EX-10 2 rs6psafinal.txt EX 10.1 POOLING AND SERVICING AGREEMENT RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., Depositor, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and JPMORGAN CHASE BANK Trustee POOLING AND SERVICING AGREEMENT Dated as of June 1, 2004 Mortgage Asset-Backed Pass-Through Certificates Series 2004-RS6

xii This Pooling and Servicing Agreement, effective as of June 1, 2004, among RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as the depositor (together with its permitted successors and assigns, the "Depositor"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and JPMORGAN CHASE BANK, a New York banking corporation, as trustee (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Depositor intends to sell mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued hereunder in twenty-four classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans (as defined herein). REMIC I As provided herein, the REMIC Administrator will make an election to treat the segregated pool of assets consisting of the Group I Loans and certain other related assets (exclusive of the Reserve Fund) subject to this Agreement as a real estate mortgage investment conduit (a "REMIC") for federal income tax purposes, and such segregated pool of assets will be designated as "REMIC I." The Class R-I Certificates will represent the sole class of "residual interests" in REMIC I for purposes of the REMIC Provisions (as defined herein) under federal income tax law. The following table irrevocably sets forth the designation, remittance rate (the "Uncertificated REMIC I Pass- Through Rate") and initial Uncertificated Principal Balance for "regular interest" in REMIC I (the "REMIC I Regular Interest"). The "latest possible maturity date" (determined solely for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii)) for the REMIC I Regular Interest shall be the 360th Distribution Date. The REMIC I Regular Interest will not be certificated. Uncertificated REMIC I Uncertificated REMIC I Latest Possible DESIGNATION Pass-Through Rate Principal Balance Maturity Date ----------- ----------------- ------------- REMIC I Regular Interest A Variable(1) $300,000,610.71 June 25, 2034

--------------- (1) Calculated as provided in the definition of Uncertificated REMIC I Pass-Through Rate. REMIC II As provided herein, the REMIC Administrator will make an election to treat the segregated pool of assets consisting of the Group II Loans and certain other related assets (exclusive of the Reserve Fund) subject to this Agreement as a REMIC for federal income tax purposes, and such segregated pool of assets will be designated as "REMIC II." The Class R-II Certificates will represent the sole class of "residual interests" in REMIC II for purposes of the REMIC Provisions under federal income tax law. The following table irrevocably sets forth the designation, remittance rate (the "Uncertificated REMIC II Pass-Through Rate") and initial Uncertificated Principal Balance for the "regular interest" in REMIC II (the "REMIC II Regular Interest"). The "latest possible maturity date" (determined solely for purposes of satisfying Treasury regulation Section 1.860G- 1(a)(4)(iii)) for the REMIC II Regular Interests shall be the 360th Distribution Date. The REMIC II Regular Interest will not be certificated. Uncertificated REMIC II Uncertificated REMIC II Latest Possible DESIGNATION Pass-Through Rate Principal Balance Maturity Date ----------- ----------------- ----------------- ------------- REMIC II Regular Interest B Variable(1) $700,001,752.18 June 25 ,2034

--------------- (1) Calculated as provided in the definition of Uncertificated REMIC II Pass-Through Rate. REMIC III As provided herein, the REMIC Administrator will make an election to treat the segregated pool of assets consisting of the REMIC I Regular Interest and the REMIC II Regular Interest and certain other related assets (exclusive of the Reserve Fund) subject to this Agreement as a real estate mortgage investment conduit (a "REMIC") for federal income tax purposes, and such segregated pool of assets will be designated as "REMIC III." The Class R-III Certificates will represent the sole class of "residual interests" in REMIC III for purposes of the REMIC Provisions (as defined herein) under federal income tax law. The following table irrevocably sets forth the designation, remittance rate (the "Uncertificated REMIC III Pass-Through Rate") and initial Uncertificated Principal Balance for each of the "regular interests" in REMIC III (the "REMIC III Regular Interests"). The "latest possible maturity date" (determined solely for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii)) for each REMIC III Regular Interest shall be the 360th Distribution Date. None of the REMIC III Regular Interests will be certificated.

--------------- (1) Calculated as provided in the definition of Uncertificated REMIC III Pass-Through Rate. 1 REMIC IV As provided herein, the REMIC Administrator will elect to treat the segregated pool of assets consisting of the REMIC III Regular Interests as a REMIC for federal income tax purposes, and such segregated pool of assets will be designated as REMIC IV. The Class R-IV Certificates will represent the sole class of "residual interests" in REMIC IV for purposes of the REMIC Provisions under federal income tax law. The following table irrevocably sets forth the designation, Pass-Through Rate, aggregate Initial Certificate Principal Balance, certain features, Final Scheduled Distribution Date and initial ratings for each Class of Certificates comprising the interests representing "regular interests" in REMIC IV and the Class R Certificates. The "latest possible maturity date" (determined solely for purposes of satisfying Treasury Regulation Section 1.860G-1(a)(4)(iii)) for each Class of REMIC IV Regular Certificates shall be the 360th Distribution Date.

--------------- (1) Subject to a cap as described in the definition of "Pass-Through Rate" herein. Calculated in accordance with the definition of "Pass-Through Rate" herein. (2) On and after the second Distribution Date after the first possible Group I Optional Termination Date, the Pass-Through Rates on the Class A-I-5, Class M-I-1, Class M-I-2, Class M-I-3 and Class M-I-4 Certificates will increase by a per annum rate equal to 0.50%. On and after the second Distribution Date after the first possible Group II Optional Termination Date, 2 the margin on each of the Class A-II Certificates will double and the margin on each of the Class M-II Certificates will increase by 1.5 times. (3) The Class SB Certificates will accrue interest as described in the definition of Accrued Certificate Interest. The Class SB Certificates will not accrue interest on their Certificate Principal Balance. The Group I Loans have an aggregate Cut-off Date Principal Balance equal to $300,000,610.71. The Group I Loans are fixed-rate, fully amortizing, first lien mortgage loans having terms to maturity at origination or modification of generally not more than 15 or 30 years. The Group II Loans have an aggregate Cut-off Date Principal Balance equal to $700,001,752.18. The Group II Loans are adjustable-rate, fully amortizing, first lien mortgage loans having terms to maturity at origination or modification of generally not more than 30 years. In consideration of the mutual agreements herein contained, the Depositor, the Master Servicer and the Trustee agree as follows: 3 ARTICLE I DEFINITIONS Section 1.01. Definitions. ----------- Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accrued Certificate Interest: With respect to each Distribution Date and the Class A Certificates and Class M Certificates, interest accrued during the preceding Interest Accrual Period on its Certificate Principal Balance immediately prior to such Distribution Date at the related Pass- Through Rate for that Distribution Date. The amount of Accrued Certificate Interest on each Class of Certificates shall be reduced by the amount of (a) Prepayment Interest Shortfalls on the Mortgage Loans during the prior calendar month (to the extent not covered by Eligible Master Servicing Compensation pursuant to Section 3.16) and Relief Act Shortfalls on Mortgage Loans during the related Due Period, in each case to the extent allocated to that Class of Certificates pursuant to Section 4.02(h); and (b) the interest portion of Realized Losses allocated to such Class through Subordination as described in Section 4.05. With respect to each Distribution Date and the Class SB Certificates, interest accrued during the preceding Interest Accrual Period at the related Pass-Through Rate for that Distribution Date on the notional amount as specified in the definition of Pass-Through Rate, immediately prior to such Distribution Date in each case, reduced by any interest shortfalls with respect to the Mortgage Loans in the related Loan Group including Prepayment Interest Shortfalls to the extent not covered by Eligible Master Servicing Compensation pursuant to Section 3.16 or by Group I or Group II Excess Cash Flow pursuant to clauses (xii) through (xv) of Section 4.02(c) and clauses (xiii) through (xvi) of Section 4.02(d). In addition, Accrued Certificate Interest with respect to each Distribution Date, as to the Class SB Certificates, shall be reduced by an amount equal to the interest portion of Realized Losses allocated to the Group I Overcollateralization Amount or Group II Overcollateralization Amount, as applicable, pursuant to Section 4.05 hereof. Accrued Certificate Interest on the Class A-I Certificates (other than the Class A-I-1 Certificates), Class M-I Certificates and Class SB Certificates shall accrue on the basis of a 360-day year consisting of twelve 30-day months. Accrued Certificate Interest on the Class A-I-1, Class A-II and Class M-II Certificates shall accrue on the basis of a 360-day year and the actual number of days in the related Interest Accrual Period. Adjusted Mortgage Rate: With respect to any Mortgage Loan and any date of determination, the Mortgage Rate borne by the related Mortgage Note, less the related Subservicing Fee Rate. Adjustment Date: As to each adjustable rate Mortgage Loan, each date set forth in the related Mortgage Note on which an adjustment to the interest rate on such Mortgage Loan becomes effective. 4 Advance: As to any Mortgage Loan, any advance made by the Master Servicer, pursuant to Section 4.04. Affiliate: With respect to any Person, any other Person controlling, controlled by or under common control with such first Person. For the purposes of this definition, "control" means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms "controlling" and "controlled" have meanings correlative to the foregoing. Agreement: This Pooling and Servicing Agreement and all amendments hereof and supplements hereto. Amount Held for Future Distribution: As to any Distribution Date, the total of the amounts held in the Custodial Account at the close of business on the preceding Determination Date on account of (i) Liquidation Proceeds, Subsequent Recoveries, REO Proceeds, Insurance Proceeds, Principal Prepayments, Mortgage Loan purchases made pursuant to Section 2.02, 2.03, 2.04, 4.07 or 4.08 and Mortgage Loan substitutions made pursuant to Section 2.03 or 2.04 received or made in the month of such Distribution Date (other than such Liquidation Proceeds, Insurance Proceeds, REO Proceeds, Subsequent Recoveries and purchases of Mortgage Loans that the Master Servicer has deemed to have been received in the preceding month in accordance with Section 3.07(b)) and (ii) payments which represent early receipt of scheduled payments of principal and interest due on a date or dates subsequent to the Due Date in the related Due Period. Appraised Value: As to any Mortgaged Property, one of the following: (i) the lesser of (a) the appraised value of such Mortgaged Property based upon the appraisal made at the time of the origination of the related Mortgage Loan, and (b) the sales price of the Mortgaged Property at such time of origination, (ii) in the case of a Mortgaged Property securing a refinanced or modified Mortgage Loan, one of (1) the appraised value based upon the appraisal made at the time of origination of the loan which was refinanced or modified, (2) the appraised value determined in an appraisal made at the time of refinancing or modification or (3) the sales price of the Mortgaged Property, or (iii) with respect to the Mortgage Loans for which a broker's price opinion was obtained, the value contained in such opinion. Assignment: An assignment of the Mortgage, notice of transfer or equivalent instrument, in recordable form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect of record the sale of the Mortgage Loan to the Trustee for the benefit of Certificateholders, which assignment, notice of transfer or equivalent instrument may be in the form of one or more blanket assignments covering Mortgages secured by Mortgaged Properties located in the same county, if permitted by law and accompanied by an Opinion of Counsel to that effect. Assignment Agreement: The Assignment and Assumption Agreement, dated the Closing Date, between Residential Funding and the Depositor relating to the transfer and assignment of the Mortgage Loans. Bankruptcy Code: The Bankruptcy Code of 1978, as amended. 5 Book-Entry Certificate: Any Certificate registered in the name of the Depository or its nominee. Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the States of New York, Minnesota, Illinois, Texas or Michigan (and such other state or states in which the Custodial Account or the Certificate Account are at the time located) are required or authorized by law or executive order to be closed. Capitalization Reimbursement Amount: As to any Distribution Date and each Loan Group, the amount of unreimbursed Advances or Servicing Advances that were added to the Stated Principal Balance of the related Mortgage Loans during the preceding calendar month and reimbursed to the Master Servicer or Subservicer pursuant to Section 3.10(a)(vii) on or prior to such Distribution Date. Cash Liquidation: As to any defaulted Mortgage Loan other than a Mortgage Loan as to which an REO Acquisition occurred, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds and other payments or cash recoveries which the Master Servicer reasonably and in good faith expects to be finally recoverable with respect to such Mortgage Loan. Certificate: Any Class A Certificate, Class M Certificate, Class SB Certificate or Class R Certificate. Certificate Account: The account or accounts created and maintained pursuant to Section 4.01, which shall be entitled "JPMorgan Chase Bank, as trustee, in trust for the registered holders of Residential Asset Mortgage Products, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2004-RS6" and which must be an Eligible Account. Certificate Account Deposit Date: As to any Distribution Date, the Business Day prior thereto. Certificateholder or Holder: The Person in whose name a Certificate is registered in the Certificate Register, except that neither a Disqualified Organization nor a Non-United States Person shall be a holder of a Class R Certificate for any purpose hereof. Solely for the purpose of giving any consent or direction pursuant to this Agreement, any Certificate, other than a Class R Certificate, registered in the name of the Depositor, the Master Servicer or any Subservicer or any Affiliate thereof shall be deemed not to be outstanding and the Percentage Interest or Voting Rights evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests or Voting Rights necessary to effect any such consent or direction has been obtained. 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 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 an indirect participating brokerage firm for 6 which a Depository Participant acts as agent, if any, and otherwise on the books of a Depository Participant, if any, and otherwise on the books of the Depository. Certificate Principal Balance: With respect to any Class A Certificate or Class M Certificate, on any date of determination, an amount equal to (i) the Initial Certificate Principal Balance of such Certificate as specified on the face thereof minus (ii) the sum of (x) the aggregate of all amounts previously distributed with respect to such Certificate (or any predecessor Certificate) and applied to reduce the Certificate Principal Balance thereof pursuant to Sections 4.02(c) or 4.02(d) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses which were previously allocated to such Certificate (or any predecessor Certificate) pursuant to Section 4.05. With respect to each Class SB-I Certificate, on any date of determination, an amount equal to the Percentage Interest evidenced by such Certificate times an amount equal to (i) the excess, if any, of (A) the then aggregate Stated Principal Balance of the Group I Loans over (B) the then aggregate Certificate Principal Balance of the Class A-I Certificates and Class M-I Certificates then outstanding, plus (ii) any Group I Diverted Excess Spread and minus (iii) any Group II Diverted Excess Spread. With respect to each Class SB-II Certificate, on any date of determination, an amount equal to the Percentage Interest evidenced by such Certificate times an amount equal to (i) the excess, if any, of (A) the then aggregate Stated Principal Balance of the Group II Loans over (B) the then aggregate Certificate Principal Balance of the Class A-II Certificates and Class M-II Certificates then outstanding, plus (ii) any Group II Diverted Excess Spread and minus (iii) any Group I Diverted Excess Spread. The Class R Certificates will not have a Certificate Principal Balance. Certificate Register and Certificate Registrar: The register maintained and the registrar appointed pursuant to Section 5.02. Class: Collectively, all of the Certificates or uncertificated interests bearing the same designation. Class A Certificates: Any one of the Class A-I or Class A-II Certificates. Class A-I Certificates: Any one of the Class A-I-1, Class A-I-2, Class A-I-3, Class A-I-4, Class A-I-5 or Class A-I-6 Certificates. Class A-I Interest Distribution Amount: With respect to each Class of Class A-I Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class of Class A-I Certificates for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any related Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date, allocated among the Class A-I Certificates on a pro rata basis as described herein. Class A-I Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group I Stepdown Date or on or after the Group I Stepdown Date if a Group I Trigger Event is in effect for that Distribution Date, the Group I Principal Distribution Amount for that Distribution 7 Date or (ii) on or after the Group I Stepdown Date if a Group I Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the Group I Principal Distribution Amount for that Distribution Date; and (ii) the excess, if any, of (A) the aggregate Certificate Principal Balance of the Class A-I Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date, less the related Overcollateralization Floor. Class A-I-1 Certificate: Any one of the Class A-I-1 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-I Certificates, Class SB-I Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Group I Net WAC Cap Shortfall Carry-Forward Amount from the Reserve Fund. Class A-I-1 Margin: With respect to the Class A-I-1 Certificates and any Distribution Date, 0.150% per annum. Class A-I-2 Certificate: Any one of the Class A-I-2 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-I Certificates, Class SB-I Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Class A-I-3 Certificate: Any one of the Class A-I-3 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-I Certificates, Class SB-I Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Class A-I-4 Certificate: Any one of the Class A-I-4 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-I Certificates, Class SB-I Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Group I Net WAC Cap Shortfall Carry-Forward Amount from the Reserve Fund. 8 Class A-I-5 Certificate: Any one of the Class A-I-5 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-I Certificates, Class SB-I Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Group I Net WAC Cap Shortfall Carry-Forward Amount from the Reserve Fund. Class A-I-6 Certificate: Any one of the Class A-I-6 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-I Certificates, Class SB-I Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Group I Net WAC Cap Shortfall Carry-Forward Amount from the Reserve Fund. Class A-I-6 Lockout Distribution Amount: For any Distribution Date, the product of (x) the Class A-I-6 Lockout Percentage for that Distribution Date and (y) the Class A-I-6 Pro Rata Distribution Amount for that Distribution Date. In no event shall the Class A-I-6 Lockout Distribution Amount for a Distribution Date exceed the Class A-I Principal Distribution Amount for that Distribution Date or the Certificate Principal Balance of the Class A-I-6 Certificates immediately prior to that Distribution Date. Class A-I-6 Lockout Percentage: For each Distribution Date, the applicable percentage set forth below: (i) for any Distribution Date from July 2004 through and including June 2007, 0%, (ii) for any Distribution Date from July 2007 through and including June 2009, 45%, (iii) for any Distribution Date from July 2009 through and including June 2010, 80%, (iv) for any Distribution Date from July 2010 through and including June 2011, 100%, and (v) for any Distribution Date on or after July 2011, 300%. Class A-I-6 Pro Rata Distribution Amount: For any Distribution Date, an amount equal to the product of (x) a fraction, the numerator of which is the Certificate Principal Balance of the Class A-I-6 Certificates immediately prior to that Distribution Date and the denominator of which is the aggregate Certificate Principal Balance of the Class A-I Certificates immediately prior to that Distribution Date and (y) the Class A-I Principal Distribution Amount for that Distribution Date. Class A-II Certificate: Any one of the Class A-II-A Certificates and Class A-II-B Certificates. 9 Class A-II Basis Risk Shortfall: With respect to the Class A-II Certificates and any Distribution Date for which the Pass-Through Rate for such Certificates is equal to the Group II Net WAC Cap Rate, the excess, if any, of (x) Accrued Certificate Interest on that Class of Certificates on such Distribution Date, using the lesser of (a) LIBOR plus the related Class A-II Margin, as calculated for such Distribution Date, and (b) the Maximum Group II Rate, over (y) Accrued Certificate Interest on the Class A-II Certificates for such Distribution Date calculated at the Group II Net WAC Cap Rate. Class A-II Basis Risk Shortfall Carry-Forward Amount: With respect to the Class A-II Certificates and any Distribution Date, the sum of (a) the aggregate amount of Group II Basis Risk Shortfall for such Class on such Distribution Date plus (b) any Group II Basis Risk Shortfall Carry- Forward Amount for such Class remaining unpaid from the preceding Distribution Date, plus (c) one month's interest on the amount in clause (b) (based on the number of days in the preceding Interest Accrual Period), to the extent previously unreimbursed by Group I Excess Cash Flow pursuant to Section 4.02(c)(xvii) or Group II Excess Cash Flow pursuant to Section 4.02(d)(xvii), at a rate equal to the related Pass-Through Rate. Class A-II Interest Distribution Amount: With respect to each Class of Class A-II Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class of Class A-II Certificates for such Distribution Date, plus any related Accrued Certificate Interest thereon remaining unpaid from any prior Distribution Date, less any related Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date, allocated among the Class A-II Certificates in the amounts and priority as follows: (i) first, from the Interest Remittance Amount derived from the related Sub- Group; (ii) second, from the Interest Remittance Amount derived from the non-related Sub-Group after taking into account any payments in respect of interest on the other Class of Class A-II Certificates made in clause (i) above; (iii) third, from the Group II Principal Remittance Amount derived from the related Sub-Group; and (iv) fourth, from the Group II Principal Remittance Amount derived from the non-related Sub-Group after taking into account any payments in respect of interest on the other Class of Class A-II Certificates made in clause (iii) above. Class A-II-A Certificate: Any one of the Class A-II-A Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-II Certificates, Class SB-II Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II-A as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Class A-II Basis Risk Shortfall Carry-Forward Amount from the Reserve Fund. 10 Class A-II-B Certificate: Any one of the Class A-II-B1 or Class A-II-B2 Certificates. Class A-II-B1 Certificate: Any one of the Class A-II-B1 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-II Certificates, Class SB-II Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II-B as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Class A-II Basis Risk Shortfall Carry-Forward Amount from the Reserve Fund. Class A-II-B2 Certificate: Any one of the Class A-II-B2 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M-II Certificates, Class SB-II Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II-B as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Class A-II Basis Risk Shortfall Carry-Forward Amount from the Reserve Fund. Class A-II Margin: With respect to the Class A-II-A Certificates, initially 0.270% per annum, and on any Distribution Date on or after the second Distribution Date after the first possible Group II Optional Termination Date, 0.540% per annum. With respect to the Class A-II-B1 Certificates, initially 0.140% per annum, and on any Distribution Date on or after the second Distribution Date after the first possible Group II Optional Termination Date, 0.280% per annum. With respect to the Class A-II-B2 Certificates, initially 0.300% per annum, and on any Distribution Date on or after the second Distribution Date after the first possible Group II Optional Termination Date, 0.600% per annum. Class A-II Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group II Stepdown Date or on or after the Group II Stepdown Date if a Group II Trigger Event is in effect for that Distribution Date, the Group II Principal Distribution Amount for that Distribution Date or (ii) on or after the Group II Stepdown Date if a Group II Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the Group II Principal Distribution Amount for that Distribution Date; and (ii) the excess, if any, of (A) the aggregate Certificate Principal Balance of the Class A-II Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made on that Distribution Date, less the related Overcollateralization Floor. Class A-II-A Principal Distribution Amount: On any Distribution Date, the Class A-II Principal Distribution Amount multiplied by a fraction, the numerator of which is the portion of the Group II Principal Allocation Amount related to the Group II-A Loans for such Distribution Date 11 and the denominator of which is the Group II Principal Allocation Amount for all of the Group II Loans for such Distribution Date. Class A-II-B Principal Distribution Amount: On any Distribution Date, the Class A-II Principal Distribution Amount multiplied by a fraction, the numerator of which is the portion of the Group II Principal Allocation Amount related to the Group II-B Loans for such Distribution Date and the denominator of which is the Group II Principal Allocation Amount for all of the Group II Loans for such Distribution Date. Class M Certificate: Any one of the Class M-I or Class M-II Certificates. Class M-I Certificates: Any one of the Class M-I-1, Class M-I-2, Class M-I-3 or Class M-I-4 Certificates. Class M-I-1 Certificate: Any one of the Class M-I-1 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class M-I-2, Class M-I-3, Class M-I-4, Class SB-I and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Group I Net WAC Cap Shortfall Carry-Forward Amount from the Reserve Fund. Class M-I-1 Interest Distribution Amount: With respect to the Class M-I-1 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-I-1 Certificates. Class M-I-1 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group I Stepdown Date or on or after the Group I Stepdown Date if a Group I Trigger Event is in effect for that Distribution Date, the remaining Group I Principal Distribution Amount for that Distribution Date after distribution of the Class A-I Principal Distribution Amount or (ii) on or after the Group I Stepdown Date if a Group I Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group I Principal Distribution Amount for that Distribution Date after distribution of the Class A-I Principal Distribution Amount; and (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-I Certificates (after taking into account the payment of the Class A-I Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-I-1 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the 12 Group I Loans after giving effect to distributions to be made on that Distribution Date, less the related Overcollateralization Floor. Class M-I-2 Certificate: Any one of the Class M-I-2 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class M-I-3, Class M-I-4, Class SB-I and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Group I Net WAC Cap Shortfall Carry- Forward Amount from the Reserve Fund. Class M-I-2 Interest Distribution Amount: With respect to the Class M-I-2 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-I-2 Certificates. Class M-I-2 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group I Stepdown Date or on or after the Group I Stepdown Date if a Group I Trigger Event is in effect for that Distribution Date, the remaining Group I Principal Distribution Amount for that Distribution Date after distribution of the Class A-I Principal Distribution Amount and the Class M- I-1 Principal Distribution Amount or (ii) on or after the Group I Stepdown Date if a Group I Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group I Principal Distribution Amount for that Distribution Date after distribution of the Class A-I Principal Distribution Amount and the Class M-I-1 Principal Distribution Amount; and (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-I Certificates and Class M-I-1 Certificates (after taking into account the payment of the Class A-I Principal Distribution Amount and the Class M-I-1 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-I-2 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date, less the related Overcollateralization Floor. Class M-I-3 Certificate: Any one of the Class M-I-3 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class M-I-4, Class SB-I and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC 13 Provisions and (ii) the right to receive the Group I Net WAC Cap Shortfall Carry-Forward Amount from the Reserve Fund. Class M-I-3 Interest Distribution Amount: With respect to the Class M-I-3 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-I-3 Certificates. Class M-I-3 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group I Stepdown Date or on or after the Group I Stepdown Date if a Group I Trigger Event is in effect for that Distribution Date, the remaining Group I Principal Distribution Amount for that Distribution Date after distribution of the Class A-I Principal Distribution Amount, the Class M-I-1 Principal Distribution Amount and the Class M-I-2 Principal Distribution Amount or (ii) on or after the Group I Stepdown Date if a Group I Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group I Principal Distribution Amount for that Distribution Date after distribution of the Class A-I Principal Distribution Amount, the Class M-I-1 Principal Distribution Amount and the Class M-I-2 Principal Distribution Amount; and (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-I Certificates, Class M-I-1 Certificates and Class M-I-2 Certificates (after taking into account the payment of the Class A-I Principal Distribution Amount, the Class M-I-1 Principal Distribution Amount and the Class M-I-2 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M- I-3 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date, less the related Overcollateralization Floor. Class M-I-4 Certificate: Any one of the Class M-I-4 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class SB-I Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing (i) an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions and (ii) the right to receive the Group I Net WAC Cap Shortfall Carry-Forward Amount from the Reserve Fund. Class M-I-4 Interest Distribution Amount: With respect to the Class M-I-4 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such 14 Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-I-4 Certificates. Class M-I-4 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group I Stepdown Date or on or after the Group I Stepdown Date if a Group I Trigger Event is in effect for that Distribution Date, the remaining Group I Principal Distribution Amount for that Distribution Date after distribution of the Class A-I Principal Distribution Amount, the Class M-I-1 Principal Distribution Amount, the Class M-I-2 Principal Distribution Amount and the Class M-I-3 Principal Distribution Amount or (ii) on or after the Group I Stepdown Date if a Group I Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group I Principal Distribution Amount for that Distribution Date after distribution of the Class A-I Principal Distribution Amount, the Class M-I-1 Principal Distribution Amount, the Class M-I-2 Principal Distribution Amount and the Class M-I-3 Principal Distribution Amount; and (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-I Certificates, Class M-I-1 Certificates, Class M-I-2 Certificates and Class M-I-3 Certificates (after taking into account the payment of the Class A-I Principal Distribution Amount, the Class M-I-1 Principal Distribution Amount, the Class M-I-2 Principal Distribution Amount and the Class M-I-3 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-I-4 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date, less the related Overcollateralization Floor. Class M-II Certificates: Any one of the Class M-II-1, Class M-II-2, Class M-II-3, Class M-II- 4 or Class M-II-5 Certificates. Class M-II-1 Certificate: Any one of the Class M-II-1 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class M-II-2, Class M-II-3, Class M-II-4, Class M-II-5, Class SB-II and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Class M-II-1 Interest Distribution Amount: With respect to the Class M-II-1 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-II-1 Certificates. 