898930              9/1/2005             9/1/2005             8/1/2035              660000
         906522              9/1/2005            10/1/2005             8/1/2035              587000
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         934287              9/1/2005             9/1/2005             8/1/2035              825000
         929093              9/1/2005            10/1/2005             8/1/2035              353000
         934149              9/1/2005            10/1/2005             8/1/2035              227500
         947286              9/1/2005             9/1/2005             8/1/2035              300000
         938913              9/1/2005             9/1/2005             8/1/2035              179500
         930594              9/1/2005             9/1/2005             8/1/2035              389000
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         926307              9/1/2005            10/1/2005             8/1/2035              320000
         761029              9/1/2005            10/1/2005             8/1/2035              520000
         934051              9/1/2005             9/1/2005             8/1/2035              263300
         913670              9/1/2005             9/1/2005             8/1/2035              336000
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         893080              9/1/2005             9/1/2005             8/1/2035              198000
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         934093              9/1/2005             9/1/2005             8/1/2035              360000
         926176              9/1/2005             9/1/2005             8/1/2035              255000
         934407              9/1/2005            10/1/2005             8/1/2035              665000
         903826              9/1/2005             9/1/2005             8/1/2035              681000
         909623              9/1/2005             9/1/2005             8/1/2035              144200
         933854              9/1/2005             9/1/2005             8/1/2035              300000
         897041              9/1/2005            10/1/2005             8/1/2035              254000
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         919428              9/1/2005            10/1/2005             8/1/2035              285000
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         856657              9/1/2005            10/1/2005             8/1/2035               57000
         884712              9/1/2005            10/1/2005             8/1/2035              350000
         951067              9/1/2005            10/1/2005             8/1/2035               81000
         920380              9/1/2005             9/1/2005             8/1/2035              304000
         920919              9/1/2005             9/1/2005             8/1/2035              270000
         929248              9/1/2005             9/1/2005             8/1/2035              160000
         933628              9/1/2005             9/1/2005             8/1/2035              200000
         913570             10/1/2005             9/1/2005             9/1/2035              115000
         934856              9/1/2005            10/1/2005             8/1/2035              128000
         892467              9/1/2005            10/1/2005             8/1/2035              280000
         932108              9/1/2005            10/1/2005             8/1/2035              865000
         921300              9/1/2005            10/1/2005             8/1/2035              200000
         933777              9/1/2005            10/1/2005             8/1/2035              368140
         942470              9/1/2005             9/1/2005             8/1/2035              170000
         885497              9/1/2005             9/1/2005             8/1/2035              228000
         915703              9/1/2005             9/1/2005             8/1/2035              171000
         924758              9/1/2005             9/1/2005             8/1/2035              240000
         947834              9/1/2005            10/1/2005             8/1/2035              288000
         930162              9/1/2005             9/1/2005             8/1/2035              238000
         898605              9/1/2005             9/1/2005             8/1/2035              338000
         917060              9/1/2005            10/1/2005             8/1/2035              460000
         930397              9/1/2005            10/1/2005             8/1/2035              427000
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         921625              9/1/2005             9/1/2005             8/1/2035              300000
         914832             10/1/2005             9/1/2005             9/1/2035              230000
         921781              9/1/2005             9/1/2005             8/1/2035              228500
         923998              9/1/2005             9/1/2005             8/1/2035              355000
         939036              9/1/2005             9/1/2005             8/1/2035              182500
         951305              9/1/2005             9/1/2005             8/1/2035              418000
         928487              9/1/2005            10/1/2005             8/1/2035              250000
         925932              9/1/2005             9/1/2005             8/1/2035              285000
         896105             10/1/2005             9/1/2005             9/1/2035              984000
         925053             10/1/2005             9/1/2005             9/1/2035             1295000
         923996             10/1/2005             9/1/2005             9/1/2035              280000
         924160             10/1/2005             9/1/2005             9/1/2035              900000
         895647             10/1/2005             9/1/2005             9/1/2035              440000
         924985             10/1/2005             9/1/2005             9/1/2035              249900
         941033             10/1/2005             9/1/2005             9/1/2035              222500
         926901             10/1/2005             9/1/2005             9/1/2035              850000
         936876             10/1/2005             9/1/2005             9/1/2035              112000
         924413             10/1/2005             9/1/2005             9/1/2035              302000
         901558             10/1/2005             9/1/2005             9/1/2035              212500
         873655             10/1/2005             9/1/2005             9/1/2035              357500
         928018             10/1/2005             9/1/2005             9/1/2035              182000
         927863             10/1/2005             9/1/2005             9/1/2035              815000
         929374              9/1/2005             9/1/2005             8/1/2035              210000
         942728             10/1/2005             9/1/2005             9/1/2035              223000
         940272             10/1/2005             9/1/2005             9/1/2035              228000
         918624             10/1/2005             9/1/2005             9/1/2035              250000
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     2002349103              2/1/2005             9/1/2005             1/1/2035              180000
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        4165022              9/1/2005             9/1/2005             8/1/2035              756000
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        4167132              9/1/2005             9/1/2005             8/1/2035              185000
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        4168601              9/1/2005             9/1/2005             8/1/2035              175000
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        4169721              9/1/2005             9/1/2005             8/1/2035               67000
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        4171975              8/1/2005             9/1/2005             7/1/2025              285000
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        4172394              9/1/2005            10/1/2005             8/1/2035              179000
        4172699              9/1/2005            10/1/2005             8/1/2035               70000
        4173005              9/1/2005             9/1/2005             8/1/2035              165000
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        4173403              9/1/2005             9/1/2005             8/1/2035               69000
        4173514              9/1/2005            11/1/2005             8/1/2035              135000
        4173696              9/1/2005             9/1/2005             8/1/2035              530000
        4174057              9/1/2005             9/1/2005             8/1/2035              153000
        4174347              9/1/2005             9/1/2005             8/1/2035              320000
        4174408              9/1/2005             9/1/2005             8/1/2035              320000
        4174427              9/1/2005             9/1/2005             8/1/2035              275000
        4174448              9/1/2005             9/1/2005             8/1/2035              195000
        4174468              9/1/2005             9/1/2005             8/1/2035              170000
        4174596              9/1/2005             9/1/2005             8/1/2035              250000
        4174744              9/1/2005             9/1/2005             8/1/2035              111000
        4175262              8/1/2005             9/1/2005             7/1/2035              295000
        4175559              8/1/2005             9/1/2005             7/1/2035              112000
        4176504              9/1/2005             9/1/2005             8/1/2035               68000
        4176694              9/1/2005             9/1/2005             8/1/2035              136000
        4176768              9/1/2005            10/1/2005             8/1/2035              109000
        4176990              9/1/2005             9/1/2005             8/1/2035              148000
        4177120              9/1/2005             9/1/2005             8/1/2035              140000
        4177313              9/1/2005             9/1/2005             8/1/2035              315000
        4177426              9/1/2005             9/1/2005             8/1/2035               68000
        4178003              9/1/2005            10/1/2005             8/1/2035              610000
        4178063              8/1/2005             9/1/2005             7/1/2035              230000
        4178361              6/1/2005             9/1/2005             5/1/2035              165000
        4178657              6/1/2005             9/1/2005             5/1/2035              165000
        4179065             10/1/2005            10/1/2005             9/1/2035              116500
        4179096              9/1/2005             9/1/2005             8/1/2035              101000
        4179101             10/1/2005             9/1/2005             9/1/2035              350000
        4179274              9/1/2005             9/1/2005             8/1/2035               71000
        4179875              9/1/2005            10/1/2005             8/1/2035              126000
        4179995              8/1/2005             9/1/2005             7/1/2035              123000
        4180164              8/1/2005             9/1/2005             7/1/2035              220000
        4180244              8/1/2005             9/1/2005             7/1/2035              750000
        4180265              8/1/2005             9/1/2005             7/1/2035              190000
        4180294              9/1/2005             9/1/2005             8/1/2035              188000
        4180329              9/1/2005             9/1/2005             8/1/2035              142000
        4180370              9/1/2005             9/1/2005             8/1/2035              130000
        4180406              9/1/2005             9/1/2005             8/1/2035              208000
        4180660              8/1/2005             9/1/2005             7/1/2035              320000
        4180808              7/1/2005             9/1/2005             6/1/2035              234000
        4180836              6/1/2005             9/1/2005             5/1/2035              185000
        4181023              7/1/2005             9/1/2005             6/1/2035              161000
        4181028              9/1/2005             9/1/2005             8/1/2035              140000
        4181047              6/1/2005             9/1/2005             5/1/2035              361000
        4181056              7/1/2005            11/1/2005             6/1/2035               98000
        4181243              7/1/2005             9/1/2005             6/1/2035               87000
        4181535              9/1/2005             9/1/2005             8/1/2035              280000
        4181665              9/1/2005            10/1/2005             8/1/2035              243000
        4181861              9/1/2005             9/1/2005             8/1/2035              210000
        4182357              9/1/2005             9/1/2005             8/1/2035              140500
        4182408              9/1/2005             9/1/2005             8/1/2035              210000
        4182580              9/1/2005             9/1/2005             8/1/2035              125000
        4182827              9/1/2005             9/1/2005             8/1/2035              121000
        4182870              9/1/2005             9/1/2005             8/1/2035              127000
        4183058              9/1/2005            10/1/2005             8/1/2035              123000
        4183283              9/1/2005             9/1/2005             8/1/2035              220000
        4183317              9/1/2005             9/1/2005             8/1/2035               78000
        4183437              9/1/2005             9/1/2005             8/1/2035              540000
        4183679              6/1/2005             9/1/2005             5/1/2035              143000
        4183893              8/1/2005             9/1/2005             7/1/2035              345000
        4184147              9/1/2005             9/1/2005             8/1/2035              430000
        4184235              9/1/2005             9/1/2005             8/1/2035              284000
        4184384              9/1/2005            11/1/2005             8/1/2035               64000
        4184753              9/1/2005             9/1/2005             8/1/2035               60000
        4184879             10/1/2005             9/1/2005             9/1/2035               36450
        4184946              9/1/2005             9/1/2005             8/1/2035              340000
        4184961              9/1/2005            10/1/2005             8/1/2035              189000
        4185111              9/1/2005             9/1/2005             8/1/2035              192000
        4185363              9/1/2005             9/1/2005             8/1/2035               64000
        4185419              9/1/2005             9/1/2005             8/1/2033              113000
        4185443              9/1/2005             9/1/2005             8/1/2035              100000
        4185458              9/1/2005             9/1/2005             8/1/2035               81500
        4185537              9/1/2005             9/1/2005             8/1/2035               78500
        4185720              9/1/2005            10/1/2005             8/1/2035              125000
        4185956              9/1/2005             9/1/2005             8/1/2035              195000
        4185958              8/1/2005             9/1/2005             7/1/2035              242000
        4185976              9/1/2005            10/1/2005             8/1/2035              175000
        4186275              9/1/2005             9/1/2005             8/1/2035              106000
        4186491              9/1/2005             9/1/2005             8/1/2035               92000
        4186560              9/1/2005             9/1/2005             8/1/2035              850000
        4186565              9/1/2005             9/1/2005             8/1/2035              600000
        4186716              9/1/2005             9/1/2005             8/1/2035              159000
        4187131              9/1/2005             9/1/2005             8/1/2035              245000
        4187422              8/1/2005             9/1/2005             7/1/2035              147000
        4187616              8/1/2005             9/1/2005             7/1/2035              158000
        4187744              9/1/2005             9/1/2005             8/1/2035              148000
        4188185              9/1/2005             9/1/2005             8/1/2035              167000
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        4188423              9/1/2005             9/1/2005             8/1/2035               90000
        4188681              9/1/2005             9/1/2005             8/1/2035              375000
        4189049              9/1/2005            10/1/2005             8/1/2035               44000
        4189268              9/1/2005             9/1/2005             8/1/2035              280000
        4189396              9/1/2005             9/1/2005             8/1/2035              445000
        4189449              9/1/2005             9/1/2005             8/1/2035              196000
        4189476              9/1/2005             9/1/2005             8/1/2035              250000
        4189515              9/1/2005             9/1/2005             8/1/2035              340000
        4189519              9/1/2005             9/1/2005             8/1/2035              127000
        4189930              9/1/2005             9/1/2005             8/1/2035               75000
        4190067              9/1/2005             9/1/2005             8/1/2035              675000
        4190111              9/1/2005             9/1/2005             8/1/2035               79000
        4190217              9/1/2005             9/1/2005             8/1/2035              142000
        4190227              9/1/2005             9/1/2005             8/1/2035              580000
        4190440              8/1/2005            10/1/2005             7/1/2035              165000
        4190507              9/1/2005             9/1/2005             8/1/2035              299900
        4190539              9/1/2005             9/1/2005             8/1/2035              175000
        4190815              9/1/2005            10/1/2005             8/1/2035              389000
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        4191197              9/1/2005             9/1/2005             8/1/2035              166000
        4191278              9/1/2005            10/1/2005             8/1/2035               84000
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        4191340              9/1/2005             9/1/2005             8/1/2035              265000
        4191452              9/1/2005             9/1/2005             8/1/2035              132000
        4191453              9/1/2005             9/1/2005             8/1/2035              108500
        4191762              9/1/2005             9/1/2005             8/1/2035              105500
        4191820              9/1/2005             9/1/2005             8/1/2035              255000
        4192067              9/1/2005            10/1/2005             8/1/2035              115000
        4192155              9/1/2005             9/1/2005             8/1/2035              600000
        4192336              9/1/2005             9/1/2005             8/1/2035              600000
        4192353              9/1/2005             9/1/2005             8/1/2035              600000
        4192410              9/1/2005             9/1/2005             8/1/2035              186000
        4192473              9/1/2005             9/1/2005             8/1/2035              265000
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        4193535              8/1/2005             9/1/2005             7/1/2035              260000
        4193548              9/1/2005             9/1/2005             8/1/2035              271000
        4193568              9/1/2005             9/1/2005             8/1/2035              267000
        4193589              8/1/2005             9/1/2005             7/1/2035              119000
        4193644              9/1/2005             9/1/2005             8/1/2035              165000
        4193654              8/1/2005             9/1/2005             7/1/2035              210000
        4193658              9/1/2005             9/1/2005             8/1/2035              209000
        4193662              8/1/2005            10/1/2005             7/1/2035               80000
        4193679              8/1/2005             9/1/2005             2/1/2035              135000
        4193702              8/1/2005             9/1/2005             7/1/2035              170000
        4193703              8/1/2005            10/1/2005             7/1/2035              247000
        4193718              8/1/2005             9/1/2005             7/1/2035              175000
        4193742              8/1/2005            10/1/2005             7/1/2035              142000
        4193773              9/1/2005            10/1/2005             8/1/2035              142000
        4193774              8/1/2005             9/1/2005             7/1/2035              310000
        4193916              9/1/2005             9/1/2005             8/1/2035              193000
        4193925              9/1/2005             9/1/2005             8/1/2035               76000
        4194120              9/1/2005             9/1/2005             8/1/2035              195000
        4194297              9/1/2005             9/1/2005             8/1/2035              104000
        4194378              9/1/2005             9/1/2005             8/1/2035              225000
        4194530              9/1/2005             9/1/2005             8/1/2025              275000
        4194769              9/1/2005             9/1/2005             8/1/2035              143000
        4194796              9/1/2005             9/1/2005             8/1/2035              118000
        4194966              9/1/2005             9/1/2005             8/1/2035               54000
        4194999              9/1/2005             9/1/2005             8/1/2035               78000
        4195270              9/1/2005             9/1/2005             8/1/2035              103000
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        4195747              9/1/2005             9/1/2005             8/1/2035              295000
        4195787              9/1/2005             9/1/2005             8/1/2035              400000
        4196235              9/1/2005             9/1/2005             8/1/2035               80000
        4196409              9/1/2005             9/1/2005             8/1/2035              310000
        4196991              9/1/2005             9/1/2005             8/1/2035              148000
        4197014              9/1/2005            10/1/2005             8/1/2035              122000
        4197016              9/1/2005             9/1/2005             8/1/2035              637500
        4197041              9/1/2005             9/1/2005             8/1/2035              260000
        4197334              9/1/2005             9/1/2005             8/1/2035              316000
        4197832              9/1/2005             9/1/2005             8/1/2035              273000
        4197844              9/1/2005             9/1/2005             8/1/2035              273000
        4197897              9/1/2005             9/1/2005             8/1/2035              637500
        4198126              9/1/2005             9/1/2005             8/1/2035              600000
        4198127              7/1/2005             9/1/2005             6/1/2035              579000
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        4198238              9/1/2005             9/1/2005             8/1/2035              250000
        4198280              8/1/2005             9/1/2005             7/1/2035              730000
        4198528              9/1/2005             9/1/2005             8/1/2035              259000
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        4198595              9/1/2005             9/1/2005             8/1/2035              223000
        4198994              8/1/2005             9/1/2005             7/1/2035              870000
        4199005              8/1/2005             9/1/2005             7/1/2035              162000
        4199072              9/1/2005            10/1/2005             8/1/2035              260000
        4199460              9/1/2005             9/1/2005             8/1/2035              454000
        4199797              9/1/2005             9/1/2005             8/1/2035              120000
        4200178              9/1/2005             9/1/2005             8/1/2035               77500
        4200343              9/1/2005             9/1/2005             8/1/2035              385000
        4200483              9/1/2005             9/1/2005             8/1/2035              122000
        4200489              9/1/2005             9/1/2005             8/1/2035              122000
        4200623              9/1/2005             9/1/2005             8/1/2035              160000
        4200676              9/1/2005             9/1/2005             8/1/2035              265000
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        4201413              9/1/2005             9/1/2005             8/1/2035              155000
        4201645              9/1/2005             9/1/2005             8/1/2035              279000
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        4201935              8/1/2005            10/1/2005             7/1/2035              143000
        4201966              8/1/2005             9/1/2005             7/1/2035              183000
        4202001              8/1/2005             9/1/2005             7/1/2035              172000
        4202029              8/1/2005             9/1/2005             7/1/2035              100000
        4202068              9/1/2005             9/1/2005             8/1/2035              157000
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        4202320              9/1/2005             9/1/2005             8/1/2035              119000
        4202357              9/1/2005             9/1/2005             8/1/2035              175000
        4202379              9/1/2005             9/1/2005             8/1/2035              114000
        4202385              9/1/2005             9/1/2005             8/1/2035               51000
        4202741              9/1/2005             9/1/2005             8/1/2035              380000
        4202940              9/1/2005             9/1/2005             8/1/2035              117500
        4203036              9/1/2005             9/1/2005             8/1/2035              505000
        4203092              9/1/2005             9/1/2005             8/1/2035              102500
        4203187              9/1/2005             9/1/2005             8/1/2035              202000
        4203192              9/1/2005             9/1/2005             8/1/2035              127000
        4203298              9/1/2005             9/1/2005             8/1/2035              105000
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        4204039              9/1/2005             9/1/2005             8/1/2035               85000
        4204063              9/1/2005             9/1/2005             8/1/2035              259000
        4204117              9/1/2005             9/1/2005             8/1/2035              350000
        4204181             10/1/2005            10/1/2005             9/1/2035              103000
        4204266              9/1/2005             9/1/2005             8/1/2035               76700
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        4204799              8/1/2005             9/1/2005             7/1/2035              240000
        4204985              9/1/2005             9/1/2005             8/1/2035              260000
        4205058              9/1/2005             9/1/2005             8/1/2035              121000
        4205109              9/1/2005             9/1/2005             8/1/2035              237000
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        4205396              8/1/2005             9/1/2005             7/1/2035              114500
        4205404              8/1/2005             9/1/2005             7/1/2035              178000
        4205413              8/1/2005             9/1/2005             7/1/2035              177000
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        4205442              8/1/2005             9/1/2005             7/1/2035              218000
        4205481              8/1/2005             9/1/2005             7/1/2035              131000
        4205533              9/1/2005             9/1/2005             8/1/2035              132500
        4205542              9/1/2005             9/1/2005             8/1/2035              132500
        4205705              9/1/2005             9/1/2005             8/1/2035              256000
        4205747              9/1/2005             9/1/2005             8/1/2035              296000
        4205886             10/1/2005            10/1/2005             9/1/2035               65000
        4206330              9/1/2005             9/1/2005             8/1/2035              154000
        4206399              9/1/2005            10/1/2005             8/1/2035              112000
        4206601              8/1/2005             9/1/2005             7/1/2035              234000
        4206607              9/1/2005             9/1/2005             8/1/2035              137000
        4206785              9/1/2005             9/1/2005             8/1/2035              132000
        4206987              9/1/2005             9/1/2005             8/1/2035              190000
        4207229              9/1/2005             9/1/2005             8/1/2035              130000
        4207230              9/1/2005             9/1/2005             8/1/2035              134000
        4207307              9/1/2005            10/1/2005             8/1/2035              249700
        4207491              9/1/2005             9/1/2005             8/1/2035              312000
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        4207947              9/1/2005            10/1/2005             8/1/2035              125000
        4207997              9/1/2005            10/1/2005             8/1/2035              175000
        4208149              9/1/2005             9/1/2005             8/1/2035              128500
        4208165              9/1/2005             9/1/2005             8/1/2035              205000
        4208176              9/1/2005             9/1/2005             8/1/2035              320000
        4208695              9/1/2005             9/1/2005             8/1/2035               73000
        4208710              9/1/2005             9/1/2005             8/1/2035              118000
        4208713              9/1/2005             9/1/2005             8/1/2035              129000
        4209038              9/1/2005             9/1/2005             8/1/2035              107000
        4209185              9/1/2005             9/1/2005             8/1/2035              275000
        4209249              9/1/2005             9/1/2005             8/1/2035              106000
        4209260              9/1/2005             9/1/2005             8/1/2035              490000
        4209367              9/1/2005             9/1/2005             8/1/2035              153000
        4209428              8/1/2005             9/1/2005             7/1/2035              155000
        4209449              8/1/2005             9/1/2005             7/1/2035               88500
        4209456              9/1/2005             9/1/2005             8/1/2035              210000
        4209468              8/1/2005            10/1/2005             7/1/2035               60000
        4209474              9/1/2005             9/1/2005             8/1/2035               96000
        4209497              9/1/2005             9/1/2005             8/1/2035               60000
        4209529              8/1/2005             9/1/2005             7/1/2035              250000
        4209540              8/1/2005             9/1/2005             7/1/2035              310000
        4209552              8/1/2005             9/1/2005             7/1/2035              230000
        4209569              8/1/2005             9/1/2005             7/1/2035              178000
        4209582              8/1/2005             9/1/2005             7/1/2035              169000
        4209672              8/1/2005             9/1/2005             7/1/2035              119000
        4209725              9/1/2005             9/1/2005             8/1/2035              345000
        4209916              9/1/2005             9/1/2005             8/1/2035              112000
        4209977              9/1/2005             9/1/2005             8/1/2035              295000
        4210037              9/1/2005             9/1/2005             8/1/2035               97500
        4210095              9/1/2005             9/1/2005             8/1/2035               92000