15 Class M-II-1 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group II Stepdown Date or on or after the Group II Stepdown Date if a Group II Trigger Event is in effect for that Distribution Date, the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount or (ii) on or after the Group II Stepdown Date if a Group II Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount; and (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-II Certificates (after taking into account the payment of the Class A-II Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-II-1 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made that Distribution Date, less the related Overcollateralization Floor. Class M-II-2 Certificate: Any one of the Class M-II-2 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class M-II-3, Class M-II-4, Class M-II-5, Class SB-II and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Class M-II-2 Interest Distribution Amount: With respect to the Class M-II-2 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-II-2 Certificates. Class M-II-2 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group II Stepdown Date or on or after the Group II Stepdown Date if a Group II Trigger Event is in effect for that Distribution Date, the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount and the Class M-II-1 Principal Distribution Amount or (ii) on or after the Group II Stepdown Date if a Group II Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount and the Class M-II-1 Principal Distribution Amount; and 16 (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-II Certificates and Class M-II-1 Certificates (after taking into account the payment of the Class A-II Principal Distribution Amount and the Class M-II-1 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-II-2 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made that Distribution Date, less the related Overcollateralization Floor. Class M-II-3 Certificate: Any one of the Class M-II-3 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class M-II-4, Class M-II-5, Class SB-II and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Class M-II-3 Interest Distribution Amount: With respect to the Class M-II-3 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-II-3 Certificates. Class M-II-3 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group II Stepdown Date or on or after the Group II Stepdown Date if a Group II Trigger Event is in effect for that Distribution Date, the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount and the Class M-II-2 Principal Distribution Amount or (ii) on or after the Group II Stepdown Date if a Group II Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount and the Class M-II-2 Principal Distribution Amount; and (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-II Certificates, Class M-II-1 Certificates and Class M-II-2 Certificates (after taking into account the payment of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount and the Class M-II-2 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M- II-3 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group II Loans after 17 giving effect to distributions to be made that Distribution Date, less the related Overcollateralization Floor. Class M-II-4 Certificate: Any one of the Class M-II-4 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class M-II-5, Class SB-II and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Class M-II-4 Interest Distribution Amount: With respect to the Class M-II-4 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-II-4 Certificates. Class M-II-4 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group II Stepdown Date or on or after the Group II Stepdown Date if a Group II Trigger Event is in effect for that Distribution Date, the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount, the Class M-II-2 Principal Distribution Amount and the Class M-II-3 Principal Distribution Amount or (ii) on or after the Group II Stepdown Date if a Group II Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount, the Class M-II-2 Principal Distribution Amount and the Class M-II-3 Principal Distribution Amount; and (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-II Certificates, Class M-II-1 Certificates, Class M-II-2 Certificates and Class M-II-3 Certificates (after taking into account the payment of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount, the Class M-II-2 Principal Distribution Amount and the Class M-II-3 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-II-4 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made that Distribution Date, less the related Overcollateralization Floor. Class M-II-5 Certificate: Any one of the Class M-II-5 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B, senior to the Class SB-II Certificates and Class R-IV Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II as set forth in Section 4.05, and 18 evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Class M-II-5 Interest Distribution Amount: With respect to the Class M-II-5 Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the holders of such Class for such Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls for such Distribution Date not covered by Eligible Master Servicing Compensation and any Relief Act Shortfalls for such Distribution Date allocated as described herein to the Class M-II-5 Certificates. Class M-II-5 Principal Distribution Amount: With respect to any Distribution Date (i) prior to the Group II Stepdown Date or on or after the Group II Stepdown Date if a Group II Trigger Event is in effect for that Distribution Date, the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount, the Class M-II-2 Principal Distribution Amount, the Class M-II-3 Principal Distribution Amount and the Class M-II-4 Principal Distribution Amount or (ii) on or after the Group II Stepdown Date if a Group II Trigger Event is not in effect for that Distribution Date, the lesser of: (i) the remaining Group II Principal Distribution Amount for that Distribution Date after distribution of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount, the Class M-II-2 Principal Distribution Amount, the Class M-II-3 Principal Distribution Amount and the Class M-II-4 Principal Distribution Amount; and (ii) the excess, if any, of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A-II Certificates, Class M-II-1 Certificates, Class M-II-2 Certificates, Class M-II-3 Certificates and Class M-II-4 Certificates (after taking into account the payment of the Class A-II Principal Distribution Amount, the Class M-II-1 Principal Distribution Amount, the Class M-II-2 Principal Distribution Amount, the Class M-II-3 Principal Distribution Amount and the Class M-II-4 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-II-5 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the applicable Subordination Percentage and (2) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made that Distribution Date, less the related Overcollateralization Floor. Class M-II Basis Risk Shortfall: With respect to the Class M-II-1, Class M-II-2, Class M-II-3, Class M-II-4 and Class M-II-5 Certificates and any Distribution Date for which the Pass-Through Rate for any such Class of Certificates is equal to the Group II Net WAC Cap Rate, the excess, if any, of (x) Accrued Certificate Interest on that Class of Certificates on such Distribution Date, using the lesser of (a) LIBOR plus the related Class M-II Margin, as calculated for such Distribution Date, and (b) the Maximum Group II Rate, over (y) Accrued Certificate Interest on such Class of Class M- II Certificates for such Distribution Date calculated at the Group II Net WAC Cap Rate. 19 Class M-II Basis Risk Shortfall Carry-Forward Amount: With respect to the Class M-II-1, Class M-II-2, Class M-II-3, Class M-II-4 and Class M-II-5 Certificates and any Distribution Date, the sum of (a) the aggregate amount of Class M-II Basis Risk Shortfall for each such Class on such Distribution Date plus (b) any Class M-II Basis Risk Shortfall Carry-Forward Amount for such Classes remaining unpaid from the preceding Distribution Date, plus (c) one month's interest on the amount in clause (b) (based on the number of days in the preceding Interest Accrual Period), to the extent previously unreimbursed by Group I Excess Cash Flow pursuant to Section 4.02(c)(xvii) or Group II Excess Cash Flow pursuant to Section 4.02(d)(xvii), at a rate equal to the related Pass- Through Rate. Class M-II Margin: With respect to the Class M-II-1 Certificates, initially 0.620% per annum, and on any Distribution Date on or after the second Distribution Date after the first possible Group II Optional Termination Date, 0.930% per annum. With respect to the Class M-II-2 Certificates, initially 1.300% per annum, and on any Distribution Date on or after the second Distribution Date after the first possible Group II Optional Termination Date, 1.950% per annum. With respect to the Class M-II-3 Certificates, initially 1.450% per annum, and on any Distribution Date on or after the second Distribution Date after the first possible Group II Optional Termination Date, 2.175% per annum. With respect to the Class M-II-4 Certificates, initially 1.900% per annum, and on any Distribution Date on or after the second Distribution Date after the first possible Group II Optional Termination Date, 2.850% per annum. With respect to the Class M-II-5 Certificates, initially 2.150% per annum, and on any Distribution Date on or after the second Distribution Date after the first possible Group II Optional Termination Date, 3.225% per annum. Class R Certificate: Any one of the Class R-I, Class R-II, Class R-III or Class R-IV Certificates. Class R-I Certificate: Any one of the Class R-I Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC I for purposes of the REMIC Provisions. Class R-II Certificate: Any one of the Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC II for purposes of the REMIC Provisions. Class R-III Certificate: Any one of the Class R-III Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC III for purposes of the REMIC Provisions. Class R-IV Certificate: Any one of the Class R-IV Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC IV for purposes of the REMIC Provisions. 20 Class SB Certificates: Any one of the Class SB-I and Class SB-II Certificates. Class SB-I Certificate: Any one of the Class SB-I Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit C, subordinate to the Class A-I Certificates and Class M-I Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group I as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Class SB-II Certificate: Any one of the Class SB-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit C, subordinate to the Class A-II Certificates and Class M-II Certificates with respect to distributions and the allocation of Realized Losses in respect of Loan Group II as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC IV for purposes of the REMIC Provisions. Closing Date: June 29, 2004. Code: The Internal Revenue Code of 1986. Commission: The Securities and Exchange Commission. Corporate Trust Office: The principal office of the Trustee at which at any particular time its corporate trust business with respect to this Agreement shall be administered, which office at the date of the execution of this instrument is located at 4 New York Plaza, 6th Floor, New York, New York 10004, Attention: Institutional Trust Services/Global Debt, RAMP, Series 2004-RS6. Corresponding Class: With respect to each REMIC III Regular Interest other than REMIC III Regular Interests I-AA, I-ZZ, II-AA and II-ZZ, the Certificate with the corresponding designation. Credit Repository: Equifax, Transunion and Experian, or their successors in interest. Curtailment: Any Principal Prepayment made by a Mortgagor which is not a Principal Prepayment in Full. Custodial Account: The custodial account or accounts created and maintained pursuant to Section 3.07 in the name of a depository institution, as custodian for the holders of the Certificates, for the holders of certain other interests in mortgage loans serviced or sold by the Master Servicer and for the Master Servicer, into which the amounts set forth in Section 3.07 shall be deposited directly. Any such account or accounts shall be an Eligible Account. Custodial Agreement: An agreement that may be entered into among the Depositor, the Master Servicer, the Trustee and a Custodian in substantially the form of Exhibit E hereto. Custodian: A custodian appointed pursuant to a Custodial Agreement. --------- 21 Cut-off Date: June 1, 2004. Cut-off Date Principal Balance: As to any Mortgage Loan, the unpaid principal balance thereof at the Cut-off Date after giving effect to all installments of principal due on or prior thereto (or due during the month of June 2004), whether or not received. 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 constituting a Deficient Valuation or any reduction that results in a permanent forgiveness of principal. Deficient Valuation: With respect to any Mortgage Loan, a valuation by a court of competent jurisdiction of the Mortgaged Property in an amount less than the then outstanding indebtedness under the Mortgage Loan, or any reduction in the amount of principal to be paid in connection with any scheduled Monthly Payment that constitutes a permanent forgiveness of principal, which valuation or reduction results from a proceeding under the Bankruptcy Code. Definitive Certificate: Any definitive, fully registered Certificate. Deleted Mortgage Loan: A Mortgage Loan replaced or to be replaced with a Qualified Substitute Mortgage Loan. Delinquent: As used herein, a Mortgage Loan is considered to be: "30 to 59 days" or "30 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the next following monthly scheduled due date; "60 to 89 days" or "60 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the second following monthly scheduled due date; and so on. The determination as to whether a Mortgage Loan falls into these categories is made as of the close of business on the last business day of each month. For example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of the close of business on August 31 would then be considered to be 30 to 59 days delinquent. Delinquency information as of the Cut-off Date is determined and prepared as of the close of business on the last business day immediately prior to the Cut-off Date. 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(5) 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 Exchange Act. 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. Derivative Contract: Any ISDA Master Agreement, together with the related Schedule and Confirmation, entered into by the Trustee and a Derivative Counterparty in accordance with Section 4.11. 22 Derivative Counterparty: Any counterparty to a Derivative Contract as provided in Section 4.11. Destroyed Mortgage Note: A Mortgage Note the original of which was permanently lost or destroyed and has not been replaced. Determination Date: With respect to any Distribution Date, the 20th day (or if such 20th day is not a Business Day, the Business Day immediately following such 20th day) of the month of the related Distribution Date. Disqualified Organization: Any organization defined as a "disqualified organization" under Section 860E(e)(5) of the Code, which includes 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) a 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) and (iv) rural electric and telephone cooperatives described in Section 1381(a)(2)(C) of the Code. A Disqualified Organization also includes any "electing large partnership," as defined in Section 775(a) of the Code and any other Person so designated by the Trustee based upon an Opinion of Counsel that the holding of an Ownership Interest in a Class R 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 Class R 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 Date: The 25th day of any month beginning in the month immediately following the month of the initial issuance of the Certificates or, if such 25th day is not a Business Day, the Business Day immediately following such 25th day. Due Date: With respect to any Distribution Date and any Mortgage Loan, the day during the related Due Period on which the Monthly Payment is due. Due Period: With respect to any Distribution Date, the calendar month of such Distribution Date. Eligible Account: An account that is any of the following: (i) maintained with a depository institution the debt obligations of which have been rated by each Rating Agency in its highest rating available, or (ii) an account or accounts in a depository institution in which such accounts are fully insured to the limits established by the FDIC, provided that any deposits not so insured shall, to the extent acceptable to each Rating Agency, as evidenced in writing, be maintained such that (as evidenced by an Opinion of Counsel delivered to the Trustee and each Rating Agency) the registered Holders of Certificates have a claim with respect to the funds in such account or a perfected first 23 security interest against any collateral (which shall be limited to Permitted Investments) securing such funds that is superior to claims of any other depositors or creditors of the depository institution with which such account is maintained, or (iii) in the case of the Custodial Account, either (A) a trust account or accounts maintained in the corporate trust department of JPMorgan Chase Bank, or (B) an account or accounts maintained in the corporate asset services department of Bank One, National Association as long as its short term debt obligations are rated P-1 (or the equivalent) or better by each Rating Agency, and its long term debt obligations are rated A2 (or the equivalent) or better, by each Rating Agency, or (iv) in the case of the Certificate Account and the Reserve Fund, a trust account or accounts maintained in the corporate trust division of JPMorgan Chase Bank, or (v) an account or accounts of a depository institution acceptable to each Rating Agency (as evidenced in writing by each Rating Agency that use of any such account as the Custodial Account or the Certificate Account will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency). Eligible Master Servicing Compensation: With respect to any Distribution Date, an amount equal to Prepayment Interest Shortfalls resulting from Principal Prepayments in Full or Curtailments during the related Prepayment Period, but not more than the lesser of (a) one-twelfth of 0.125% of the Stated Principal Balance of the Mortgage Loans immediately preceding such Distribution Date and (b) the sum of the Servicing Fee, all income and gain on amounts held in the Custodial Account and the Certificate Account and amounts payable to the Certificateholders with respect to such Distribution Date and servicing compensation to which the Master Servicer may be entitled pursuant to Section 3.10(a)(v) and (vi), in each case with respect to the related Loan Group; provided that for purposes of this definition the amount of the Servicing Fee will not be reduced pursuant to Section 7.02 except as may be required pursuant to the last sentence of Section 7.02(a). ERISA: The Employee Retirement Income Security Act of 1974, as amended. Event of Default: As defined in Section 7.01. Exchange Act: The Securities Exchange Act of 1934, as amended. Fannie Mae: Fannie Mae, a federally chartered and privately owned corporation organized and existing under the Federal National Mortgage Association Charter Act, or any successor thereto. FASIT: A "financial asset securitization investment trust" within the meaning of Section 860L of the Code. FDIC: The Federal Deposit Insurance Corporation or any successor thereto. FHA: The Federal Housing Administration, or its successor. Final Certification: As defined in Section 2.02. 24 Final Distribution Date: The Distribution Date on which the final distribution in respect of the Certificates will be made pursuant to Section 9.01, which Final Distribution Date shall in no event be later than the end of the 90-day liquidation period described in Section 9.02. Final Scheduled Distribution Date: Solely for purposes of the face of the Certificates, as follows: with respect to the Class A-I-1 Certificates, August 25, 2022; with respect to the Class A-I-2 Certificates, August 25, 2025; with respect to the Class A-I-3 Certificates, August 25, 2028; with respect to the Class A-I-4 Certificates, May 25, 2032; with respect to the Class A-I-5 Certificates, June 25, 2034; with respect to the Class A-I-6 Certificates, June 25, 2034; with respect to the Class A-II-A Certificates, June 25, 2034; with respect to the Class A-II-B1 Certificates, September 25, 2025; with respect to the Class A-II-B2 Certificates, June 25, 2034; with respect to the Class M-I-1 Certificates, June 25, 2034; with respect to the Class M-I-2 Certificates, June 25, 2034; with respect to the Class M-I-3 Certificates, June 25, 2034; with respect to the Class M-I-4 Certificates, June 25, 2034; with respect to the Class M-II-1 Certificates, June 25, 2034; with respect to the Class M-II-2 Certificates, June 25, 2034; with respect to the Class M-II-3 Certificates, June 25, 2034; with respect to the Class M-II-4 Certificates, June 25, 2034; with respect to the Class M-II-5 Certificates, June 25, 2034; with respect to the Class SB-I Certificates, June 25, 2034; and with respect to the Class SB-II Certificates, June 25, 2034. No event of default under this Agreement will arise or become applicable solely by reason of the failure to retire the entire Certificate Principal Balance of any Class of Class A Certificates or Class M Certificates on or before its Final Scheduled Distribution Date. Fitch: Fitch, Inc. Foreclosure Profits: As to any Distribution Date or related Determination Date and any Mortgage Loan, the excess, if any, of Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of all amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of each Mortgage Loan or REO Property for which a Cash Liquidation or REO Disposition occurred in the related Prepayment Period over the sum of the unpaid principal balance of such Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in accordance with Section 3.14) plus accrued and unpaid interest at the Mortgage Rate on such unpaid principal balance from the Due Date to which interest was last paid by the Mortgagor to the first day of the month following the month in which such Cash Liquidation or REO Disposition occurred. Freddie Mac: The Federal Home Loan Mortgage Corporation, a corporate instrumentality of the United States created and existing under Title III of the Emergency Home Finance Act of 1970, as amended, or any successor thereto. Gross Margin: As to each adjustable rate Mortgage Loan, the fixed percentage set forth in the related Mortgage Note and indicated in Exhibit F-2 hereto as the "NOTE MARGIN," which percentage is added to the related Index on each Adjustment Date to determine (subject to rounding in accordance with the related Mortgage Note, the Periodic Cap, the Maximum Mortgage Rate and the Minimum Mortgage Rate) the interest rate to be borne by such Mortgage Loan until the next Adjustment Date. Group I Available Distribution Amount: As to any Distribution Date, an amount equal to (a) the sum of (i) the amount relating to the Group I Loans on deposit in the Custodial Account as of the 25 close of business on the immediately preceding Determination Date, including any Subsequent Recoveries, and amounts deposited in the Custodial Account in connection with the substitution of Qualified Substitute Mortgage Loans that are Group I Loans, (ii) the amount of any Advance made on the immediately preceding Certificate Account Deposit Date with respect to the Group I Loans, (iii) any amount deposited in the Certificate Account on the related Certificate Account Deposit Date pursuant to Section 3.12(a) in respect of the Group I Loans, (iv) any amount that the Master Servicer is not permitted to withdraw from the Custodial Account pursuant to Section 3.16(e) in respect of the Group I Loans and (v) any amount deposited in the Certificate Account pursuant to Section 4.07, 4.08 or 9.01 in respect of the Group I Loans, reduced by (b) the sum as of the close of business on the immediately preceding Determination Date of (w) any payments or collections consisting of prepayment charges on the Group I Loans that were received during the related Prepayment Period, (x) the Amount Held for Future Distribution with respect to the Group I Loans and (y) amounts permitted to be withdrawn by the Master Servicer from the Custodial Account in respect of the Group I Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Group II Available Distribution Amount: As to any Distribution Date, an amount equal to (a) the sum of (i) the amount relating to the Group II Loans on deposit in the Custodial Account as of the close of business on the immediately preceding Determination Date, including any Subsequent Recoveries, and amounts deposited in the Custodial Account in connection with the substitution of Qualified Substitute Mortgage Loans that are Group II Loans, (ii) the amount of any Advance made on the immediately preceding Certificate Account Deposit Date with respect to the Group II Loans, (iii) any amount deposited in the Certificate Account on the related Certificate Account Deposit Date pursuant to Section 3.12(a) in respect of the Group II Loans, (iv) any amount that the Master Servicer is not permitted to withdraw from the Custodial Account pursuant to Section 3.16(e) in respect of the Group II Loans and (v) any amount deposited in the Certificate Account pursuant to Section 4.07, 4.08 or 9.01 in respect of the Group II Loans, reduced by (b) the sum as of the close of business on the immediately preceding Determination Date of: (w) any payments or collections consisting of prepayment charges on the Group II Loans that were received during the related Prepayment Period, (x) the Amount Held for Future Distribution with respect to the Group II Loans and (y) amounts permitted to be withdrawn by the Master Servicer from the Custodial Account in respect of the Group II Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Group I Cut-off Date Balance: $300,000,610.71. Group II Cut-off Date Balance: $700,001,752.18. ----------------------------- Group I Diverted Excess Spread: Any amount otherwise payable as Accrued Certificate Interest on the Class SB-I Certificate that, pursuant to Section 4.02(c), is used to increase the Group II Overcollateralization Amount or is used to offset Realized Losses on any Group II Loans. Any reduction in the Group II Overcollateralization Amount shall first reduce the Group I Diverted Excess Spread until it is reduced to zero. In the event of a distribution in respect of a Group II Overcollateralization Reduction Amount to the Class SB-I Certificates, such reduction shall be deemed to be applied to reduce any Group I Diverted Excess Spread. No interest will accrue on the Group I Diverted Excess Spread. 26 Group II Diverted Excess Spread: Any amount otherwise payable as Accrued Certificate Interest on the Class SB-II Certificate that, pursuant to Section 4.02(d), is used to increase the Group I Overcollateralization Amount or is used to offset Realized Losses on any Group I Loans. Any reduction in the Group I Overcollateralization Amount shall first reduce the Group II Diverted Excess Spread until it is reduced to zero. In the event of a distribution in respect of a Group I Overcollateralization Reduction Amount to the Class SB-II Certificates such reduction shall be deemed to be applied to reduce any the Group II Diverted Excess Spread. No interest will accrue on the Group II Diverted Excess Spread. Group I Excess Cash Flow: With respect to the Group I Loans and any Distribution Date, an amount equal to the sum of (A) the excess of (i) the Group I Available Distribution Amount for that Distribution Date over (ii) the sum of (a) the Group I Interest Distribution Amount for that Distribution Date and (b) the Group I Principal Remittance Amount for that Distribution Date and (B) the Group I Overcollateralization Reduction Amount, if any, for that Distribution Date. Group II Excess Cash Flow: With respect to the Group II Loans and any Distribution Date, an amount equal to the sum of (A) the excess of (i) the Group II Available Distribution Amount for that Distribution Date over (ii) the sum of (a) the Group II Interest Distribution Amount for that Distribution Date and (b) the Group II Principal Remittance Amount for that Distribution Date and (B) the Group II Overcollateralization Reduction Amount, if any, for that Distribution Date. Group I Excess Overcollateralization Amount: With respect to any Distribution Date, the excess, if any, of (a) the Group I Overcollateralization Amount on such Distribution Date over (b) the Group I Required Overcollateralization Amount. Group II Excess Overcollateralization Amount: With respect to any Distribution Date, the excess, if any, of (a) the Group II Overcollateralization Amount on such Distribution Date over (b) the Group II Required Overcollateralization Amount. Group I Interest Distribution Amount: The sum of the Class A-I, Class M-I-1, Class M-I-2, Class M-I-3 and Class M-I-4 Interest Distribution Amounts. Group II Interest Distribution Amount: The sum of the Class A-II, Class M-II-1, Class M-II- 2, Class M-II-3, Class M-II-4 and Class M-II-5 Interest Distribution Amounts. Group I Loan: The Mortgage Loans designated on the Mortgage Loan Schedule attached hereto as Exhibit F-1. Group II Loan: The Mortgage Loans designated on the Mortgage Loan Schedule attached hereto as Exhibit F-2 and Exhibit F-3, consisting of two sub-groups of mortgage loans referred to as the Group II-A Loans and the Group II-B Loans. Group II-A Loan: The Mortgage Loans designated as Group II-A Loans on the Mortgage Loan Schedule attached hereto as Exhibit F-2. 27 Group II-B Loan: The Mortgage Loans designated as Group II-B Loans on the Mortgage Loan Schedule attached hereto as Exhibit F-3. Group II Basis Risk Shortfall: Any Class M-II Basis Risk Shortfall or Group II Basis Risk Shortfall, as applicable. Group I Marker Rate: With respect to the Class SB-I Certificates and any Distribution Date, a per annum rate equal to two (2) multiplied by the weighted average of the Pass-Through Rates for each REMIC III Group I Regular Interest (other than REMIC III Regular Interest I-AA), with the rates on each such REMIC III Regular Interest (other than REMIC III Regular Interest I-ZZ) subject to a cap equal to the Pass-Through Rate for the Corresponding Class for such REMIC III Regular Interest, and the rate on REMIC III Regular Interest I-ZZ subject to a cap of zero, in each case for purposes of this calculation. Group II Marker Rate: With respect to the Class SB-II Certificates and any Distribution Date, a per annum rate equal to two (2) multiplied by the weighted average of the Pass-Through Rates for each REMIC III Group II Regular Interest (other than REMIC III Regular Interest II-AA), with the rates on each such REMIC III Regular Interest (other than REMIC III Regular Interest II-ZZ) subject to a cap equal to the Pass-Through Rate for the Corresponding Class for such REMIC III Regular Interest, and the rate on REMIC III Regular Interest II-ZZ subject to a cap of zero, in each case for purposes of this calculation. Group I Net WAC Cap Rate: With respect to any Distribution Date, a per annum rate equal to the weighted average of the Net Mortgage Rates (or, if applicable, the Modified Net Mortgage Rates) on the Group I Loans using the Net Mortgage Rates in effect for the Monthly Payments due on such Mortgage Loans during the related Due Period, weighted on the basis of the respective Stated Principal Balances thereof for such Distribution Date, and in the case of the Class A-I-1 Certificates, multiplied by a fraction equal to 30 divided by the actual number of days in the related Interest Accrual Period. Group II Net WAC Cap Rate: With respect to any Distribution Date, the product of (i) a per annum rate equal to the weighted average of the Net Mortgage Rates (or, if applicable, the Modified Net Mortgage Rates) on the Group II Loans using the Net Mortgage Rates in effect for the Monthly Payments due on such Mortgage Loans during the related Due Period, weighted on the basis of the respective Stated Principal Balances thereof for such Distribution Date and (ii) a fraction equal to 30 divided by the actual number of days in the related Interest Accrual Period. Group I Net WAC Cap Shortfall: With respect to the Class A-I-1, Class A-I-4, Class A-I-5, Class A-I-6, Class M-I-1, Class M-I-2, Class M-I-3 or Class M-I-4 Certificates and any Distribution Date for which the Pass-Through Rate for such Certificates is equal to the Group I Net WAC Cap Rate, the excess, if any, of (x) Accrued Certificate Interest on that Class of Certificates calculated at a rate equal to the rate determined in clause (i) of the definition of Pass-Through Rate for such Class of Class A-I Certificates or Class M-I Certificates over (y) Accrued Certificate Interest on such Class of Class A-I Certificates or Class M-I Certificates for such Distribution Date calculated at the Group I Net WAC Cap Rate. 28 Group I Net WAC Cap Shortfall Carry-Forward Amount: With respect to the Class A-I-1, Class A-I-4, Class A-I-5, Class A-I-6, Class M-I-1, Class M-I-2, Class M-I-3 and Class M-I-4 Certificates and each Distribution Date, the sum of (a) the aggregate amount of Group I Net WAC Cap Shortfall for such Class on such Distribution Date plus (b) any Group I Net WAC Cap Shortfall Carry-Forward Amount for such Class remaining unpaid from the preceding Distribution Date, plus (c) one month's interest on the amount in clause (b) (based on the number of days in the preceding Interest Accrual Period), to the extent previously unreimbursed by Group I Excess Cash Flow pursuant to Section 4.02(c)(xvi) or Group II Excess Cash Flow pursuant to Section 4.02(d)(xviii), at a rate equal to the related Pass-Through Rate. Group I Optional Termination Date: Any Distribution Date on or after which the Stated Principal Balance (before giving effect to distributions to be made on such Distribution Date) of the Group I Loans is less than 10.00% of the Group I Cut-off Date Balance. Group II Optional Termination Date: Any Distribution Date on or after which the Stated Principal Balance (before giving effect to distributions to be made on such Distribution Date) of the Group II Loans is less than 10.00% of the Group II Cut-off Date Balance. Group I Overcollateralization Amount: With respect to any Distribution Date, the excess, if any, of (a) the aggregate Stated Principal Balance of the Group I Loans before giving effect to distributions of principal to be made on such Distribution Date over (b) the aggregate Certificate Principal Balance of the Class A-I Certificates and Class M-I Certificates as of such date, before taking into account distributions of principal to be made on that Distribution Date. Group II Overcollateralization Amount: With respect to any Distribution Date, the excess, if any, of (a) the aggregate Stated Principal Balance of the Group II Loans before giving effect to distributions of principal to be made on such Distribution Date over (b) the Certificate Principal Balance of the Class A-II Certificates and Class M-II Certificates as of such date, before taking into account distributions of principal to be made on that Distribution Date. Group I Overcollateralization Increase Amount: With respect to any Distribution Date, an amount equal to the lesser of (i) the Group I Excess Cash Flow for that Distribution Date available to make payments pursuant to Section 4.02(c)(x) plus the Group II Excess Cash Flow for such Distribution Date available to make payments pursuant to Section 4.02(d)(x) and (xii), and (ii) the excess, if any, of (x) the Group I Required Overcollateralization Amount for that Distribution Date over (y) the Group I Overcollateralization Amount for that Distribution Date. Group II Overcollateralization Increase Amount: With respect to any Distribution Date, an amount equal to the lesser of (i) the Group II Excess Cash Flow for that Distribution Date available to make payments pursuant to Section 4.02(d)(xi) plus the Group I Excess Cash Flow for such Distribution Date available to make payments pursuant to Section 4.02(c)(ix) and (xi), and (ii) the excess, if any, of (x) the Group II Required Overcollateralization Amount for that Distribution Date over (y) the Group II Overcollateralization Amount for that Distribution Date. Group I Overcollateralization Reduction Amount: With respect to any Distribution Date for which the Group I Excess Overcollateralization Amount is, or would be, after taking into account 29 all other distributions to be made on that Distribution Date, greater than zero, an amount equal to the lesser of (i) the Group I Excess Overcollateralization Amount for that Distribution Date and (ii) the Group I Principal Remittance Amount for that Distribution Date. Group II Overcollateralization Reduction Amount: With respect to any Distribution Date for which the Group II Excess Overcollateralization Amount is, or would be, after taking into account all other distributions to be made on that Distribution Date, greater than zero, an amount equal to the lesser of (i) the Group II Excess Overcollateralization Amount for that Distribution Date and (ii) the Group II Principal Remittance Amount for that Distribution Date. Group I Pool Stated Principal Balance: As to any date of determination, the aggregate of the Stated Principal Balances of each Group I Loan that was an Outstanding Mortgage Loan on the Due Date immediately preceding the Due Period preceding such date of determination. Group II Pool Stated Principal Balance: As to any date of determination, the aggregate of the Stated Principal Balances of each Group II Loan that was an Outstanding Mortgage Loan on the Due Date immediately preceding the Due Period preceding such date of determination. Group I Principal Distribution Amount: With respect to any Distribution Date, the lesser of (a) the sum of (i) the excess of (x) the Group I Available Distribution Amount over (y) the Group I Interest Distribution Amount and (ii) any Group II Excess Cash Flow used to pay principal on the Group I Certificates pursuant to Section 4.02(d)(ix), (x) and (xii) and (b) the sum of: (i) the principal portion of each Monthly Payment received or Advanced with respect to the related Due Period on each Outstanding Mortgage Loan that is a Group I Loan; (ii) the Stated Principal Balance of any Group I Loan repurchased during the related Prepayment Period (or deemed to have been so repurchased in accordance with Section 3.07(b)) pursuant to Section 2.02, 2.03, 2.04, 4.07 or 4.08 and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan that is a Group I Loan pursuant to Section 2.03 or 2.04 during the related Prepayment Period; (iii) the principal portion of all other unscheduled collections, other than Subsequent Recoveries, on the Group I Loans (including, without limitation, Principal Prepayments in Full, Curtailments, Insurance Proceeds, Liquidation Proceeds and REO Proceeds) received during the related Prepayment Period to the extent applied by the Master Servicer as recoveries of principal of the Group I Loans pursuant to Section 3.14; (iv) the principal portion of any Realized Losses incurred (or deemed to have been incurred) on any Group I Loans in the calendar month preceding such Distribution Date to the extent covered by Group I Excess Cash Flow or Group II Excess Cash Flow for such Distribution Date; and (v) the amount of any Group I Overcollateralization Increase Amount for such Distribution Date to the extent covered by Group I Excess Cash Flow or Group II Excess Cash Flow; minus 30 (vi) the amount of any related Group I Overcollateralization Reduction Amount for such Distribution Date; and (vii) the amount of any Capitalization Reimbursement Amount for such Distribution Date relating to the Group I Loans. Group II Principal Allocation Amount: With respect to any distribution date, the sum of (a) the Group II Principal Remittance Amount for such Distribution Date on the Group II Loans and (b) the aggregate amount of Realized Losses on the Group II Loans in the calendar month preceding such Distribution Date, to the extent covered by Excess Cash Flow for such Distribution Date; provided, that on any Distribution Date on which there is insufficient Excess Cash Flow to cover all Realized Losses on the Group II Loans, in determining the Class A-II-A Principal Distribution Amount and Class A-II-B Principal Distribution Amount, the available Excess Cash Flow will be allocated to the Class A-II-A Certificates and Class A-II-B Certificates, pro rata, based on the principal portion of Realized Losses on the Group II-A Loans and the Group II-B Loans, respectively. Group II Principal Distribution Amount: With respect to any Distribution Date, the lesser of (a) the sum of (i) the excess of (x) the Group II Available Distribution Amount over (y) the Group II Interest Distribution Amount and (ii) any Group I Excess Cash Flow used to pay principal on the Group II Certificates pursuant to Section 4.02(c)(viii), (ix) and (xi) and (b) the sum of: (i) the principal portion of each Monthly Payment received or Advanced with respect to the related Due Period on each Outstanding Mortgage Loan that is a Group II Loan; (ii) the Stated Principal Balance of any Group II Loan repurchased during the related Prepayment Period (or deemed to have been so repurchased in accordance with Section 3.07(b)) pursuant to Section 2.02, 2.03, 2.04, 4.07 or 4.08 and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan that is a Group II Loan pursuant to Section 2.03 or 2.04 during the related Prepayment Period; (iii) the principal portion of all other unscheduled collections, other than Subsequent Recoveries, on the Group II Loans (including, without limitation, Principal Prepayments in Full, Curtailments, Insurance Proceeds, Liquidation Proceeds and REO Proceeds) received during the related Prepayment Period to the extent applied by the Master Servicer as recoveries of principal of the Group II Loans pursuant to Section 3.14; (iv) the principal portion of any Realized Losses incurred (or deemed to have been incurred) on any Group II Loans in the calendar month preceding such Distribution Date to the extent covered by Group I Excess Cash Flow or Group II Excess Cash Flow for such Distribution Date; and (v) the amount of any Group II Overcollateralization Increase Amount for such Distribution Date to the extent covered by Group I Excess Cash Flow or Group II Excess Cash Flow; minus 31 (vi) the amount of any related Group II Overcollateralization Reduction Amount for such Distribution Date; and (vii) the amount of any Capitalization Reimbursement Amount for such Distribution Date relating to the Group II Loans. Group I Principal Remittance Amount: With respect to any Distribution Date, the sum of the amounts described in clauses (i), (ii) and (iii) of the definition of Group I Principal Distribution Amount for that Distribution Date. Group II Principal Remittance Amount: With respect to any Distribution Date, the sum of the amounts described in clauses (i), (ii) and (iii) of the definition of Group II Principal Distribution Amount for that Distribution Date. Group I Required Overcollateralization Amount: As of any Distribution Date, (a) if such Distribution Date is prior to the Group I Stepdown Date, 2.90% of the Group I Cut-off Date Balance, or (b) if such Distribution Date is on or after the Group I Stepdown Date, the greater of (i) 5.80% of the then current aggregate Stated Principal Balance of the Group I Loans as of the end of the related Due Period and (ii) the related Overcollateralization Floor; provided, however, that if a Group I Trigger Event is in effect, the Group I Required Overcollateralization Amount shall be equal to the Group I Required Overcollateralization Amount for the immediately preceding Distribution Date. The Group I Required Overcollateralization Amount may be reduced from time to time with notification to each of the Rating Agencies and without the consent of the Certificateholders. Group II Required Overcollateralization Amount: As of any Distribution Date, (a) if such Distribution Date is prior to the Group II Stepdown Date, 3.75% of the Group II Cut-off Date Balance, or (b) if such Distribution Date is on or after the Group II Stepdown Date, the greater of (i) 7.50% of the then current aggregate Stated Principal Balance of the Group II Loans as of the end of the related Due Period and (ii) the related Overcollateralization Floor; provided, however, that if a Group II Trigger Event is in effect, the Group II Required Overcollateralization Amount shall be equal to the Group II Required Overcollateralization Amount for the immediately preceding Distribution Date. The Group II Required Overcollateralization Amount may be reduced from time to time with notification to each of the Rating Agencies and without the consent of the Certificateholders. Group I Senior Enhancement Percentage: For any Distribution Date, the percentage obtained by dividing (x) the sum of (i) the aggregate Certificate Principal Balance of the Class M-I-1, Class M-I-2, Class M-I-3 and Class M-I-4 Certificates and (ii) the Group I Overcollateralization Amount, in each case prior to the distribution of the Group I Principal Distribution Amount on such Distribution Date, by (y) the aggregate Stated Principal Balance of the Group I Loans after giving effect to distributions to be made on that Distribution Date. Group II Senior Enhancement Percentage: For any Distribution Date, the percentage obtained by dividing (x) the sum of (i) the aggregate Certificate Principal Balance of the Class M-II-1, Class M-II-2, Class M-II-3, Class M-II-4 and Class M-II-5 Certificates and (ii) the Group II Overcollateralization Amount, in each case prior to the distribution of the Group II Principal 32 Distribution Amount on such Distribution Date, by (y) the aggregate Stated Principal Balance of the Group II Loans after giving effect to distributions to be made on that Distribution Date. Group I Sixty-Plus Delinquency Percentage: With respect to any Distribution Date, the fraction, expressed as a percentage, equal to (x) the aggregate Stated Principal Balance of the Group I Loans that are 60 or more days delinquent in payment of principal and interest for that Distribution Date, including Group I Loans in foreclosure and REO Properties, over (y) the aggregate Stated Principal Balance of all of the Group I Loans immediately preceding that Distribution Date. Group II Sixty-Plus Delinquency Percentage: With respect to any Distribution Date, the fraction, expressed as a percentage, equal to (x) the aggregate Stated Principal Balance of the Group II Loans that are 60 or more days delinquent in payment of principal and interest for that Distribution Date, including Group II Loans in foreclosure and REO Properties, over (y) the aggregate Stated Principal Balance of all of the Group II Loans immediately preceding that Distribution Date. Group I Stepdown Date: The Distribution Date which is the later to occur of (i) the Distribution Date occurring in July 2007 and (ii) the first Distribution Date on which the aggregate Stated Principal Balance of the Group I Loans as of the end of the related Due Period is less than one-half of the Group I Cut-off Date Balance. Group II Stepdown Date: The Distribution Date which is the later to occur of (i) the Distribution Date occurring in July 2007 and (ii) the first Distribution Date on which the aggregate Stated Principal Balance of the Group II Loans as of the end of the related Due Period is less than one-half of the Group II Cut-off Date Balance. Group I Trigger Event: A Group I Trigger Event is in effect with respect to any Distribution Date if either (i) (A) with respect to any Distribution Date (other than the first Distribution Date), the three-month average (or two month-average in the case of the second Distribution Date) of the Group I Sixty-Plus Delinquency Percentage, as determined on that Distribution Date and the immediately preceding two Distribution Dates (or immediately preceding Distribution Date in the case of the second Distribution Date), equals or exceeds 50.00% of the Group I Senior Enhancement Percentage or (B) with respect to the first Distribution Date, the Group I Sixty-Plus Delinquency Percentage, as determined on that Distribution Date, equals or exceeds 50.00% of the Group I Senior Enhancement Percentage or (ii) the aggregate amount of Realized Losses on the Group I Loans as a percentage of the Group I Cut-off Date Balance exceeds the applicable amount set forth below: July 2007 to June 2008.... 1.50% with respect to July 2007, plus an additional 1/12th of 1.00% for each month thereafter. July 2008 to June 2009.... 2.50% with respect to July 2008, plus an additional 1/12th of 0.75% for each month thereafter. July 2009 to June 2010.... 3.25% with respect to July 2009, plus an additional 1/12th of 0.75% for each month thereafter. July 2010 and thereafter.. 4.00%. Group II Trigger Event: A Group II Trigger Event is in effect with respect to any Distribution Date if either (i) (A) with respect to any Distribution Date (other than the first Distribution Date), the three-month average (or two month-average in the case of the second Distribution Date) of the Group II Sixty-Plus Delinquency Percentage, as determined on that Distribution Date and the immediately preceding two Distribution Dates (or immediately preceding Distribution Date in the case of the second Distribution Date), equals or exceeds 40.00% of the Group II Senior Enhancement Percentage or (B) with respect to the first Distribution Date, the Group II Sixty-Plus Delinquency Percentage, as determined on that Distribution Date, equals or exceeds 40.00% of the Group II Senior Enhancement Percentage or (ii) the aggregate amount of Realized Losses on the Group II Loans as a percentage of the Group II Cut-off Date Balance exceeds the applicable amount set forth below: July 2007 to June 2008..... 3.75% with respect to July 2007, plus an additional 1/12th of 2.00% for each month thereafter. July 2008 to June 2009..... 5.75% with respect to July 2008, plus an additional 1/12th of 1.75% for each month thereafter. July 2009 to June 2010..... 7.50% with respect to July 2009, plus an additional 1/12th of 0.75% for each month thereafter. July 2010 and thereafter... 8.25%. Group I Uncertificated Regular Interests: The REMIC I Regular Interest and the REMIC III Group I Regular Interests. Group II Uncertificated Regular Interests: The REMIC II Regular Interest and the REMIC III Group II Regular Interests. Independent: When used with respect to any specified Person, means such a Person who (i) is in fact independent of the Depositor, the Master Servicer and the Trustee, or any Affiliate thereof, (ii) does not have any direct financial interest or any material indirect financial interest in the Depositor, the Master Servicer or the Trustee or in an Affiliate thereof, and (iii) is not connected with the Depositor, the Master Servicer or the Trustee as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. Index: With respect to any adjustable rate Mortgage Loan and as to any Adjustment Date therefor, the related index as stated in the related Mortgage Note. Initial Certificate Principal Balance: With respect to each Class of Certificates (other than the Class R Certificates), the Certificate Principal Balance of such Class of Certificates as of the Cut- off Date as set forth in the Preliminary Statement hereto. Insurance Proceeds: Proceeds paid in respect of the Mortgage Loans pursuant to any Primary Insurance Policy or any other related insurance policy covering a Mortgage Loan, to the extent such proceeds are payable to the mortgagee under the Mortgage, any Subservicer, the Master Servicer or 33 the Trustee and are not 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. Interest Accrual Period: With respect to the Class A-I Certificates (other than the Class A-I-1 Certificates), Class M-I Certificates and Class SB Certificates and any Distribution Date, the prior calendar month. With respect to the Class A-I-1, Class A-II and Class M-II Certificates, (i) with respect to the Distribution Date in July 2004, the period commencing on the Closing Date and ending on the day preceding the Distribution Date in July 2004, and (ii) with respect to any Distribution Date after the Distribution Date in July 2004, the period commencing on the Distribution Date in the month immediately preceding the month in which such Distribution Date occurs and ending on the day preceding such Distribution Date. Interest Remittance Amount: With respect to any Distribution Date and any Sub-Group, the portion of the Available Distribution Amount for such Distribution Date attributable to interest received or advanced with respect to the mortgage loans. Interim Certification: As defined in Section 2.02. --------------------- Interested Person: As of any date of determination, the Depositor, the Master Servicer, the Trustee, any Mortgagor, any Manager of a Mortgaged Property, or any Person known to a Responsible Officer of the Trustee to be an Affiliate of any of them. Late Collections: With respect to any Mortgage Loan, all amounts received during 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 Monthly Payments due but delinquent for a previous Due Period and not previously recovered. LIBOR: With respect to any Distribution Date, the arithmetic mean of the London interbank offered rate quotations for one-month U.S. Dollar deposits, expressed on a per annum basis, determined in accordance with Section 1.02. LIBOR Business Day: Any day other than (i) a Saturday or Sunday or (ii) a day on which banking institutions in London, England are required or authorized to by law to be closed. LIBOR Rate Adjustment Date: With respect to each Distribution Date, the second LIBOR Business Day immediately preceding the commencement of the related Interest Accrual Period. Limited Repurchase Right Holder: RFC Asset Holdings II, Inc., or its successor. Liquidation Proceeds: Amounts (other than Insurance Proceeds) received by the Master Servicer in connection with the taking of an entire Mortgaged Property by exercise of the power of eminent domain or condemnation or in connection with the liquidation of a defaulted Loan through trustee's sale, foreclosure sale or otherwise, other than REO Proceeds and Subsequent Recoveries. 34 Loan Group: With respect to the Class A-I, Class M-I and Class SB-I Certificates, the Group I Loans, and with respect to the Class A-II, Class M-II and Class SB-II Certificates, the Group II Loans. Loan-to-Value Ratio: As of any date, the fraction, expressed as a percentage, the numerator of which is the current principal balance of the related Mortgage Loan at the date of determination and the denominator of which is the Appraised Value of the related Mortgaged Property. Maturity Date: With respect to each Class of Certificates of regular interest or Uncertificated Regular Interest issued by each of REMIC I, REMIC II, REMIC III and REMIC IV, the latest possible maturity date, solely for purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, by which the Certificate Principal Balance of each such Class of Certificates representing a regular interest in the Trust Fund would be reduced to zero, which is, for each such regular interest June 25, 2034, which is the Distribution Date following the last scheduled monthly payment of the Group I Loans and the Group II Loans. Maximum Group II Rate: With respect to the Class A-II Certificates and Class M-II Certificates and any Interest Accrual Period, 14.00% per annum. Maximum Mortgage Rate: As to any adjustable rate Mortgage Loan, the rate indicated in Exhibit F-2 hereto as the "NOTE CEILING," which rate is the maximum interest rate that may be applicable to such adjustable rate Mortgage Loan at any time during the life of such Mortgage Loan. Maximum Net Mortgage Rate: As to any Group II Loan and any date of determination, the Maximum Mortgage Rate minus the sum of (i) the Subservicing Fee Rate and (ii) the Servicing Fee Rate. MERS: Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto. MERS(R) 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(R)System. Minimum Mortgage Rate: As to any adjustable rate Mortgage Loan, the greater of (i) the Note Margin and (ii) the rate indicated in Exhibit F-2 hereto as the "NOTE FLOOR", which rate may be applicable to such adjustable rate Mortgage Loan at any time during the life of such adjustable rate Mortgage Loan. Modified Mortgage Loan: Any Mortgage Loan that has been the subject of a Servicing Modification. 35 Modified Net Mortgage Rate: As to any Mortgage Loan that is the subject of a Servicing Modification, the Net Mortgage Rate, minus the rate per annum by which the Mortgage Rate on such Mortgage Loan was reduced. MOM Loan: With respect to any Mortgage Loan, 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 (including any REO Property) and the Due Date in any Due Period, the payment of principal and interest due thereon in accordance with the amortization schedule at the time applicable thereto (after adjustment, if any, for Curtailments and for Deficient Valuations occurring prior to such Due Date but before any adjustment to such amortization schedule by reason of any bankruptcy, other than a Deficient Valuation, or similar proceeding or any moratorium or similar waiver or grace period and before any Servicing Modification that constitutes a reduction of the interest rate on such Mortgage Loan). Moody's: Moody's Investors Service, Inc., or its successor in interest. ------- Mortgage: With respect to each Mortgage Note related to a Mortgage Loan, the mortgage, deed of trust or other comparable instrument creating a first or junior lien on an estate in fee simple interest in real 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. Mortgage Loan Schedule: The lists of the Mortgage Loans attached hereto as Exhibit F-1, Exhibit F-2 and Exhibit F-3 (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which lists shall set forth at a minimum the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) [reserved]; (iii) the maturity of the Mortgage Note ("MATURITY DATE" or "MATURITY DT") for Mortgage Loans; (iv) the Mortgage Rate as of the Cut-off Date ("ORIG RATE"); (v) the Mortgage Rate as of the Cut-off Date for an adjustable rate Mortgage Loan ("CURR RATE"); (vi) the Net Mortgage Rate as of the Cut-off Date ("CURR NET"); 36 (vii) the scheduled monthly payment of principal, if any, and interest as of the Cut-off Date ("ORIGINAL P & I" or "CURRENT P & I" for the adjustable rate Mortgage Loans); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) a code "T", "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence (the absence of any such code means the Mortgage Loan is secured by a primary residence); (xi) a code "N" under the column "OCCP CODE", indicating that the Mortgage Loan is secured by a non-owner occupied residence (the absence of any such code means the Mortgage Loan is secured by an owner occupied residence); (xii) the Maximum Mortgage Rate for the adjustable rate Mortgage Loans ("NOTE CEILING"); (xiii) the Maximum Net Mortgage Rate for the adjustable rate Mortgage Loans ("NET CEILING"); (xiv) the Note Margin for the adjustable rate Mortgage Loans ("NOTE MARGIN"); (xv) the first Adjustment Date after the Cut-off Date for the adjustable rate Mortgage Loans ("NXT INT CHG DT"); (xvi) the Periodic Cap for the adjustable rate Mortgage Loans ("PERIODIC DECR" or "PERIODIC INCR"); and (xvii) the rounding of the semi-annual or annual adjustment to the Mortgage Rate with respect to the adjustable rate Mortgage Loans ("NOTE METHOD"). Such schedules may consist of multiple reports that collectively set forth all of the information required. Mortgage Loans: Such of the mortgage loans transferred and assigned to the Trustee pursuant to Section 2.01 as from time to time are held or deemed to be held as a part of the Trust Fund, the Mortgage Loans originally so held being identified in the initial Mortgage Loan Schedule, and Qualified Substitute Mortgage Loans held or deemed held as part of the Trust Fund including, without limitation, each related Mortgage Note, Mortgage and Mortgage File and all rights appertaining thereto. Mortgage Note: The originally executed note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan, together with any modification thereto. 37 Mortgage Rate: As to any Mortgage Loan, the interest rate borne by the related Mortgage Note, or any modification thereto other than a Servicing Modification. The Mortgage Rate on the adjustable rate Mortgage Loans will adjust on each Adjustment Date to equal the sum (rounded to the nearest multiple of one-eighth of one percent (0.125%) or up to the nearest one-eighth of one percent, which are indicated by a "U" on Exhibit F-1, Exhibit F-2 or Exhibit F-3 hereto, as applicable, except in the case of the adjustable rate Mortgage Loans indicated by an "X" on Exhibit F-1, Exhibit F-2 or Exhibit F-3 hereto under the heading "NOTE METHOD"), of the related Index plus the Note Margin, in each case subject to the applicable Periodic Cap, Maximum Mortgage Rate and Minimum Mortgage Rate. Mortgaged Property: The underlying real property securing a Mortgage Loan. Mortgagor: The obligor on a Mortgage Note. --------- Net Mortgage Rate: With respect to any Mortgage Loan as of any date of determination, a per annum rate equal to the Mortgage Rate for such Mortgage Loan as of such date minus the sum of (i) the related Servicing Fee Rate and (ii) the related Subservicing Fee Rate. Non-Primary Residence Loans: The Mortgage Loans designated as secured by second or vacation residences, or by non-owner occupied residences, on the Mortgage Loan Schedule. Non-United States Person: Any Person other than a United States Person. ------------------------ Nonrecoverable Advance: Any Advance previously made or proposed to be made by the Master Servicer or Subservicer in respect of a Mortgage Loan (other than a Deleted Mortgage Loan) which, in the good faith judgment of the Master Servicer, will not, or, in the case of a proposed Advance, would not, be ultimately recoverable by the Master Servicer from related Late Collections, Insurance Proceeds, Liquidation Proceeds or REO Proceeds. To the extent that any Mortgagor is not obligated under the related Mortgage documents to pay or reimburse any portion of any Servicing Advances that are outstanding with respect to the related Mortgage Loan as a result of a modification of such Mortgage Loan by the Master Servicer, which forgives amounts which the Master Servicer or Subservicer had previously advanced, and the Master Servicer determines that no other source of payment or reimbursement for such advances is available to it, such Servicing Advances shall be deemed to be Nonrecoverable Advances. The determination by the Master Servicer that it has made a Nonrecoverable Advance shall be evidenced by an Officer's Certificate delivered to the Depositor, the Trustee and the Master Servicer setting forth such determination, which shall include any other information or reports obtained by the Master Servicer such as property operating statements, rent rolls, property inspection reports and engineering reports, which may support such determinations. Notwithstanding the above, the Trustee shall be entitled to rely upon any determination by the Master Servicer that any Advance previously made is a Nonrecoverable Advance or that any proposed Advance, if made, would constitute a Nonrecoverable Advance. Nonsubserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is not subject to a Subservicing Agreement. 38 Note Margin: As to each adjustable rate Mortgage Loan, the fixed percentage set forth in the related Mortgage Note and indicated in Exhibit F-2 hereto as the "NOTE MARGIN," which percentage is added to the Index on each Adjustment Date to determine (subject to rounding in accordance with the related Mortgage Note, the Periodic Cap, the Maximum Mortgage Rate and the Minimum Mortgage Rate) the interest rate to be borne by such adjustable rate Mortgage Loan until the next Adjustment Date. Notice: As defined in Section 4.04. Officers' Certificate: A certificate signed by the Chairman of the Board, the President, a Vice President, Assistant Vice President, Director, Managing Director, the Treasurer, the Secretary, an Assistant Treasurer or an Assistant Secretary of the Depositor or the Master Servicer, as the case may be, and delivered to the Trustee, as required by this Agreement. Opinion of Counsel: A written opinion of counsel acceptable to the Trustee and the Master Servicer, who may be counsel for the Depositor or the Master Servicer, provided that any opinion of counsel (i) referred to in the definition of "Disqualified Organization" or (ii) relating to the qualification of REMIC I, REMIC II, REMIC III or REMIC IV as REMICs or compliance with the REMIC Provisions must, unless otherwise specified, be an opinion of Independent counsel. Outstanding Mortgage Loan: As to the Due Date in any Due Period, a Mortgage Loan (including an REO Property) that was not the subject of a Principal Prepayment in Full, Cash Liquidation or REO Disposition and that was not purchased, deleted or substituted for prior to such Due Date pursuant to Section 2.02, 2.03, 2.04, 4.07 or 4.08. Overcollateralization Floor: As to either Loan Group, an amount equal to 0.50% of the aggregate Stated Principal Balance of the related Mortgage Loans as of the Cut-off Date. 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 the Class A-I-1 Certificates and each Interest Accrual Period a per annum rate equal to the lesser of (i) LIBOR plus the Class A-I-1 Margin and (ii) the Group I Net WAC Cap Rate. With respect to the Class A-I-2 Certificates and each Interest Accrual Period, a per annum rate equal to 4.132%. With respect to the Class A-I-3 Certificates and each Interest Accrual Period, a per annum rate equal to 4.540% per annum. With respect to the Class A-I- 4 Certificates and each Interest Accrual Period, a per annum rate equal to the lesser of (i) 5.457% per annum and (ii) the Group I Net WAC Cap Rate. With respect to the Class A-I-5 Certificates and each Interest Accrual Period, a per annum rate equal to the lesser of (i) 5.900% per annum and (ii) the Group I Net WAC Cap Rate; provided, that, on or after the second Distribution Date after the first possible Group I Optional Termination Date, the applicable per annum rate for purposes of clause (i) shall be equal to 6.400%. With respect to the Class A-I-6 Certificates and each Interest Accrual Period, a per annum rate equal to the lesser of (i) 5.528% per annum and (ii) the Group I Net WAC Cap Rate. With respect to the Class M-I-1 Certificates and each Interest Accrual Period, a per annum rate equal to the lesser of (i) 5.900% per annum and (ii) the Group I Net WAC Cap Rate; 39 provided, that, on or after the second Distribution Date after the first possible Group I Optional Termination Date, the applicable per annum rate for purposes of clause (i) shall be equal to 6.400%. With respect to the Class M-I-2 Certificates and each Interest Accrual Period, a per annum rate equal to the lesser of (i) 5.900% per annum and (ii) the Group I Net WAC Cap Rate; provided, that, on or after the second Distribution Date after the first possible Group I Optional Termination Date, the applicable per annum rate for purposes of clause (i) shall be equal to 6.400%. With respect to the Class M-I-3 Certificates and each Interest Accrual Period, a per annum rate equal to the lesser of (i) 5.900% per annum and (ii) the Group I Net WAC Cap Rate; provided, that, on or after the second Distribution Date after the first possible Group I Optional Termination Date, the applicable per annum rate for purposes of clause (i) shall be equal to 6.400%. With respect to the Class M-I-4 Certificates and each Interest Accrual Period, a per annum rate equal to the lesser of (i) 5.900% per annum and (ii) the Group I Net WAC Cap Rate; provided, that, on or after the second Distribution Date after the first possible Group I Optional Termination Date, the applicable per annum rate for purposes of clause (i) shall be equal to 6.400%. For federal income tax purposes, however, the amount determined under each clause (ii) in this paragraph shall be the equivalent of the Group I Net WAC Cap Rate, expressed as the weighted average of the Uncertificated REMIC III Pass-Through Rates for the REMIC III Group I Regular Interests, weighted on the basis of the respective Uncertificated Principal Balances thereof for such Distribution Date, and multiplied, in the case of the Class A-I-1 Certificates, by a fraction, the numerator of which is 30, and the denominator of which is the actual number of days in the related Interest Accrual Period. With respect to the Class A-II Certificates and each Interest Accrual Period, a per annum rate equal to the least of (i) LIBOR plus the related Class A-II Margin, (ii) the Maximum Group II Rate and (iii) the Group II Net WAC Cap Rate. With respect to the Class M-II Certificates and each Interest Accrual Period, a per annum rate equal to the least of (i) LIBOR plus the related Class M-II Margin, (ii) the Maximum Group II Rate and (iii) the Group II Net WAC Cap Rate. For federal income tax purposes, however, the amount determined under each clause (iii) in this paragraph shall be the equivalent of the foregoing, expressed as the weighted average of the Uncertificated REMIC III Pass-Through Rates for REMIC III Group II Regular Interests, weighted on the basis of the Uncertificated Principal Balance thereof for such Distribution Date, multiplied by a fraction, the numerator of which is 30, and the denominator of which is the actual number of days in the related Interest Accrual Period. With respect to the Class SB-I Certificates, a per annum rate equal to the percentage equivalent of a fraction, (x) the numerator of which is the sum, for each REMIC III Group I Regular Interest, of the excess of the Uncertificated Pass-Through Rate for such REMIC III Group I Regular Interest over the Group I Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of such REMIC III Group I Regular Interest and (y) the denominator of which is the aggregate Uncertificated Principal Balance of the REMIC III Group I Regular Interests. With respect to the Class SB-II Certificates, a per annum rate equal to the percentage equivalent of a fraction, (x) the numerator of which is the sum, for each REMIC III Group II Regular Interest, of the excess of the Uncertificated Pass-Through Rate for such REMIC III Group II Regular Interest over the Group II Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of such REMIC III Group II Regular Interest and (y) the denominator of which is the aggregate Uncertificated Principal Balance of the REMIC III Group II Regular Interests. 40 Paying Agent: JPMorgan Chase Bank or any successor Paying Agent appointed by the Trustee. Percentage Interest: With respect to any Class A Certificate or Class M Certificate, the undivided percentage ownership interest in the related Class evidenced by such Certificate, which percentage ownership interest shall be equal to the Initial Certificate Principal Balance thereof divided by the aggregate Initial Certificate Principal Balance of all of the Certificates of the same Class. The Percentage Interest with respect to a Class SB Certificate or Class R Certificate shall be stated on the face thereof. Periodic Cap: With respect to each adjustable rate Mortgage Loan, the periodic rate cap that limits the increase or the decrease of the related Mortgage Rate on any Adjustment Date pursuant to the terms of the related Mortgage Note. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to principal and interest by the United States or any agency or instrumentality thereof when such obligations are backed by the full faith and credit of the United States; (ii) repurchase agreements on obligations specified in clause (i) maturing not more than one month from the date of acquisition thereof, provided that the unsecured obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in its highest short-term rating available; (iii) federal funds, certificates of deposit, demand deposits, time deposits and 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 of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof or of any domestic branch of a foreign depository institution or trust company; provided that the debt obligations of such depository institution or trust company (or, if the only Rating Agency is Standard & Poor's, in the case of the principal depository institution in a depository institution holding company, debt obligations of the depository institution holding company) at the date of acquisition thereof have been rated by each Rating Agency in its highest short-term rating available; and provided further that, if the only Rating Agency is Standard & Poor's and if the depository or trust company is a principal subsidiary of a bank holding company and the debt obligations of such subsidiary are not separately rated, the applicable rating shall be that of the bank holding company; and, provided further that, if the original maturity of such short-term obligations of a domestic branch of a foreign depository institution or trust company shall exceed 30 days, the short- term rating of such institution shall be A-1+ in the case of Standard & Poor's if Standard & Poor's is a Rating Agency; (iv) commercial paper and demand notes (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof 41 which on the date of acquisition has been rated by each Rating Agency in its highest short- term rating available; provided that such commercial paper and demand notes shall have a remaining maturity of not more than 30 days; (v) a money market fund or a qualified investment fund rated by each Rating Agency in its highest long-term rating available; and (vi) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency, as evidenced in writing; provided, however, that no instrument shall be a Permitted Investment if it represents, either (1) the right to receive only interest payments with respect to the underlying debt instrument or (2) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest payments with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations. References herein to the highest rating available on unsecured long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa in the case of Moody's, and references herein to the highest rating available on unsecured commercial paper and short-term debt obligations shall mean the following: A-1 in the case of Standard & Poor's, P-1 in the case of Moody's and F-1 in the case of Fitch. Permitted Transferee: Any Transferee of a Class R Certificate, other than a Disqualified Organization or Non-United States Person. Person: Any individual, corporation, limited liability company, partnership, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof. Prepayment Assumption: With respect to the Class A Certificates and Class M Certificates, the prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on such Certificates for federal income tax purposes, which assumes a prepayment rate of 20% HEP with respect to the Group I Loans, and 100% PPC with respect to the Group II Loans. Prepayment Interest Shortfall: As to any Distribution Date and any Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was the subject of (a) a Principal Prepayment in Full during the related Prepayment Period, an amount equal to the excess of one month's interest at the related Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the Stated Principal Balance of such Mortgage Loan over the amount of interest (adjusted to the related Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) paid by the Mortgagor for such Prepayment Period to the date of such Principal Prepayment in Full or (b) a Curtailment during the prior calendar month, an amount equal to one month's interest at the related Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount of such Curtailment. 42 Prepayment Period: As to any Distribution Date, the calendar month preceding the month of distribution. Primary Insurance Policy: Each primary policy of mortgage guaranty insurance as indicated on Exhibit F-1, Exhibit F-2 and Exhibit F-3 with the exception of either code "23" or "96" under the column "MI CO CODE". Principal Prepayment: Any payment of principal or other recovery on a Mortgage Loan, including a recovery that takes the form of Liquidation Proceeds or Insurance Proceeds, which is received in advance of its scheduled Due Date and is not accompanied by an amount as to interest representing scheduled interest on such payment due on any date or dates in any month or months subsequent to the month of prepayment. Principal Prepayment in Full: Any Principal Prepayment made by a Mortgagor of the entire principal balance of a Mortgage Loan. Program Guide: The Residential Funding Seller Guide for mortgage collateral sellers that participate in Residential Funding's standard mortgage programs, and Residential Funding's Servicing Guide and any other subservicing arrangements which Residential Funding has arranged to accommodate the servicing of the Mortgage Loans. Purchase Price: With respect to any Mortgage Loan (or REO Property) required to be or otherwise purchased on any date pursuant to Section 2.02, 2.03, 2.04, 4.07 or 4.08, an amount equal to the sum of (i) (a) if such Mortgage Loan (or REO Property) is being purchased pursuant to Sections 2.02, 2.03, 2.04 or 4.07 of this Agreement, 100% of the Stated Principal Balance thereof plus the principal portion of any related unreimbursed Advances or (b) if such Mortgage Loan (or REO Property) is being purchased pursuant to Section 4.08 of this Agreement, the greater of (1) 100% of the Stated Principal Balance thereof plus the principal portion of any related unreimbursed Advances on such Mortgage Loan (or REO Property) and (2) the fair market value thereof plus the principal portion of any related unreimbursed Advances and (ii) unpaid accrued interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) in the case of a purchase made by the Master Servicer) on the Stated Principal Balance thereof to, but not including, the first day of the month following the month of purchase from the Due Date to which interest was last paid by the Mortgagor. Qualified Insurer: A mortgage guaranty insurance company duly qualified as such under the laws of the state of its principal place of business and each state having jurisdiction over such insurer in connection with the insurance policy issued by such insurer, duly authorized and licensed in such states to transact a mortgage guaranty insurance business in such states and to write the insurance provided by the insurance policy issued by it, approved as a FNMA- or FHLMC-approved mortgage insurer or having a claims paying ability rating of at least "AA" or equivalent rating by a nationally recognized statistical rating organization. Any replacement insurer with respect to a Mortgage Loan must have at least as high a claims paying ability rating as the insurer it replaces had on the Closing Date. 43 Qualified Substitute Mortgage Loan: A Mortgage Loan substituted by Residential Funding or the Depositor for a Deleted Mortgage Loan which must, on the date of such substitution, as confirmed in an Officers' Certificate delivered to the Trustee, (i) have an outstanding principal balance, after deduction of the principal portion of the monthly payment due in the month of substitution (or in the case of a substitution of more than one Mortgage Loan for a Deleted Mortgage Loan, an aggregate outstanding principal balance, after such deduction), not in excess of the Stated Principal Balance of the Deleted Mortgage Loan (the amount of any shortfall to be deposited by Residential Funding, in the Custodial Account in the month of substitution); (ii) have a Mortgage Rate and a Net Mortgage Rate no lower than and not more than 1% per annum higher than the Mortgage Rate and Net Mortgage Rate, respectively, of the Deleted Mortgage Loan as of the date of substitution; (iii) have a Loan-to-Value Ratio at the time of substitution no higher than that of the Deleted Mortgage Loan at the time of substitution; (iv) have a remaining term to stated maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan; (v) comply with each representation and warranty set forth in Sections 2.03 and 2.04 hereof and Section 4 of the Assignment Agreement; and (vi) in the case of the adjustable rate Mortgage Loans, (w) have a Mortgage Rate that adjusts with the same frequency and based upon the same Index as that of the Deleted Mortgage Loan, (x) have a Note Margin not less than that of the Deleted Mortgage Loan; (y) have a Periodic Rate Cap that is equal to that of the Deleted Mortgage Loan; and (z) have a next Adjustment Date no later than that of the Deleted Mortgage Loan. Rating Agency: Standard & Poor's and Moody's. If any agency or a successor is no longer in existence, "Rating Agency" shall be such statistical credit rating agency, or other comparable Person, designated by the Depositor, notice of which designation shall be given to the Trustee and the Master Servicer. Realized Loss: With respect to each Mortgage Loan (or REO Property) as to which a Cash Liquidation or REO Disposition has occurred, an amount (not less than zero) equal to (i) the Stated Principal Balance of the Mortgage Loan (or REO Property) as of the date of Cash Liquidation or REO Disposition, plus (ii) interest (and REO Imputed Interest, if any) at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) from the Due Date as to which interest was last paid or advanced to Certificateholders up to the last day of the month in which the Cash Liquidation (or REO Disposition) occurred on the Stated Principal Balance of such Mortgage Loan (or REO Property) outstanding during each Due Period that such interest was not paid or advanced, minus (iii) the proceeds, if any, received during the month in which such Cash Liquidation (or REO Disposition) occurred, to the extent applied as recoveries of interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) and to principal of the Mortgage Loan, net of the portion thereof reimbursable to the Master Servicer or any Subservicer with respect to related Advances, Servicing Advances or other expenses as to which the Master Servicer or Subservicer is entitled to reimbursement thereunder but which have not been previously reimbursed. With respect to each Mortgage Loan which is the subject of a Servicing Modification, (a) (1) the amount by which the interest portion of a Monthly Payment or the principal balance of such Mortgage Loan was reduced or (2) the sum of any other amounts owing under the Mortgage Loan that were forgiven and that constitute Servicing Advances that are reimbursable to the Master Servicer or a Subservicer, and (b) any such amount with respect to a Monthly Payment that was or would have been due in the month immediately following the month in which a Principal Prepayment or the Purchase Price of such Mortgage Loan is received or is deemed to have been 44 received. 