        4210256              9/1/2005             9/1/2005             8/1/2035              156000
        4210438              9/1/2005             9/1/2005             8/1/2035              395000
        4210581              9/1/2005             9/1/2005             8/1/2035              115000
        4210733              8/1/2005             9/1/2005             7/1/2035              110000
        4210741              8/1/2005             9/1/2005             7/1/2035              220000
        4210777              8/1/2005             9/1/2005             7/1/2035              378000
        4210826              8/1/2005            10/1/2005             7/1/2035              150000
        4210841              8/1/2005             9/1/2005             7/1/2035              455000
        4210881              9/1/2005             9/1/2005             8/1/2035               97000
        4211028              9/1/2005             9/1/2005             8/1/2035              282000
        4211702              9/1/2005             9/1/2005             8/1/2035              153000
        4211798              9/1/2005             9/1/2005             8/1/2035              330000
        4211840              9/1/2005             9/1/2005             8/1/2035              230000
        4212102              9/1/2005             9/1/2005             8/1/2035              235000
        4212204              9/1/2005            10/1/2005             8/1/2035              130500
        4212226              9/1/2005             9/1/2005             8/1/2035              115000
        4212240              8/1/2005             9/1/2005             7/1/2035              259000
        4212300              9/1/2005             9/1/2005             8/1/2035              200000
        4212305              9/1/2005             9/1/2005             8/1/2035              179000
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loanid                   purchpr                ltvamt              ltvorig          doctype
-----------------------------------------------------------------------------------------------------------------------
         903506                      0               80000               80          FULL-FULL-VERIFIED
         849581                 127750              127750            74.99          STATED-FULL-VERIFIED
         894850                 689000              689000               70          FULL-FULL-VERIFIED
         916638                 179900              179900               70          FULL-FULL-VERIFIED
         905936                 162000              162000               80          FULL-FULL-VERIFIED
         900114                 455000              455000            59.34          NONE-NONE-NONE
         926418                 220000              220000               70          NONE-NONE-NONE
         885510                 294000              294000               80          NONE-FULL-VERIFIED
         861964                 137000              137000               80          STATED-FULL-VERIFIED
         897604                      0             1200000               70          STATED-FULL-VERIFIED
         915549                 123500              123500               70          STATED-STATED-VERIFIED
         887310                      0              329000            50.61          STATED-FULL-VERIFIED
         899786                      0              110000               70          STATED-FULL-VERIFIED
         903160                 449000              449000               80          STATED-FULL-VERIFIED
         881179                  99500               99500               70          STATED-STATED-VERIFIED
         870567                      0              400000               70          STATED-FULL-VERIFIED
         888062                      0              435000            66.21          STATED-FULL-VERIFIED
         911112                 430000              430000            67.09          FULL-FULL-VERIFIED
         891241                      0              639000            47.71          NONE-NONE-NONE
         897072                      0              700000            60.36          NONE-NONE-NONE
         920825                 245500              244000            61.07          NONE-NONE-NONE
         918655                      0              300000            66.33          NONE-NONE-NONE
         904226                 198000              198000             69.7          NONE-NONE-NONE
         911197                      0              270000               75          NONE-NONE-NONE
         905190                 295000              150000            66.67          NONE-FULL-VERIFIED
         905121                      0              118000            62.57          STATED-FULL-VERIFIED
         902829                 315000              315000               70          STATED-FULL-VERIFIED
         887096                      0              229000               80          STATED-FULL-VERIFIED
         907408                      0              255000               80          STATED-FULL-VERIFIED
         885682                 132000              132000               75          STATED-FULL-VERIFIED
         907988                      0              292000               85          STATED-FULL-VERIFIED
         873196                      0              525000             38.1          STATED-FULL-VERIFIED
         905459                      0              105000               70          STATED-FULL-VERIFIED
         910445                 129305              129305               80          STATED-FULL-VERIFIED
         861959                      0              300000            72.37          STATED-FULL-VERIFIED
         905736                      0              525000            68.38          STATED-STATED-VERIFIED
         917651                      0              365000               70          STATED-FULL-VERIFIED
         922168                      0               99000            75.25          FULL-FULL-VERIFIED
         886283                 218000              218000            53.67          NONE-NONE-NONE
         913550                 415000              415000               70          NONE-FULL-VERIFIED
         901054                 379900              379900               70          NONE-FULL-VERIFIED
         921611                 133000              133000            54.89          STATED-FULL-VERIFIED
         916861                 208000              208000               70          STATED-FULL-VERIFIED
         923390                 188030              188030            69.99          STATED-FULL-VERIFIED
         905221                 625000              625000               80          FULL-FULL-VERIFIED
         904719                  91000               91000               80          FULL-FULL-VERIFIED
         910376                      0              172000               70          FULL-FULL-VERIFIED
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         889969                  77900               77900               80          FULL-FULL-VERIFIED
         894006                      0              300900            75.81          FULL-FULL-VERIFIED
         912263                 240000              240000               70          FULL-FULL-VERIFIED
         841883                 692000              692000            49.42          NONE-NONE-NONE
         889237                      0              260000            52.92          NONE-NONE-NONE
         921219                      0              235000            62.98          NONE-NONE-NONE
         918552                      0              530000               70          NONE-NONE-NONE
         921255                 329900              329900            69.99          NONE-NONE-NONE
         891691                      0              515000            69.13          NONE-NONE-NONE
         907767                  51000               51000               70          NONE-NONE-NONE
         930174                 227235              227235            65.13          NONE-NONE-NONE
         888454                      0              485000               43          NONE-FULL-VERIFIED
         910475                 350000              350000               70          NONE-FULL-VERIFIED
         919246                      0              308000            69.16          STATED-FULL-VERIFIED
         919444                      0              193000               70          STATED-FULL-VERIFIED
         909136                 365000              364100            69.99          STATED-FULL-VERIFIED
         912400                      0              305000             71.8          STATED-FULL-VERIFIED
         913574                 135000              135000               70          STATED-FULL-VERIFIED
         909294                 384000              384000               80          STATED-FULL-VERIFIED
         909345                 133000              133000               70          STATED-FULL-VERIFIED
         909362                 125000              125000               70          STATED-FULL-VERIFIED
         884274                      0              154000            71.43          STATED-FULL-VERIFIED
         904836                 269900              269900            79.99          STATED-FULL-VERIFIED
         920735                      0              120000               80          FULL-FULL-VERIFIED
         895517                  62800               62800               70          FULL-FULL-VERIFIED
         930842                      0              390000            77.95          FULL-FULL-VERIFIED
         914128                 123900              123900               70          FULL-FULL-VERIFIED
         899366                 286000              286000            52.45          NONE-NONE-NONE
         899117                 140000              140000               70          NONE-NONE-NONE
         875461                 220500              215000               70          NONE-NONE-NONE
         892234                      0              156000            35.26          NONE-FULL-VERIFIED
         874019                      0              438000               80          NONE-FULL-VERIFIED
         836080                      0              184000            79.35          NONE-FULL-VERIFIED
         900507                      0              335000               80          STATED-FULL-VERIFIED
         916775                 690000              690000               80          STATED-FULL-VERIFIED
         927293                 264200              264200               70          STATED-FULL-VERIFIED
         924449                 380000              380000            31.58          STATED-FULL-VERIFIED
         915602                      0              167000               70          STATED-FULL-VERIFIED
         926157                      0              177000               70          STATED-FULL-VERIFIED
         890255                      0               93000               80          FULL-FULL-VERIFIED
         864317                      0             1200000            54.17          NONE-NONE-NONE
         914636                 350000              350000               70          NONE-NONE-NONE
         856643                      0             1075000            27.91          NONE-FULL-VERIFIED
         922831                      0              402000            63.43          NONE-FULL-VERIFIED
         883304                 360000              360000               65          NONE-FULL-VERIFIED
         926360                      0              134000               80          NONE-FULL-VERIFIED
         906571                      0              450000            79.92          NONE-FULL-VERIFIED
         897033                 590000              590000            63.67          STATED-FULL-VERIFIED
         910966                  65000               65000               70          STATED-STATED-VERIFIED
         906082                 217000              217000               70          STATED-FULL-VERIFIED
         874425                      0              470000               70          STATED-FULL-VERIFIED
         861766                      0              116000               80          STATED-FULL-VERIFIED
         913397                      0              500000               55          STATED-FULL-VERIFIED
         926381                      0              320000               70          STATED-FULL-VERIFIED
         914970                      0              110000               69          STATED-FULL-VERIFIED
         914058                 650000              650000               80          FULL-FULL-VERIFIED
         877162                      0              565000               80          FULL-FULL-VERIFIED
         911026                      0              310000               80          FULL-FULL-VERIFIED
         877698                 238000              238000               80          FULL-FULL-VERIFIED
         907013                      0              415000            48.19          FULL-FULL-VERIFIED
         863299                      0              273000             18.5          NONE-NONE-NONE
         931501                 565000              565000             29.2          NONE-NONE-NONE
         903844                      0              265000             56.6          NONE-NONE-NONE
         905430                      0              390000            59.23          NONE-NONE-NONE
         919895                      0              215000            63.02          NONE-NONE-NONE
         899079                      0              280000            69.64          NONE-NONE-NONE
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loanid                   origterm            ioflag          ioterm           index
-------------------------------------------------------------------------------------------------
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       40316603                 360          Y                   120          6 Month LIBOR
       40325882                 360          Y                   120          6 Month LIBOR
       40326240                 360          Y                   120          6 Month LIBOR
       40308909                 360          Y                   120          6 Month LIBOR
       40310701                 360          Y                   120          6 Month LIBOR
       40329476                 360          Y                   120          6 Month LIBOR
       40333575                 360          Y                   120          6 Month LIBOR
       40336137                 360          Y                   120          6 Month LIBOR
       40336389                 360          Y                   120          6 Month LIBOR
       40341661                 360          N                     0          6 Month LIBOR
       40298077                 360          N                     0          6 Month LIBOR
       40379646                 360          Y                   120          6 Month LIBOR
       40380823                 360          Y                   120          6 Month LIBOR
       40380804                 360          Y                   120          6 Month LIBOR
       40379234                 360          Y                    60          6 Month LIBOR
       40379771                 360          Y                   120          6 Month LIBOR
       40380386                 360          Y                   120          6 Month LIBOR
       40381469                 360          Y                   120          6 Month LIBOR
       40382585                 360          Y                   120          6 Month LIBOR
       40383427                 360          Y                   120          6 Month LIBOR
       40382908                 360          Y                   120          6 Month LIBOR
       40385002                 360          Y                   120          6 Month LIBOR
       40386187                 360          N                     0          6 Month LIBOR
       40387213                 360          Y                   120          6 Month LIBOR
       40302746                 360          Y                   120          6 Month LIBOR
       40332837                 360          Y                   120          6 Month LIBOR
       40332969                 360          Y                   120          6 Month LIBOR
       40333233                 360          Y                   120          6 Month LIBOR
       40334323                 360          Y                   120          6 Month LIBOR
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       40336626                 360          Y                   120          6 Month LIBOR
       40337218                 360          Y                   120          6 Month LIBOR
       40338926                 360          N                     0          6 Month LIBOR
       40339768                 360          Y                   120          6 Month LIBOR
       40340170                 360          Y                   120          6 Month LIBOR
       40340248                 360          N                     0          6 Month LIBOR
       40340512                 360          Y                   120          6 Month LIBOR
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       40341585                 360          Y                   120          6 Month LIBOR
       40341597                 360          Y                   120          6 Month LIBOR
       40341214                 360          Y                   120          6 Month LIBOR
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       40341350                 360          Y                   120          6 Month LIBOR
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       40346249                 360          Y                   120          6 Month LIBOR
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       40374569                 360          Y                   120          6 Month LIBOR
       40376989                 360          Y                   120          6 Month LIBOR
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       40376076                 360          Y                   120          6 Month LIBOR
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       40376578                 360          N                     0          1 Year LIBOR
       40376805                 360          Y                   120          6 Month LIBOR
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       40378545                 360          Y                   120          6 Month LIBOR
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       40376547                 360          N                     0          6 Month LIBOR
       40361087                 360          Y                   120          6 Month LIBOR
       40327068                 360          Y                   120          1 Year CMT
       40334928                 360          Y                   120          1 Year CMT
       40338612                 360          Y                    60          1 Year LIBOR
       40349901                 360          Y                    84          1 Year LIBOR
       40363593                 360          Y                   120          1 Year LIBOR
       40364862                 360          N                     0          1 Year LIBOR
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       40372744                 360          Y                   120          1 Year LIBOR
       40372734                 360          Y                    84          1 Year LIBOR
       40373552                 360          Y                   120          1 Year CMT
       40378523                 360          Y                   120          1 Year CMT
       40241202                 360          N                     0          1 Year LIBOR
       40319107                 360          N                     0          1 Year LIBOR
        3435835                 360          N                     0
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        3948706                 360          N                     0
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     4674890322                 360          Y                   120          6 Month LIBOR
     1174987212                 360          Y                   120          6 Month LIBOR
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     1175529601                 360          Y                   120          6 Month LIBOR
     1675047222                 360          Y                   120          6 Month LIBOR
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     1675429483                 360          Y                   120          6 Month LIBOR
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     4674163406                 360          Y                   120          6 Month LIBOR
     4674478550                 360          Y                   120          6 Month LIBOR
     4674579703                 360          Y                   120          6 Month LIBOR
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     4674764592                 360          Y                   120          6 Month LIBOR
     4675044968                 360          Y                   120          6 Month LIBOR
     4675057341                 360          Y                   120          6 Month LIBOR
     4675059642                 360          Y                   120          6 Month LIBOR
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     4675218198                 360          Y                   120          6 Month LIBOR
     4675224714                 360          Y                   120          6 Month LIBOR
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     4675254412                 360          Y                   120          6 Month LIBOR
     4675280643                 360          Y                   120          6 Month LIBOR
     4675293683                 360          Y                   120          6 Month LIBOR
     4675307785                 360          Y                   120          6 Month LIBOR
     4675345141                 360          Y                   120          6 Month LIBOR
     4675367651                 360          Y                   120          6 Month LIBOR
     4675383277                 360          Y                   120          6 Month LIBOR
     4675387268                 360          Y                   120          6 Month LIBOR
     4675390268                 360          Y                   120          6 Month LIBOR
     4675395485                 360          Y                   120          6 Month LIBOR
     4675404248                 360          Y                   120          6 Month LIBOR
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     4675410128                 360          Y                   120          6 Month LIBOR
     4675420633                 360          Y                   120          6 Month LIBOR
     4675430881                 360          Y                   120          6 Month LIBOR
     4675440304                 360          Y                   120          6 Month LIBOR
     4675446143                 360          Y                   120          6 Month LIBOR
     4675457633                 360          Y                   120          6 Month LIBOR
     4675472305                 360          Y                   120          6 Month LIBOR
     4675472404                 360          Y                   120          6 Month LIBOR
     4675473779                 360          Y                   120          6 Month LIBOR
     4675484528                 360          Y                   120          6 Month LIBOR
     4675486188                 360          Y                   120          6 Month LIBOR
     4675494045                 360          Y                   120          6 Month LIBOR
     4675507484                 360          Y                   120          6 Month LIBOR
     4675514028                 360          Y                   120          6 Month LIBOR
     4675535523                 360          Y                   120          6 Month LIBOR
     4675535802                 360          Y                   120          6 Month LIBOR
     4675544326                 360          Y                   120          6 Month LIBOR
     4675546344                 360          Y                   120          6 Month LIBOR
     4675546431                 360          Y                   120          6 Month LIBOR
     4675548433                 360          Y                   120          6 Month LIBOR
     4675554716                 360          Y                   120          6 Month LIBOR
     4675563567                 360          Y                   120          6 Month LIBOR
     4675567457                 360          Y                   120          6 Month LIBOR
     4675567902                 360          Y                   120          6 Month LIBOR
     4675580111                 360          Y                   120          6 Month LIBOR
     4675582110                 360          Y                   120          6 Month LIBOR
     4675584026                 360          Y                   120          6 Month LIBOR
     4675615504                 360          Y                   120          6 Month LIBOR
     4675630185                 360          Y                   120          6 Month LIBOR
     4675666309                 360          Y                   120          6 Month LIBOR
     4675675814                 360          Y                   120          6 Month LIBOR
     4675683497                 360          Y                   120          6 Month LIBOR
     4875058975                 360          N                     0          6 Month LIBOR
     4875207369                 360          Y                   120          6 Month LIBOR
     4875548303                 360          Y                   120          6 Month LIBOR
     4975409509                 360          Y                   120          6 Month LIBOR
     4975412996                 360          Y                   120          6 Month LIBOR
     4975508042                 360          Y                   120          6 Month LIBOR
     4975510780                 360          Y                   120          6 Month LIBOR
     4975577743                 360          Y                   120          6 Month LIBOR
     7275123294                 360          Y                   120          6 Month LIBOR
     7275217330                 360          Y                   120          6 Month LIBOR
     7275369081                 360          Y                   120          6 Month LIBOR
     7275494909                 360          Y                   120          6 Month LIBOR
     7275540816                 360          Y                   120          6 Month LIBOR
     7275540954                 360          N                     0          6 Month LIBOR
      201451598                 360          N                     0
      201655115                 360          N                     0
      201760246                 360          N                     0
      201801917                 360          N                     0
        1149990                 360          Y                   120          1 Year LIBOR
        1146281                 360          Y                   120          1 Year LIBOR
        1145705                 360          Y                   120          1 Year LIBOR
        1147827                 360          Y                   120          1 Year LIBOR
        1142473                 360          Y                   120          1 Year LIBOR
        1154575                 360          Y                   120          1 Year LIBOR
        1148887                 360          Y                   120          1 Year LIBOR
        1155500                 360          Y                   120          1 Year LIBOR
        1152799                 360          Y                   120          1 Year LIBOR
        1152016                 360          Y                   120          1 Year LIBOR
        1156368                 360          Y                   120          1 Year LIBOR
        1156406                 360          Y                   120          1 Year LIBOR
        1153084                 360          Y                   120          1 Year LIBOR
        1153259                 360          Y                   120          1 Year LIBOR
        1153878                 360          Y                   120          1 Year LIBOR
        1150385                 360          Y                   120          1 Year LIBOR
        1156675                 360          Y                   120          1 Year LIBOR
        1151570                 360          Y                   120          1 Year LIBOR
        1148460                 360          Y                   120          1 Year LIBOR
        1155850                 360          Y                   120          1 Year LIBOR
        1153205                 360          Y                   120          1 Year LIBOR
        1151945                 360          Y                   120          1 Year LIBOR
        1151815                 360          Y                   120          1 Year LIBOR
        1148785                 360          Y                   120          1 Year LIBOR
        1150341                 360          Y                   120          1 Year LIBOR
        1156215                 360          Y                   120          1 Year LIBOR
        1153109                 360          Y                   120          1 Year LIBOR
        1155637                 360          Y                   120          1 Year LIBOR
        1149927                 360          Y                   120          1 Year LIBOR
        1156358                 360          Y                   120          1 Year LIBOR
        1155123                 360          Y                   120          1 Year LIBOR
        1152781                 360          Y                   120          1 Year LIBOR
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        1156573                 360          Y                   120          1 Year LIBOR
        1157437                 360          Y                   120          1 Year LIBOR
        1153597                 360          Y                   120          1 Year LIBOR
        1154188                 360          Y                   120          1 Year LIBOR
        1154654                 360          Y                   120          1 Year LIBOR
        1156073                 360          Y                   120          1 Year LIBOR
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        1151425                 360          Y                   120          1 Year LIBOR
        1154220                 360          Y                   120          1 Year LIBOR
        1154930                 360          Y                   120          1 Year LIBOR
        1155982                 360          Y                   120          1 Year LIBOR
        1155341                 360          Y                   120          1 Year LIBOR
        1157369                 360          Y                   120          1 Year LIBOR
        1153202                 360          Y                   120          1 Year LIBOR
        1153018                 360          Y                   120          1 Year LIBOR
        1157447                 360          Y                   120          1 Year LIBOR
        1157204                 360          Y                   120          1 Year LIBOR
        1156653                 360          Y                   120          1 Year LIBOR
        1156069                 360          Y                   120          1 Year LIBOR
        1154349                 360          Y                   120          1 Year LIBOR
        1153811                 360          Y                   120          1 Year LIBOR
        1153145                 360          Y                   120          1 Year LIBOR
        1153744                 360          Y                   120          1 Year LIBOR
        1156206                 360          Y                   120          1 Year LIBOR
        1157738                 360          Y                   120          1 Year LIBOR
        1153174                 360          Y                   120          1 Year LIBOR
        1157742                 360          Y                   120          1 Year LIBOR
        1154587                 360          Y                   120          1 Year LIBOR
        1157411                 360          Y                   120          1 Year LIBOR
        1153655                 360          Y                   120          1 Year LIBOR
        1153967                 360          Y                   120          1 Year LIBOR
        1157177                 360          Y                   120          1 Year LIBOR
        1157395                 360          Y                   120          1 Year LIBOR
        1155990                 360          Y                   120          1 Year LIBOR
        1157207                 360          Y                   120          1 Year LIBOR
        1157562                 360          Y                   120          1 Year LIBOR
        1154228                 360          Y                   120          1 Year LIBOR
        1157293                 360          Y                   120          1 Year LIBOR
        1157733                 360          Y                   120          1 Year LIBOR
        1157132                 360          Y                   120          1 Year LIBOR
        1157476                 360          Y                   120          1 Year LIBOR
        1157803                 360          Y                   120          1 Year LIBOR
        1157134                 360          Y                   120          1 Year LIBOR
        1157474                 360          Y                   120          1 Year LIBOR
        1154284                 360          Y                   120          1 Year LIBOR
        1154551                 360          Y                   120          1 Year LIBOR
        1151885                 360          Y                   120          1 Year LIBOR
        1153685                 360          Y                   120          1 Year LIBOR
        1158113                 360          Y                   120          1 Year LIBOR
        1157309                 360          Y                   120          1 Year LIBOR
        1155073                 360          Y                   120          1 Year LIBOR
        1155284                 360          Y                   120          1 Year LIBOR
        1156547                 360          Y                   120          1 Year LIBOR
        1157093                 360          Y                   120          1 Year LIBOR
        1157178                 360          Y                   120          1 Year LIBOR
        1154490                 360          Y                   120          1 Year LIBOR
        1155163                 360          Y                   120          1 Year LIBOR
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        1155107                 360          Y                   120          1 Year LIBOR
        1151505                 360          Y                   120          1 Year LIBOR
        1149372                 360          Y                   120          1 Year LIBOR
        1155235                 360          Y                   120          1 Year LIBOR
        1145152                 360          Y                   120          1 Year LIBOR
        1151676                 360          Y                   120          1 Year LIBOR
        1152104                 360          Y                   120          1 Year LIBOR
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        1148690                 360          Y                   120          1 Year LIBOR
        1155407                 360          Y                   120          1 Year LIBOR
        1154511                 360          Y                   120          1 Year LIBOR
        1157810                 360          Y                   120          1 Year LIBOR
       48106231                 360          Y                    60          1 Year CMT
       51565026                 360          Y                    60          1 Year CMT
       51653525                 360          Y                    60          1 Year CMT
       51695666                 360          Y                    60          1 Year CMT
       51808566                 360          Y                    60          1 Year CMT
       53079695                 360          Y                    60          1 Year CMT
       53698841                 360          Y                    60          1 Year CMT
       54005657                 360          Y                    60          1 Year CMT
       54052865                 360          Y                    60          1 Year CMT
       54426713                 360          Y                    60          1 Year CMT
       54599592                 360          Y                    60          1 Year CMT
       54900253                 360          Y                    60          1 Year CMT
       54993951                 360          Y                    60          1 Year CMT
       55020739                 360          Y                    60          1 Year CMT
       57042566                 360          Y                    60          1 Year CMT
      142529528                 360          Y                    60          1 Year CMT
      143396919                 360          Y                    60          1 Year CMT
      143456218                 360          Y                    60          1 Year LIBOR
      143459378                 360          Y                    60          1 Year CMT
      143739415                 360          N                     0          1 Year LIBOR
      143791788                 360          Y                    60          1 Year LIBOR
      144090024                 360          Y                    60          1 Year CMT
      144694767                 360          Y                    60          1 Year CMT
      144890761                 360          Y                    60          1 Year CMT
      145012563                 360          Y                   120          1 Year CMT
      145190864                 360          N                     0          1 Year CMT
      145218137                 360          Y                    60          1 Year CMT
      145624276                 360          Y                    60          1 Year CMT
      145672853                 360          N                     0          1 Year CMT
      145713897                 360          Y                   120          1 Year LIBOR
      145802682                 360          Y                    60          1 Year CMT
      145963187                 360          Y                    60          1 Year CMT
      146000583                 360          Y                    60          1 Year CMT
      146109319                 360          Y                    60          1 Year CMT
      146127915                 360          Y                   120          1 Year LIBOR
      146136312                 360          Y                    60          1 Year CMT
      146275094                 360          Y                   120          1 Year CMT
      146315122                 360          Y                    60          1 Year CMT
      146372156                 360          Y                    60          1 Year LIBOR
      146555446                 360          Y                   120          1 Year CMT
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      111800773                 360          N                     0          1 Year LIBOR
      111842926                 360          Y                   120          1 Year LIBOR
      111845925                 360          Y                   120          1 Year LIBOR
      111887701                 360          Y                   120          1 Year LIBOR
      111898553                 360          Y                   120          1 Year LIBOR
      111900664                 360          Y                   120          1 Year LIBOR
      111909617                 360          Y                   120          1 Year LIBOR
      111919188                 360          Y                   120          1 Year LIBOR
      111935008                 360          Y                   120          1 Year LIBOR
      111986561                 360          Y                   120          1 Year LIBOR
      111995606                 360          Y                   120          1 Year LIBOR
      112005480                 360          N                     0          1 Year LIBOR
      112007738                 360          Y                   120          1 Year LIBOR
      112022192                 360          Y                   120          1 Year LIBOR
      112027454                 360          Y                   120          1 Year LIBOR
      112056875                 360          Y                   120          1 Year LIBOR
      112090304                 360          Y                   120          1 Year LIBOR
      112094751                 360          Y                   120          1 Year LIBOR
      112095963                 360          Y                   120          1 Year LIBOR
      112100595                 360          Y                   120          1 Year LIBOR
      112104212                 360          Y                   120          1 Year LIBOR
      112105628                 360          Y                   120          1 Year LIBOR
      112112965                 360          Y                   120          1 Year LIBOR
      112117696                 360          Y                   120          1 Year LIBOR
      112151129                 360          Y                   120          1 Year LIBOR
      112169031                 360          Y                   120          1 Year LIBOR
      112184252                 360          Y                   120          1 Year LIBOR
      112184831                 360          Y                   120          1 Year LIBOR
      112193181                 360          Y                   120          1 Year LIBOR
      112196121                 360          Y                   120          1 Year LIBOR
      112196225                 360          Y                   120          1 Year LIBOR
      112253046                 360          Y                   120          1 Year LIBOR
      112262017                 360          Y                   120          1 Year LIBOR
      112276995                 360          Y                   120          1 Year LIBOR
      112279999                 360          Y                   120          1 Year LIBOR
      112282894                 360          Y                   120          1 Year LIBOR
      112301073                 360          Y                   120          1 Year LIBOR
      112317793                 360          Y                   120          1 Year LIBOR
      112326746                 360          Y                   120          1 Year LIBOR
      112350874                 360          Y                   120          1 Year LIBOR
      112355867                 360          Y                   120          1 Year LIBOR
      112375812                 360          Y                   120          1 Year LIBOR
      112383401                 360          Y                   120          1 Year LIBOR
      112386803                 360          Y                   120          1 Year LIBOR
      112387451                 360          Y                   120          1 Year LIBOR
      112392002                 360          N                     0          1 Year LIBOR
      112392816                 360          Y                   120          1 Year LIBOR
      112392904                 360          Y                   120          1 Year LIBOR
      112395015                 360          N                     0          1 Year LIBOR
      112426005                 360          Y                   120          1 Year LIBOR
      112433320                 360          Y                   120          1 Year LIBOR
      112458518                 360          Y                   120          1 Year LIBOR
      112475500                 360          Y                   120          1 Year LIBOR
      112485501                 360          Y                   120          1 Year LIBOR
      112488491                 360          Y                   120          1 Year LIBOR
      112489723                 360          Y                   120          1 Year LIBOR
      112500264                 360          Y                   120          1 Year LIBOR
      112504821                 360          Y                   120          1 Year LIBOR
      112506517                 360          Y                   120          1 Year LIBOR
      112513030                 360          Y                   120          1 Year LIBOR
      112517591                 360          Y                   120          1 Year LIBOR
      112519279                 360          Y                   120          1 Year LIBOR
      112532283                 360          Y                   120          1 Year LIBOR
      112540610                 360          Y                   120          1 Year LIBOR
      112540738                 360          Y                   120          1 Year LIBOR
      112544578                 360          Y                   120          1 Year LIBOR
      112564288                 360          Y                   120          1 Year LIBOR
      112567300                 360          Y                   120          1 Year LIBOR
      112567509                 360          Y                   120          1 Year LIBOR
      112573968                 360          Y                   120          1 Year LIBOR
      112574162                 360          Y                   120          1 Year LIBOR
      112574331                 360          Y                   120          1 Year LIBOR
      112579127                 360          Y                   120          1 Year LIBOR
      112583649                 360          Y                   120          1 Year LIBOR
      112585161                 360          Y                   120          1 Year LIBOR
      112592322                 360          Y                   120          1 Year LIBOR
      112593178                 360          Y                   120          1 Year LIBOR
      112614899                 360          Y                   120          1 Year LIBOR
      112642244                 360          Y                   120          1 Year LIBOR
      112642716                 360          N                     0          1 Year LIBOR
      112642828                 360          Y                   120          1 Year LIBOR
      112646244                 360          Y                   120          1 Year LIBOR
      112646260                 360          Y                   120          1 Year LIBOR
      112659646                 360          Y                   120          1 Year LIBOR
      112676906                 360          Y                   120          1 Year LIBOR
      112682703                 360          Y                   120          1 Year LIBOR
      112704747                 360          Y                   120          1 Year LIBOR
      112710132                 360          Y                   120          1 Year LIBOR
      112714156                 360          Y                   120          1 Year LIBOR
      112716613                 360          Y                   120          1 Year LIBOR
      112722029                 360          Y                   120          1 Year LIBOR
      112726399                 360          Y                   120          1 Year LIBOR
      112760094                 360          Y                   120          1 Year LIBOR
      112765118                 360          Y                   120          1 Year LIBOR
      112765158                 360          Y                   120          1 Year LIBOR
      112773224                 360          Y                   120          1 Year LIBOR
      112779727                 360          Y                   120          1 Year LIBOR
      112779880                 360          Y                   120          1 Year LIBOR
      112839212                 360          Y                   120          1 Year LIBOR
      112867694                 360          Y                   120          1 Year LIBOR
      112876913                 360          Y                   120          1 Year LIBOR
      112880121                 360          Y                   120          1 Year LIBOR
      112880145                 360          Y                   120          1 Year LIBOR
      112880193                 360          Y                   120          1 Year LIBOR
      112882783                 360          Y                   120          1 Year LIBOR
      112884066                 360          Y                   120          1 Year LIBOR
      112886037                 360          Y                   120          1 Year LIBOR
      112891359                 360          Y                   120          1 Year LIBOR
      112897056                 360          Y                   120          1 Year LIBOR
      112900240                 360          Y                   120          1 Year LIBOR
      112900544                 360          Y                   120          1 Year LIBOR
      112913722                 360          Y                   120          1 Year LIBOR
      112934341                 360          N                     0          1 Year LIBOR
      112963832                 360          Y                   120          1 Year LIBOR
      112964074                 360          Y                   120          1 Year LIBOR
      112978945                 360          Y                   120          1 Year LIBOR
      112979776                 360          Y                   120          1 Year LIBOR
      112979792                 360          Y                   120          1 Year LIBOR
      112985557                 360          Y                   120          1 Year LIBOR
      112986696                 360          Y                   120          1 Year LIBOR
      112992117                 360          Y                   120          1 Year LIBOR
      112999451                 360          Y                   120          1 Year LIBOR
      113026984                 360          Y                   120          1 Year LIBOR
      113066824                 360          Y                   120          1 Year LIBOR
      113076844                 360          Y                   120          1 Year LIBOR
      113084197                 360          Y                   120          1 Year LIBOR
      113086638                 360          Y                   120          1 Year LIBOR
      113106656                 360          Y                   120          1 Year LIBOR
      113107058                 360          Y                   120          1 Year LIBOR
      113108669                 360          Y                   120          1 Year LIBOR
      113108677                 360          Y                   120          1 Year LIBOR
      113112013                 360          Y                   120          1 Year LIBOR
      113120353                 360          Y                   120          1 Year LIBOR
      113127373                 360          Y                   120          1 Year LIBOR
      113134313                 360          Y                   120          1 Year LIBOR
      113161382                 360          Y                   120          1 Year LIBOR
      113167372                 360          N                     0          1 Year LIBOR
      113168000                 360          Y                   120          1 Year LIBOR
      113219205                 360          Y                   120          1 Year LIBOR
      113230385                 360          Y                   120          1 Year LIBOR
      113230409                 360          Y                   120          1 Year LIBOR
      113237024                 360          Y                   120          1 Year LIBOR
      113241735                 360          N                     0          1 Year LIBOR
      113246580                 360          Y                   120          1 Year LIBOR
      113253926                 360          Y                   120          1 Year LIBOR
      113277722                 360          Y                   120          1 Year LIBOR
      113279526                 360          Y                   120          1 Year LIBOR
      113282259                 360          Y                   120          1 Year LIBOR
      113286027                 360          Y                   120          1 Year LIBOR
      113302685                 360          Y                   120          1 Year LIBOR
      113305093                 360          Y                   120          1 Year LIBOR
      113333598                 360          Y                   120          1 Year LIBOR
      113340902                 360          N                     0          1 Year LIBOR
      113347236                 360          Y                   120          1 Year LIBOR
      113355559                 360          Y                   120          1 Year LIBOR
      113355591                 360          Y                   120          1 Year LIBOR
      113363482                 360          Y                   120          1 Year LIBOR
      113368593                 360          Y                   120          1 Year LIBOR
      113407440                 360          Y                   120          1 Year LIBOR
      113426764                 360          Y                   120          1 Year LIBOR
      113426957                 360          Y                   120          1 Year LIBOR
      113433604                 360          N                     0          1 Year LIBOR
      113440894                 360          Y                   120          1 Year LIBOR
      113454000                 360          Y                   120          1 Year LIBOR
      113454419                 360          Y                   120          1 Year LIBOR
      113476807                 360          Y                   120          1 Year LIBOR
      113476879                 360          Y                   120          1 Year LIBOR
      113497771                 360          N                     0          1 Year LIBOR
      113565566                 360          Y                   120          1 Year LIBOR
      113566797                 360          Y                   120          1 Year LIBOR
      113612368                 360          Y                   120          1 Year LIBOR
      113622292                 360          Y                   120          1 Year LIBOR
      113623685                 360          Y                   120          1 Year LIBOR
      113641233                 360          Y                   120          1 Year LIBOR
      113717608                 360          N                     0          1 Year LIBOR
      113744303                 360          Y                   120          1 Year LIBOR
      113756257                 360          Y                   120          1 Year LIBOR
      113759234                 360          Y                   120          1 Year LIBOR
      113843205                 360          Y                   120          1 Year LIBOR
      113864039                 360          Y                   120          1 Year LIBOR
      113874960                 360          Y                   120          1 Year LIBOR
      113876104                 360          Y                   120          1 Year LIBOR
      113901213                 360          Y                   120          1 Year LIBOR
      113902802                 360          Y                   120          1 Year LIBOR
      113934876                 360          N                     0          1 Year LIBOR
      113952457                 360          Y                   120          1 Year LIBOR
      113964358                 360          Y                   120          1 Year LIBOR
      114165800                 360          Y                   120          1 Year LIBOR
      114223317                 360          Y                   120          1 Year LIBOR
       44573459                 360          Y                    84          1 Year LIBOR
       80628063                 360          N                     0          1 Year LIBOR
       80662067                 360          Y                    84          1 Year LIBOR
       90119973                 360          Y                    84          1 Year LIBOR
       92316219                 360          Y                    84          1 Year LIBOR
       94734500                 360          Y                    84          1 Year LIBOR
      101771811                 360          Y                    84          1 Year LIBOR
      101867103                 360          Y                    84          1 Year LIBOR
      102072919                 360          Y                    84          1 Year LIBOR
      102483390                 360          Y                    84          1 Year LIBOR
      103151965                 360          Y                    84          1 Year LIBOR
      103462275                 360          Y                    84          1 Year LIBOR
      103802766                 360          Y                    84          1 Year LIBOR
      103971027                 360          Y                    84          1 Year LIBOR
      104082329                 360          Y                    84          1 Year LIBOR
      104127457                 360          Y                    84          1 Year LIBOR
      104195793                 360          Y                    84          1 Year LIBOR
      104271467                 360          N                     0          1 Year LIBOR
      104408160                 360          Y                    84          1 Year LIBOR
      104429107                 360          Y                    84          1 Year LIBOR
      104453718                 360          Y                    84          1 Year LIBOR
      104608097                 360          Y                    84          1 Year LIBOR
      104644702                 360          Y                    84          1 Year LIBOR
      104659864                 360          Y                    84          1 Year LIBOR
      104664873                 360          Y                    84          1 Year LIBOR
      104830698                 360          Y                    84          1 Year LIBOR
      104853933                 360          Y                    84          1 Year LIBOR
      104962394                 360          N                     0          1 Year LIBOR
      104968698                 360          N                     0          1 Year LIBOR
      105096986                 360          Y                    84          1 Year LIBOR
      105121822                 360          N                     0          1 Year LIBOR
      105248189                 360          Y                    84          1 Year LIBOR
      105334608                 360          Y                    84          1 Year LIBOR
      105500077                 360          N                     0          1 Year LIBOR
      105509134                 360          Y                    84          1 Year LIBOR
      105595744                 360          Y                    84          1 Year LIBOR
      105665689                 360          Y                    84          1 Year LIBOR
      105665761                 360          Y                    84          1 Year LIBOR
      105687715                 360          N                     0          1 Year LIBOR
      105761077                 360          Y                    84          1 Year LIBOR
      107498606                 360          Y                    84          1 Year LIBOR
      107974533                 360          N                     0          1 Year LIBOR
      109074234                 360          Y                    84          1 Year LIBOR
      109075306                 360          Y                    84          1 Year LIBOR
      109797397                 360          N                     0          1 Year LIBOR
      109981923                 360          Y                    84          1 Year LIBOR
      110018706                 360          Y                    84          1 Year LIBOR
      110056579                 360          Y                    84          1 Year LIBOR
      110080103                 360          Y                    84          1 Year LIBOR
      110175796                 360          Y                    84          1 Year LIBOR
      110249343                 360          Y                    84          1 Year LIBOR
      110355617                 360          Y                    84          1 Year LIBOR
      110461176                 360          Y                    84          1 Year LIBOR
      110972745                 360          Y                    84          1 Year LIBOR
      111043422                 360          Y                    84          1 Year LIBOR
      111366258                 360          Y                    84          1 Year LIBOR
      111755025                 360          Y                    84          1 Year LIBOR
      111891563                 360          N                     0          1 Year LIBOR
      112104420                 360          Y                    84          1 Year LIBOR
      112145303                 360          Y                    84          1 Year LIBOR
      112166914                 360          Y                    84          1 Year LIBOR
      112363404                 360          Y                    84          1 Year LIBOR
      112388259                 360          Y                    84          1 Year LIBOR
      112443555                 360          N                     0          1 Year LIBOR
      112449934                 360          N                     0          1 Year LIBOR
      112615085                 360          Y                    84          1 Year LIBOR
      112664446                 360          Y                    84          1 Year LIBOR
      112676658                 360          N                     0          1 Year LIBOR
      112749192                 360          N                     0          1 Year LIBOR
      112873870                 360          Y                    84          1 Year LIBOR
      112917746                 360          Y                    84          1 Year LIBOR
      113037740                 360          Y                    84          1 Year LIBOR
      113097835                 360          N                     0          1 Year LIBOR
      113099888                 360          Y                    84          1 Year LIBOR
      113144660                 360          Y                    84          1 Year LIBOR
      113180676                 360          Y                    84          1 Year LIBOR
      113185654                 360          Y                    84          1 Year LIBOR
      113231277                 360          Y                    84          1 Year LIBOR
      113260320                 360          Y                    84          1 Year LIBOR
      113323150                 360          N                     0          1 Year LIBOR
      113352656                 360          Y                    84          1 Year LIBOR
      113467909                 360          Y                    84          1 Year LIBOR
      113482441                 360          Y                    84          1 Year LIBOR
      113509656                 360          Y                    84          1 Year LIBOR
      113643065                 360          Y                    84          1 Year LIBOR
      113643492                 360          Y                    84          1 Year LIBOR
      113654211                 360          Y                    84          1 Year LIBOR
      113706172                 360          Y                    84          1 Year LIBOR
      113766523                 360          Y                    84          1 Year LIBOR
      113815020                 360          Y                    84          1 Year LIBOR
      113851412                 360          Y                    84          1 Year LIBOR
      113874728                 360          Y                    84          1 Year LIBOR
      113877208                 360          Y                    84          1 Year LIBOR
      113883258                 360          Y                    84          1 Year LIBOR
      113883290                 360          Y                    84          1 Year LIBOR
      113952449                 360          Y                    84          1 Year LIBOR
      113994000                 360          Y                    84          1 Year LIBOR
      114016836                 360          Y                    84          1 Year LIBOR
      114141771                 360          Y                    84          1 Year LIBOR
      114144919                 360          Y                    84          1 Year LIBOR
      114164432                 360          Y                    84          1 Year LIBOR
      114171717                 360          Y                    84          1 Year LIBOR
      114171918                 360          Y                    84          1 Year LIBOR
      114174022                 360          Y                    84          1 Year LIBOR
      114287465                 360          Y                    84          1 Year LIBOR
      114332311                 360          Y                    84          1 Year LIBOR
      114354199                 360          Y                    84          1 Year LIBOR
      114402433                 360          Y                    84          1 Year LIBOR
      114452600                 360          Y                    84          1 Year LIBOR
      114492613                 360          Y                    84          1 Year LIBOR
      114562441                 360          Y                    84          1 Year LIBOR
      114571951                 360          Y                    84          1 Year LIBOR
      114808434                 360          Y                    84          1 Year LIBOR
      114823484                 360          Y                    84          1 Year LIBOR
      114827396                 360          Y                    84          1 Year LIBOR
      114858639                 360          Y                    84          1 Year LIBOR
      115015196                 360          Y                    84          1 Year LIBOR
      115095642                 360          Y                    84          1 Year LIBOR