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 object of a Debt Service Reduction, the amount of such Debt Service Reduction. Notwithstanding the above, neither a Deficient Valuation nor a Debt Service Reduction shall be deemed a Realized Loss hereunder so long as the Master Servicer has notified the Trustee in writing that the Master Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by the Master Servicer or a Subservicer, in either case without giving effect to any Debt Service Reduction. Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Class A-I-1, Class A-II and Class M-II Certificates which are Book-Entry Certificates), the close of business on the last Business Day of the month next preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Class A-I-1, Class A-II and Class M-II Certificates which are Book-Entry Certificates, the close of business on the Business Day prior to such Distribution Date. Regular Certificates: The Class A, Class M and Class SB Certificates. -------------------- Regular Interest: Any one of the regular interests in the Trust Fund. ---------------- Relief Act: The Servicemembers Civil Relief Act. ---------- Relief Act Shortfalls: Interest shortfalls on the Mortgage Loans resulting from the Relief Act or similar legislation or regulations. REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the Code. REMIC Administrator: Residential Funding Corporation. If Residential Funding Corporation is found by a court of competent jurisdiction to no longer be able to fulfill its obligations as REMIC Administrator under this Agreement the Master Servicer or Trustee acting as successor master servicer shall appoint a successor REMIC Administrator, subject to assumption of the REMIC Administrator obligations under this Agreement. REMIC I: The segregated pool of assets subject hereto (exclusive of the Reserve Fund, which is not an asset of any REMIC), constituting a portion of the primary trust created hereby and to be administered hereunder, with respect to which a separate REMIC election is to be made (other than with respect to the items in clause (v) and the proceeds thereof), consisting of: (i) the Group I Loans and the related Mortgage Files; (ii) all payments on and collections in respect of the Group I Loans due after the Cut-off Date (other than Monthly Payments due in June 2004) as shall be on deposit 45 in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund; (iii) property which secured a Group I Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure; (iv) the hazard insurance policies and Primary Insurance Policy pertaining to the Group I Loans, if any; and (v) all proceeds of clauses (i) through (iv) above. REMIC I Regular Interest: REMIC I Regular Interest A. ------------------------ REMIC I Regular Interest A: A regular interest in REMIC I that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC I Pass-Through Rate, and that has such other terms as are described herein. REMIC II: The segregated pool of assets subject hereto (exclusive of the Reserve Fund, which is not an asset of any REMIC), constituting a portion of the primary trust created hereby and to be administered hereunder, with respect to which a separate REMIC election is to be made (other than with respect to the items in clause (v) and the proceeds thereof), consisting of: (i) the Group II Loans and the related Mortgage Files; (ii) all payments on and collections in respect of the Group II Loans due after the Cut-off Date (other than Monthly Payments due in June 2004) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund; (iii) property which secured a Group II Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure; (iv) the hazard insurance policies and Primary Insurance Policy pertaining to the Group II Loans, if any; and (v) all proceeds of clauses (i) through (iv) above. REMIC II Regular Interest: REMIC II Regular Interest B. ------------------------- REMIC II Regular Interest B: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC III: The segregated pool of assets subject hereto, constituting a portion of the primary trust created hereby and to be administered hereunder, with respect to which a separate REMIC election is to be made, consisting of the REMIC I Regular Interest and the REMIC II Regular Interest. REMIC III Group I Diverted Excess Spread: 1% of the Group I Diverted Excess Spread. REMIC III Group II Diverted Excess Spread: 1% of the Group II Diverted Excess Spread. REMIC III Group I Interest Loss Allocation Amount: With respect to any Distribution Date, an amount equal to (a) the product of (i) the aggregate Uncertificated Principal Balance of the REMIC III Group I Regular Interests then outstanding and (ii) the Uncertificated Pass-Through Rate for REMIC III Regular Interest I-AA minus the Group I Marker Rate, divided by (b) 12. 46 REMIC III Group II Interest Loss Allocation Amount: With respect to any Distribution Date, an amount equal to (a) the product of (i) the aggregate Uncertificated Principal Balance of the REMIC III Group II Regular Interests then outstanding and (ii) the Uncertificated Pass-Through Rate for REMIC III Regular Interest II-AA minus the Group II Marker Rate divided by (b) 12. REMIC III Group I Overcollateralized Amount: With respect to any date of determination, (i) 1% of the aggregate Uncertificated Principal Balances of the REMIC III Group I Regular Interests minus (ii) the aggregate Uncertificated Principal Balances of the REMIC III Group I Regular Interests (other than REMIC III Regular Interests I-AA and I-ZZ), in each case as of such date of determination. REMIC III Group II Overcollateralized Amount: With respect to any date of determination, (i) 1% of the aggregate Uncertificated Principal Balances of the REMIC III Group II Regular Interests minus (ii) the aggregate Uncertificated Principal Balances of the REMIC III Group II Regular Interests (other than REMIC III Group II Regular Interests II-A and II-ZZ), in each case as of such date of determination. REMIC III Group I Principal Loss Allocation Amount: With respect to any Distribution Date, an amount equal to the product of (i) the aggregate Stated Principal Balance of the Group I Loans then outstanding and (ii) 1 minus a fraction, the numerator of which is two times the sum of the Uncertificated Principal Balances of REMIC III Regular Interests A-I-1, A-I-2, A-I-3, A-I-4, A-I-5, A-I-6, M-I-1, M-I-2, M-I-3 and M-I-4 and the denominator of which is the sum of the Uncertificated Principal Balances of REMIC III Regular Interests A-I-1, A-I-2, A-I-3, A-I-4, A-I-5, A-I-6, M-I-1, M-I-2, M-I-3, M-I-4 and I-ZZ. REMIC III Group II Principal Loss Allocation Amount: With respect to any Distribution Date, an amount equal to the product of (i) the aggregate Stated Principal Balance of the Group II Loans then outstanding and (ii) 1 minus a fraction, the numerator of which is two times the Uncertificated Principal Balances of REMIC III Regular Interests A-II-A, A-II-B1, A-II-B2, M-II-1, M-II-2, M-II-3, M-II-4 and M-II-5 and the denominator of which is the sum of the Uncertificated Principal Balances of REMIC III Regular Interests A-II-A, A-II-B1, A-II-B2, M-II-1, M-II-2, M-II-3, M-II-4, M-II-5 and II-ZZ. REMIC III Group I Regular Interests: REMIC III Regular Interests I-AA, A-I-1, A-I-2, A-I-3, A-I-4, A-I-5, A-I-6, M-I-1, M-I-2, M-I-3, M-I-4 and I-ZZ. REMIC III Group II Regular Interests: REMIC III Regular Interests II-AA, A-II-A, A-II-B1, A-II-B2, M-II-1, M-II-2, M-II-3, M-II-4, M-II-5 and II-ZZ. REMIC III Group I Required Overcollateralization Amount: 1% of the Group I Required Overcollateralization Amount. REMIC III Group II Required Overcollateralized Amount: 1% of the Group II Required Overcollateralization Amount. 47 REMIC III Regular Interests: REMIC III Regular Interest I-AA, REMIC III Regular Interest A-I-1, REMIC III Regular Interest A-I-2, REMIC III Regular Interest A-I-3, REMIC III Regular Interest A-I-4, REMIC III Regular Interest A-I-5, REMIC III Regular Interest A-I-6, REMIC III Regular Interest M-I-1, REMIC III Regular Interest M-I-2, REMIC III Regular Interest M-I-3, REMIC III Regular Interest I-ZZ, REMIC III Regular Interest II-AA, REMIC III Regular Interest A- II-A, REMIC III Regular Interest A-II-B1, REMIC III Regular Interest A-II-B2, REMIC III Regular Interest A-II-B3, REMIC III Regular Interest A-II-B4, REMIC III Regular Interest M-II-1, REMIC III Regular Interest M-II-2, REMIC III Regular Interest M-II-3, REMIC III Regular Interest M-II-4, REMIC III Regular Interest M-II-5 and REMIC III Regular Interest II-ZZ. REMIC III Regular Interest I-AA: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-I-1: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-I-2: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-I-3: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-I-4: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-I-5: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-I-6: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. 48 REMIC III Regular Interest M-I-1: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest M-I-2: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest M-I-3: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest M-I-4: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest I-ZZ: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest II-AA: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-II-A: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-II-B1: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest A-II-B2: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. 49 REMIC III Regular Interest M-II-1: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest M-II-2: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest M-II-3: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest M-II-4: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest M-II-5: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest II-ZZ: A regular interest in REMIC III that is held as an asset of REMIC IV, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC III Pass-Through Rate, and that has such other terms as are described herein. REMIC III Regular Interest I-ZZ Maximum Interest Deferral Amount: With respect to any Distribution Date, the sum of (a) the excess of (i) Uncertificated Accrued Interest calculated with the REMIC III Regular Interest I-ZZ Uncertificated Pass-Through Rate and an Uncertificated Principal Balance equal to the excess of (x) the Uncertificated Principal Balance of REMIC III Regular Interest I-ZZ over (y) the REMIC III Group I Overcollateralized Amount, in each case for such Distribution Date, over (ii) the sum of Uncertificated Accrued Interest on REMIC III Regular Interest A-I-1 through REMIC III Regular Interest A-I-6 and REMIC III Regular Interest M-I-1 through REMIC III Regular Interest M-I-4, with the rate on each such REMIC III Group I Regular Interest subject to a cap equal to the Pass-Through Rate for the Corresponding Class for the purpose of this calculation and (b) the REMIC III Group II Diverted Excess Spread. REMIC III Regular Interest II-ZZ Maximum Interest Deferral Amount: With respect to any Distribution Date, the sum of (a) the excess of (i) Uncertificated Accrued Interest calculated with the REMIC III Regular Interest II-ZZ Uncertificated Pass-Through Rate and an Uncertificated Principal Balance equal to the excess of (x) the Uncertificated Principal Balance of REMIC III Regular Interest II-ZZ over (y) the REMIC III Group II Overcollateralized Amount, in each case for such Distribution 50 Date, over (ii) the sum of Uncertificated Accrued Interest on REMIC III Regular Interests A-II-A, REMIC III Regular Interest A-II-B1, REMIC III Regular Interest A-II-B2 and REMIC III Regular Interest M-II-1 through REMIC III Regular Interest M-II-5, with the rate on each such REMIC III Group II Regular Interest subject to a cap equal to the Pass-Through Rate for the Corresponding Class for the purpose of this calculation and (b) the REMIC III Group I Diverted Excess Spread. REMIC IV: The segregated pool of assets subject hereto, constituting a portion of the primary trust created hereby and to be administered hereunder, with respect to which a separate REMIC election is to be made, consisting of the REMIC III Regular Interests. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Sections 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and temporary and final regulations (or, to the extent not inconsistent with such temporary or final regulations, proposed regulations) and published rulings, notices and announcements promulgated thereunder, as the foregoing may be in effect from time to time. REO Acquisition: The acquisition by the Master Servicer on behalf of the Trustee for the benefit of the Certificateholders of any REO Property pursuant to Section 3.14. REO Disposition: As to any REO Property, a determination by the Master Servicer that it has received substantially all Insurance Proceeds, Liquidation Proceeds, REO Proceeds and other payments and recoveries (including proceeds of a final sale) which the Master Servicer expects to be finally recoverable from the sale or other disposition of the REO Property. REO Imputed Interest: As to any REO Property, for any period, an amount equivalent to interest (at a rate equal to the sum of the Net Mortgage Rate that would have been applicable to the related Mortgage Loan had it been outstanding) on the unpaid principal balance of the Mortgage Loan as of the date of acquisition thereof for such period. REO Proceeds: Proceeds, net of expenses, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property) which proceeds are required to be deposited into the Custodial Account only upon the related REO Disposition. REO Property: A Mortgaged Property acquired by the Master Servicer, on behalf of the Trustee for the benefit of the Certificateholders pursuant to Section 3.14, through foreclosure or deed in lieu of foreclosure in connection with a defaulted Mortgage Loan. Reportable Modified Mortgage Loan: Any Mortgage Loan that (i) has been subject to an interest rate reduction, (ii) has been subject to a term extension or (iii) has had amounts owing on such Mortgage Loan capitalized by adding such amount to the Stated Principal Balance of such Mortgage Loan; provided, however, that a Mortgage Loan modified in accordance with clause (i) above for a temporary period shall not be a Reportable Modified Mortgage Loan if such Mortgage Loan has not been delinquent in payments of principal and interest for six months since the date of such modification if that interest rate reduction is not made permanent thereafter. 51 Repurchase Event: As defined in the Assignment Agreement. Request for Release: A request for release, the forms of which are attached as Exhibit G hereto, or an electronic request in a form acceptable to the Custodian. Required Insurance Policy: With respect to any Mortgage Loan, any insurance policy which is required to be maintained from time to time under this Agreement, the Program Guide or the related Subservicing Agreement in respect of such Mortgage Loan. Reserve Fund: An "outside reserve fund" within the meaning of Treasury regulation Section 1.860G-2(h), which is not an asset of any REMIC, ownership of which is evidenced by the Class SB- I Certificates and Class SB-II Certificates, as applicable, and which is established and maintained pursuant to Section 4.09. Reserve Fund Deposit: With respect to the Reserve Fund, an amount equal to $5,000, which the Trustee shall deposit into the Reserve Fund pursuant to Section 4.09 hereof. Reserve Fund Residual Right: The right to distributions from the Reserve Fund as described in Section 4.09 hereof. Residential Funding: Residential Funding Corporation, a Delaware corporation, in its capacity as seller of the Mortgage Loans to the Depositor and any successor thereto. Responsible Officer: When used with respect to the Trustee, any officer of the Institutional Trust Services/Structured Finance Services Department of the Trustee, including any Senior Vice President, any Vice President, any Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of the Trustee with direct responsibility for the administration of this Agreement. Servicing Accounts: The account or accounts created and maintained pursuant to Section 3.08. Servicing Advances: All customary, reasonable and necessary "out of pocket" costs and expenses incurred in connection with a default, delinquency or other unanticipated event by the Master Servicer or a Subservicer 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, 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 and liquidation of any REO Property, (iv) any mitigation procedures implemented in accordance with Section 3.07 and (v) compliance with the obligations under Sections 3.01, 3.08, 3.12(a) and 3.14, including, if the Master Servicer or any Affiliate of the Master Servicer provides services such as appraisals and brokerage services that are customarily provided by Persons other than servicers of mortgage loans, reasonable compensation for such services. Servicing Fee: With respect to any Mortgage Loan and Distribution Date, the fee payable monthly to the Master Servicer in respect of master servicing compensation that accrues at an annual 52 rate equal to the Servicing Fee Rate multiplied by the Stated Principal Balance of such Mortgage Loan as of the related Due Date in the related Due Period, as may be adjusted pursuant to Section 3.16(e). Servicing Fee Rate: The per annum rate designated on the Mortgage Loan Schedule as the "MSTR SERV FEE" as may be adjusted with respect to successor Master Servicers as provided in Section 7.02. Servicing Modification: Any reduction of the interest rate on or the outstanding principal balance of a Mortgage Loan, any extension of the final maturity date of a Mortgage Loan, and any increase to the Stated Principal Balance of a Mortgage Loan by adding to the Stated Principal Balance unpaid principal and interest and other amounts owing under the Mortgage Loan, in each case pursuant to a modification of a Mortgage Loan that is in default or, in the judgment of the Master Servicer, default is reasonably foreseeable in accordance with Section 3.07(a). Servicing Officer: Any officer of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name and specimen signature appear on a list of servicing officers furnished to the Trustee on the Closing Date by the Master Servicer, as such list may from time to time be amended. Standard & Poor's: Standard & Poor's, a division of The McGraw-Hill Companies, or its successor in interest. Startup Date: The day designated as such pursuant to Article X hereof. ------------ Stated Principal Balance: With respect to any Mortgage Loan or related REO Property, at any given time, (i) the sum of (a) the Cut-off Date Principal Balance of the Mortgage Loan plus (b) any amount by which the Stated Principal Balance of the Mortgage Loan has been increased pursuant to a Servicing Modification, minus (ii) the sum of (a) the aggregate of the principal portion of the Monthly Payments due with respect to such Mortgage Loan or REO Property during each Due Period commencing on the first Due Period after the Cut-Off Date and ending with the Due Period related to the most recent Distribution Date which were received or with respect to which an Advance was made, and (b) all Principal Prepayments with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds, Liquidation Proceeds and REO Proceeds, to the extent applied by the Master Servicer as recoveries of principal in accordance with Section 3.14 with respect to such Mortgage Loan or REO Property, in each case which were distributed pursuant to Section 4.02 or 4.03 on any previous Distribution Date, and (c) any Realized Loss allocated to Certificateholders with respect thereto for any previous Distribution Date. Sub-Group: Each sub-group of Loan Group II referred to as the Group II-A Loans and the Group II-B Loans. Subordination: The provisions described in Section 4.05 relating to the allocation of Realized Losses. 53 Subordination Percentage: With respect to the Class A-I Certificates, 74.20%; with respect to the Class M-I-1 Certificates, 81.20%; with respect to the Class M-I-2 Certificates, 87.20%; with respect to the Class M-I-3 Certificates, 91.70%; with respect to the Class M-I-4 Certificates, 94.20%, with respect to the Class A-II Certificates, 54.80%; with respect to the Class M-II-1 Certificates, 74.00%; with respect to the Class M-II-2 Certificates, 83.50%; with respect to the Class M-II-3 Certificates, 86.00%; with respect to the Class M-II-4 Certificates, 89.50%; and with respect to the Class M-II-5 Certificates, 92.50%. Subsequent Recoveries: As of any Distribution Date, amounts received by the Master Servicer (net of any related expenses permitted to be reimbursed pursuant to Section 3.10) or surplus amounts held by the Master Servicer to cover estimated expenses (including, but not limited to, recoveries in respect of the representations and warranties made by the related Seller pursuant to the applicable Seller's Agreement and assigned to the Trustee pursuant to Section 2.04) specifically related to a Mortgage Loan that was the subject of a Cash Liquidation or an REO Disposition prior to the related Prepayment Period that resulted in a Realized Loss. Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is subject to a Subservicing Agreement. Subservicer: Any Person with whom the Master Servicer has entered into a Subservicing Agreement and who generally satisfied the requirements set forth in the Program Guide in respect of the qualification of a Subservicer as of the date of its approval as a Subservicer by the Master Servicer. Subservicer Advance: Any delinquent installment of principal and interest on a Mortgage Loan which is advanced by the related Subservicer (net of its Subservicing Fee) pursuant to the Subservicing Agreement. Subservicing Account: An account established by a Subservicer in accordance with Section 3.08. Subservicing Agreement: The written contract between the Master Servicer and any Subservicer relating to servicing and administration of certain Mortgage Loans as provided in Section 3.02, generally in the form of the servicer contract referred to or contained in the Program Guide or in such other form as has been approved by the Master Servicer and the Depositor. Subservicing Fee: As to any Mortgage Loan, the fee payable monthly to the related Subservicer (or, in the case of a Nonsubserviced Mortgage Loan, to the Master Servicer) in respect of subservicing and other compensation that accrues with respect to each Distribution Date at an annual rate equal to the Subservicing Fee Rate multiplied by the Stated Principal Balance of such Mortgage Loan as of the related Due Date in the related Due Period. Subservicing Fee Rate: The per annum rate designated on the Mortgage Loan Schedule as the "SUBSERV FEE". 54 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 REMIC I, REMIC II, REMIC III and REMIC IV due to their classification as REMICs 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. 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. Trust Fund: Collectively, the assets of REMIC I, REMIC II, REMIC III and REMIC IV, the Reserve Fund and the Reserve Fund Deposit. Uniform Single Attestation Program for Mortgage Bankers: The Uniform Single Attestation Program for Mortgage Bankers, as published by the Mortgage Bankers Association of America and effective with respect to fiscal periods ending on or after December 15, 1995. Uncertificated Accrued Interest: With respect to any Uncertificated Regular Interest for any Distribution Date, one month's interest at the related Uncertificated Pass-Through Rate for such Distribution Date, accrued on the Uncertificated Principal Balance immediately prior to such Distribution Date. Uncertificated Accrued Interest for the REMIC I Regular Interest, the REMIC II Regular Interest and the REMIC III Regular Interests shall accrue on the basis of a 360-day year consisting of twelve 30-day months. For purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC III Group I Regular Interests for any Distribution Date, any Prepayment Interest Shortfalls (to the extent not covered by Eligible Master Servicing Compensation) relating to the Group I Loans for any Distribution Date shall be allocated first, to Uncertificated Accrued Interest payable to REMIC III Regular Interest I-AA and REMIC III Regular Interest I-ZZ up to an aggregate amount equal to the REMIC III Group I Interest Loss Allocation Amount, 98% and 2%, respectively, and thereafter any remaining Prepayment Interest Shortfalls (to the extent not covered by Eligible Master Servicing Compensation) relating to the Group I Loans for any Distribution Date shall be allocated among the REMIC III Group I Regular Interests, pro rata based on, and to the extent of, Uncertificated Accrued Interest, as calculated without application of this sentence. For purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC III Group II Regular Interests for any Distribution Date, any Prepayment Interest Shortfalls (to the extent not covered by Eligible Master Servicing Compensation) relating to the Group II Loans for any Distribution Date shall be allocated first, to Uncertificated Accrued Interest payable to REMIC III Regular Interest II-AA and REMIC III Regular Interest II-ZZ up to an aggregate amount equal to the REMIC III Group II Interest Loss Allocation Amount, 98% and 2%, respectively, and thereafter any remaining Prepayment Interest Shortfalls (to the extent not covered by Eligible Master 55 Servicing Compensation) relating to the Group II Loans for any Distribution Date shall be allocated among the REMIC III Group II Regular Interests, pro rata based on, and to the extent of, Uncertificated Accrued Interest, as calculated without application of this sentence. Uncertificated Pass-Through Rate: The Uncertificated REMIC I Pass-Through Rate, Uncertificated REMIC II Pass-Through Rate or Uncertificated REMIC III Pass-Through Rate. Uncertificated Principal Balance: The principal amount of any Uncertificated Regular Interest outstanding as of any date of determination. The Uncertificated Principal Balance of each Uncertificated Regular Interest shall be reduced by all distributions of principal made on such Uncertificated Regular Interest, as applicable, on such Distribution Date and, if and to the extent necessary and appropriate, shall be further reduced in such Distribution Date by Realized Losses. The Uncertificated Principal Balance of each Uncertificated Regular Interest shall never be less than zero. Uncertificated Regular Interests: The REMIC I Regular Interest, REMIC II Regular Interest and REMIC III Regular Interests. Uncertificated REMIC I Pass-Through Rate: With respect to any Distribution Date, a per annum rate equal to the Group I Net WAC Cap Rate. Uncertificated REMIC II Pass-Through Rate: With respect to any Distribution Date, a per annum rate equal to the rate specified in clause (i) of the definition of Group II Net WAC Cap Rate. Uncertificated REMIC III Pass-Through Rate: With respect to any Distribution Date, (x) with respect to the REMIC III Group I Regular Interests, a per annum rate equal to the weighted average of the Uncertificated REMIC I Pass-Through Rate for REMIC I Regular Interest A and (y) with respect to the REMIC III Group II Regular Interests, a per annum rate equal to the weighted average of the Uncertificated REMIC II Pass-Through Rate for REMIC I Regular Interest B. Uninsured Cause: Any cause of damage to property subject to a Mortgage such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies. United States Person: A citizen or resident of the United States, a corporation, partnership or other entity (treated as a corporation or partnership for United States federal income tax purposes) 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 Treasury regulations) provided that, for purposes solely of the restrictions on the transfer of 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 that is described in Section 7701(a)(30)(D) of the Code, or a trust that is described in Section 7701(a)(30)(E) of the Code. VA: The Veterans Administration, or its successor. -- 56 Voting Rights: The portion of the voting rights of all of the Certificates which is allocated to any Certificate. 97.00% of all of the Voting Rights shall be allocated among Holders of the Class A Certificates and the Class M Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates; 1% and 1% of all of the Voting Rights shall be allocated among the Holders of the Class SB-I and Class SB-II Certificates, respectively; 0.25%, 0.25%, 0.25% and 0.25% of all of the Voting Rights shall be allocated among the Holders of the Class R-I, Class R-II, Class R-III and Class R-IV Certificates, respectively; in each case to be allocated among the Certificates of such Class in accordance with their respective Percentage Interest. Section 1.02. Determination of LIBOR. ---------------------- LIBOR applicable to the calculation of the Pass-Through Rate on the Class A-I-1, Class A-II and Class M-II Certificates for any Interest Accrual Period will be determined on each LIBOR Rate Adjustment Date. On each LIBOR Rate Adjustment Date, LIBOR shall be established by the Trustee and, as to any Interest Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 as of 11:00 a.m., London time, on such LIBOR Rate Adjustment Date. "Telerate Screen Page 3750" means the display designated as page 3750 on the Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, LIBOR shall be so established by use of such other service for displaying LIBOR or comparable rates as may be selected by the Trustee after consultation with the Master Servicer), the rate will be the Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis of the rates at which deposits in U.S. Dollars are offered by the reference banks (which shall be any three major banks that are engaged in transactions in the London interbank market, selected by the Trustee after consultation with the Master Servicer) as of 11:00 a.m., London time, on the LIBOR Rate Adjustment Date to prime banks in the London interbank market for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Class A-I-1, Class A-II and Class M-II Certificates then outstanding. The Trustee will request the principal London office of each of the reference banks to provide a quotation of its rate. If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If on such date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Class A-I-1, Class A-II and Class M-II Certificates then outstanding. If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date; provided however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall select an alternative comparable index (over which the Trustee has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Trustee's subsequent calculation of the Pass-Through Rate applicable to the Class A-I-1, Class A-II and Class M-II Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply the 57 Master Servicer with the results of its determination of LIBOR on such date. Furthermore, the Trustee will supply to any Certificateholder so calling the Trustee at 1-800-275-2048 and requesting the Pass-Through Rate on the Class A-I-1, Class A-II and Class M-II Certificates for the current and the immediately preceding Interest Accrual Period. 