loanid                             margin            rfreq       pfreq        monthroll              initcap
--------------------------------------------------------------------------------------------------------------
         903506                           0              0            0                 0                   0
         849581                           0              0            0                 0                   0
         894850                           0              0            0                 0                   0
         916638                           0              0            0                 0                   0
         905936                           0              0            0                 0                   0
         900114                           0              0            0                 0                   0
         926418                           0              0            0                 0                   0
         885510                           0              0            0                 0                   0
         861964                           0              0            0                 0                   0
         897604                           0              0            0                 0                   0
         915549                           0              0            0                 0                   0
         887310                           0              0            0                 0                   0
         899786                           0              0            0                 0                   0
         903160                           0              0            0                 0                   0
         881179                           0              0            0                 0                   0
         870567                           0              0            0                 0                   0
         888062                           0              0            0                 0                   0
         911112                           0              0            0                 0                   0
         891241                           0              0            0                 0                   0
         897072                           0              0            0                 0                   0
         920825                           0              0            0                 0                   0
         918655                           0              0            0                 0                   0
         904226                           0              0            0                 0                   0
         911197                           0              0            0                 0                   0
         905190                           0              0            0                 0                   0
         905121                           0              0            0                 0                   0
         902829                           0              0            0                 0                   0
         887096                           0              0            0                 0                   0
         907408                           0              0            0                 0                   0
         885682                           0              0            0                 0                   0
         907988                           0              0            0                 0                   0
         873196                           0              0            0                 0                   0
         905459                           0              0            0                 0                   0
         910445                           0              0            0                 0                   0
         861959                           0              0            0                 0                   0
         905736                           0              0            0                 0                   0
         917651                           0              0            0                 0                   0
         922168                           0              0            0                 0                   0
         886283                           0              0            0                 0                   0
         913550                           0              0            0                 0                   0
         901054                           0              0            0                 0                   0
         921611                           0              0            0                 0                   0
         916861                           0              0            0                 0                   0
         923390                           0              0            0                 0                   0
         905221                           0              0            0                 0                   0
         904719                           0              0            0                 0                   0
         910376                           0              0            0                 0                   0
         920459                           0              0            0                 0                   0
         889969                           0              0            0                 0                   0
         894006                           0              0            0                 0                   0
         912263                           0              0            0                 0                   0
         841883                           0              0            0                 0                   0
         889237                           0              0            0                 0                   0
         921219                           0              0            0                 0                   0
         918552                           0              0            0                 0                   0
         921255                           0              0            0                 0                   0
         891691                           0              0            0                 0                   0
         907767                           0              0            0                 0                   0
         930174                           0              0            0                 0                   0
         888454                           0              0            0                 0                   0
         910475                           0              0            0                 0                   0
         919246                           0              0            0                 0                   0
         919444                           0              0            0                 0                   0
         909136                           0              0            0                 0                   0
         912400                           0              0            0                 0                   0
         913574                           0              0            0                 0                   0
         909294                           0              0            0                 0                   0
         909345                           0              0            0                 0                   0
         909362                           0              0            0                 0                   0
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         895517                           0              0            0                 0                   0
         930842                           0              0            0                 0                   0
         914128                           0              0            0                 0                   0
         899366                           0              0            0                 0                   0
         899117                           0              0            0                 0                   0
         875461                           0              0            0                 0                   0
         892234                           0              0            0                 0                   0
         874019                           0              0            0                 0                   0
         836080                           0              0            0                 0                   0
         900507                           0              0            0                 0                   0
         916775                           0              0            0                 0                   0
         927293                           0              0            0                 0                   0
         924449                           0              0            0                 0                   0
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         890255                           0              0            0                 0                   0
         864317                           0              0            0                 0                   0
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         856643                           0              0            0                 0                   0
         922831                           0              0            0                 0                   0
         883304                           0              0            0                 0                   0
         926360                           0              0            0                 0                   0
         906571                           0              0            0                 0                   0
         897033                           0              0            0                 0                   0
         910966                           0              0            0                 0                   0
         906082                           0              0            0                 0                   0
         874425                           0              0            0                 0                   0
         861766                           0              0            0                 0                   0
         913397                           0              0            0                 0                   0
         926381                           0              0            0                 0                   0
         914970                           0              0            0                 0                   0
         914058                           0              0            0                 0                   0
         877162                           0              0            0                 0                   0
         911026                           0              0            0                 0                   0
         877698                           0              0            0                 0                   0
         907013                           0              0            0                 0                   0
         863299                           0              0            0                 0                   0
         931501                           0              0            0                 0                   0
         903844                           0              0            0                 0                   0
         905430                           0              0            0                 0                   0
         919895                           0              0            0                 0                   0
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         921113                           0              0            0                 0                   0
         925440                           0              0            0                 0                   0
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         924701                           0              0            0                 0                   0
         734928                           0              0            0                 0                   0
         891699                           0              0            0                 0                   0
         926092                           0              0            0                 0                   0
         894963                           0              0            0                 0                   0
         909131                           0              0            0                 0                   0
         909973                           0              0            0                 0                   0
         913074                           0              0            0                 0                   0
         914621                           0              0            0                 0                   0
         885528                           0              0            0                 0                   0
         889302                           0              0            0                 0                   0
         903005                           0              0            0                 0                   0
         910147                           0              0            0                 0                   0
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         911935                           0              0            0                 0                   0
         915108                           0              0            0                 0                   0
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         893650                           0              0            0                 0                   0
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         915073                           0              0            0                 0                   0
         893619                           0              0            0                 0                   0
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         886067                           0              0            0                 0                   0
         922900                           0              0            0                 0                   0
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         926281                           0              0            0                 0                   0
         920319                           0              0            0                 0                   0
         875172                           0              0            0                 0                   0
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      111353374                        2.25             12           12               120                   5
      111361596                        2.25             12           12               119                   5
      111366088                        2.25             12           12               120                   5
      111399994                        2.25             12           12               120                   5
      111424527                        2.25             12           12               120                   5
      111429320                        2.25             12           12               120                   5
      111453150                        2.25             12           12               119                   5
      111465389                        2.25             12           12               119                   5
      111485203                        2.25             12           12               119                   5
      111496700                        2.25             12           12               119                   5
      111512478                        2.25             12           12               120                   5
      111522937                        2.25             12           12               120                   5
      111541617                        2.25             12           12               119                   5
      111543912                        2.25             12           12               120                   5
      111565862                        2.25             12           12               120                   5
      111671539                        2.25             12           12               120                   5
      111692741                        2.25             12           12               120                   5
      111698515                        2.25             12           12               120                   5
      111711935                        2.25             12           12               120                   5
      111728323                        2.25             12           12               120                   5
      111739818                        2.25             12           12               120                   5
      111746549                        2.25             12           12               120                   5
      111751089                        2.25             12           12               120                   5
      111751185                        2.25             12           12               119                   5
      111764522                        2.25             12           12               120                   5
      111780803                        2.25             12           12               119                   5
      111800773                        2.25             12           12               120                   5
      111842926                        2.25             12           12               120                   5
      111845925                        2.25             12           12               120                   5
      111887701                        2.25             12           12               119                   5
      111898553                        2.25             12           12               119                   5
      111900664                        2.25             12           12               120                   5
      111909617                        2.25             12           12               120                   5
      111919188                        2.25             12           12               120                   5
      111935008                        2.25             12           12               120                   5
      111986561                        2.25             12           12               120                   5
      111995606                        2.25             12           12               120                   5
      112005480                        2.25             12           12               120                   5
      112007738                        2.25             12           12               119                   5
      112022192                        2.25             12           12               120                   5
      112027454                        2.25             12           12               119                   5
      112056875                        2.25             12           12               119                   5
      112090304                        2.25             12           12               120                   5
      112094751                        2.25             12           12               119                   5
      112095963                        2.25             12           12               120                   5
      112100595                        2.25             12           12               119                   5
      112104212                        2.25             12           12               120                   5
      112105628                        2.25             12           12               120                   5
      112112965                        2.25             12           12               120                   5
      112117696                        2.25             12           12               120                   5
      112151129                        2.25             12           12               119                   5
      112169031                        2.25             12           12               119                   5
      112184252                        2.25             12           12               120                   5
      112184831                        2.25             12           12               120                   5
      112193181                        2.25             12           12               120                   5
      112196121                        2.25             12           12               120                   5
      112196225                        2.25             12           12               119                   5
      112253046                        2.25             12           12               120                   5
      112262017                        2.25             12           12               119                   5
      112276995                        2.25             12           12               119                   5
      112279999                        2.25             12           12               120                   5
      112282894                        2.25             12           12               120                   5
      112301073                        2.25             12           12               120                   5
      112317793                        2.25             12           12               119                   5
      112326746                        2.75             12           12               120                   5
      112350874                        2.25             12           12               120                   5
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      112375812                        2.25             12           12               120                   5
      112383401                        2.25             12           12               120                   5
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      112395015                        2.25             12           12               120                   5
      112426005                        2.25             12           12               120                   5
      112433320                        2.25             12           12               120                   5
      112458518                        2.25             12           12               119                   5
      112475500                        2.25             12           12               120                   5
      112485501                        2.25             12           12               119                   5
      112488491                        2.25             12           12               120                   5
      112489723                        2.25             12           12               120                   5
      112500264                        2.25             12           12               120                   5
      112504821                        2.25             12           12               119                   5
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      112513030                        2.25             12           12               120                   5
      112517591                        2.25             12           12               120                   5
      112519279                        2.25             12           12               120                   5
      112532283                        2.25             12           12               120                   5
      112540610                        2.25             12           12               120                   5
      112540738                        2.25             12           12               120                   5
      112544578                        2.25             12           12               119                   5
      112564288                        2.25             12           12               119                   5
      112567300                        2.25             12           12               119                   5
      112567509                        2.25             12           12               120                   5
      112573968                        2.25             12           12               120                   5
      112574162                        2.25             12           12               119                   5
      112574331                        2.25             12           12               120                   5
      112579127                        2.25             12           12               120                   5
      112583649                        2.25             12           12               119                   5
      112585161                        2.25             12           12               120                   5
      112592322                        2.25             12           12               119                   5
      112593178                        2.25             12           12               119                   5
      112614899                        2.25             12           12               119                   5
      112642244                        2.25             12           12               120                   5
      112642716                        2.25             12           12               120                   5
      112642828                        2.25             12           12               120                   5
      112646244                        2.25             12           12               120                   5
      112646260                        2.25             12           12               120                   5
      112659646                        2.25             12           12               120                   5
      112676906                        2.25             12           12               119                   5
      112682703                        2.25             12           12               120                   5
      112704747                        2.25             12           12               119                   5
      112710132                        2.25             12           12               120                   5
      112714156                        2.25             12           12               119                   5
      112716613                        2.25             12           12               119                   5
      112722029                        2.25             12           12               120                   5
      112726399                        2.25             12           12               120                   5
      112760094                        2.25             12           12               120                   5
      112765118                        2.25             12           12               120                   5
      112765158                        2.25             12           12               120                   5
      112773224                        2.25             12           12               120                   5
      112779727                        2.25             12           12               119                   5
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      112839212                        2.25             12           12               120                   5
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      112876913                        2.25             12           12               120                   5
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      112880145                        2.25             12           12               119                   5
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      112891359                        2.25             12           12               120                   5
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      112900240                        2.25             12           12               120                   5
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      112913722                        2.25             12           12               120                   5
      112934341                        2.25             12           12               120                   5
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      113112013                        2.25             12           12               120                   5
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      113161382                        2.25             12           12               120                   5
      113167372                        2.25             12           12               120                   5
      113168000                        2.25             12           12               120                   5
      113219205                        2.25             12           12               120                   5
      113230385                        2.25             12           12               120                   5
      113230409                        2.25             12           12               120                   5
      113237024                        2.25             12           12               120                   5
      113241735                        2.25             12           12               120                   5
      113246580                        2.25             12           12               119                   5
      113253926                        2.25             12           12               120                   5
      113277722                        2.25             12           12               120                   5
      113279526                        2.25             12           12               120                   5
      113282259                        2.25             12           12               119                   5
      113286027                        2.25             12           12               119                   5
      113302685                        2.25             12           12               120                   5
      113305093                        2.25             12           12               120                   5
      113333598                        2.25             12           12               120                   5
      113340902                        2.25             12           12               120                   5
      113347236                        2.25             12           12               120                   5
      113355559                        2.25             12           12               120                   5
      113355591                        2.25             12           12               120                   5
      113363482                        2.25             12           12               120                   5
      113368593                        2.25             12           12               120                   5
      113407440                        2.25             12           12               120                   5
      113426764                        2.25             12           12               120                   5
      113426957                        2.25             12           12               120                   5
      113433604                        2.25             12           12               120                   5
      113440894                        2.25             12           12               120                   5
      113454000                        2.25             12           12               120                   5
      113454419                        2.25             12           12               120                   5
      113476807                        2.25             12           12               120                   5
      113476879                        2.25             12           12               120                   5
      113497771                        2.25             12           12               120                   5
      113565566                        2.25             12           12               120                   5
      113566797                        2.25             12           12               120                   5
      113612368                        2.25             12           12               120                   5
      113622292                        2.25             12           12               120                   5
      113623685                        2.25             12           12               120                   5
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      113717608                        2.25             12           12               120                   5
      113744303                        2.25             12           12               120                   5
      113756257                        2.25             12           12               120                   5
      113759234                        2.25             12           12               120                   5
      113843205                        2.25             12           12               120                   5
      113864039                        2.25             12           12               120                   5
      113874960                        2.25             12           12               120                   5
      113876104                        2.25             12           12               120                   5
      113901213                        2.25             12           12               120                   5
      113902802                        2.25             12           12               120                   5
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      113952457                        2.25             12           12               120                   5
      113964358                        2.25             12           12               120                   5
      114165800                        2.25             12           12               120                   5
      114223317                        2.25             12           12               120                   5
       44573459                        2.25             12           12                84                   5
       80628063                        2.25             12           12                84                   5
       80662067                        2.25             12           12                83                   5
       90119973                        2.25             12           12                81                   5
       92316219                        2.25             12           12                84                   5
       94734500                        2.25             12           12                82                   5
      101771811                        2.25             12           12                84                   5
      101867103                        2.25             12           12                84                   5
      102072919                        2.25             12           12                84                   5
      102483390                        2.25             12           12                84                   5
      103151965                        2.25             12           12                82                   5
      103462275                        2.25             12           12                84                   5
      103802766                        2.25             12           12                83                   5
      103971027                        2.25             12           12                84                   5
      104082329                        2.25             12           12                83                   5
      104127457                        2.25             12           12                83                   5
      104195793                        2.25             12           12                84                   5
      104271467                        2.25             12           12                84                   5
      104408160                        2.25             12           12                84                   5
      104429107                        2.25             12           12                83                   5
      104453718                        2.25             12           12                84                   5
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      104644702                        2.25             12           12                84                   5
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      104664873                        2.25             12           12                84                   5
      104830698                        2.25             12           12                84                   5
      104853933                        2.25             12           12                84                   5
      104962394                        2.25             12           12                84                   5
      104968698                        2.25             12           12                84                   5
      105096986                        2.25             12           12                84                   5
      105121822                        2.25             12           12                84                   5
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      107974533                        2.25             12           12                81                   5
      109074234                        2.25             12           12                81                   5
      109075306                        2.25             12           12                84                   5
      109797397                        2.25             12           12                84                   5
      109981923                        2.25             12           12                84                   5
      110018706                        2.25             12           12                84                   5
      110056579                        2.25             12           12                84                   5
      110080103                        2.25             12           12                84                   5
      110175796                        2.25             12           12                84                   5
      110249343                        2.25             12           12                84                   5
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      111366258                        2.25             12           12                84                   5
      111755025                        2.25             12           12                84                   5
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      112145303                        2.25             12           12                84                   5
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      112363404                        2.25             12           12                84                   5
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      112443555                        2.25             12           12                84                   5
      112449934                        2.25             12           12                84                   5
      112615085                        2.25             12           12                84                   5
      112664446                        2.25             12           12                84                   5
      112676658                        2.25             12           12                84                   5
      112749192                        2.25             12           12                84                   5
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      112917746                        2.25             12           12                83                   5
      113037740                        2.25             12           12                84                   5
      113097835                        2.25             12           12                84                   5
      113099888                        2.25             12           12                84                   5
      113144660                        2.25             12           12                84                   5
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      113706172                        2.25             12           12                84                   5
      113766523                        2.25             12           12                84                   5
      113815020                        2.25             12           12                84                   5
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      114332311                        2.25             12           12                84                   5
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      114402433                        2.25             12           12                84                   5
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      114858639                        2.25             12           12                84                   5
      115015196                        2.25             12           12                84                   5
      115095642                        2.25             12           12                84                   5

loanid                   percap            lifecap           lifefloor          negam            negamcap
--------------------------------------------------------------------------------------------------------------
         903506                 0                 0                  0                                      0
         849581                 0                 0                  0                                      0
         894850                 0                 0                  0                                      0
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         891241                 0                 0                  0                                      0
         897072                 0                 0                  0                                      0
         920825                 0                 0                  0                                      0
         918655                 0                 0                  0                                      0
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         905459                 0                 0                  0                                      0
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         917651                 0                 0                  0                                      0
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         913550                 0                 0                  0                                      0
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         921611                 0                 0                  0                                      0
         916861                 0                 0                  0                                      0
         923390                 0                 0                  0                                      0
         905221                 0                 0                  0                                      0
         904719                 0                 0                  0                                      0
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         918552                 0                 0                  0                                      0
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         907767                 0                 0                  0                                      0
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         888454                 0                 0                  0                                      0
         910475                 0                 0                  0                                      0
         919246                 0                 0                  0                                      0
         919444                 0                 0                  0                                      0
         909136                 0                 0                  0                                      0
         912400                 0                 0                  0                                      0
         913574                 0                 0                  0                                      0
         909294                 0                 0                  0                                      0
         909345                 0                 0                  0                                      0
         909362                 0                 0                  0                                      0
         884274                 0                 0                  0                                      0
         904836                 0                 0                  0                                      0
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         899117                 0                 0                  0                                      0
         875461                 0                 0                  0                                      0
         892234                 0                 0                  0                                      0
         874019                 0                 0                  0                                      0
         836080                 0                 0                  0                                      0
         900507                 0                 0                  0                                      0
         916775                 0                 0                  0                                      0
         927293                 0                 0                  0                                      0
         924449                 0                 0                  0                                      0
         915602                 0                 0                  0                                      0
         926157                 0                 0                  0                                      0
         890255                 0                 0                  0                                      0
         864317                 0                 0                  0                                      0
         914636                 0                 0                  0                                      0
         856643                 0                 0                  0                                      0
         922831                 0                 0                  0                                      0
         883304                 0                 0                  0                                      0
         926360                 0                 0                  0                                      0
         906571                 0                 0                  0                                      0
         897033                 0                 0                  0                                      0
         910966                 0                 0                  0                                      0
         906082                 0                 0                  0                                      0
         874425                 0                 0                  0                                      0
         861766                 0                 0                  0                                      0
         913397                 0                 0                  0                                      0
         926381                 0                 0                  0                                      0
         914970                 0                 0                  0                                      0
         914058                 0                 0                  0                                      0
         877162                 0                 0                  0                                      0
         911026                 0                 0                  0                                      0
         877698                 0                 0                  0                                      0
         907013                 0                 0                  0                                      0
         863299                 0                 0                  0                                      0
         931501                 0                 0                  0                                      0
         903844                 0                 0                  0                                      0
         905430                 0                 0                  0                                      0
         919895                 0                 0                  0                                      0
         899079                 0                 0                  0                                      0
         921113                 0                 0                  0                                      0
         925440                 0                 0                  0                                      0
         922642                 0                 0                  0                                      0
         924701                 0                 0                  0                                      0
         734928                 0                 0                  0                                      0
         891699                 0                 0                  0                                      0
         926092                 0                 0                  0                                      0
         894963                 0                 0                  0                                      0
         909131                 0                 0                  0                                      0
         909973                 0                 0                  0                                      0
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-----------------------------------------
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       48106231              N
       51565026              N
       51653525              N
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      142529528              N
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      104993645              N
      105048188              N
      105060078              N
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      105076952              N
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      105106852              N
      105106996              N
      105107076              N
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      107880977              N
      108239192              N
      108353006              N
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      115095642              NExhibit 10.1 to Deluxe Corporation Form 8-K dated November 17, 2005