58 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. ---------------------------- (a) The Depositor, concurrently with the execution and delivery hereof, does hereby assign to the Trustee without recourse all the right, title and interest of the Depositor in and to (i) the Mortgage Loans, including all interest and principal received on or with respect to the Mortgage Loans after the Cut-off Date (other than payments of principal and interest due on the Mortgage Loans in the month of June 2004); (ii) the Reserve Fund Deposit; and (iii) all proceeds of the foregoing. The Depositor, the Master Servicer and the Trustee agree that it is not intended that any mortgage loan be included in the Trust that is either (i) a "High-Cost Home Loan" as defined in the New Jersey Home Ownership Act effective November 27, 2003 or (ii) a "High-Cost Home Loan" as defined in the New Mexico Home Loan Protection Act effective January 1, 2004. (b) In connection with such assignment, and contemporaneously with the delivery of this Agreement, except as set forth in Section 2.01(c) below, the Depositor does hereby deliver to, and deposit with, the Trustee, or to and with one or more Custodians, as the duly appointed agent or agents of the Trustee for such purpose, the following documents or instruments (or copies thereof as permitted by this Section) with respect to each Mortgage Loan so assigned: (i) The original Mortgage Note, endorsed without recourse to the order of the Trustee and showing an unbroken chain of endorsements from the originator thereof to the Person endorsing it to the Trustee, or with respect to any Destroyed Mortgage Note, an original lost note affidavit from the related Seller or Residential Funding stating that the original Mortgage Note was lost, misplaced or destroyed, together with a copy of the related Mortgage Note; (ii) The original 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, if the original Mortgage has not yet been returned from the public recording office, a copy of the original Mortgage with evidence of recording indicated thereon; (iii) Unless the Mortgage Loan is registered on the MERS(R) System, the Assignment (which may be included in one or more blanket assignments if permitted by applicable law) of the Mortgage to the Trustee with evidence of recording indicated thereon or a copy of such assignment with evidence of recording indicated thereon; (iv) The original recorded assignment or assignments of the Mortgage showing an unbroken chain of title from the originator to the Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS(R) System and noting the presence 59 of a MIN) with evidence of recordation noted thereon or attached thereto, or a copy of such assignment or assignments of the Mortgage with evidence of recording indicated thereon; (v) The original of each modification, assumption agreement or preferred loan agreement, if any, relating to such Mortgage Loan, or a copy of each modification, assumption agreement or preferred loan agreement. The Depositor may, in lieu of delivering the original of the documents set forth in Section 2.01(b)(ii), (iii), (iv) and (v) (or copies thereof as permitted by Section 2.01(b)) to the Trustee or the Custodian, deliver such documents to the Master Servicer, and the Master Servicer shall hold such documents in trust for the use and benefit of all present and future Certificateholders until such time as is set forth in the next sentence. Within thirty Business Days following the earlier of (i) the receipt of the original of all of the documents or instruments set forth in Section 2.01(b)(ii), (iii), (iv) and (v) (or copies thereof as permitted by such Section) for any Mortgage Loan and (ii) a written request by the Trustee to deliver those documents with respect to any or all of the Mortgage Loans then being held by the Master Servicer, the Master Servicer shall deliver a complete set of such documents to the Trustee or the Custodian that is the duly appointed agent of the Trustee. (c) In connection with any Mortgage Loan, if the Depositor cannot deliver the original of the Mortgage, any assignment, modification, assumption agreement or preferred loan agreement (or copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon concurrently with the execution and delivery of this Agreement because of (i) a delay caused by the public recording office where such Mortgage, assignment, modification, assumption agreement or preferred loan agreement as the case may be, has been delivered for recordation, or (ii) a delay in the receipt of certain information necessary to prepare the related assignments, the Depositor shall deliver or cause to be delivered to the Trustee or the respective Custodian a copy of such Mortgage, assignment, modification, assumption agreement or preferred loan agreement. The Depositor shall promptly cause to be recorded in the appropriate public office for real property records the Assignment referred to in clause(iii) of Section 2.01(b), except (a) in states where, in the Opinion of Counsel acceptable to the Trustee and the Master Servicer, such recording is not required to protect the Trustee's interests in the Mortgage Loan or (b) if MERS is identified on the Mortgage or on a properly recorded assignment of the Mortgage as the mortgagee of record solely as nominee for Residential Funding and its successors and assigns. If the Depositor delivers to the Trustee or Custodian any Mortgage Note or Assignment of Mortgage in blank, the Depositor shall, or shall cause the Custodian to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage in the name of the Trustee in conjunction with the Interim Certification issued by the Custodian, as contemplated by Section 2.02. Any of the items set forth in Sections 2.01(b)(ii), (iii), (iv) and (v) that may be delivered as a copy rather than the original may be delivered to the Trustee or the Custodian. In connection with the assignment of any Mortgage Loan registered on the MERS(R) System, the Depositor further agrees that it will cause, at the Depositor's own expense, within 30 days after the Closing Date, the MERS(R) System to indicate that such Mortgage Loans have been assigned by 60 the Depositor to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including (or deleting, in the case of Mortgage Loans which are repurchased in accordance with this Agreement) 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, 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. (d) It is intended that the conveyances by the Depositor to the Trustee of the Mortgage Loans as provided for in this Section 2.01 be construed as a sale by the Depositor to the Trustee of the Mortgage Loans for the benefit of the Certificateholders. Further, it is not intended that any such conveyance be deemed to be a pledge of the Mortgage Loans by the Depositor to the Trustee to secure a debt or other obligation of the Depositor. However, in the event that the Mortgage Loans are held to be property of the Depositor or of Residential Funding, or if for any reason this Agreement is held or deemed to create a security interest in the Mortgage Loans, then it is intended that (a) this Agreement shall also be deemed to be a security agreement within the meaning of Articles 8 and 9 of the New York Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction; (b) the conveyances provided for in this Section 2.01 shall be deemed to be (1) a grant by the Depositor to the Trustee of a security interest in all of the Depositor's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to (A) the Mortgage Loans, including the related Mortgage Note and Mortgage, and any insurance policies and all other documents in the related Mortgage File, (B) all amounts payable pursuant to the Mortgage Loans in accordance with the terms thereof and (C) any and all general intangibles consisting of, arising from or relating to any of the foregoing, and all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts from time to time held or invested in the Certificate Account or the Custodial Account, whether in the form of cash, instruments, securities or other property and (2) an assignment by the Depositor to the Trustee of any security interest in any and all of Residential Funding's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to the property described in the foregoing clauses (1)(A), (B) and (C) granted by Residential Funding to the Depositor pursuant to the Assignment Agreement; (c) the possession by the Trustee, the Custodian or any other agent of the Trustee of Mortgage Notes or such other items of property as constitute instruments, money, negotiable documents or chattel paper shall be deemed to be "possession by the secured party," or possession by a purchaser or a person designated by such secured party, for purposes of perfecting the security interest pursuant to the Uniform Commercial Code as in effect in the States of New York and Minnesota and any other applicable jurisdiction; and (d) notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from, financial intermediaries, bailees or agents (as applicable) of the Trustee for the purpose of perfecting such security interest under applicable law. The Depositor and, at the Depositor's direction, Residential Funding and the Trustee shall, to the extent consistent with this Agreement, take such reasonable actions as may be necessary to 61 ensure that, if this Agreement were deemed to create a security interest in the Mortgage Loans and the other property described above, such security interest would be deemed to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement. Without limiting the generality of the foregoing, the Depositor shall prepare and deliver to the Trustee not less than 15 days prior to any filing date and, the Trustee shall forward for filing, or shall cause to be forwarded for filing, at the expense of the Depositor, all filings necessary to maintain the effectiveness of any original filings necessary under the Uniform Commercial Code as in effect in any jurisdiction to perfect the Trustee's security interest in or lien on the Mortgage Loans as evidenced by an Officers' Certificate of the Depositor, including without limitation (x) continuation statements, and (y) such other statements as may be occasioned by (1) any change of name of Residential Funding, the Depositor or the Trustee (such preparation and filing shall be at the expense of the Trustee, if occasioned by a change in the Trustee's name), (2) any change of location of the place of business or the chief executive office of Residential Funding or the Depositor or (3) any transfer of any interest of Residential Funding or the Depositor in any Mortgage Loan. Section 2.02. Acceptance by Trustee. --------------------- The Trustee acknowledges receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(b)(i) above (except that for purposes of such acknowledgment only, a Mortgage Note may be endorsed in blank and an Assignment of Mortgage may be in blank) and declares that it, or a Custodian as its agent, holds and will hold such documents and the other documents constituting a part of the Mortgage Files delivered to it, or a Custodian as its agent, in trust for the use and benefit of all present and future Certificateholders. The Trustee or Custodian (such Custodian being so obligated under a Custodial Agreement) agrees, for the benefit of Certificateholders, to review each Mortgage File delivered to it pursuant to Section 2.01(b) within 45 days after the Closing Date to ascertain that all required documents (specifically as set forth in Section 2.01(b)), have been executed and received, and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to the Trustee a certificate (the "Interim Certification") to the effect that all documents required to be delivered pursuant to Section 2.01(b) above have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, except for any exceptions listed on Schedule A attached to such Interim Certification. Upon delivery of the Mortgage Files by the Depositor or the Master Servicer, the Trustee shall acknowledge receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification (the "Final Certification") executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(c) above. If the Custodian, as the Trustee's agent, finds any document or documents constituting a part of a Mortgage File to be missing or defective, the Trustee shall promptly so notify the Master Servicer and the Depositor; provided, that if the Mortgage Loan related to such Mortgage File is listed on Schedule A of the Assignment Agreement, no notification shall be necessary. Pursuant to Section 2.3 of the Custodial Agreement, the Custodian will notify the Master Servicer, the Depositor and the Trustee of any such omission or defect found by it in respect of any Mortgage File held by it. If such omission or defect materially and adversely affects the interests in the related Mortgage Loan of the Certificateholders, the Master Servicer shall promptly notify the related Subservicer of 62 such omission or defect and request that such Subservicer correct or cure such omission or defect within 60 days from the date the Master Servicer was notified of such omission or defect and, if such Subservicer does not correct or cure such omission or defect within such period, that such Subservicer purchase such Mortgage Loan from the Trust Fund at its Purchase Price, in either case within 90 days from the date the Master Servicer was notified of such omission or defect; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered; and provided further, that no cure, substitution or repurchase shall be required if such omission or defect is in respect of a Mortgage Loan listed on Schedule A of the Assignment Agreement. The Purchase Price for any such Mortgage Loan shall be deposited or caused to be deposited by the Master Servicer in the Custodial Account maintained by it pursuant to Section 3.07 and, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Subservicer or its designee, as the case may be, any Mortgage Loan released pursuant hereto and thereafter such Mortgage Loan shall not be part of the Trust Fund. In furtherance of the foregoing, if the Subservicer or Residential Funding that repurchases the Mortgage Loan is not a member of MERS and the Mortgage is registered on the MERS(R) System, the Master Servicer, 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 such Subservicer or Residential Funding and shall cause such Mortgage to be removed from registration on the MERS(R) System in accordance with MERS' rules and regulations. It is understood and agreed that the obligation of the Subservicer, to so cure or purchase any Mortgage Loan as to which a material and adverse defect in or omission of a constituent document exists shall constitute the sole remedy respecting such defect or omission available to Certificateholders or the Trustee on behalf of Certificateholders. Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Depositor. (a) The Master Servicer hereby represents and warrants to the Trustee for the benefit of the Certificateholders that: (i) The Master Servicer is a corporation duly organized, validly existing and in good standing under the laws governing its creation and existence and is or will be in compliance with the laws of each state in which any Mortgaged Property is located to the extent necessary to ensure the enforceability of each Mortgage Loan in accordance with the terms of this Agreement; (ii) The execution and delivery of this Agreement by the Master Servicer and its performance and compliance with the terms of this Agreement will not violate the Master Servicer's Certificate of Incorporation or Bylaws or constitute a material default (or an event which, with notice or lapse of time, or both, would constitute a material default) under, or result in the material breach of, any material contract, agreement or other instrument to which 63 the Master Servicer is a party or which may be applicable to the Master Servicer or any of its assets; (iii) This Agreement, assuming due authorization, execution and delivery by the Trustee and the Depositor, constitutes a valid, legal and binding obligation of the Master Servicer, enforceable against it in accordance with the terms hereof subject to applicable bankruptcy, insolvency, reorganization, moratorium and other laws affecting the enforcement of creditors' rights generally and to general principles of equity, regardless of whether such enforcement is considered in a proceeding in equity or at law; (iv) The Master Servicer is not in default with respect to any order or decree of any court or any order, regulation or demand of any federal, state, municipal or governmental agency, which default might have consequences that would materially and adversely affect the condition (financial or other) or operations of the Master Servicer or its properties or might have consequences that would materially adversely affect its performance hereunder; (v) No litigation is pending or, to the best of the Master Servicer's knowledge, threatened against the Master Servicer which would prohibit its entering into this Agreement or performing its obligations under this Agreement; (vi) The Master Servicer will comply in all material respects in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Required Insurance Policy; (vii) No information, certificate of an officer, statement furnished in writing or report delivered to the Depositor, any Affiliate of the Depositor or the Trustee by the Master Servicer will, to the knowledge of the Master Servicer, contain any untrue statement of a material fact or omit a material fact necessary to make the information, certificate, statement or report not misleading; (viii) The Master Servicer has examined each existing, and will examine each new, Subservicing Agreement and is or will be familiar with the terms thereof. The terms of each existing Subservicing Agreement and each designated Subservicer are acceptable to the Master Servicer and any new Subservicing Agreements will comply with the provisions of Section 3.02; and (ix) The Master Servicer 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 and warranties set forth in this Section 2.03(a) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by either the Depositor, the Master Servicer, the Trustee or any Custodian of a breach of any representation or warranty set forth in this Section 2.03(a) which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial 64 Agreement). Within 90 days of its discovery or its receipt of notice of such breach, the Master Servicer shall either (i) cure such breach in all material respects or (ii) to the extent that such breach is with respect to a Mortgage Loan or a related document, purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. The obligation of the Master Servicer to cure such breach or to so purchase such Mortgage Loan shall constitute the sole remedy in respect of a breach of a representation and warranty set forth in this Section 2.03(a) available to the Certificateholders or the Trustee on behalf of the Certificateholders. (b) The Depositor hereby represents and warrants to the Trustee for the benefit of the Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) The information set forth in Exhibit F-1, Exhibit F-2 and Exhibit F-3 hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the respective date or dates which such information is furnished; (ii) Immediately prior to the conveyance of the Mortgage Loans to the Trustee, the Depositor had good title to, and was the sole owner of, each Mortgage Loan free and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such conveyance validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; and (iii) Each Mortgage Loan constitutes a qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1). It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Depositor, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the event of a breach of the representation and warranty set forth in Section 2.03(b)(iii), the party discovering such breach shall give such notice within five days of discovery. Within 90 days of its discovery or its receipt of notice of breach, the Depositor shall either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that the Depositor shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure, substitution or repurchase must occur within 90 days from the date such breach was discovered. Any such substitution shall be effected by the Depositor under the same terms and conditions as provided in Section 2.04 for substitutions by Residential Funding. It is understood and agreed that the obligation of the Depositor to cure such breach or to so purchase or substitute for any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Depositor shall not be required to cure breaches or purchase or 65 substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Residential Funding. ----------------------------------------------------- The Depositor, as assignee of Residential Funding under the Assignment Agreement, hereby assigns to the Trustee for the benefit of the Certificateholders all of its right, title and interest in respect of the Assignment Agreement applicable to a Mortgage Loan. Insofar as the Assignment Agreement relates to the representations and warranties made by Residential Funding in respect of such Mortgage Loan and any remedies provided thereunder for any breach of such representations and warranties, such right, title and interest may be enforced by the Master Servicer on behalf of the Trustee and the Certificateholders. Upon the discovery by the Depositor, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties made in the Assignment Agreement in respect of any Mortgage Loan or of any Repurchase Event which materially and adversely affects the interests of the Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). The Master Servicer shall promptly notify Residential Funding of such breach or Repurchase Event and request that Residential Funding either (i) cure such breach or Repurchase Event in all material respects within 90 days from the date the Master Servicer was notified of such breach or Repurchase Event or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that, in the case of a breach or Repurchase Event under the Assignment Agreement, Residential Funding shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the breach would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or substitution must occur within 90 days from the date the breach was discovered. If the breach of representation and warranty that gave rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to Section 4 of the Assignment Agreement was the representation and warranty set forth in clause (bb) of Section 4 thereof, then the Master Servicer shall request that Residential Funding pay to the Trust Fund, concurrently with and in addition to the remedies provided in the preceding sentence, an amount equal to any liability, penalty or expense that was actually incurred and paid out of or on behalf of the Trust Fund, and that directly resulted from such breach, or if incurred and paid by the Trust Fund thereafter, concurrently with such payment. In the event that Residential Funding elects to substitute a Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 2.04, Residential Funding shall deliver to the Trustee for the benefit of the Certificateholders with respect to such Qualified Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage in recordable form, and such other documents and agreements as are required by Section 2.01, with the Mortgage Note endorsed as required by Section 2.01. No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution shall not be part of the Trust Fund and will be retained by the Master Servicer and remitted by the Master Servicer to Residential Funding on the next succeeding Distribution Date. For the month of substitution, distributions to the Certificateholders will include the Monthly Payment due on a Deleted Mortgage 66 Loan for such month and thereafter Residential Funding shall be entitled to retain all amounts received in respect of such Deleted Mortgage Loan. The Master Servicer shall amend or cause to be amended the Mortgage Loan Schedule for the benefit of the Certificateholders to reflect the removal of such Deleted Mortgage Loan and the substitution of the Qualified Substitute Mortgage Loan or Loans and the Master Servicer shall deliver the amended Mortgage Loan Schedule to the Trustee and the Custodian. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement and the related Subservicing Agreement in all respects, and Residential Funding shall be deemed to have made the representations and warranties with respect to the Qualified Substitute Mortgage Loan contained in Section 4 of the Assignment Agreement, as of the date of substitution, and the covenants, representations and warranties set forth in this Section 2.04, and in Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master Servicer shall be obligated to repurchase or substitute for any Qualified Substitute Mortgage Loan as to which a Repurchase Event (as defined in the Assignment Agreement) has occurred pursuant to Section 4 of the Assignment Agreement. In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (if any) by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Certificateholders in the month of substitution). Residential Funding shall deposit the amount of such shortfall into the Custodial Account on the day of substitution, without any reimbursement therefor. Residential Funding shall give notice in writing to the Trustee of such event, which notice shall be accompanied by an Officers' Certificate as to the calculation of such shortfall and by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on the Trust Fund, 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 portion of REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as a REMIC at any time that any Certificate is outstanding. It is understood and agreed that the obligation of Residential Funding to cure such breach or purchase (or in the case of Residential Funding to substitute for) such Mortgage Loan as to which such a breach has occurred and is continuing and to make any additional payments required under the Assignment Agreement in connection with a breach of the representation and warranty in clause (bb) of Section 4 thereof shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. If the Master Servicer is Residential Funding, then the Trustee shall also have the right to give the notification and require the purchase or substitution provided for in the second preceding paragraph in the event of such a breach of a representation or warranty made by Residential Funding in the Assignment Agreement. In connection with the purchase of or substitution for any such Mortgage Loan by Residential Funding, the Trustee shall assign to Residential Funding all of the right, title and interest in respect of the Assignment Agreement applicable to such Mortgage Loan. Section 2.05. Execution and Authentication of Certificates; Conveyance of Uncertificated REMIC Regular Interests. 67 (a) The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to any exceptions noted, together with the assignment to it of all other assets included in the Trust Fund, receipt of which is hereby acknowledged. Concurrently with such delivery and in exchange therefor, the Trustee, pursuant to the written request of the Depositor executed by an officer of the Depositor, has executed and caused to be authenticated and delivered to or upon the order of the Depositor the Certificates in authorized denominations which evidence ownership of the entire Trust Fund. (b) The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Depositor in and to the REMIC I Regular Interest and the REMIC II Regular Interest for the benefit of the holders of the REMIC III Regular Interests and the Class R-III Certificates. The Trustee acknowledges receipt of the REMIC I Regular Interest and the REMIC II Regular Interest (which are uncertificated) and declares that it holds and will hold the same in trust for the exclusive use and benefit of the holders of the REMIC III Regular Interests and the Class R- III Certificates. The interests evidenced by the Class R-III Certificates, together with the REMIC III Regular Interests, constitute the entire beneficial ownership interest in REMIC III. (c) The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Depositor in and to the REMIC III Regular Interests for the benefit of the holders of the Regular Certificates and the Class R-IV Certificates. The Trustee acknowledges receipt of the REMIC III Regular Interests (which are uncertificated) and declares that it holds and will hold the same in trust for the exclusive use and benefit of the holders of the Regular Certificates and the Class R-IV Certificates. The interests evidenced by the Class R-IV Certificates, together with the Regular Certificates, constitute the entire beneficial ownership interest in REMIC IV. (d) In exchange for the REMIC III Regular Interests and, concurrently with the assignment to the Trustee thereof, pursuant to the written request of the Depositor executed by an officer of the Depositor, the Trustee has executed, authenticated and delivered to or upon the order of the Depositor, the Regular Certificates in authorized denominations evidencing (together with the Class R-IV Certificates) the entire beneficial ownership interest in REMIC IV. 68 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer. ---------------------------------- (a) The Master Servicer shall service and administer the Mortgage Loans in accordance with the terms of this Agreement and the respective Mortgage Loans, following such procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities, and shall have full power and authority, acting alone or through Subservicers as provided in Section 3.02, to do any and all things which it may deem necessary or desirable in connection with such servicing and administration. Without limiting the generality of the foregoing, the Master Servicer in its own name or in the name of a Subservicer is hereby authorized and empowered by the Trustee when the Master Servicer or the Subservicer, as the case may be, believes it appropriate in its best judgment, to execute and deliver, on behalf of the Certificateholders and the Trustee or any of them, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, or of consent to assumption or modification in connection with a proposed conveyance, or of assignment of any Mortgage and Mortgage Note in connection with the repurchase of a Mortgage Loan and all other comparable instruments, or with respect to the modification or re-recording of a Mortgage for the purpose of correcting the Mortgage, the subordination of the lien of the Mortgage in favor of a public utility company or government agency or unit with powers of eminent domain, the taking of a deed in lieu of foreclosure, the completion of judicial or non-judicial foreclosure, the conveyance of a Mortgaged Property to the related insurer, the acquisition of any property acquired by foreclosure or deed in lieu of foreclosure, or the management, marketing and conveyance of any property acquired by foreclosure or deed in lieu of foreclosure with respect to the Mortgage Loans and with respect to the Mortgaged Properties. 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 Subservicer, when the Master Servicer or the Subservicer, as the case may be, believes it is appropriate in its best judgment to register any Mortgage Loan on the MERS(R) System, or cause the removal from the registration of any Mortgage Loan on the MERS(R) 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 expenses incurred in connection with the actions described in the preceding sentence shall be borne by the Master Servicer in accordance with Section 3.16(c), with no right of reimbursement; provided, that if, as a result of MERS discontinuing or becoming unable to continue operations in connection with the MERS(R) System, it becomes necessary to remove any Mortgage Loan from registration on the MERS(R) System and to arrange for the assignment of the related Mortgages to the Trustee, then any related expenses shall be reimbursable to the Master Servicer from the Trust Fund. Notwithstanding the foregoing, subject to Section 3.07(a), the Master Servicer shall not permit any modification with respect to any Mortgage Loan that would both constitute a sale or exchange of such Mortgage Loan within the meaning of Section 1001 of the Code and any proposed, temporary or final regulations promulgated thereunder (other than in connection with a proposed conveyance or assumption of such Mortgage Loan that is treated as a Principal Prepayment in Full pursuant to Section 3.13(d) hereof) and cause any of REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as a REMIC under 69 the Code. The Trustee shall furnish the Master Servicer with any powers of attorney and other documents necessary or appropriate to enable the Master Servicer to service and administer the Mortgage Loans. The Trustee shall not be liable for any action taken by the Master Servicer or any Subservicer pursuant to such powers of attorney. In servicing and administering any Nonsubserviced Mortgage Loan, the Master Servicer shall, to the extent not inconsistent with this Agreement, comply with the Program Guide as if it were the originator of such Mortgage Loan and had retained the servicing rights and obligations in respect thereof. In connection with servicing and administering the Mortgage Loans, the Master Servicer and any Affiliate of the Master Servicer (i) may perform services such as appraisals and brokerage services that are customarily provided by Persons other than servicers of mortgage loans, and shall be entitled to reasonable compensation therefor in accordance with Section 3.10 and (ii) may, at its own discretion and on behalf of the Trustee, obtain credit information in the form of a "credit score" from a credit repository. (b) All costs incurred by the Master Servicer or by Subservicers in effecting the timely payment of taxes and assessments on the properties subject to the Mortgage Loans shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loan so permit, and such costs shall be recoverable to the extent permitted by Section 3.10(a)(ii). (c) The Master Servicer may enter into one or more agreements in connection with the offering of pass-through certificates evidencing interests in one or more of the Certificates providing for the payment by the Master Servicer of amounts received by the Master Servicer as servicing compensation hereunder and required to cover certain Prepayment Interest Shortfalls on the Mortgage Loans, which payment obligation will thereafter be an obligation of the Master Servicer hereunder. Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' Obligations. (a) The Master Servicer may continue in effect Subservicing Agreements entered into by Residential Funding and Subservicers prior to the execution and delivery of this Agreement, and may enter into new Subservicing Agreements with Subservicers, for the servicing and administration of all or some of the Mortgage Loans. Each Subservicer shall be either (i) an institution the accounts of which are insured by the FDIC or (ii) another entity that engages in the business of originating or servicing mortgage loans, and in either case shall be authorized to transact business in the state or states in which the related Mortgaged Properties it is to service are situated, if and to the extent required by applicable law to enable the Subservicer to perform its obligations hereunder and under the Subservicing Agreement, and in either case shall be a Freddie Mac, Fannie Mae or HUD approved mortgage servicer. In addition, any Subservicer of a Mortgage Loan insured by the FHA must be an FHA-approved servicer, and any Subservicer of a Mortgage Loan guaranteed by the VA must be a VA-approved servicer. Each Subservicer of a Mortgage Loan shall be entitled to receive and retain, as provided in the related Subservicing Agreement and in Section 3.07, the related Subservicing Fee from payments of interest received on such Mortgage Loan after payment of all amounts required to be remitted to the Master Servicer in respect of such Mortgage Loan. For any Mortgage Loan that is a Nonsubserviced Mortgage Loan, the Master Servicer shall be entitled to receive and retain an amount equal to the Subservicing Fee from payments of interest. Unless the 70 context otherwise requires, references in this Agreement to actions taken or to be taken by the Master Servicer in servicing the Mortgage Loans include actions taken or to be taken by a Subservicer on behalf of the Master Servicer. Each Subservicing Agreement will be upon such terms and conditions as are generally required by, permitted by or consistent with the Program Guide and are not inconsistent with this Agreement and as the Master Servicer and the Subservicer have agreed. With the approval of the Master Servicer, a Subservicer may delegate its servicing obligations to third- party servicers, but such Subservicer will remain obligated under the related Subservicing Agreement. The Master Servicer and a Subservicer may enter into amendments thereto or a different form of Subservicing Agreement, and the form referred to or included in the Program Guide is merely provided for information and shall not be deemed to limit in any respect the discretion of the Master Servicer to modify or enter into different Subservicing Agreements; provided, however, that any such amendments or different forms shall be consistent with and not violate the provisions of either this Agreement or the Program Guide in a manner which would materially and adversely affect the interests of the Certificateholders. The Program Guide and any other Subservicing Agreement entered into between the Master Servicer and any Subservicer shall require the Subservicer to accurately and fully report its borrower credit files to each of the Credit Repositories in a timely manner. (b) As part of its servicing activities hereunder, the Master Servicer, for the benefit of the Trustee and the Certificateholders, shall use its best reasonable efforts to enforce the obligations of each Subservicer under the related Subservicing Agreement, to the extent that the non-performance of any such obligation would have a material and adverse effect on a Mortgage Loan, including, without limitation, the obligation to purchase a Mortgage Loan on account of defective documentation, as described in Section 2.02, or on account of a breach of a representation or warranty, as described in Section 2.04. Such enforcement, including, without limitation, the legal prosecution of claims, termination of Subservicing Agreements, as appropriate, 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 would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. 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 Loan 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 Subservicers. The Master Servicer shall be entitled to terminate any Subservicing Agreement that may exist in accordance with the terms and conditions of such Subservicing Agreement and without any limitation by virtue of this Agreement; provided, however, that in the event of termination of any Subservicing Agreement by the Master Servicer or the Subservicer, the Master Servicer shall either act as servicer of the related Mortgage Loan or enter into a Subservicing Agreement with a successor Subservicer which will be bound by the terms of the related Subservicing Agreement. If the Master Servicer or any Affiliate of Residential Funding acts as servicer, it will not assume liability for the representations and warranties of the Subservicer which it replaces. If the Master Servicer enters into a Subservicing Agreement with a successor Subservicer, the Master Servicer shall use reasonable efforts to have the successor Subservicer assume liability for the representations and warranties made 71 by the terminated Subservicer in respect of the related Mortgage Loans and, in the event of any such assumption by the successor Subservicer, the Master Servicer may, in the exercise of its business judgment, release the terminated Subservicer from liability for such representations and warranties. Section 3.04. Liability of the Master Servicer. -------------------------------- Notwithstanding any Subservicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Master Servicer or a Subservicer or reference to actions taken through a Subservicer or otherwise, the Master Servicer shall remain obligated and liable to the Trustee and 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 Subservicing Agreements or arrangements or by virtue of indemnification from the Subservicer or the Depositor 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 Subservicer for indemnification of the Master Servicer and nothing contained in this Agreement shall be deemed to limit or modify such indemnification. Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. Any Subservicing Agreement that may be entered into and any other transactions or services relating to the Mortgage Loans involving a Subservicer in its capacity as such and not as an originator shall be deemed to be between the Subservicer and the Master Servicer alone and the Trustee and Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Subservicer in its capacity as such except as set forth in Section 3.06. The foregoing provision shall not in any way limit a Subservicer's obligation to cure an omission or defect or to repurchase a Mortgage Loan as referred to in Section 2.02 hereof. Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (a) In the event the Master Servicer shall for any reason no longer be the master servicer (including by reason of an Event of Default), the Trustee, its designee or its successor shall thereupon assume all of the rights and obligations of the Master Servicer under each Subservicing Agreement that may have been entered into. The Trustee, its designee or the successor servicer for the Trustee shall be deemed to have assumed all of the Master Servicer's interest therein and to have replaced the Master Servicer as a party to the Subservicing Agreement to the same extent as if the Subservicing Agreement had been assigned to the assuming party except that the Master Servicer shall not thereby be relieved of any liability or obligations under the Subservicing Agreement. (b) The Master Servicer shall, upon request of the Trustee but at the expense of the Master Servicer, deliver to the assuming party all documents and records relating to each Subservicing Agreement and the Mortgage Loans then being serviced and an accounting of amounts collected and held by it and otherwise use its best efforts to effect the orderly and efficient transfer of each Subservicing Agreement to the assuming party. 72 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account. (a) 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 Insurance Policy, follow such collection procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. Consistent with the foregoing, the Master Servicer may in its discretion (i) waive any late payment charge or any prepayment charge or penalty interest in connection with the prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due on a Mortgage Loan in accordance with the Program Guide, provided, however, that the Master Servicer shall first determine that any such waiver or extension will not impair the coverage of any related Primary Insurance Policy or materially adversely affect the lien of the related Mortgage. Notwithstanding anything in this Section to the contrary, the Master Servicer or any Subservicer shall not enforce any prepayment charge to the extent that such enforcement would violate any applicable law. In the event of any such arrangement, the Master Servicer shall make timely advances on the related Mortgage Loan during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements unless otherwise agreed to by the Holders of the Classes of Certificates affected thereby; provided, however, that no such extension shall be made if any advance would be a Nonrecoverable Advance. Consistent with the terms of this Agreement, the Master Servicer may also waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the 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), provided, however, that the Master Servicer may not modify materially or permit any Subservicer to modify any Mortgage Loan, including without limitation any modification that would change the Mortgage Rate, forgive the payment of any principal or interest (unless in connection with the liquidation of the related Mortgage Loan or except in connection with prepayments to the extent that such reamortization is not inconsistent with the terms of the Mortgage Loan), capitalize any amounts owing on the Mortgage Loan by adding such amount to the outstanding principal balance of the Mortgage Loan, or extend the final maturity date of such Mortgage Loan, unless such Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable. For purposes of delinquency calculations, any capitalized Mortgage Loan shall be deemed to be current as of the date of the related Servicing Modification. No such modification shall reduce the Mortgage Rate (i) with respect to a fixed rate Mortgage Loan, (A) below one-half of the Mortgage Rate as in effect on the Cut-off Date or (B) below the sum of the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrue or (ii) with respect to an adjustable rate Mortgage Loan, (A) below the greater of (1) one-half of the Mortgage Rate as in effect on the Cut-off Date and (2) one-half of the Mortgage Rate as in effect on the date of the Servicing Modification or (B) below the sum of the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrue. The final maturity date for any Mortgage Loan shall not be extended beyond the Maturity Date. Also, the Stated Principal Balance of all Reportable Modified Mortgage Loans subject to Servicing Modifications (measured at the time of the Servicing Modification and after giving effect to any Servicing Modification) can be no more than five percent of the aggregate Cut- off Date Principal Balance of the Mortgage Loans, unless such limit is increased from time to time with the consent of the Rating Agencies. In addition, any amounts owing on a Mortgage Loan added to the outstanding principal balance of such Mortgage Loan must be fully amortized over the term of such Mortgage Loan, and such amounts may be added to the outstanding principal balance of a Mortgage Loan only once during the life of such Mortgage Loan. Also, the addition of such amounts described in the preceding sentence shall be implemented in accordance with the Program Guide and may be implemented only by Subservicers that have been approved by the Master Servicer for such purpose. In connection with any Curtailment of a Mortgage Loan, the Master Servicer, to the extent not inconsistent with the terms of the Mortgage Note and local law and practice, may permit the Mortgage Loan to be re-amortized such that the Monthly Payment is recalculated as an amount that will fully amortize the remaining Stated Principal Amount thereof by the original Maturity Date based on the original Mortgage Rate; provided, that such reamortization shall not be permitted if it would constitute a reissuance of the Mortgage Loan for federal income tax purposes. (b) The Master Servicer shall establish and maintain a Custodial Account in which the Master Servicer shall deposit or cause to be deposited on a daily basis, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by it in respect of the Mortgage Loans subsequent to the Cut-off Date (other than in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date): (i) All payments on account of principal, including Principal Prepayments made by Mortgagors on the Mortgage Loans and the principal component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (ii) All payments on account of interest at the Adjusted Mortgage Rate on the Mortgage Loans, including the interest component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (iii) Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (net of any related expenses of the Subservicer); (iv) All proceeds of any Mortgage Loans purchased pursuant to Section 2.02, 2.03, 2.04, 4.07 or 4.08 and all amounts required to be deposited in connection with the substitution of a Qualified Substitute Mortgage Loan pursuant to Section 2.03 or 2.04; and (v) Any amounts required to be deposited pursuant to Section 3.07(c) and any payments or collections received consisting of prepayment charges. The foregoing requirements for deposit in the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments on the Mortgage Loans which are not part of the Trust Fund (consisting of payments in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date) and payments or collections consisting of late payment charges or assumption fees may but need not be deposited by the Master Servicer in the Custodial Account. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Master Servicer may at any time withdraw such amount from 73 the Custodial Account, any provision herein to the contrary notwithstanding. The Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Master Servicer or serviced or master serviced by it on behalf of others. Notwithstanding such commingling of funds, the Master Servicer shall keep records that accurately reflect the funds on deposit in the Custodial Account that have been identified by it as being attributable to the Mortgage Loans. With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds, Subsequent Recoveries and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02, 2.03, 2.04, 4.07 and 4.08 received in any calendar month, the Master Servicer may elect to treat such amounts as included in the related Group I or Group II Available Distribution Amount for the Distribution Date in the month of receipt, but is not obligated to do so. If the Master Servicer so elects, such amounts will be deemed to have been received (and any related Realized Loss shall be deemed to have occurred) on the last day of the month prior to the receipt thereof. (c) The Master Servicer shall use its best efforts to cause the institution maintaining the Custodial Account to invest the funds in the Custodial Account attributable to the Mortgage Loans in Permitted Investments which shall mature not later than the Certificate Account Deposit Date next following the date of such investment (with the exception of the Amount Held for Future Distribution) and which shall not be sold or disposed of prior to their maturities. All income and gain realized from any such investment shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments attributable to the investment of amounts in respect of the Mortgage Loans shall be deposited in the Custodial Account by the Master Servicer out of its own funds immediately as realized. (d) The Master Servicer shall give written notice to the Trustee and the Depositor of any change in the location of the Custodial Account and the location of the Certificate Account prior to the use thereof. Section 3.08. Subservicing Accounts; Servicing Accounts. ----------------------------------------- (a) In those cases where a Subservicer is servicing a Mortgage Loan pursuant to a Subservicing Agreement, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to establish and maintain one or more Subservicing Accounts which shall be an Eligible Account or, if such account is not an Eligible Account, shall generally satisfy the requirements of the Program Guide and be otherwise acceptable to the Master Servicer and each Rating Agency. The Subservicer will be required thereby to deposit into the Subservicing Account on a daily basis all proceeds of Mortgage Loans received by the Subservicer, less its Subservicing Fees and unreimbursed advances and expenses, to the extent permitted by the Subservicing Agreement. If the Subservicing Account is not an Eligible Account, the Master Servicer shall be deemed to have received such monies upon receipt thereof by the Subservicer. The Subservicer shall not be required to deposit in the Subservicing Account payments or collections consisting of late charges or assumption fees, or payments or collections received consisting of prepayment charges to the extent that the Subservicer is entitled to retain such amounts pursuant to the Subservicing Agreement. On or before the date specified in the Program Guide, but in no event later than the Determination Date, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing 74 Agreement, to remit to the Master Servicer for deposit in the Custodial Account all funds held in the Subservicing Account with respect to each Mortgage Loan serviced by such Subservicer that are required to be remitted to the Master Servicer. The Subservicer will also be required, pursuant to the Subservicing Agreement, to advance on such scheduled date of remittance amounts equal to any scheduled monthly installments of principal and interest less its Subservicing Fees on any Mortgage Loans for which payment was not received by the Subservicer. This obligation to advance with respect to each Mortgage Loan will continue up to and including the first of the month following the date on which the related Mortgaged Property is sold at a foreclosure sale or is acquired by the Trust Fund by deed in lieu of foreclosure or otherwise. All such advances received by the Master Servicer shall be deposited promptly by it in the Custodial Account. (b) The Subservicer may also be required, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee accrues in the case of a Modified Mortgage Loan) on any Curtailment received by such Subservicer in respect of a Mortgage Loan from the related Mortgagor during any month that is to be applied by the Subservicer to reduce the unpaid principal balance of the related Mortgage Loan as of the first day of such month, from the date of application of such Curtailment to the first day of the following month. Any amounts paid by a Subservicer pursuant to the preceding sentence shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v). (c) In addition to the Custodial Account and the Certificate Account, the Master Servicer shall for any Nonsubserviced Mortgage Loan, and shall cause the Subservicers for Subserviced Mortgage Loans to, establish and maintain one or more Servicing Accounts and deposit and retain therein all collections from the Mortgagors (or advances from Subservicers) for the payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items for the account of the Mortgagors. Each Servicing Account shall satisfy the requirements for a Subservicing Account and, to the extent permitted by the Program Guide or as is otherwise acceptable to the Master Servicer, may also function as a Subservicing Account. Withdrawals of amounts related to the Mortgage Loans from the Servicing Accounts may be made only to effect timely payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items, to reimburse the Master Servicer or Subservicer out of related collections for any payments made pursuant to Sections 3.11 (with respect to the Primary Insurance Policy) and 3.12(a) (with respect to hazard insurance), to refund to any Mortgagors any sums as may be determined to be overages, to pay interest, if required, to Mortgagors on balances in the Servicing Account or to clear and terminate the Servicing Account at the termination of this Agreement in accordance with Section 9.01 or in accordance with the Program Guide. As part of its servicing duties, the Master Servicer shall, and the Subservicers will, pursuant to the Subservicing Agreements, be required to pay to the Mortgagors interest on funds in this account to the extent required by law. (d) The Master Servicer shall advance the payments referred to in the preceding subsection that are not timely paid by the Mortgagors or advanced by the Subservicers on the date when the tax, premium or other cost for which such payment is intended is due, but the Master Servicer shall be required so to advance only to the extent that such advances, in the good faith 75 judgment of the Master Servicer, will be recoverable by the Master Servicer out of Insurance Proceeds, Liquidation Proceeds or otherwise. Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. In the event that compliance with this Section 3.09 shall make any Class of Certificates legal for investment by federally insured savings and loan associations, the Master Servicer shall provide, or cause the Subservicers to provide, to the Trustee, the Office of Thrift Supervision or the FDIC and the supervisory agents and examiners thereof access to the documentation regarding the Mortgage Loans required by applicable regulations of the Office of Thrift Supervision, such access being afforded without charge but only upon reasonable request and during normal business hours at the offices designated by the Master Servicer. The Master Servicer shall permit such representatives to photocopy any such documentation and shall provide equipment for that purpose at a charge reasonably approximating the cost of such photocopying to the Master Servicer. Section 3.10. Permitted Withdrawals from the Custodial Account. (a) The Master Servicer may, from time to time as provided herein, make withdrawals from the Custodial Account of amounts on deposit therein pursuant to Section 3.07 that are attributable to the Mortgage Loans for the following purposes: (i) to remit to the Trustee for deposit into the Certificate Account in the amounts and in the manner provided for in Section 4.01; (ii) to reimburse itself or the related Subservicer for previously unreimbursed Advances, Servicing Advances or other expenses made pursuant to Sections 3.01, 3.08, 3.12(a), 3.14 and 4.04 or otherwise reimbursable pursuant to the terms of this Agreement, such withdrawal right being limited to amounts received on the related Mortgage Loans (including, for this purpose, REO Proceeds, Insurance Proceeds, Liquidation Proceeds and proceeds from the purchase of a Mortgage Loan pursuant to Section 2.02, 2.03, 2.04, 4.07 or 4.08) which represent (A) Late Collections of Monthly Payments for which any such advance was made in the case of Subservicer Advances or Advances pursuant to Section 4.04 and (B) late recoveries of the payments for which such advances were made in the case of Servicing Advances; (iii) to pay to itself or the related Subservicer (if not previously retained by such Subservicer) out of each payment received by the Master Servicer on account of interest on a Mortgage Loan as contemplated by Sections 3.14 and 3.16, an amount equal to that remaining portion of any such payment as to interest (but not in excess of the Servicing Fee and the Subservicing Fee, if not previously retained) which, when deducted, will result in the remaining amount of such interest being interest at a rate per annum equal to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount specified in the amortization schedule of the related Mortgage Loan as the principal balance thereof at the beginning of the period respecting which such interest was paid after giving effect to any previous Curtailments; 76 (iv) to pay to itself as additional servicing compensation any interest or investment income earned on funds deposited in the Custodial Account that it is entitled to withdraw pursuant to Section 3.07(c); (v) to pay to itself as additional servicing compensation any Foreclosure Profits, and any amounts remitted by Subservicers as interest in respect of Curtailments pursuant to Section 3.08(b); (vi) to pay to itself, a Subservicer, Residential Funding, the Depositor or any other appropriate Person, as the case may be, with respect to each Mortgage Loan or property acquired in respect thereof that has been purchased or otherwise transferred pursuant to Section 2.02, 2.03, 2.04, 4.07, 4.08 or 9.01, all amounts received thereon and not required to be distributed to Certificateholders as of the date on which the related Stated Principal Balance or Purchase Price is determined; (vii) to reimburse itself or the related Subservicer for any Nonrecoverable Advance or Advances in the manner and to the extent provided in subsection (c) below, and any Advance or Servicing Advance made in connection with a modified Mortgage Loan that is in default or, in the judgment of the Master Servicer, default is reasonably foreseeable pursuant to Section 3.07(a), to the extent the amount of the Advance or Servicing Advance was added to the Stated Principal Balance of the Mortgage Loan in the preceding calendar month; (viii) to reimburse itself or the Depositor for expenses incurred by and reimbursable to it or the Depositor pursuant to Section 3.14(c), 6.03, 10.01 or otherwise; (ix) to reimburse itself for amounts expended by it (a) pursuant to Section 3.14 in good faith in connection with the restoration of property damaged by an Uninsured Cause, and (b) in connection with the liquidation of a Mortgage Loan or disposition of an REO Property to the extent not otherwise reimbursed pursuant to clause (ii) or (viii) above; and (x) to withdraw any amount deposited in the Custodial Account that was not required to be deposited therein pursuant to Section 3.07, including any payoff fees or penalties or any other additional amounts payable to the Master Servicer or Subservicer pursuant to the terms of the Mortgage Note. (b) Since, in connection with withdrawals pursuant to clauses (ii), (iii), (v) and (vi), the Master Servicer's entitlement thereto is limited to collections or other recoveries on the related Mortgage Loan, 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 Custodial Account pursuant to such clauses. (c) The Master Servicer shall be entitled to reimburse itself or the related Subservicer for any advance made in respect of a Mortgage Loan that the Master Servicer determines to be a Nonrecoverable Advance by withdrawal from the Custodial Account of amounts on deposit therein attributable to the Mortgage Loans on any Certificate Account Deposit Date succeeding the date of 77 such determination. Such right of reimbursement in respect of a Nonrecoverable Advance relating to an Advance pursuant to Section 4.04 on any such Certificate Account Deposit Date shall be limited to an amount not exceeding the portion of such advance previously paid to Certificateholders (and not theretofore reimbursed to the Master Servicer or the related Subservicer). Section 3.11. Maintenance of Primary Insurance Coverage. ----------------------------------------- (a) The Master Servicer shall not take, or permit any Subservicer to take, any action which would result in noncoverage under any applicable Primary Insurance Policy of any loss which, but for the actions of the Master Servicer or Subservicer, would have been covered thereunder. To the extent coverage is available, the Master Servicer shall keep or cause to be kept in full force and effect each such Primary Insurance Policy until the principal balance of the related Mortgage Loan secured by a Mortgaged Property is reduced to 80% or less of the Appraised Value at origination in the case of such a Mortgage Loan having a Loan-to-Value Ratio at origination in excess of 80%, provided that such Primary Insurance Policy was in place as of the Cut-off Date and the Master Servicer had knowledge of such Primary Insurance Policy. The Master Servicer shall not cancel or refuse to renew any such Primary Insurance Policy applicable to a Nonsubserviced Mortgage Loan, or consent to any Subservicer canceling or refusing to renew any such Primary Insurance Policy applicable to a Mortgage Loan subserviced by it, that is in effect at the date of the initial issuance of the Certificates and is required to be kept in force hereunder unless the replacement Primary Insurance Policy for such canceled or non-renewed policy is maintained with an insurer whose claims-paying ability is acceptable to each Rating Agency for mortgage pass-through certificates having a rating equal to or better than the lower of the then-current rating or the rating assigned to the Certificates as of the Closing Date by such Rating Agency. (b) In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present or to cause the related Subservicer to present, on behalf of the Master Servicer, the Subservicer, if any, the Trustee and Certificateholders, claims to the insurer under any Primary Insurance Policies, in a timely manner in accordance with such policies, and, in this regard, to take or cause to be taken such reasonable action as shall be necessary to permit recovery under any Primary Insurance Policies respecting defaulted Mortgage Loans. Pursuant to Section 3.07, any Insurance Proceeds collected by or remitted to the Master Servicer under any Primary Insurance Policies shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (a) The Master Servicer shall cause to be maintained for each Mortgage Loan fire insurance with extended coverage in an amount which is equal to the lesser of the principal balance owing on such Mortgage Loan (together with the principal balance of any mortgage loan secured by a lien that is senior to the Mortgage Loan) or 100 percent of the insurable value of the improvements; provided, however, that such coverage may not be less than the minimum amount required to fully compensate for any loss or damage on a replacement cost basis. To the extent it may do so without breaching the related Subservicing Agreement, the Master Servicer shall replace any Subservicer that does not cause such insurance, to the extent it is available, to be maintained. The Master Servicer shall also cause to be maintained on property acquired upon foreclosure, or deed in lieu of 78 foreclosure, of any Mortgage Loan, fire insurance with extended coverage in an amount which is at least equal to the amount necessary to avoid the application of any co-insurance clause contained in the related hazard insurance policy. Pursuant to Section 3.07, any amounts collected by the Master Servicer under any such policies (other than amounts to be applied to the restoration or repair of the related Mortgaged Property or property thus acquired or amounts released to the Mortgagor in accordance with the Master Servicer's normal servicing procedures) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any cost incurred by the Master Servicer in maintaining any such insurance shall not, for the purpose of calculating monthly distributions to Certificateholders, be added to the amount owing under the Mortgage Loan, notwithstanding that the terms of the Mortgage Loan so permit. Such costs shall be recoverable by the Master Servicer out of related late payments by the Mortgagor or out of Insurance Proceeds and Liquidation Proceeds to the extent permitted by Section 3.10. It is understood and agreed that no earthquake or other additional insurance is to be required of any Mortgagor or maintained on property acquired in respect of a Mortgage Loan other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. Whenever the improvements securing a Mortgage Loan are located at the time of origination of such Mortgage Loan in a federally designated special flood hazard area, the Master Servicer shall cause flood insurance (to the extent available) to be maintained in respect thereof. Such flood insurance shall be in an amount equal to the lesser of (i) the amount required to compensate for any loss or damage to the Mortgaged Property on a replacement cost basis 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 fire insurance policy with extended coverage 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 sentence of this Section 3.12(a), 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 a policy complying with the first sentence of this Section 3.12(a) and there shall have been a loss which would have been covered by such policy, deposit in the Certificate Account the amount not otherwise payable under the blanket policy because of such deductible clause. Any such deposit by the Master Servicer shall be made on the Certificate Account Deposit Date next preceding the Distribution Date which occurs in the month following the month in which payments under any such policy would have been deposited in the Custodial Account. In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present, on behalf of itself, the Trustee and Certificateholders, claims under any such blanket policy. (b) The Master Servicer shall obtain and maintain at its own expense and keep in full force and effect throughout the term of this Agreement a blanket fidelity bond and an errors and omissions insurance policy covering the Master Servicer's officers and employees and other persons acting on behalf of the Master Servicer in connection with its activities under this Agreement. The amount of coverage shall be at least equal to the coverage that would be required by Fannie Mae or Freddie Mac, whichever is greater, with respect to the Master Servicer if the Master Servicer were servicing and administering the Mortgage Loans for Fannie Mae or Freddie Mac. In the event that any such bond or policy ceases to be in effect, the Master Servicer shall obtain a comparable replacement bond or policy from an issuer or insurer, as the case may be, meeting the requirements, if any, of the Program Guide and acceptable to the Depositor. Coverage of the Master Servicer under 79 a policy or bond obtained by an Affiliate of the Master Servicer and providing the coverage required by this Section 3.12(b) shall satisfy the requirements of this Section 3.12(b). Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (a) When any Mortgaged Property is conveyed by the Mortgagor, the Master Servicer or Subservicer, to the extent it has knowledge of such conveyance, shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage, to the extent permitted under applicable law and governmental regulations, but only to the extent that such enforcement will not adversely affect or jeopardize coverage under any Required Insurance Policy. Notwithstanding the foregoing: (i) the Master Servicer shall not be deemed to be in default under this Section 3.13(a) by reason of any transfer or assumption which the Master Servicer is restricted by law from preventing; and (ii) if the Master Servicer determines that it is reasonably likely that any Mortgagor will bring, or if any Mortgagor does bring, legal action to declare invalid or otherwise avoid enforcement of a due-on- sale clause contained in any Mortgage Note or Mortgage, the Master Servicer shall not be required to enforce the due-on-sale clause or to contest such action. (b) Subject to the Master Servicer's duty to enforce any due-on-sale clause to the extent set forth in Section 3.13(a), in any case in which a Mortgaged Property is to be conveyed to a Person by a Mortgagor, and such Person is to enter into an assumption or modification agreement or supplement to the Mortgage Note or Mortgage which requires the signature of the Trustee, or if an instrument of release signed by the Trustee is required releasing the Mortgagor from liability on the Mortgage Loan, the Master Servicer is authorized, subject to the requirements of the sentence next following, to execute and deliver, on behalf of the Trustee, the assumption agreement with the Person to whom the Mortgaged Property is to be conveyed and such modification agreement or supplement to the Mortgage Note or Mortgage or other instruments as are reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage or otherwise to comply with any applicable laws regarding assumptions or the transfer of the Mortgaged Property to such Person; provided, however, none of such terms and requirements shall both constitute a "significant modification" effecting an exchange or reissuance of such Mortgage Loan under the Code (or final, temporary or proposed Treasury regulations promulgated thereunder) and cause any of REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as REMICs 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 shall execute and deliver such documents only if it reasonably determines that (i) its execution and delivery thereof will not conflict with or violate any terms of this Agreement or cause the unpaid balance and interest on the Mortgage Loan to be uncollectible in whole or in part, (ii) any required consents of insurers under any Required Insurance Policies have been obtained and (iii) subsequent to the closing of the transaction involving the assumption or transfer (A) the Mortgage Loan will continue to be secured by a first mortgage lien (or junior lien of the same priority in relation to any senior mortgage loan, with respect to any Mortgage Loan secured by a junior Mortgage) pursuant to the terms of the Mortgage, (B) such transaction will not adversely affect the coverage under any Required Insurance Policies, (C) the Mortgage Loan will fully amortize over the remaining term thereof, (D) no material term of the Mortgage Loan (including the interest rate on the Mortgage Loan) will be altered nor will the term of the Mortgage Loan be changed and (E) if the seller/transferor of the Mortgaged Property is to be released from liability on 80 the Mortgage Loan, the buyer/transferee of the Mortgaged Property would be qualified to assume the Mortgage Loan based on generally comparable credit quality and such release will not (based on the Master Servicer's or Subservicer's good faith determination) adversely affect the collectability of the Mortgage Loan. Upon receipt of appropriate instructions from the Master Servicer in accordance with the foregoing, the Trustee shall execute any necessary instruments for such assumption or substitution of liability as directed by the Master Servicer. Upon the closing of the transactions contemplated by such documents, the Master Servicer shall cause the originals or true and correct copies of the assumption agreement, the release (if any), or the modification or supplement to the Mortgage Note or Mortgage to be delivered to the Trustee or the Custodian and deposited with the Mortgage File for such Mortgage Loan. Any fee collected by the Master Servicer or such related Subservicer for entering into an assumption or substitution of liability agreement will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (c) The Master Servicer or the related Subservicer, as the case may be, shall be entitled to approve a request from a Mortgagor for a partial release of the related Mortgaged Property, the granting of an easement thereon in favor of another Person, any alteration or demolition of the related Mortgaged Property without any right of reimbursement or other similar matters if it has determined, exercising its good faith business judgment in the same manner as it would if it were the owner of the related Mortgage Loan, that the security for, and the timely and full collectability of, such Mortgage Loan would not be adversely affected thereby and that each of REMIC I, REMIC II, REMIC III or REMIC IV would continue to qualify as a REMIC under the Code as a result thereof and that no tax on "prohibited transactions" or "contributions" after the startup day would be imposed on any of REMIC I, REMIC II, REMIC III or REMIC IV as a result thereof. Any fee collected by the Master Servicer or the related Subservicer for processing such a request will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (d) Subject to any other applicable terms and conditions of this Agreement, the Master Servicer shall be entitled to approve an assignment in lieu of satisfaction with respect to any Mortgage Loan, provided the obligee with respect to such Mortgage Loan following such proposed assignment provides the Master Servicer with a "Lender Certification for Assignment of Mortgage Loan" in the form attached hereto as Exhibit M, in form and substance satisfactory to the Master Servicer, providing the following: (i) that the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction in which an assignment in lieu of satisfaction is required to preserve lien priority, minimize or avoid mortgage recording taxes or otherwise comply with, or facilitate a refinancing under, the laws of such jurisdiction; (ii) that the substance of the assignment is, and is intended to be, a refinancing of such Mortgage Loan and that the form of the transaction is solely to comply with, or facilitate the transaction under, such local laws; (iii) that the Mortgage Loan following the proposed assignment will have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iv) that such assignment is at the request of the borrower under the related Mortgage Loan. Upon approval of an assignment in lieu of satisfaction with respect to any Mortgage Loan, the Master Servicer shall receive cash in an amount equal to the unpaid principal balance of and accrued interest on such Mortgage Loan and the Master Servicer shall treat such amount as a Principal Prepayment in Full with respect to such Mortgage Loan for all purposes hereof. Section 3.14. Realization Upon Defaulted Mortgage Loans. ----------------------------------------- 81 (a) The Master Servicer shall foreclose upon or otherwise comparably convert (which may include an REO Acquisition) 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. Alternatively, the Master Servicer may take other actions in respect of a defaulted Mortgage Loan, which may include (i) accepting a short sale (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate a sale of the Mortgaged Property by the Mortgagor) or permitting a short refinancing (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate refinancing transactions by the Mortgagor not involving a sale of the Mortgaged Property), (ii) arranging for a repayment plan or (iii) agreeing to a modification in accordance with Section 3.07. In connection with such foreclosure or other conversion or action, the Master Servicer shall, consistent with Section 3.11, follow such practices and procedures as it shall deem necessary or advisable, as shall be normal and usual in its general mortgage servicing activities and as shall be required or permitted by the Program Guide; provided that the Master Servicer shall not be liable in any respect hereunder if the Master Servicer is acting in connection with any such foreclosure or other conversion or action in a manner that is consistent with the provisions of this Agreement. The Master Servicer, however, shall not be required to expend its own funds or incur other reimbursable charges in connection with any foreclosure, or attempted foreclosure which is not completed, or towards the correction of any default on a related senior mortgage loan, or towards the restoration of any property unless it shall determine (i) that such restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Holders of Certificates of one or more Classes after reimbursement to itself for such expenses or charges and (ii) that such expenses and charges will be recoverable to it through Liquidation Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall have priority for purposes of withdrawals from the Custodial Account pursuant to Section 3.10, whether or not such expenses and charges are actually recoverable from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the event of such a determination by the Master Servicer pursuant to this Section 3.14(a), the Master Servicer shall be entitled to reimbursement of its funds so expended pursuant to Section 3.10. In addition, the Master Servicer may pursue any remedies that may be available in connection with a breach of a representation and warranty with respect to any such Mortgage Loan in accordance with Sections 2.03 and 2.04. However, the Master Servicer is not required to continue to pursue both foreclosure (or similar remedies) with respect to the Mortgage Loans and remedies in connection with a breach of a representation and warranty if the Master Servicer determines in its reasonable discretion that one such remedy is more likely to result in a greater recovery as to the Mortgage Loan. Upon the occurrence of a Cash Liquidation or REO Disposition, following the deposit in the Custodial Account of all Insurance Proceeds, Liquidation Proceeds and other payments and recoveries referred to in the definition of "Cash Liquidation" or "REO Disposition," as applicable, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Master Servicer or its designee, as the case may be, the related Mortgage Loan, and thereafter such Mortgage Loan shall not be part of the Trust Fund. Notwithstanding the foregoing or any other provision of this Agreement, in the Master Servicer's sole discretion with respect to any defaulted Mortgage Loan or REO Property as to either of the following provisions, (i) a Cash Liquidation or REO Disposition may be deemed to have occurred if substantially all amounts expected by the Master Servicer to be 82 received in connection with the related defaulted Mortgage Loan or REO Property have been received, and (ii) for purposes of determining the amount of any Liquidation Proceeds, Insurance Proceeds, REO Proceeds or other unscheduled collections or the amount of any Realized Loss, the Master Servicer may take into account minimal amounts of additional receipts expected to be received or any estimated additional liquidation expenses expected to be incurred in connection with the related defaulted Mortgage Loan or REO Property. (b) In the event that title to any Mortgaged Property is acquired by the Trust Fund as an REO Property by foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the Trustee or to its nominee on behalf of Certificateholders. Notwithstanding any such acquisition of title and cancellation of the related Mortgage Loan, such REO Property shall (except as otherwise expressly provided herein) be considered to be an Outstanding Mortgage Loan held in the Trust Fund until such time as the REO Property shall be sold. Consistent with the foregoing for purposes of all calculations hereunder so long as such REO Property shall be considered to be an Outstanding Mortgage Loan it shall be assumed that, notwithstanding that the indebtedness evidenced by the related Mortgage Note shall have been discharged, such Mortgage Note and the related amortization schedule in effect at the time of any such acquisition of title (after giving effect to any previous Curtailments and before any adjustment thereto by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period) remain in effect. (c) In the event that the Trust Fund acquires any REO Property as aforesaid or otherwise in connection with a default or imminent default on a Mortgage Loan, the Master Servicer on behalf of the Trust Fund shall dispose of such REO Property within three full years after the taxable year of its acquisition by the Trust Fund for purposes of Section 860G(a)(8) of the Code (or such shorter period as may be necessary under applicable state (including any state in which such property is located) law to maintain the status of each of REMIC I, REMIC II, REMIC III or REMIC IV as a REMIC under applicable state law and avoid taxes resulting from such property failing to be foreclosure property under applicable state law) or, at the expense of the Trust Fund, request, more than 60 days before the day on which such grace period would otherwise expire, an extension of such grace period unless the Master Servicer obtains for the Trustee an Opinion of Counsel, addressed to the Trustee and the Master Servicer, to the effect that the holding by the Trust Fund of such REO Property subsequent to such period will not result in the imposition of taxes on "prohibited transactions" as defined in Section 860F of the Code or cause any of REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as a REMIC (for federal (or any applicable State or local) income tax purposes) at any time that any Certificates are outstanding, in which case the Trust Fund may continue to hold such REO Property (subject to any conditions contained in such Opinion of Counsel). The Master Servicer shall be entitled to be reimbursed from the Custodial Account for any costs incurred in obtaining such Opinion of Counsel, as provided in Section 3.10. Notwithstanding any other provision of this Agreement, no REO Property acquired by the Trust Fund shall be rented (or allowed to continue to be rented) or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant to any terms that would (i) cause such REO Property to fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the Code or (ii) subject REMIC I, REMIC II, REMIC III or REMIC IV to the imposition of any federal income taxes on the income earned from such REO Property, including any taxes imposed by reason of Section 860G(c) of the Code, unless the Master Servicer has agreed to indemnify and hold harmless the Trust Fund with respect to the imposition of any such taxes. 