EXHIBIT 10.1  

TRANSITION AGREEMENT 

        This Transition Agreement
(“Agreement”) is entered into as of November 17, 2005, by and between Deluxe Corporation, a Minnesota corporation
(“Deluxe”), and Ronald E. Eilers (“Eilers”), an individual residing in the State of Minnesota. 

        WHEREAS, Eilers has served as
the President and Chief Operating Officer of Deluxe since December 2000, and has been a member of the Board of Directors of Deluxe
(the “Board”) since August, 2000; 

        WHEREAS, Lawrence J. Mosner
(“Mosner”), the Company’s Chairman and Chief Executive Officer (“CEO”), is voluntarily retiring from his
officer and director positions with Deluxe, effective upon the election by the Board of Mosner’s successor as CEO of Deluxe;

        WHEREAS, Eilers has agreed to
succeed Mosner as CEO for the period commencing with Eilers’ election by the Board as CEO through December 31, 2006, and has
further agreed to assist his successor as CEO (the “new CEO”) and to retire voluntarily from his officer and director
positions with Deluxe upon the election of his successor as CEO; 

        WHEREAS, the Board wants to
recognize Eilers’ many years of loyal service to Deluxe and to provide for the smooth transition of the CEO position;

        WHEREAS, the parties desire
to set forth all matters regarding Eilers’ retirement as CEO, resignation from the Board and his service as a consultant to
the new CEO; and 

        WHEREAS, the Board believes
it is in the best interests of Deluxe’s shareholders to enter into this Agreement. 

        NOW THEREFORE, in
consideration of the premises and the covenants herein, the sufficiency of which is hereby acknowledged, Eilers and Deluxe agree
as follows: 

        1.       CEO
Election and Retirement as CEO.  

                   (a)       CEO
Election.   Effective upon election by the Board and continuing until the “CEO Retirement Date” (as
defined below), Eilers shall serve as CEO of Deluxe and shall be an executive officer of Deluxe and have such duties and
responsibilities customarily associated with such position. 

                   (b)       Retirement
as CEO.   Effective on the earlier of: (i) December 31, 2006, and (ii) the date on which Eilers’ successor
as CEO is elected by the Board (the “CEO Retirement Date”), Eilers shall retire as Deluxe’s CEO, from all other
officer positions he currently holds with Deluxe and its affiliates and from all director positions he holds with Deluxe and its
affiliates. Effective upon the “Full Retirement Date” (as defined below), the Executive Retention Agreement dated
December 18, 2000, between Deluxe and Eilers (the “Retention Agreement), shall terminate and be of no further force or
effect. 

  

                     (c)       Severance
Agreement.   Deluxe and Eilers are parties to that certain Severance Agreement, effective March 1, 2001, which
provides for certain benefits to Eilers upon the termination of his employment as described therein (the “Severance
Agreement”). Deluxe and Eilers agree that in Eilers’ new role as CEO the Severance Agreement shall no longer be
applicable and the Severance Agreement is therefore terminated effective upon execution of this Agreement. 

        2.       Transition
of CEO Duties.   After the CEO Retirement Date and for a period ending no later than December 31, 2006, the
final date of which is to be determined by the new CEO (the “Transition Period”), Eilers shall assist the new CEO in the
transition of his duties as CEO in a diligent and business-like manner as and when reasonably requested by the new CEO, pursuant
to the terms and conditions set forth below: 

                     (a)       Duration.
Eilers shall be available to devote his full time and effort at the Company headquarters to his transition duties through the end
of the Transition Period, as and when requested by the new CEO; the last day of Eilers’ employment with Deluxe in this
capacity is referred to herein as the “Full Retirement Date.” Deluxe shall provide Eilers with two weeks advance written
notice of the Full Retirement Date. 

                     (b)       Duties.
Such assistance may include, but not necessarily be limited to, at the direction and request of Deluxe’s new CEO: (i)
representing Deluxe with key industry, civic and philanthropic constituents, (ii) assisting Deluxe’s new CEO in maintaining
and developing business relationships with key strategic partners, (iii) regularly meeting with the new CEO to review progress
toward the refinement and execution of Deluxe’s strategy, and (iv) assisting the new CEO in the recognition and motivation of
employees in pursuing Deluxe’s strategy. 