83 (d) The proceeds of any Cash Liquidation, REO Disposition or purchase or repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well as any recovery (other than Subsequent Recoveries) resulting from a collection of Liquidation Proceeds, Insurance Proceeds or REO Proceeds, will be applied in the following order of priority: first, to reimburse the Master Servicer or the related Subservicer in accordance with Section 3.10(a)(ii); second, to the Certificateholders to the extent of accrued and unpaid interest on the Mortgage Loan, and any related REO Imputed Interest, at the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan), to the Due Date in the related Due Period prior to the Distribution Date on which such amounts are to be distributed; third, to the Certificateholders as a recovery of principal on the Mortgage Loan (or REO Property) (provided that if any such Class of Certificates to which such Realized Loss was allocated is no longer outstanding, such subsequent recovery shall be distributed to the persons who were the Holders of such Class of Certificates when it was retired); fourth, to all Servicing Fees and Subservicing Fees payable therefrom (and the Master Servicer and the Subservicer shall have no claims for any deficiencies with respect to such fees which result from the foregoing allocation); and fifth, to Foreclosure Profits. Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer will immediately notify the Trustee (if it holds the related Mortgage File) or the Custodian by a certification of a Servicing Officer (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 Custodial Account pursuant to Section 3.07 have been or will be so deposited), substantially in one of the forms attached hereto as Exhibit G requesting delivery to it of the Mortgage File. Upon receipt of such certification and request, the Trustee shall promptly release, or cause the Custodian to release, the related Mortgage File to the Master Servicer. The Master Servicer is authorized to execute and deliver to the Mortgagor the request for reconveyance, deed of reconveyance or release or satisfaction of mortgage or such instrument releasing the lien of the Mortgage, together with the Mortgage Note with, as appropriate, written evidence of cancellation thereon and to cause the removal from the registration on the MERS(R) System of such Mortgage 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, including any applicable UCC termination statements. No expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the Custodial Account or the Certificate Account. (b) From time to time as is appropriate for the servicing or foreclosure of any Mortgage Loan, the Master Servicer shall deliver to the Custodian, with a copy to the Trustee, a certificate of a Servicing Officer substantially in one of the forms attached as Exhibit G hereto, requesting that possession of all, or any document constituting part of, the Mortgage File be released to the Master Servicer and certifying as to the reason for such release and that such release will not invalidate any insurance coverage provided in respect of the Mortgage Loan under any Required Insurance Policy. Upon receipt of the foregoing, the Trustee shall deliver, or cause the Custodian to deliver, the Mortgage File or any document therein to the Master Servicer. The Master Servicer shall cause each Mortgage File or any document therein so released to be returned to the Trustee, or the Custodian 84 as agent for the Trustee when the need therefor by the Master Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Custodial Account or (ii) the Mortgage File or such document has been delivered directly or through a Subservicer 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 directly or through a Subservicer to 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. (c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and deliver to the Master Servicer, if necessary, any court pleadings, requests for trustee's sale or other documents 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. Together with such documents or pleadings (if signed by the Trustee), the Master Servicer shall deliver to the Trustee a certificate of a Servicing Officer requesting that such pleadings or documents be executed by the Trustee and certifying as to the reason such documents or pleadings are required and that the execution and delivery thereof by the Trustee will not invalidate any insurance coverage under any Required Insurance Policy or 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 3.16. Servicing and Other Compensation; Eligible Master Servicing Compensation. (a) The Master Servicer, as compensation for its activities hereunder, shall be entitled to receive on each Distribution Date the amounts provided for by clauses (iii), (iv), (v) and (vi) of Section 3.10(a), subject to clause (e) below. The amount of servicing compensation provided for in such clauses shall be accounted for on a Mortgage Loan-by-Mortgage Loan basis. In the event that Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of a Cash Liquidation or REO Disposition exceed the unpaid principal balance of such Mortgage Loan plus unpaid interest accrued thereon (including REO Imputed Interest) at a per annum rate equal to the related Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan), the Master Servicer shall be entitled to retain therefrom and to pay to itself and/or the related Subservicer, any Foreclosure Profits and any Servicing Fee or Subservicing Fee considered to be accrued but unpaid. (b) Additional servicing compensation in the form of assumption fees, late payment charges, investment income on amounts in the Custodial Account or the Certificate Account or otherwise shall be retained by the Master Servicer or the Subservicer to the extent provided herein, subject to clause (e) below. (c) The Master Servicer shall be required to pay, or cause to be paid, all expenses incurred by it in connection with its servicing activities hereunder (including payment of premiums for the Primary Insurance Policies, if any, to the extent such premiums are not required to be paid 85 by the related Mortgagors, and the fees and expenses of the Trustee and any Custodian) and shall not be entitled to reimbursement therefor except as specifically provided in Sections 3.10 and 3.14. (d) The Master Servicer's right to receive servicing compensation may not be transferred in whole or in part except in connection with the transfer of all of its responsibilities and obligations of the Master Servicer under this Agreement. (e) Notwithstanding clauses (a) and (b) above, the amount of servicing compensation that the Master Servicer shall be entitled to receive for its activities hereunder for the period ending on each Distribution Date shall be reduced (but not below zero) by an amount equal to Eligible Master Servicing Compensation (if any) for such Distribution Date. Such reduction shall be applied during such period as follows: first, to any Servicing Fee or Subservicing Fee to which the Master Servicer is entitled pursuant to Section 3.10(a)(iii); second, to any income or gain realized from any investment of funds held in the Custodial Account or the Certificate Account to which the Master Servicer is entitled pursuant to Sections 3.07(c) or 4.01(b), respectively; and third, to any amounts of servicing compensation to which the Master Servicer is entitled pursuant to Section 3.10(a)(v) or (vi). In making such reduction, the Master Servicer shall not withdraw from the Custodial Account any such amount representing all or a portion of the Servicing Fee to which it is entitled pursuant to Section 3.10(a)(iii); (ii) shall not withdraw from the Custodial Account or Certificate Account any such amount to which it is entitled pursuant to Section 3.07(c) or 4.01(b) and (iii) shall not withdraw from the Custodial Account any such amount of servicing compensation to which it is entitled pursuant to Section 3.10(a)(v) or (vi). With respect to any Distribution Date, Eligible Master Servicing Compensation derived from Loan Group I shall be used on such Distribution Date (i) to cover any Prepayment Interest Shortfalls on the Group I Loans and (ii) to cover any Prepayment Interest Shortfalls on the Group II Loans, but only to the extent not covered by Eligible Master Servicing Compensation derived from Loan Group II. With respect to any Distribution Date, Eligible Master Servicing Compensation derived from Loan Group II shall be used on such Distribution Date (i) to cover any Prepayment Interest Shortfalls on the Group II Loans and (ii) to cover any Prepayment Interest Shortfalls on the Group I Loans, but only to the extent not covered by Eligible Master Servicing Compensation derived from Loan Group I. Section 3.17. Reports to the Trustee and the Depositor. ---------------------------------------- Not later than fifteen days after each Distribution Date, the Master Servicer shall forward to the Trustee and the Depositor a statement, certified by a Servicing Officer, setting forth the status of the Custodial Account as of the close of business on such Distribution Date as it relates to the Mortgage Loans and showing, for the period covered by such statement, the aggregate of deposits in or withdrawals from the Custodial Account in respect of the Mortgage Loans for each category of deposit specified in Section 3.07 and each category of withdrawal specified in Section 3.10. Section 3.18. Annual Statement as to Compliance. --------------------------------- The Master Servicer will deliver to the Depositor and the Trustee on or before the earlier of (a) March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, or (b) with respect to any calendar year during which the Depositor's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations 86 of the Commission, the date on which the Depositor's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission (or, in each case, if such day is not a Business Day, the immediately preceding Business Day), an Officers' Certificate stating, as to each signer thereof, that (i) a review of the activities of the Master Servicer during the preceding calendar year related to its servicing of mortgage loans and of its performance under the pooling and servicing agreements, including this Agreement, has been made under such officers' supervision, (ii) to the best of such officers' knowledge, based on such review, the Master Servicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations in all material respects throughout such year, or, if there has been material noncompliance with such servicing standards or a default in the fulfillment in all material respects of any such obligation relating to this Agreement, such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof and (iii) to the best of such officers' knowledge, each Subservicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations under its Subservicing Agreement in all material respects throughout such year, or if there has been material noncompliance with such servicing standards or a material default in the fulfillment of such obligations relating to this Agreement, specifying such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof. Section 3.19. Annual Independent Public Accountants' Servicing Report. ------------------------------------------------------- On or before the earlier of (a) March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, or (b) with respect to any calendar year during which the Depositor's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the date on which the Depositor's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission (or, in each case, if such day is not a Business Day, the immediately preceding Business Day), the Master Servicer at its expense shall cause a firm of independent public accountants which shall be members of the American Institute of Certified Public Accountants to furnish a report to the Depositor and the Trustee stating its opinion that, on the basis of an examination conducted by such firm substantially in accordance with standards established by the American Institute of Certified Public Accountants, the assertions made pursuant to Section 3.18 regarding compliance with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers during the preceding calendar year are fairly stated in all material respects, subject to such exceptions and other qualifications that, in the opinion of such firm, such accounting standards require it to report. In rendering such statement, such firm may rely, as to matters relating to the direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted by independent public accountants substantially in accordance with standards established by the American Institute of Certified Public Accountants (rendered within one year of such statement) with respect to such Subservicers. Section 3.20. Right of the Depositor in Respect of the Master Servicer. -------------------------------------------------------- 87 The Master Servicer shall afford the Depositor and the Trustee, upon reasonable notice, during normal business hours access to all records maintained by the Master Servicer in respect of its rights and obligations hereunder and access to officers of the Master Servicer responsible for such obligations. Upon request, the Master Servicer shall furnish the Depositor and the Trustee with its most recent financial statements and such other information as the Master Servicer possesses regarding its business, affairs, property and condition, financial or otherwise. The Master Servicer shall also cooperate with all reasonable requests for information including, but not limited to, notices, tapes and copies of files, regarding itself, the Mortgage Loans or the Certificates from any Person or Persons identified by the Depositor or Residential Funding. The Depositor may, but is not obligated to perform, or cause a designee to perform, any defaulted obligation of the Master Servicer hereunder or exercise the rights of the Master Servicer hereunder; provided that the Master Servicer shall not be relieved of any of its obligations hereunder by virtue of such performance by the Depositor or its designee. The Depositor shall not have the 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. Section 3.21. Advance Facility. (a) The Master Servicer is hereby authorized to enter into a financing or other facility (any such arrangement, an "Advance Facility") under which (1) the Master Servicer sells, assigns or pledges to another Person (an "Advancing Person") the Master Servicer's rights under this Agreement to be reimbursed for any Advances or Servicing Advances and/or (2) an Advancing Person agrees to fund some or all Advances and/or Servicing Advances required to be made by the Master Servicer pursuant to this Agreement. No consent of the Depositor, the Trustee, the Certificateholders or any other party shall be required before the Master Servicer may enter into an Advance Facility. Notwithstanding the existence of any Advance Facility under which an Advancing Person agrees to fund Advances and/or Servicing Advances on the Master Servicer's behalf, the Master Servicer shall remain obligated pursuant to this Agreement to make Advances and Servicing Advances pursuant to and as required by this Agreement. If the Master Servicer enters into an Advance Facility, and for so long as an Advancing Person remains entitled to receive reimbursement for any Advances including Nonrecoverable Advances ("Advance Reimbursement Amounts") and/or Servicing Advances including Nonrecoverable Advances ("Servicing Advance Reimbursement Amounts" and together with Advance Reimbursement Amounts, "Reimbursement Amounts") (in each case to the extent such type of Reimbursement Amount is included in the Advance Facility), as applicable, pursuant to this Agreement, then the Master Servicer shall identify such Reimbursement Amounts consistent with the reimbursement rights set forth in Section 3.10(a)(ii) and (vii) and remit such Reimbursement Amounts in accordance with Section 3.21 or otherwise in accordance with the documentation establishing the Advance Facility to such Advancing Person or to a trustee, agent or custodian (an "Advance Facility Trustee") designated by such Advancing Person in an Advance Facility Notice described below in Section 3.21(b). Notwithstanding the foregoing, if so required pursuant to the terms of the Advance Facility, the Master Servicer may direct, and if so directed in writing the Trustee is hereby authorized to and shall pay to the Advance Facility Trustee the Reimbursement Amounts identified pursuant to the preceding sentence. An Advancing Person whose obligations hereunder are limited to the funding of Advances and/or Servicing Advances shall not be required to meet the qualifications of a Master Servicer or a 88 Subservicer pursuant to Section 3.02(a) or 6.02(c) hereof and shall not be deemed to be a Subservicer under this Agreement. Notwithstanding anything to the contrary herein, in no event shall Advance Reimbursement Amounts or Servicing Advance Reimbursement Amounts be included in the Available Distribution Amount or distributed to Certificateholders. (b) If the Master Servicer enters into an Advance Facility and makes the election set forth in Section 3.21(a), the Master Servicer and the related Advancing Person shall deliver to the Trustee a written notice and payment instruction (an "Advance Facility Notice"), providing the Trustee with written payment instructions as to where to remit Advance Reimbursement Amounts and/or Servicing Advance Reimbursement Amounts (each to the extent such type of Reimbursement Amount is included within the Advance Facility) on subsequent Distribution Dates. The payment instruction shall require the applicable Reimbursement Amounts to be distributed to the Advancing Person or to an Advance Facility Trustee designated in the Advance Facility Notice. An Advance Facility Notice may only be terminated by the joint written direction of the Master Servicer and the related Advancing Person (and any related Advance Facility Trustee). (c) Reimbursement Amounts shall consist solely of amounts in respect of Advances and/or Servicing Advances made with respect to the Mortgage Loans for which the Master Servicer would be permitted to reimburse itself in accordance with Section 3.10(a)(ii) and (vii) hereof, assuming the Master Servicer or the Advancing Person had made the related Advance(s) and/or Servicing Advance(s). Notwithstanding the foregoing, except with respect to reimbursement of Nonrecoverable Advances as set forth in Section 3.10(c) of this Agreement, no Person shall be entitled to reimbursement from funds held in the Collection Account for future distribution to Certificateholders pursuant to this Agreement. Neither the Depositor nor the Trustee shall have any duty or liability with respect to the calculation of any Reimbursement Amount, nor shall the Depositor or the Trustee have any responsibility to track or monitor the administration of the Advance Facility and the Depositor shall not have any responsibility to track, monitor or verify the payment of Reimbursement Amounts to the related Advancing Person or Advance Facility Trustee. The Master Servicer shall maintain and provide to any Successor Master Servicer a detailed accounting on a loan-by-loan basis as to amounts advanced by, sold, pledged or assigned to, and reimbursed to any Advancing Person. The Successor Master Servicer shall be entitled to rely on any such information provided by the Master Servicer and the Successor Master Servicer shall not be liable for any errors in such information. (d) Upon the direction of and at the expense of the Master Servicer, the Trustee agrees to execute such acknowledgments, certificates, and other documents provided by the Master Servicer and reasonably satisfactory to the Trustee recognizing the interests of any Advancing Person or Advance Facility Trustee in such Reimbursement Amounts as the Master Servicer may cause to be made subject to Advance Facilities pursuant to this Section 3.21, and such other documents in connection with such Advance Facility as may be reasonably requested from time to time by any Advancing Person or Advance Facility Trustee and reasonably satisfactory to the Trustee. (e) Reimbursement Amounts collected with respect to each Mortgage Loan shall be allocated to outstanding unreimbursed Advances or Servicing Advances (as the case may be) made with respect to that Mortgage Loan on a "first-in, first out" ("FIFO") basis, subject to the qualifications set forth below: 89 (i) Any successor Master Servicer to Residential Funding (a "Successor Master Servicer") and the Advancing Person or Advance Facility Trustee shall be required to apply all amounts available in accordance with this Section 3.21(e) to the reimbursement of Advances and Servicing Advances in the manner provided for herein; provided, however, that after the succession of a Successor Master Servicer, (A) to the extent that any Advances or Servicing Advances with respect to any particular Mortgage Loan are reimbursed from payments or recoveries, if any, from the related Mortgagor, and Liquidation Proceeds or Insurance Proceeds, if any, with respect to that Mortgage Loan, reimbursement shall be made, first, to the Advancing Person or Advance Facility Trustee in respect of Advances and/or Servicing Advances related to that Mortgage Loan to the extent of the interest of the Advancing Person or Advance Facility Trustee in such Advances and/or Servicing Advances, second to the Master Servicer in respect of Advances and/or Servicing Advances related to that Mortgage Loan in excess of those in which the Advancing Person or Advance Facility Trustee Person has an interest, and third, to the Successor Master Servicer in respect of any other Advances and/or Servicing Advances related to that Mortgage Loan, from such sources as and when collected, and (B) reimbursements of Advances and Servicing Advances that are Nonrecoverable Advances shall be made pro rata to the Advancing Person or Advance Facility Trustee, on the one hand, and any such Successor Master Servicer, on the other hand, on the basis of the respective aggregate outstanding unreimbursed Advances and Servicing Advances that are Nonrecoverable Advances owed to the Advancing Person, Advance Facility Trustee or Master Servicer pursuant to this Agreement, on the one hand, and any such Successor Master Servicer, on the other hand, and without regard to the date on which any such Advances or Servicing Advances shall have been made. In the event that, as a result of the FIFO allocation made pursuant to this Section 3.21(e), some or all of a Reimbursement Amount paid to the Advancing Person or Advance Facility Trustee relates to Advances or Servicing Advances that were made by a Person other than Residential Funding or the Advancing Person or Advance Facility Trustee, then the Advancing Person or Advance Facility Trustee shall be required to remit any portion of such Reimbursement Amount to the Person entitled to such portion of such Reimbursement Amount. Without limiting the generality of the foregoing, Residential Funding shall remain entitled to be reimbursed by the Advancing Person or Advance Facility Trustee for all Advances and Servicing Advances funded by Residential Funding to the extent the related Reimbursement Amount(s) have not been assigned or pledged to an Advancing Person or Advance Facility Trustee. The documentation establishing any Advance Facility shall require Residential Funding to provide to the related Advancing Person or Advance Facility Trustee loan by loan information with respect to each Reimbursement Amount distributed to such Advancing Person or Advance Facility Trustee on each date of remittance thereof to such Advancing Person or Advance Facility Trustee, to enable the Advancing Person or Advance Facility Trustee to make the FIFO allocation of each Reimbursement Amount with respect to each Mortgage Loan. (ii) By way of illustration, and not by way of limiting the generality of the foregoing, if the Master Servicer resigns or is terminated at a time when the Master 90 Servicer is a party to an Advance Facility, and is replaced by a Successor Master Servicer, and the Successor Master Servicer directly funds Advances or Servicing Advances with respect to a Mortgage Loan and does not assign or pledge the related Reimbursement Amounts to the related Advancing Person or Advance Facility Trustee, then all payments and recoveries received from the related Mortgagor or received in the form of Liquidation Proceeds with respect to such Mortgage Loan (including Insurance Proceeds collected in connection with a liquidation of such Mortgage Loan) will be allocated first to the Advancing Person or Advance Facility Trustee until the related Reimbursement Amounts attributable to such Mortgage Loan that are owed to the Master Servicer and the Advancing Person, which were made prior to any Advances or Servicing Advances made by the Successor Master Servicer, have been reimbursed in full, at which point the Successor Master Servicer shall be entitled to retain all related Reimbursement Amounts subsequently collected with respect to that Mortgage Loan pursuant to Section 3.10 of this Agreement. To the extent that the Advances or Servicing Advances are Nonrecoverable Advances to be reimbursed on an aggregate basis pursuant to Section 3.10 of this Agreement, the reimbursement paid in this manner will be made pro rata to the Advancing Person or Advance Facility Trustee, on the one hand, and the Successor Master Servicer, on the other hand, as described in clause (i)(B) above. (f) The Master Servicer shall remain entitled to be reimbursed for all Advances and Servicing Advances funded by the Master Servicer to the extent the related rights to be reimbursed therefor have not been sold, assigned or pledged to an Advancing Person. (g) Any amendment to this Section 3.21 or to any other provision of this Agreement that may be necessary or appropriate to effect the terms of an Advance Facility as described generally in this Section 3.21, including amendments to add provisions relating to a successor master servicer, may be entered into by the Trustee, the Depositor and the Master Servicer without the consent of any Certificateholder, with written confirmation from each Rating Agency that the amendment will not result in the reduction of the ratings on any class of the Certificates below the lesser of the then current or original ratings on such Certificates, and an opinion of counsel as required in 11.01(c) notwithstanding anything to the contrary in Section 11.01 of or elsewhere in this Agreement. (h) Any rights of set-off that the Trust Fund, the Trustee, the Depositor, any Successor Master Servicer or any other Person might otherwise have against the Master Servicer under this Agreement shall not attach to any rights to be reimbursed for Advances or Servicing Advances that have been sold, transferred, pledged, conveyed or assigned to any Advancing Person. (i) At any time when an Advancing Person shall have ceased funding Advances and/or Servicing Advances (as the case may be) and the Advancing Person or related Advance Facility Trustee shall have received Reimbursement Amounts sufficient in the aggregate to reimburse all Advances and/or Servicing Advances (as the case may be) the right to reimbursement for which were assigned to the Advancing Person, then upon the delivery of a written notice signed by the Advancing Person and the Master Servicer or its successor or assign) to the Trustee terminating the Advance Facility Notice (the "Notice of Facility Termination"), the Master Servicer or its Successor 91 Master Servicer shall again be entitled to withdraw and retain the related Reimbursement Amounts from the Custodial Account pursuant to Section 3.10. (j) After delivery of any Advance Facility Notice, and until any such Advance Facility Notice has been terminated by a Notice of Facility Termination, this Section 3.21 may not be amended or otherwise modified without the prior written consent of the related Advancing Person. 92 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. ------------------- (a) The Master Servicer acting as agent of the Trustee shall establish and maintain a Certificate Account in which the Master Servicer shall deposit or cause to be deposited on behalf of the Trustee on or before 2:00 P.M. New York time on each Certificate Account Deposit Date by wire transfer of immediately available funds an amount equal to the sum of (i) any Advance for the immediately succeeding Distribution Date, (ii) any amount required to be deposited in the Certificate Account pursuant to Section 3.12(a), (iii) any amount required to be deposited in the Certificate Account pursuant to Section 3.16(e), Section 4.07 or Section 4.08, (iv) any amount to be deposited in the Reserve Fund pursuant to Section 4.09, (v) any amount required to be paid pursuant to Section 9.01, (vi) any prepayment charges on the Mortgage Loans received during the related Prepayment Period and (vii) all other amounts constituting the Group I or Group II Available Distribution Amount for the immediately succeeding Distribution Date. (b) [reserved] (c) The Trustee shall, upon written request from the Master Servicer, invest or cause the institution maintaining the Certificate Account to invest the funds in the Certificate Account in Permitted Investments designated in the name of the Trustee for the benefit of the Certificateholders, which shall mature not later than the Business Day next preceding the Distribution Date next following the date of such investment (except that (i) if such Permitted Investment is an obligation of the institution that maintains such account or a fund for which such institution serves as custodian, then such Permitted Investment may mature on such Distribution Date and (ii) any other investment may mature on such Distribution Date if the Trustee shall advance funds on such Distribution Date to the Certificate Account in the amount payable on such investment on such Distribution Date, pending receipt thereof to the extent necessary to make distributions on the Certificates) and shall not be sold or disposed of prior to maturity. All income and gain realized from any such investment shall be for the benefit of the Master Servicer and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments shall be deposited in the Certificate Account by the Master Servicer out of its own funds immediately as realized. Section 4.02. Distributions. ------------- (a) On each Distribution Date, the Trustee (or the Paying Agent on behalf of the Trustee) shall allocate and distribute the Group I Principal Distribution Amount and Group II Principal Distribution Amount to the extent on deposit in the Certificate Account for such date to the interests issued in respect of REMIC I, REMIC II, REMIC III and REMIC IV as specified in this Section. (b)(1) On each Distribution Date, the following amounts, in the following order of priority, to the extent of the Group I Available Distribution Amount, reduced by distributions made to the Class R-I Certificates pursuant to Section 4.02(c), shall be deemed distributed by REMIC I to REMIC III on account of REMIC I Regular Interest A: 93 (i) Uncertificated Accrued Interest on REMIC I Regular Interest A for such Distribution Date, plus any Uncertificated Accrued Interest thereon remaining unpaid from any previous Distribution Date; and (ii) to the extent of amounts remaining after the distributions made pursuant to clause (i) above, to REMIC I Regular Interest A until the Uncertificated Principal Balance of such REMIC I Regular Interest is reduced to zero. (2) On each Distribution Date, the following amounts, in the following order of priority, to the extent of the Group II Available Distribution Amount, reduced by distributions made to the Class R-II Certificates pursuant to Section 4.02(d), shall be deemed distributed by REMIC II to REMIC III on account of REMIC II Regular Interest B: (i) Uncertificated Accrued Interest on REMIC II Regular Interest B for such Distribution Date, plus any Uncertificated Accrued Interest thereon remaining unpaid from any previous Distribution Date; and (ii) to the extent of amounts remaining after the distributions made pursuant to clause (i) above, allocated as follows: to REMIC II Regular Interest B until the Uncertificated Principal Balance of such REMIC II Regular Interest is reduced to zero. (3)(A) On each Distribution Date, the following amounts, in the following order of priority, shall be distributed by REMIC III to REMIC IV on account of the REMIC III Group I Regular Interests: (i) to the extent of the Group I Available Distribution Amount, reduced by distributions made to the Class R-I Certificates and Class R-III Certificates pursuant to Section 4.02(c), to the Holders of the REMIC III Group I Regular Interests, pro rata, in an amount equal to (A) the related Uncertificated Accrued Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates. Amounts payable as Uncertificated Accrued Interest in respect of REMIC III Regular Interest I-ZZ shall be reduced when the REMIC III Group I Overcollateralization Amount is less than the REMIC III Group I Required Overcollateralization Amount, by the lesser of (x) the amount of such difference and (y) the REMIC III Regular Interest I-ZZ Maximum Interest Deferral Amount, and such amount will be payable to the Holders of REMIC III Regular Interest A-I-1, REMIC III Regular Interest A-I-2, REMIC III Regular Interest A-I-3, REMIC III Regular Interest A-I-4, REMIC III Regular Interest A-I-5, REMIC III Regular Interest A-I-6, REMIC III Regular Interest M-I-1, REMIC III Regular Interest M-I-2, REMIC III Regular Interest M-I-3 and REMIC III Regular Interest M-I-4 in the same proportion as the Group I Overcollateralization Increase Amount is allocated to the Corresponding Class for each such REMIC III Regular Interest, respectively, and the Uncertificated Principal Balance of REMIC III Regular Interest I-ZZ shall be increased by such amount; and (ii) on each Distribution Date, to the Holders of REMIC III Group I Regular Interests in an amount equal to the remainder of the Group I Available Distribution Amount after the distributions made pursuant to clause (i) above, allocated as follows (except as provided below): (A) to the Holders of the REMIC III Regular Interest I-AA, 98.00% of such remainder until the 94 Uncertificated Principal Balance of such REMIC III Regular Interest is reduced to zero; (B) to the Holders of the REMIC III Regular Interests A-I-1, A-I-2, A-I-3, A-I-4, A-I-5, A-I-6, M-I-1, M-I-2, M-I-3 and M-I-4, 1.00% of such remainder, in the same proportion as principal payments are allocated to the Corresponding Class for each such REMIC III Regular Interest, respectively, until the Uncertificated Principal Balance of each such REMIC III Regular Interest is reduced to zero; (C) to the Holders of the REMIC III Regular Interest I-ZZ, 1.00% of such remainder until the Uncertificated Principal Balance of such REMIC III Regular Interest is reduced to zero; and (D) any remaining amounts to the Holders of the Class R-III Certificates; provided, however, that 98.00% and 2.00% of any principal payments that are attributable to a Group I Overcollateralization Reduction Amount shall be allocated to Holders of REMIC III Regular Interest I-AA and REMIC III Regular Interest I-ZZ, respectively. (B) On each Distribution Date, the following amounts, in the following order of priority, shall be distributed by REMIC III to REMIC IV on account of the REMIC III Group II Regular Interests: (i) to the extent of the Group II Available Distribution Amount, reduced