                     (c)       Reporting
Relationship.   During the Transition Period, Eilers shall report to Deluxe’s new CEO. 

                     (d)       Manner
of Performance.   During the Transition Period, Eilers shall perform all services and duties that reasonably
may be required of him pursuant to the terms hereof, to the reasonable satisfaction of Deluxe. Eilers shall not take any action
that would be adverse to Deluxe’s business interests or that may subject Eilers, Deluxe or any of its affiliates to civil or
criminal liability. In performing services hereunder, Eilers agrees to comply in full with all applicable laws, ethical standards,
rules and regulations, and with Deluxe’s conflict of interest policies. Eilers represents that, on the date of this
Agreement, he does not have any interest in any entity that would violate Deluxe’s conflict of interest policies or
materially interfere in any manner with the performance of services under this Agreement. 

        3.       Compensation
Until the Full Retirement Date.  

                     (a)       Salary,
Bonus and Executive Benefits.   Eilers shall receive an annual salary of $625,000, commencing with his election
as CEO by the Board, to his Full Retirement Date. Eilers shall also be entitled to receive a bonus payable for 2005 and 2006
performance and other compensation to which he is entitled hereunder through the Full Retirement Date. Eilers’ target and
award under the Annual Incentive Plan for 2005 shall be pro rated for 2005 based on the number of days during 2005 Eilers was
employed in each position with Deluxe. Eilers shall continue to receive the standard executive officer benefit of Company-paid
reimbursements for financial and tax planning for 2005, in an aggregate grossed-up amount not to exceed $16,000 for 2005. Eilers
shall receive the standard executive officer benefit of Company-paid reimbursements for financial and tax planning for 2006, in an
aggregate grossed-up amount not to exceed $16,000 for 2006, such reimbursements to be payable to Eilers on December 31, 2006. On
the Full Retirement Date, all compensation related to Eilers’ employment with Deluxe under all other agreements and
arrangements, including all perquisite programs, shall cease, and no further compensation shall be due from or paid by Deluxe to
Eilers, except (i) as contemplated in this Agreement, (ii) pursuant to Deluxe employee pension or retirement plans not otherwise
referenced in this Agreement in which Eilers is currently participating and which provide for post-retirement rights to
participants, (iii) or as otherwise required by law. 

2 

                     (b)       Taxes
and Withholding.   To the extent required by the federal and applicable state income tax laws and regulations, Deluxe shall
withhold and deduct from all compensation paid to Eilers under this Agreement, including the retention bonus payment described in
Section 5(a) hereof, all required withholding and deductions. 

        4.       2006
Compensation Determinations.   The Compensation Committee of the Board (the “Committee”) shall
authorize the following compensation for Eilers for services as CEO during 2006: 

                     (a)       Annual
Bonus.   Eilers shall participate in the Annual Incentive Plan for 2006, and shall be entitled to be paid a
pro-rated portion of the bonus that he would otherwise receive thereunder for the portion of the calendar year 2006 ending on the
Full Retirement Date; provided that, Eilers shall not be eligible to defer any portion of this bonus, if any, into
restricted stock units as set forth in such plan. Any such bonus payout shall be made in February 2007, at the same time as
payments under such plan are usually made. 

                     (b)       Long-Term
Incentives.   Eilers shall not participate in the annual Long-Term Incentive Program (“LTIP”) for
2006, the stock option, restricted stock and performance award share awards for which are typically made at the April 2006
Committee meeting. In lieu thereof, and in order to provide sufficient incentive for Eilers to manage the Company for the
long-term best interests of the Company and its shareholders, Eilers shall be eligible to receive a lump-sum cash payment, within
20 business days after the Full Retirement Date (or later pursuant to Section 5(e) below if applicable), equal to a pro-rated
portion of $300,000 for the portion of the calendar year 2006 ending on the Full Retirement Date (net of any withholding or other
taxes applicable to such payment). 

        5.       Retention
Incentives.   As additional consideration for Eilers agreeing to serve in the roles contemplated by this
Agreement, Deluxe shall make the following payments to and distributions for the benefit of, Eilers: 

                     (a)       Retention
Bonus.   Unless, prior to the Full Retirement Date, Eilers’ employment with Deluxe is terminated by Deluxe
for “Cause” (as defined below) or by Eilers for “Good Reason” (as defined below), Deluxe shall pay to Eilers a
lump sum retention bonus equal to 1.5 times his then-current annual salary (the “Retention Bonus”) within 20 business
days after the Full Retirement Date (net of any withholding or other taxes applicable to such payment) (or later pursuant to
Section 5(e) below if applicable). If Deluxe terminates Eilers’ employment for Cause, then he shall forfeit all rights to
receive the Retention Bonus. If Eilers’ terminates his employment with Deluxe for Good Reason, then he shall be entitled to
receive his Retention Bonus within 20 business days after his last day of employment (net of any withholding or other taxes
applicable to such payment) (or later pursuant to Section 5(e) below if applicable). 

3 

                                As used herein,
“Cause” means Eilers’ (i) continued failure to perform substantially his duties with Deluxe, including his
duties under this Agreement (other than any such failure resulting from incapacity due to physical or mental illness or any
such actual or anticipated failure after Eilers’ delivery of a written notice to Deluxe’s General Counsel that
Eilers is terminating his employment for Good Reason), after a written demand for substantial performance is delivered to
Eilers which specifically identifies the manner in which Deluxe believes that Eilers has not substantially performed his
duties, (ii) conviction of a felony, or (iii) willful engagement in (A) other illegal conduct relating to the business
or assets of Deluxe, or (B) gross misconduct. 

                                “Good
Reason” means (i) Deluxe’s continued failure to perform substantially its duties under this Agreement after
a written demand for substantial performance is delivered to Deluxe by Eilers which specifically identifies the manner
in which Eilers believes that Deluxe has not substantially performed its duties, (ii) Deluxe’s requiring Eilers to be
based at any location more than 50 miles from Deluxe’s current headquarters location in Shoreview, Minnesota; or (iii)
any request or requirement by Deluxe that Eilers take any action or omit to take any action that is inconsistent with or in
violation of Deluxe’s ethical guidelines and policies as the same exist today or as they may be modified hereafter or any
professional ethical guidelines or principles that may be applicable to Eilers. 

                     (b)       Recognition
of Qualified or Approved Retirement.   Effective as of the Full Retirement Date, the Committee shall recognize
Eilers’ retirement as a (i) “Qualified Retirement” for purposes of Eilers’ Restricted Stock Award
Agreements dated May 4, 2004 and April 27, 2005, his Performance Award Agreements dated May 4, 2004 and April 27,
2005, and his Nonqualified Stock Option Agreements dated March 10, 2003, May 4, 2004 and April 27, 2005, and an
“Approved Retirement” under Eilers’ Agreement for Awards Payable in Restricted Stock Units issued under
Deluxe’s Annual Incentive Plan for plan years 2004 and 2005, and his Nonqualified Stock Option Agreements dated May 9, 2000
and January 26, 2001, in all cases, with the Company.

                     (c)       Medical
Coverage.   Effective as of the Full Retirement Date, Eilers shall be deemed to be a “qualified
retiree” under all medical plans currently available to executive officers of Deluxe. As a “qualified retiree,”
Eilers and his wife would continue to be covered under all medical plans currently available to executive officers of Deluxe for
the remainder of his and his wife’s lives, subject to any changes in such plans as may be made generally. Under current plan
terms, costs would be shared by Eilers and Deluxe in the following proportions: until he reaches age 65, Eilers would bear 65% of
the insurance premiums and Deluxe would bear 35%; at and after age 65, Eilers would bear 25% and Deluxe would bear 75%.

4 

                     (d)       Interpretation.   The
existence of any dispute respecting the interpretation of this Agreement or the Release, or the alleged breach of this Agreement
or the Release, will not nullify or otherwise affect Deluxe’s obligations to recognize Eilers’ retirement as
“Qualified” or “Approved” pursuant to Sections 5(b) and 5(c) hereof. 

                     (e)       Tax
Compliance.   Notwithstanding anything to the contrary herein, if either Deluxe or Eilers determines in good
faith that any payment or benefit due to Eilers under this Agreement is subject to Section 409A(a)(2)(B)(i) of the Internal
Revenue Code, as amended (the “Code”) (the six month distribution delay requirement for certain payments to key
employees of publicly traded companies), such payment or benefit shall not be made or provided sooner than permitted under such
Section 409A(a)(2)(B)(i) and shall be made or provided on the date that is the first business day after the date that is six
months after the date of Eilers’ “separation from service”, as such phrase is defined under Section 409A of the
Code (“Section 409A”) and the guidance and regulations interpreting Section 409A. Deluxe shall consult with Eilers
before making any such determinations. 

        6.       Continued
Executive Benefits.  

                     (a)       Prior
to Full Retirement Date.   Until the Full Retirement Date, Eilers shall be entitled to such medical,
disability, life insurance coverage, vacation, sick leave, holiday benefits and any other benefits, in each case as are
customarily made available to Deluxe’s executive officers, all in accordance with Deluxe’s benefits program in effect
from time to time. 

                     (b)       After
Full Retirement Date.   After the Full Retirement Date, Eilers shall be entitled only to the benefits set forth
in Section 4, Section 5 and the second sentence of Section 3(a) of this Agreement. For the avoidance of doubt, the parties
acknowledge and agree that Eilers shall not continue to participate, after the Full Retirement Date, in any of the following
plans, in each case, as amended to date, except with respect to vested balances of deferred accounts existing in any such plan as
of the Full Retirement Date: (i) Amended and Restated 2000 Employee Stock Repurchase Plan, (ii) Deluxe Corporation Deferred
Compensation Plan (2001 Restatement), (iii) Deluxe Corporation Executive Deferred Compensation Plan for Employee Retention and
Other Eligible Arrangements, (iv) Deluxe Corporation Supplemental Benefit Plan, and (v) any executive perquisite plan of Deluxe,
other than as set forth in the second sentence of Section 3(a) hereof. 

                     (c)       Death
or Disability.   In the event that Eilers dies prior to the Full Retirement Date, his heirs, representatives or
his estate shall be entitled to the compensation and benefits described in Sections 4(a) and 4(b) (using the actual days through
his date of death to determine the pro-rated portion described therein) and Section 5; provided that an authorized
representative enters into the Release on behalf of such heirs, representatives or estate. In the event that Eilers becomes
disabled to the degree that he cannot perform his normal duties hereunder prior to the Full Retirement Date, then he shall be
entitled to the compensation and benefits described in Sections 4(a) and 4(b) (using the actual days through the Full Retirement
Date to determine the pro-rated portion described therein) and Section 5; provided that he enters into the Release, or his
authorized representative enters into the Release on his behalf. 

5 

        7.       Release.   In
consideration of the promises, covenants and other valuable consideration provided by Deluxe in this Agreement, Eilers agrees
that, for him to be entitled to receive the payments and other benefits described in this Agreement, he will execute the Release
attached hereto as Exhibit A on the Full Retirement Date. Deluxe will also execute the Release on the Full Retirement Date.

        8.       Confidential
Information.   Eilers will not make any unauthorized use, publication or disclosure, either during or after the
Transition Period, of any information generated or acquired by him during his employment with Deluxe, including, but not limited
to, information of a confidential or trade secret nature (“Confidential Information”). Confidential Information includes
information not generally known by or available to the public about or belonging to Deluxe or belonging to other persons to whom
Deluxe may have an obligation to maintain information in confidence. Authorization for disclosure of Confidential Information may
be obtained only through Deluxe’s General Counsel or designee. Eilers will not disclose to Deluxe, or induce Deluxe to use,
any confidential or trade secret information or material belonging to others. 

        9.       Non-Competition.   During
the Transition Period and for a period of five consecutive years thereafter, Eilers agrees not to compete with Deluxe in
accordance with the terms set forth below. 

                     (a)       As
an inducement for Deluxe to enter into the Agreement, during the Transition Period and for a period of five years from the end of
the Transition Period, Eilers will not, directly or indirectly, engage in, acquire, own or hold a business anywhere in the United
States that competes with the business of Deluxe or any subsidiary of Deluxe as conducted prior to the completion of the
Transition Period (the “Deluxe Restricted Business”), including as a proprietor, principal, agent, partner,
officer, director, stockholder, employee, member of any association, consultant or otherwise. 

                     (b)       The
restrictions set forth in Section 9(a) shall not prohibit the ownership by Eilers of up to two percent of the issued and
outstanding capital stock of a publicly held entity carrying on a Deluxe Restricted Business, so long as Eilers does not
participate in the control or take an active part in the management or direction thereof and does not in any way render services
thereto. 

                     (c)       During
the Transition Period and for a period of five years from the end of the Transition Period, except as otherwise agreed to in
writing by Deluxe, Eilers agrees not to, and shall not cause or permit any of his affiliates to, directly or indirectly,
(i) solicit for employment, induce or attempt to induce the termination of employment of any employee of Deluxe or any of its
subsidiaries, or materially interfere with the employment relationship between Deluxe or any of its subsidiaries and any employee
thereof or (ii) induce or attempt to induce any customer or supplier of Deluxe to cease doing business with Deluxe, or
materially interfere with the business relationship between Deluxe and any customer or supplier thereof. As used herein,
“affiliate” of a person or entity shall mean any other person or entity which controls, is controlled by, or is under
common control with, the initial person or entity. 

6 

                     (d)       The
parties intend that each of the covenants contained in this Section 9 shall be construed as a series of separate covenants,
one for each state of the United States and each county of each state of the United States. Except for geographic coverage, each
such separate covenant shall be deemed identical in terms to the covenant contained in the preceding subsections of this
Section 9. If, in any judicial proceeding, a court shall refuse to enforce any of the separate covenants (or any part
thereof) deemed included in those subsections, then such unenforceable covenant (or such part) shall be deemed eliminated from
this Agreement for the purpose of those proceedings to the extent necessary to permit the remaining separate covenants (or
portions thereof) to be enforced. In the event that the provisions of this Section 9 should ever be deemed to exceed the time
or geographic limitations, or the scope of this covenant, permitted by applicable law, then such provisions shall be reformed and
enforced to the maximum time or geographic limitations, as the case may be, permitted by applicable laws. The unenforceability of
any covenant in this Section 9 shall not preclude the enforcement of any other of said covenants or provisions or of any
other obligation of Eilers or Deluxe hereunder, and the existence of any claim or cause of action of Eilers or Deluxe against the
other, whether predicated on the Agreement or otherwise, shall not constitute a defense to the enforcement by Deluxe of any of
said covenants. 

                     (e)       It
is understood and agreed that damages may be an inadequate remedy in the event of a breach or attempted or threatened breach by
Eilers of any of his obligations in this Section 9, and that any such breach may cause Deluxe irreparable injury and damage.
Accordingly, Eilers agrees that Deluxe shall be entitled, without waiving any additional rights or remedies otherwise available to
Deluxe, to injunctive and other such equitable relief in the event of a breach or intended or threatened breach of any of said
covenants by Eilers. 

        10.       Return
of Property.   Before the end of the Transition Period, Eilers shall return all equipment and property in his
possession that belongs to Deluxe, including all files and programs stored electronically or otherwise that relate or refer to
Deluxe, and all original and copies of documents, notes, memoranda or any other written materials that relate or refer to Deluxe,
including material that constitutes Confidential Information, other than information or documents relating to Eilers’ Deluxe
compensation or benefit plans or programs in which he participates or participated. 

        11.       Non-Disparagement.   Eilers
agrees that he will not, and will use his reasonable efforts not to allow anyone acting on his behalf or at his direction at any
time to, defame or disparage Deluxe or the “Released Parties” (as such term is defined in the Release attached as
Exhibit hereto), their plans, or their actions to any third party, either orally or in writing. Deluxe agrees that it will not,
and it will use its reasonable efforts to cause the Released Parties to not, criticize, defame or disparage Eilers, his plans, or
his actions to any third party, either orally or in writing. The provisions of this Section 11 shall not apply to any truthful
statement(s) required to be made by Eilers, by any Released Party or by any representative of Eilers or a Released Party in any
legal proceeding or governmental (including all agencies thereof) or regulatory filing, investigation or proceeding. 

        12.       Deluxe’s
Default in Payment.   Should Deluxe default in timely payment on the due date of any payment or amount due
under this Agreement, Eilers shall give written notice of such default to the person specified in or pursuant to this Agreement to
receive notice on behalf of Deluxe. Deluxe shall have ten calendar days after the receipt of such a notice of default to cure any
payment default.

7 

        13.       Breach
of this Agreement.   If a court of competent jurisdiction determines that either party has breached or failed
to perform any part of this Agreement, the parties agree that the non-breaching party shall be entitled to injunctive relief to
enforce this Agreement and that the breaching party shall be responsible for paying the non-breaching party’s costs and
attorneys’ fees incurred in enforcing this Agreement. 

        14.       Severability.   If
any provision of this Agreement is held by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining
provisions shall nevertheless continue in full force and effect. 

        15.       Ambiguities
in this Agreement.   The parties acknowledge that this Agreement has been drafted, prepared, negotiated and
agreed to jointly, with advice of each party’s respective counsel, and to the extent that any ambiguity should appear, now or
at any time in the future, latent or apparent, such ambiguity shall not be resolved or construed against either party. 

        16.       Notices.   All
notices and other communications hereunder shall be in writing. Any notice or other communication hereunder shall be deemed duly
given if it is sent by registered or certified mail, return receipt requested, postage prepaid, and addressed to the intended
recipient as set forth: 

	  	If to Eilers, to his current residence address maintained
in Deluxe’s records.

Facsimile: 

	  	If to Deluxe:  

	  	Deluxe Corporation

3680 Victoria Street North

Shoreview, MN 55126-2966

Attention: General Counsel and

   Senior Vice President, Human Resources

Facsimile: (651) 787-1400 

Any party may send any notice or other communication hereunder to the
intended recipient at the address set forth using any other means (including personal delivery, expedited courier, messenger
services, facsimile, ordinary mail or electronic mail), but no such notice or other communication shall be deemed to have been
duly given unless and until it is actually received by the intended recipient. Any party may change the address to which notices
and other communications hereunder are to be delivered by giving the other party notice in the manner set forth herein.

8 

        17.       Counterpart
Agreements.   This Agreement may be executed in multiple counterparts, whether or not all signatories appear on
these counterparts, and each counterpart shall be deemed an original for all purposes. 

        18.       Choice
of Law.   This Agreement shall be deemed performable by all parties in, and venue shall be in the state or
federal courts located in, Ramsey County, Minnesota, and the construction and enforcement of this Agreement shall be governed by
Minnesota law without regard to its conflict of laws rules. 

        19.       No
Assignment of Claims.   Eilers shall not assign or delegate any of his rights or obligations under this
Agreement without the prior written consent of Deluxe, and any attempted assignment without Deluxe’s consent shall be void ab
initio. Deluxe may assign this Agreement to any successor of Deluxe or any purchaser of all or substantially all of the assets of
Deluxe. 

        20.       Entire
Agreement.   This Agreement, the Release, any stock option agreements, any restricted stock agreements, any
performance share awards, and any employee benefit plans or programs sponsored by Deluxe in which Eilers is a participant, set
forth the entire agreement between the parties, and any and all prior agreements, understandings, or representations between the
parties pertaining to the subject matter of this Agreement are superceded; provided, however, that the Retention Agreement
continues in full force and effect until terminated in accordance with Section 1 hereof. 

        21.       Binding
Effect of Agreement.   This Agreement shall be binding upon Eilers, Deluxe and their heirs, administrators,
representatives, executors, successors and permitted assigns. 

        22.       Authority.   The
undersigned director of Deluxe represents and warrants that he has authority to enter into this Agreement on behalf of Deluxe.

[Signature Page to Follow] 

9 

        The parties have duly
executed this Agreement as of the date first written above. 

	 	DELUXE CORPORATION 
	 
	 	/s/   Stephen P. Nachtsheim 

	    	By:    	Stephen P. Nachtsheim
	    	Title:    	Lead Independent Director 
	 
	 	/s/   Ronald E. Eilers 

	 	Ronald E. Eilers 

10 

EXHIBIT A 

RELEASE 

        This Release
(“Release”) is entered into as of __________, 2006, by and between Deluxe Corporation, a Minnesota corporation
(“Deluxe”), and Ronald E. Eilers (“Eilers”), an individual residing in the State of Minnesota. 

        WHEREAS, this Release is
executed pursuant to Section 7 of the Transition Agreement dated as of November 17, 2005, by and between Deluxe and Eilers (the
“Transition Agreement”). 

        1.       Eilers’ Release.   In
consideration of the promises, covenants and other valuable consideration provided by Deluxe in the Transition Agreement and in
this Release, Eilers hereby unconditionally releases and discharges Deluxe and its affiliates, and their current and former
employees, officers, agents, directors, shareholders, and insurers (collectively referred to as “Released Parties”) from
any and all claims, causes of action, losses, obligations, liabilities, damages, judgments, costs, expenses (including
attorneys’ fees) of any nature whatsoever, known or unknown, contingent or non-contingent (collectively, “Claims”),
that Eilers had or has as of the date of this Release arising (i) out of or relating to Eilers’s hiring, employment, or
retirement with Deluxe and (ii) under any federal or state law, including, but not limited to, the Age Discrimination in
Employment Act of 1967, 42 U.S.C. §§ 1981-1988, Title VII of the Civil Rights Act of 1964, the Equal Pay Act, the
Employee Retirement Income Security Act of 1974, the Consolidated Omnibus Budget Reconciliation Act of 1986, the National Labor
Relations Act, the Occupational Safety and Health Act, the Fair Labor Standards Act, the Family and Medical Leave Act of 1993, the
Workers Adjustment and Retraining Notification Act, the Americans with Disabilities Act of 1990, the Minnesota Labor Code (Chapter
181), the Minnesota Human Rights Act, and any provision of the state or federal Constitutions or Minnesota common law. This
Release includes but is not limited to any claims Eilers may have for salary, wages, severance pay, vacation pay, sick pay,
bonuses, benefits, pension, stock options, restricted stock, overtime, and any other compensation or benefits of any nature. This
release also includes but is not limited to all common law claims including but not limited to claims for wrongful discharge,
breach of express or implied contract, implied covenant of good faith and fair dealing, intentional or negligent infliction of
emotional distress, fraud, intentional or negligent misrepresentation, violation of public policy, defamation, conspiracy,
invasion of privacy, and/or tortious interference with current or prospective contractual relations or business relationships.
Furthermore, Eilers relinquishes any right to re-employment with Deluxe or the Released Parties. Eilers also relinquishes any
right to further payment or benefits under any employment agreement, benefit plan or severance arrangement maintained or
previously or subsequently maintained by Deluxe or any of the Released Parties or any of its respective predecessors or
successors, except that he does not release any rights he has under the Transition Agreement or any claims based upon events
occurring after the date of this Release. Eilers also does not release his right to enforce the terms of this Release or the
Transition Agreement or his right to indemnification and advancement of expenses under any agreement he has entered into with
Deluxe, under Deluxe’s charter or by-laws or under any insurance policy maintained by Deluxe that is applicable to its
current or former directors and officers, or under any applicable law relating to officers, directors or employees. 

  

        2.       Deluxe’s
Release.   Deluxe on its own behalf and on behalf of its corporate affiliates hereby unconditionally releases
and discharges Eilers from any and all Claims that they had or have as of the date of this Release, except to the extent that such
Claims arise from intentional wrongdoing or any violations of law by Eilers. However, Deluxe does not release its right to enforce
the terms of this Release or the Transition Agreement. 

        3.       No
Claims Against Released Parties.   Eilers warrants and represents that, to the full extent permitted by law, he
will not bring against Deluxe or any of the Released Parties any claim or lawsuit seeking monetary damages that is related to any
matters released by Eilers under Section 1 of this Release. Eilers agrees that if he brings or asserts any such action or lawsuit,
he shall pay all costs and expenses, including reasonable attorneys’ fees, incurred by Deluxe or the Released Parties in
dismissing or defending the action or lawsuit. Nothing in this provision, however, shall be interpreted to prevent Eilers from
bringing a claim or lawsuit to enforce the terms of this Release or the Transition Agreement. This Section 3 shall not apply to
any claims Eilers may have asserting rights under the Older Worker Benefit Protection Act. 

        To the extent required by
law, nothing contained in this Section 3 will be interpreted to prevent Eilers from filing a charge with a governmental agency or
participating in or cooperating with an investigation conducted by a governmental agency. However, Eilers agrees that he is
waiving the right to monetary damages or any other individual legal or equitable relief that might be awarded as a result of any
such charge or proceeding related to any claim against the Released Parties arising from or relating to any events occurring prior
to his signing of this Release. 

        4.       Rescission.   Eilers
has been informed of his right to revoke this Release insofar as it extends to potential claims under the Age Discrimination in
Employment Act by informing Deluxe of his intent to revoke this Agreement within seven (7) calendar days following the Execution
Date. Eilers has likewise been informed of his right to rescind this Release insofar as it relates to potential claims under the
Minnesota Human Rights Act by written notice to Deluxe within fifteen (15) calendar days following the Execution Date. Eilers has
further been informed and understands that any such rescission must be in writing and hand-delivered to Deluxe or, if sent by
mail, postmarked within the applicable time period, sent by certified mail, return receipt requested, and addressed as follows:

	  	Luann Widener

Senior Vice President, Human Resources

Deluxe Corporation

3680 Victoria Street North

Shoreview, MN 55126-2966 

        Eilers and Deluxe agree that
if Eilers exercises this right of rescission, this Release shall be null and void and Eilers shall return to Deluxe any
consideration paid or benefit provided pursuant to the Transition Agreement or this Release contemporaneously with the delivery of
rescission notice. Eilers specifically understands and agrees that any attempt by him to revoke this Release after the specified
period for rescission has expired is, or will be, ineffective. 

2 

        5.       No
Claims Against Eilers.   Deluxe warrants and represents that it will not bring any claim or lawsuit against
Eilers related to any matters released by Deluxe under Section 2 of this Release. Deluxe agrees that if it brings or asserts any
such action or lawsuit, it shall pay all costs and expenses, including reasonable attorneys’ fees, incurred by Eilers in
dismissing or defending the action or lawsuit. Nothing in this provision, however, shall be interpreted to prevent Deluxe from
bringing a claim or lawsuit to enforce the terms of this Release or the Transition Agreement. 

        6.       Breach
of this Release.   If a court of competent jurisdiction determines that either party has breached or failed to
perform any part of this Release, the parties agree that the non-breaching party shall be entitled to injunctive relief to enforce
this Release and that the breaching party shall be responsible for paying the non-breaching party’s costs and attorneys’
fees incurred in enforcing this Release. 

        7.       Severability.   If
any provision of this Release is held by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining
provisions shall nevertheless continue in full force and effect. 

        8.       Ambiguities
in this Release.   The parties acknowledge that this Release has been drafted, prepared, negotiated and agreed
to jointly, with advice of each party’s respective counsel, and to the extent that any ambiguity should appear, now or at any
time in the future, latent or apparent, such ambiguity shall not be resolved or construed against either party. 

        9.       Opportunity
to Review.   Eilers has read this Release and agrees to the conditions and obligations set forth. Further,
Eilers agrees that he has had adequate time to consider the terms of this Release, that he is voluntarily entering into this
Release with full understanding of its meaning, and that he has in fact consulted with his attorneys for advice in connection with
this Release. 

        10.       Counterpart
Agreements.   This Release may be executed in multiple counterparts, whether or not all signatories appear on
these counterparts, and each counterpart shall be deemed an original for all purposes. 

        11.       No
Assignment of Claims.   Eilers represents and warrants that he has not transferred or assigned to any person or
entity any Claim involving Deluxe or the Released Parties or any portion thereof or interest therein. Deluxe represents and
warrants on its own behalf and on behalf of its corporate affiliates that they have not transferred or assigned to any person or
entity any Claim involving Eilers or any portion thereof or interest therein. 

        12.       Authority.   The
undersigned officer *[director] of Deluxe represents and warrants that he has authority to enter into this Release on behalf of
Deluxe and its affiliates.  

3 

        13.       Binding
Effect of Release.   This Release shall be binding upon Eilers, Deluxe and their heirs, administrators,
representatives, executors, successors and permitted assigns. 

        14.       Time
to Sign and Return Release.   Eilers acknowledges and agrees that he first received the original of this
Release on or before _____________, 2005. Eilers also understands and agrees that he has been given at least 21 calendar days from
the date he first received this Release to obtain the advice and counsel of the legal representative of his choice and to decide
whether to sign it. Eilers acknowledges that he has been advised and has sought the advice of his own counsel. No payments or
benefits pursuant to the Transition Agreement shall become due until Eilers has executed this Release and the periods for
rescission specified in Section 4 of this Release have expired without any rescission having occurred. Eilers represents and
agrees that he has thoroughly discussed all aspects and effects of this Release with his attorney, that he has had a reasonable
time to review this Release, that he fully understands all the provisions of this Release and that he is voluntarily entering into
this Release. BY SIGNING THIS RELEASE, EILERS ACKNOWLEDGES THAT HE HAS CAREFULLY READ THIS RELEASE, THAT HE UNDERSTANDS ALL OF ITS
TERMS, AND THAT HE IS ENTERING INTO IT VOLUNTARILY. HE FURTHER ACKNOWLEDGES THAT HE IS AWARE OF HIS RIGHTS TO REVIEW AND CONSIDER
THIS RELEASE FOR 21 DAYS AND TO CONSULT WITH AN ATTORNEY ABOUT IT, AND STATES THAT BEFORE SIGNING THIS RELEASE, HE HAS EXERCISED
THESE RIGHTS TO THE FULL EXTENT THAT HE DESIRED. HE ALSO ACKNOWLEDGES THAT HE WILL BE RECEIVING BENEFITS THAT HE WOULD NOT
OTHERWISE BE ENTITLED TO RECEIVE EXCEPT BY VIRTUE OF HIS ENTERING INTO THIS RELEASE. 

[Signature Page to Follow] 

4 

        The parties have duly
executed this Release as of the date first written above. 

	 	DELUXE CORPORATION 
	 
	 	 

	    	By:    	
	    	Title:    	 
	 
	 	

	 	Ronald E. Eilers 

5

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