by distributions made to the Class R-II Certificates and Class R-III Certificates pursuant to Section 4.02(d), to the Holders of the REMIC III Group II Regular Interests, pro rata, in an amount equal to (A) the related Uncertificated Accrued Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates. Amounts payable as Uncertificated Accrued Interest in respect of REMIC III Regular Interest II-ZZ shall be reduced when the REMIC III Group II Overcollateralization Amount is less than the REMIC III Group II Required Overcollateralization Amount, by the lesser of (x) the amount of such difference and (y) the REMIC III Regular Interest II-ZZ Maximum Interest Deferral Amount, and such amount will be payable to the Holders of REMIC III Regular Interest A-II-A, REMIC III Regular Interest A-II-B1, REMIC III Regular Interest A-II-B2, REMIC III Regular Interest M-II-1, REMIC III Regular Interest M-II-2, REMIC III Regular Interest M-II-3, REMIC III Regular Interest M-II-4 and REMIC III Regular Interest M-II-5 in the same proportion as the Group II Overcollateralization Increase Amount is allocated to the Corresponding Class for each such REMIC III Regular Interest, respectively, and the Uncertificated Principal Balance of REMIC III Regular Interest II-ZZ shall be increased by such amount; and (ii) on each Distribution Date, to the Holders of REMIC III Group II Regular Interests in an amount equal to the remainder of the Group II Available Distribution Amount after the distributions made pursuant to clause (i) above, allocated as follows (except as provided below): (A) to the Holders of the REMIC III Regular Interest II-AA, 98.00% of such remainder until the Uncertificated Principal Balance of such REMIC III Regular Interest is reduced to zero; (B) to the Holders of the REMIC III Regular Interest A-II-A, A-II-B1, A-II-B2, M-II-1, M-II-2, M-II-3, M-II-4 and M-II-5, 1.00% of such remainder, in the same proportion as principal payments are allocated to the Corresponding Class for each such REMIC III Regular Interest, respectively, until the Uncertificated Principal Balance of each such REMIC III Regular Interest is reduced to zero; (C) to the Holders of the REMIC III Regular Interest II-ZZ, 1.00% of such remainder until the Uncertificated Principal Balance of such REMIC III Regular Interest is reduced to zero; and (D) any remaining amounts to the Holders of the Class R-III Certificates; provided, however, that 98.00% and 2.00% of any principal payments that are attributable to a Group II Overcollateralization 95 Reduction Amount shall be allocated to Holders of the REMIC III Regular Interest II-AA and REMIC III Regular Interest II-ZZ, respectively. (4) Notwithstanding the distributions described in this Section 4.02(b), distribution of funds from the Certificate Account shall be made only in accordance with Section 4.02(c) and (d). (c) On each Distribution Date (x) the Master Servicer on behalf of the Trustee or (y) the Paying Agent appointed by the Trustee, shall distribute to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share with respect to each Class of Certificates, shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder of the following amounts, in the following order of priority, subject to the provisions of Section 4.02(e) and (f)), in each case to the extent of the Group I Available Distribution Amount on deposit in the Certificate Account (or, with respect to clause (xxiv) below, to the extent of prepayment charges on deposit in the Certificate Account): (i) to the Class A-I Certificateholders, the Class A-I Interest Distribution Amount, with such amount allocated among the Class A-I Certificateholders on a pro rata basis; (ii) to the Class M-I-1 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-I-1 Interest Distribution Amount; (iii) to the Class M-I-2 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-I-2 Interest Distribution Amount; (iv) to the Class M-I-3 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-I-3 Interest Distribution Amount; (v) to the Class M-I-4 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-I-4 Interest Distribution Amount; (vi) to the Class A-I Certificateholders and Class M-I Certificateholders, the Group I Principal Distribution Amount (other than clauses (iv) and (v) of the definition thereof), in the order described in Section 4.02(e), until the Certificate Principal Balances of the Class A-I Certificates and Class M-I Certificates have been reduced to zero; 96 (vii) to the Class A-I Certificateholders and Class M-I Certificateholders, from the Group I Excess Cash Flow, an amount equal to the principal portion of Realized Losses on the Group I Loans during the immediately preceding Due Period, which amount shall be included in the Group I Principal Distribution Amount and paid in accordance with Section 4.02(e) hereof, until the Certificate Principal Balances of the Class A-I Certificates and Class M-I Certificates have been reduced to zero; (viii) to the Class A-II Certificateholders and Class M-II Certificateholders, from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, an amount equal to the principal portion of Realized Losses on the Group II Loans during the immediately preceding Due Period to the extent not covered by the Group II Excess Cash Flow, which amount shall be included in the Group II Principal Distribution Amount and paid in accordance with Section 4.02(f) hereof, until the Certificate Principal Balances of the Class A-II Certificates and Class M-II Certificates have been reduced to zero; (ix) to the Class A-II Certificateholders and Class M-II Certificateholders, from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Group II Overcollateralization Increase Amount for such Distribution Date, which amount shall be included in the Group II Principal Distribution Amount and paid in accordance with Section 4.02(f) hereof, until the Certificate Principal Balances of the Class A-II Certificates and Class M-II Certificates have been reduced to zero, but only to the extent the aggregate Certificate Principal Balance of the Class A-II Certificates and Class M-II Certificates immediately prior to such Distribution Date exceeded the aggregate Stated Principal Balance of the Group II Loans at the end of the immediately preceding Due Period and to the extent not covered by the Group II Excess Cash Flow; (x) to the Class A-I Certificateholders and Class M-I Certificateholders, from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Group I Overcollateralization Increase Amount for such Distribution Date, which amount shall be included in the Group I Principal Distribution Amount and paid in accordance with Section 4.02(e) hereof, until the Certificate Principal Balances of such Class A-I Certificates and Class M-I Certificates have been reduced to zero; (xi) to the Class A-II Certificateholders and Class M-II Certificateholders, from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Group II Overcollateralization Increase Amount for such Distribution Date to the extent not covered by the Group II Excess Cash Flow for such Distribution Date, which amount shall be included in the Group II Principal Distribution Amount and paid in accordance with Section 4.02(f) hereof, until the Certificate Principal Balances of such Class A-II Certificates and Class M-II Certificates have been reduced to zero; (xii) to the Class A-I Certificateholders and Class M-I Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto with respect 97 to the Group I Loans, to the extent not covered by Eligible Master Servicing Compensation on such Distribution Date; (xiii) to the Class A-II Certificateholders and Class M-II Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto with respect to the Group II Loans, to the extent not covered by Eligible Master Servicing Compensation and any Group II Excess Cash Flow on such Distribution Date; (xiv) to the Class A-I Certificateholders and Class M-I Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto remaining unpaid from prior Distribution Dates together with interest thereon; (xv) to the Class A-II Certificateholders and Class M-II Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto remaining unpaid from prior Distribution Dates together with interest thereon, to the extent not covered by any Group II Excess Cash Flow on such Distribution Date; (xvi) to make payments, from amounts otherwise payable to the Class SB-I Certificates (but in no event more than the Accrued Certificate Interest on such Class), (i) first, to the Reserve Fund to pay to the Class A-I-1, Class A-I-4, Class A-I-5, Class A-I-6, Class M-I-1, Class M-I-2, Class M-I-3 and Class M-I-4 Certificates the amount of any Group I Net WAC Cap Shortfall Carry-Forward Amount on such Classes of Certificates in the manner and order of priority set forth in Section 4.09(a); and (ii) second, to maintain a balance in the Reserve Fund equal to the Reserve Fund Deposit; (xvii) to make payments, from amounts otherwise payable to the Class SB-I Certificates (but in no event more than the Accrued Certificate Interest on such Class), (i) first, to the Reserve Fund to pay to the Class A-II, Class M-II-1, Class M-II-2, Class M-II-3, Class M-II-4 and Class M-II-5 Certificates the amount of any Class A-II Basis Risk Shortfall Carry-Forward Amount or Class M-II Basis Risk Shortfall Carry-Forward Amount, as applicable, on such Classes of Certificates in the manner and order of priority set forth in Section 4.09(a) to the extent not covered by payments pursuant to Section 4.02(d)(xvii) and (ii) second, to maintain a balance in the Reserve Fund equal to the Reserve Fund Deposit; (xviii)to the Class A-I Certificateholders and the Class M-I Certificateholders on a pro rata basis, based on the amount of Relief Act Shortfalls allocated thereto, from the amount, if any, of the Group I Excess Cash Flow remaining after the foregoing distributions, the amount of any Relief Act Shortfalls allocated to those Certificates with respect to such Distribution Date; (xix) to the Class A-II Certificateholders and the Class M-II Certificateholders on a pro rata basis, based on the amount of Relief Act Shortfalls allocated thereto, from the amount, if any, of the Group I Excess Cash Flow remaining after the foregoing distributions, 98 the amount of any Relief Act Shortfalls allocated to those Certificates with respect to such Distribution Date, to the extent not covered by distributions of the Group II Excess Cash Flow on such Distribution Date; (xx) to the Class A-I Certificateholders and the Class M-I Certificateholders, from the amount, if any, of the Group I Excess Cash Flow remaining after the foregoing distributions, the principal portion of any Realized Losses previously allocated to those Certificates and remaining unreimbursed, which amount shall be allocated first, to the Class A-I Certificateholders on a pro rata basis, based on their respective principal portion of any Realized Losses previously allocated to those Certificates and remaining unreimbursed, and then sequentially, to the Class M-I-1 Certificateholders, Class M-I-2 Certificateholders, Class M-I-3 Certificates and Class M-I-4 Certificateholders, in that order; (xxi) to the Class A-II Certificateholders and the Class M-II Certificateholders, from the amount, if any, of the Group I Excess Cash Flow remaining after the foregoing distributions, the principal portion of any Realized Losses previously allocated to those Certificates and remaining unreimbursed, to the extent not covered by distributions of the Group II Excess Cash Flow on such Distribution Date, which amount shall be allocated first, to the Class A-II Certificateholders on a pro rata basis, based on their respective principal portion of any Realized Losses previously allocated to those Certificates and remaining unreimbursed, and then sequentially, to the Class M-II-1 Certificateholders, Class M-II-2 Certificateholders, Class M-II-3 Certificateholders, Class M-II-4 Certificateholders and Class M-II-5 Certificateholders, in that order; (xxii) to the Class SB-II Certificateholders, from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the amount of any Group I Overcollateralization Reduction Amount for such Distribution Date to the extent of any Group II Diverted Excess Spread; (xxiii)to the Class SB-I Certificates, from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the sum of (A) Accrued Certificate Interest thereon and (B) the amount of any Group I Overcollateralization Reduction Amount for such Distribution Date (to the extent not distributed to the Class SB-II Certificates); (xxiv) to the Class SB-I Certificates, the amount of any payments or collections consisting of prepayment charges received on the Group I Loans (which amounts shall not be included in the Group I Available Distribution Amount) and, from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, for any Distribution Date after the Certificate Principal Balance of each Class A-I Certificate and Class M-I Certificate has been reduced to zero, an amount up to the Group I Overcollateralization Amount; and (xxv) to the Class R-IV Certificateholders, the balance, if any, of the Group I Available Distribution Amount. 99 (d) On each Distribution Date (x) the Master Servicer on behalf of the Trustee or (y) the Paying Agent appointed by the Trustee, shall distribute to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share with respect to each Class of Certificates, shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder of the following amounts, in the following order of priority, subject to the provisions of Section 4.02(e) and (f)), in each case to the extent of the Group II Available Distribution Amount on deposit in the Certificate Account (or, with respect to clause (xxv) below, to the extent of prepayment charges on deposit in the Certificate Account): (i) to the Class A-II Certificateholders, the Class A-II Distribution Amount, with such amount allocated among the Class A-II Certificateholders on a pro rata basis; (ii) to the Class M-II-1 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-II-1 Interest Distribution Amount; (iii) to the Class M-II-2 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-II-2 Interest Distribution Amount; (iv) to the Class M-II-3 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-II-3 Interest Distribution Amount; (v) to the Class M-II-4 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-II-4 Interest Distribution Amount; (vi) to the Class M-II-5 Certificateholders from the amount, if any, of the Group I Available Distribution Amount remaining after the foregoing distributions, the Class M-II-5 Interest Distribution Amount; (vii) to the Class A-II Certificateholders and Class M-II Certificateholders, the Group II Principal Distribution Amount (other than clauses (iv) and (v) of the definition thereof), in the order described in Section 4.02(f) hereof, until the Certificate Principal Balances of the Class A-II Certificates and Class M-II Certificates have been reduced to zero; (viii) to the Class A-II Certificateholders and Class M-II Certificateholders, from the Group II Excess Cash Flow an amount equal to the principal portion of Realized Losses on the Group II Loans during the immediately preceding Due Period, which amount shall be 100 included in the Group II Principal Distribution Amount and paid in accordance with Section 4.02(f) hereof, until the Certificate Principal Balances of the Class A-II Certificates and Class M-II Certificates have been reduced to zero; (ix) to the Class A-I Certificateholders and Class M-I Certificateholders, from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions an amount equal to the principal portion of Realized Losses on the Group I Loans during the immediately preceding Due Period to the extent not covered by the Group I Excess Cash Flow, which amount shall be included in the Group I Principal Distribution Amount and paid in accordance with Section 4.02(e) hereof, until the Certificate Principal Balances of the Class A-I Certificates and Class M-I Certificates have been reduced to zero; (x) to the Class A-I Certificateholders and Class M-I Certificateholders, from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the Group I Overcollateralization Increase Amount for such Distribution Date, which amount shall be included in the Group I Principal Distribution Amount and paid in accordance with Section 4.02(e) hereof, until the Certificate Principal Balances of the Class A-I Certificates and Class M-I Certificates have been reduced to zero, but only to the extent the aggregate Certificate Principal Balance of such Class A-I Certificates and Class M-I Certificates immediately prior to such Distribution Date exceeded the aggregate Stated Principal Balance of the Group I Loans at the end of the immediately preceding Due Period and to the extent not covered by the Group I Excess Cash Flow, in the order described in Section 4.02(e) with respect to the Class A-I Certificates; (xi) to the Class A-II Certificateholders and Class M-II Certificateholders, from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the Group II Overcollateralization Increase Amount for such Distribution Date, which amount shall be included in the Group II Principal Distribution Amount and paid in accordance with Section 4.02(f) hereof, until the Certificate Principal Balances of the Class A-II Certificates and Class M-II Certificates have been reduced to zero; (xii) to the Class A-I Certificateholders and Class M-I Certificateholders, from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the Group I Overcollateralization Increase Amount for such Distribution Date to the extent not covered by the Group I Excess Cash Flow for such Distribution Date, which amount shall be included in the Group I Principal Distribution Amount and paid in accordance with Section 4.02(e) hereof, until the Certificate Principal Balances of such Class A-I Certificates and Class M-I Certificates have been reduced to zero; (xiii) to the Class A-II Certificateholders and Class M-II Certificateholders from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto with respect to the Group II Loans, to the extent not covered by Eligible Master Servicing Compensation on such Distribution Date; 101 (xiv) to the Class A-I Certificateholders and Class M-I Certificateholders from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto with respect to the Group I Loans, to the extent not covered by Eligible Master Servicing Compensation and any Group I Excess Cash Flow on such Distribution Date; (xv) to the Class A-II Certificateholders and Class M-II Certificateholders from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto remaining unpaid from prior Distribution Dates together with interest thereon; (xvi) to the Class A-I Certificateholders and Class M-I Certificateholders from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto remaining unpaid from prior Distribution Dates together with interest thereon, to the extent not covered by any Group I Excess Cash Flow on such Distribution Date; (xvii) to make payments, from amounts otherwise payable to the Class SB-II Certificates (but in no event more than the Accrued Certificate Interest on such Class), (i) first, to the Reserve Fund to pay to the Class A-II, Class M-II-1, Class M-II-2, Class M-II-3, Class M-II-4 and Class M-II-5 Certificates, the amount of any Class A-II Basis Risk Shortfall Carry-Forward Amount and Class M-II Basis Risk Shortfall Carry-Forward Amount, as applicable, on such Classes of Certificates in the manner and order of priority set forth in Section 4.09(a) and (ii) second, to maintain a balance in the Reserve Fund equal to the Reserve Fund Deposit; (xviii)to make payments, from amounts otherwise payable to the Class SB-II Certificates (but in no event more than the Accrued Certificate Interest on such Class), (i) first, to the Reserve Fund to pay to the Class A-I-1, Class A-I-4, Class A-I-5, Class A-I-6, Class M-I-1, Class M-I-2, Class M-I-3 and Class M-I-4 Certificates, the amount of any Group I Net WAC Cap Shortfall Carry-Forward Amount on such Classes of Certificates in the manner and order of priority set forth in Section 4.09(a) to the extent not covered by payments pursuant to Section 4.02(c)(xvi), and (ii) second, to maintain a balance in the Reserve Fund equal to the Reserve Fund Deposit; (xix) to the Class A-II Certificateholders and the Class M-II Certificateholders on a pro rata basis, based on the amount of Relief Act Shortfalls allocated thereto, from the amount, if any, of the Group II Excess Cash Flow remaining after the foregoing distributions, the amount of any Relief Act Shortfalls allocated to those Certificates with respect to such Distribution Date; (xx) to the Class A-I Certificateholders and the Class M-I Certificateholders on a pro rata basis, based on the amount of Relief Act Shortfalls allocated thereto, from the amount, if any, of the Group II Excess Cash Flow remaining after the foregoing distributions, the amount of any Relief Act Shortfalls allocated to those Certificates with respect to such 102 Distribution Date, to the extent not covered by distributions of the Group I Excess Cash Flow on such Distribution Date; (xxi) to the Class A-II Certificateholders and the Class M-II Certificateholders, from the amount, if any, of the Group II Excess Cash Flow remaining after the foregoing distributions, the principal portion of any Realized Losses previously allocated to those Certificates and remaining unreimbursed, which amount shall be allocated first, to the Class A-II Certificateholders on a pro rata basis, based on their respective principal portion of any Realized Losses previously allocated to those Certificates and remaining unreimbursed, and then sequentially, to the Class M-II-1 Certificateholders, Class M-II-2 Certificateholders, Class M-II-3 Certificateholders, Class M-II-4 Certificateholders and Class M-II-5 Certificateholders, in that order; (xxii) to the Class A-I Certificateholders and the Class M-I Certificateholders, from the amount, if any, of the Group II Excess Cash Flow remaining after the foregoing distributions, the principal portion of any Realized Losses previously allocated to those Certificates and remaining unreimbursed, to the extent not covered by distributions of the Group I Excess Cash Flow on such Distribution Date, which amount shall be allocated first, to the Class A-I Certificateholders on a pro rata basis, based on their respective principal portion of any Realized Losses previously allocated to those Certificates and remaining unreimbursed, and then sequentially, to the Class M-I-1 Certificateholders, Class M-I-2 Certificateholders, Class M-I-3 Certificateholders and Class M-I-4 Certificateholders, in that order; (xxiii)to the Class SB-I Certificateholders, from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the amount of any Group II Overcollateralization Reduction Amount for such Distribution Date to the extent of any Group I Diverted Excess Spread; (xxiv) to the Class SB-II Certificates, from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, the sum of (A) Accrued Certificate Interest thereon and (B) the amount of any Group II Overcollateralization Reduction Amount for such Distribution Date (to the extent not distributed to the Class SB-I Certificates); (xxv) to the Class SB-II Certificates, the amount of any payments or collections consisting of prepayment charges received on the Group II Loans (which amounts shall not be included in the Group II Available Distribution Amount) and, from the amount, if any, of the Group II Available Distribution Amount remaining after the foregoing distributions, for any Distribution Date after the Certificate Principal Balance of each Class A-II Certificate and Class M-II Certificate has been reduced to zero, an amount up to the Group II Overcollateralization Amount; and (xxvi) to the Class R-IV Certificateholders, the balance, if any, of the Group II Available Distribution Amount. 103 (e) On each Distribution Date, the Group I Principal Distribution Amount will be paid as follows: (i) the Class A-I Principal Distribution Amount shall be distributed in the following manner and order of priority: (1) first, to the to the Class A-I-6 Certificates, an amount equal to the Class A-I-6 Lockout Distribution Amount for that Distribution Date, until the Certificate Principal Balance of the Class A-I-6 Certificates has been reduced to zero; and (2) second, to the Class A-I-1, Class A-I-2, Class A-I-3, Class A-I-4, Class A-I-5 and Class A-I-6 Certificates, in that order, until the Certificate Principal Balance of each such Class has been reduced to zero; (ii) the Class M-I-1 Principal Distribution Amount shall be distributed to the Class M-I-1 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (iii) the Class M-I-2 Principal Distribution Amount shall be distributed to the Class M-I-2 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (iv) the Class M-I-3 Principal Distribution Amount shall be distributed to the Class M-I-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and (v) the Class M-I-4 Principal Distribution Amount shall be distributed to the Class M-I-4 Certificates, until the Certificate Principal Balance thereof has been reduced to zero. (f) On each Distribution Date, the Group II Principal Distribution Amount will be distributed as follows: (i) the Class A-II Principal Distribution Amount shall be distributed as follows: (A) first, concurrently, the Class A-II-A Principal Distribution Amount will be distributed to the Class A-II-A Certificates, until the Certificate Principal Balance of the Class A-II-A Certificates has been reduced to zero, and the Class A-II- B Principal Distribution Amount will be distributed to the Class A-II-B Certificates, sequentially, to the Class A-II-B1 Certificates and Class A-II-B2 Certificates, in that order, in each case until the Certificate Principal Balance thereof has been reduced to zero; and 104 (B) second, any remaining Class A-II-A Principal Distribution Amount will be distributed to the Class A-II-B Certificates, sequentially, to the Class A-II-B1 Certificates and Class A-II-B2 Certificates, in that order, in each case until the Certificate Principal Balance thereof has been reduced to zero, and any remaining Class A-II-B Principal Distribution Amount will be distributed to the Class A-II-A Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (ii) the Class M-II-1 Principal Distribution Amount shall be distributed to the Class M-II-1 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (iii) the Class M-II-2 Principal Distribution Amount shall be distributed to the Class M-II-2 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (iv) the Class M-II-3 Principal Distribution Amount shall be distributed to the Class M-II-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (v) the Class M-II-4 Principal Distribution Amount shall be distributed to the Class M-II-4 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and (v) the Class M-II-5 Principal Distribution Amount shall be distributed to the Class M-II-5 Certificates, until the Certificate Principal Balance thereof has been reduced to zero. (g) Notwithstanding the foregoing clauses (c) and (d), upon the reduction of the Certificate Principal Balance of a Class of Class A Certificates or Class M Certificates to zero, such Class of Certificates will not be entitled to further distributions pursuant to Section 4.02, including, without limitation, the payment of current and unreimbursed Prepayment Interest Shortfalls pursuant to clauses (c)(xii) through (c)(xv) and (d)(xiii) through (d)(xvi), the Group I Net WAC Cap Shortfall Carry-Forward Amount pursuant to clauses (c)(xvi) and (d)(xviii) and the Class A-II Basis Risk Shortfall Carry-Forward Amount and Class M-II Basis Risk Shortfall Carry-Forward Amount pursuant to clauses (c)(xvii) and (d)(xvii). (h) Any Prepayment Interest Shortfalls on the Group I Loans which are not covered by Eligible Master Servicing Compensation as described in Section 3.16 and Relief Act Shortfalls on the Group I Loans will be allocated among the Class A-I Certificates and Class M-I Certificates pro rata in accordance with the amount of Accrued Certificate Interest payable from the related Loan Group on such Distribution Date absent such shortfalls. Any such uncovered Prepayment Interest Shortfalls will be paid solely pursuant to Section 4.02(c)(xii) and (xiv) and (d)(xiv) and (xvi), to the extent funds are available therefor. Any such Relief Act Shortfalls will be paid solely pursuant to Section 4.02(c)(xviii) and (d)(xx), to the extent funds are available therefor. Any Prepayment Interest Shortfalls on the Group II Loans which are not covered by Eligible Master Servicing Compensation as described in Section 3.16 and Relief Act Shortfalls on the Group II Loans will be 105 allocated among the Class A-II Certificates and Class M-II Certificates pro rata in accordance with the amount of Accrued Certificate Interest payable from the related Loan Group on such Distribution Date absent such shortfalls. Any such uncovered Prepayment Interest Shortfalls will be paid solely pursuant to Section 4.02(c)(xiii) and (xv) and (d)(xiii) and (xv), to the extent funds are available therefor. Any such Relief Act Shortfalls will be paid solely pursuant to Section 4.02(c)(xix) and (d)(xix), to the extent funds are available therefor. (i) In addition to the foregoing distributions, with respect to any Subsequent Recoveries, the Master Servicer shall deposit such funds into the Custodial Account pursuant to Section 3.07(b)(iii). (j) 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 Certificate Registrar, the Depositor or the Master Servicer shall have any responsibility therefor except as otherwise provided by this Agreement or applicable law. (k) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates 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 Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the prior calendar month. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d). Section 4.03. Statements to Certificateholders; Statements to Rating Agencies; Exchange Act Reporting. (a) Concurrently with each distribution charged to the Certificate Account and with respect to each Distribution Date the Master Servicer shall forward to the Trustee and the Trustee shall forward by mail or otherwise make available electronically on its website (which may be obtained by any Certificateholder by telephoning the Trustee at (877) 722-1095) to each Holder and the Depositor a statement setting forth the following information as to each Class of Certificates, in each case to the extent applicable: 106 (i) (A)the amount of such distribution to the Certificateholders of such Class applied to reduce the Certificate Principal Balance thereof, and (B) the aggregate amount included therein representing Principal Prepayments; (ii) the amount of such distribution to Holders of such Class of Certificates allocable to interest; (iii) if the distribution to the Holders of such Class of Certificates is less than the full amount that would be distributable to such Holders if there were sufficient funds available therefor, the amount of the shortfall; (iv) the amount of any Advance by the Master Servicer with respect to the Group I Loans and Group II Loans pursuant to Section 4.04; (v) the number of Group I Loans and Group II Loans and the Stated Principal Balance after giving effect to the distribution of principal on such Distribution Date; (vi) the aggregate Certificate Principal Balance of each Class of the Certificates, after giving effect to the amounts distributed on such Distribution Date, separately identifying any reduction thereof due to Realized Losses other than pursuant to an actual distribution of principal; (vii) on the basis of the most recent reports furnished to it by Subservicers, (a) the number and aggregate principal balances of Group I Loans and Group II Loans that are Delinquent (1) one month, (2) two months and (3) three or more months and the number and aggregate principal balance of Group I Loans and Group II Loans that are in foreclosure, (b) the number and aggregate principal balances of Group I Loans and Group II Loans that are Reportable Modified Mortgage Loans that are Delinquent (1) one month, (2) two months and (3) three or more months and the number and aggregate principal balance of Group I Loans and Group II Loans that are Reportable Modified Mortgage Loans that are in foreclosure and are REO Property, indicating in each case capitalized Mortgage Loans, other Servicing Modifications and totals, and (c) for all Group I Loans and Group II Loans that are Reportable Modified Mortgage Loans, the number and aggregate Stated Principal Balance of Group I Loans and Group II Loans that are Reportable Modified Mortgage Loans that have been liquidated, the subject of pay-offs and that have been repurchased by the Master Servicer or Seller; (viii) the number, aggregate principal balance and book value of any REO Properties; (ix) the aggregate Accrued Certificate Interest remaining unpaid, if any, for each Class of Certificates, after giving effect to the distribution made on such Distribution Date; (x) the aggregate amount of Realized Losses for such Distribution Date and the aggregate amount of Realized Losses on the Group I Loans and Group II Loans incurred since the Cut-off Date; 107 (xi) the Pass-Through Rate on each Class of Certificates, the Group I Net WAC Cap Rate and the Group II Net WAC Cap Rate; (xii) the weighted average of the Maximum Net Mortgage Rates on the Group I Loans and Group II Loans; (xiii) the Group I Net WAC Cap Shortfall, Group I Net WAC Cap Shortfall Carry- Forward Amount, Class A-II Basis Risk Shortfall, Class A-II Basis Risk Shortfall Carry- Forward Amount, Class M-II Basis Risk Shortfall, Class M-II Basis Risk Shortfall Carry- Forward Amount and Group I and Group II Prepayment Interest Shortfalls; (xiv) the Group I and Group II Overcollateralization Amount and the Group I and Group II Required Overcollateralization Amount following such Distribution Date; (xv) the number and aggregate principal balance of Group I Loans and Group II Loans repurchased under Section 4.07 or Section 4.08; (xvi) the aggregate amount of any recoveries on previously foreclosed loans from Residential Funding due to a breach of representation or warranty; (xvii) the weighted average remaining term to maturity of the Group I Loans and Group II Loans after giving effect to the amounts distributed on such Distribution Date; (xviii)the weighted average Mortgage Rates of the Group I Loans and Group II Loans after giving effect to the amounts distributed on such Distribution Date; (xix) the aggregate of any deposits to and withdrawals from the Reserve Fund for such Distribution Date and the remaining amount on deposit in the Reserve Fund after such deposits and withdrawals; and (xx) the amount if any, to be paid by a Derivative Counterparty under a Derivative Contract. In the case of information furnished pursuant to clauses (i) and (ii) above, the amounts shall be expressed as a dollar amount per Certificate with a $1,000 denomination. In addition to the statement provided to the Trustee as set forth in this Section 4.03(a), the Master Servicer shall provide to any manager of a trust fund consisting of some or all of the Certificates, upon reasonable request, such additional information as is reasonably obtainable by the Master Servicer at no additional expense to the Master Servicer. Also, at the request of a Rating Agency, the Master Servicer shall provide the information relating to the Reportable Modified Mortgage Loans substantially in the form attached hereto as Exhibit S to such Rating Agency within a reasonable period of time; provided, however, that the Master Servicer shall not be required to provide such information more than four times in a calendar year to any Rating Agency. (b) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and the Trustee shall forward, or cause to be 108 forwarded, to each Person who at any time during the calendar year was the Holder of a Certificate, other than a Class R Certificate, a statement containing the information set forth in clauses (i) and (ii) of subsection (a) above aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Master Servicer and Trustee shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Master Servicer and Trustee pursuant to any requirements of the Code. (c) As soon as reasonably practicable, upon the written request of any Certificateholder, the Master Servicer shall provide the requesting Certificateholder with such information as is necessary and appropriate, in the Master Servicer's sole discretion, for purposes of satisfying applicable reporting requirements under Rule 144A. (d) The Master Servicer shall, on behalf of the Depositor and in respect of the Trust Fund, sign and cause to be filed with the Commission any periodic reports required to be filed under the provisions of the Exchange Act, and the rules and regulations of the Commission thereunder. In connection with the preparation and filing of such periodic reports, the Trustee shall timely provide to the Master Servicer (I) a list of Certificateholders as shown on the Certificate Register as of the end of each calendar year, (II) copies of all pleadings, other legal process and any other documents relating to any claims, charges or complaints involving the Trustee, as trustee hereunder, or the Trust Fund that are received by the Trustee, (III) notice of all matters that, to the actual knowledge of a Responsible Officer of the Trustee, have been submitted to a vote of the Certificateholders, other than those matters that have been submitted to a vote of the Certificateholders at the request of the Depositor or the Master Servicer, and (IV) notice of any failure of the Trustee to make any distribution to the Certificateholders as required pursuant to this Agreement. Neither the Master Servicer nor the Trustee shall have any liability with respect to the Master Servicer's failure to properly prepare or file such periodic reports resulting from or relating to the Master Servicer's inability or failure to obtain any information not resulting from the Master Servicer's own negligence or willful misconduct. Any Form 10-K filed with the Commission in connection with this clause (d) shall include a certification, signed by the senior officer in charge of the servicing functions of the Master Servicer, in the form attached as Exhibit R-1 hereto or such other form as may be required or permitted by the Commission (the "Form 10-K Certification"), in compliance with Rule 13a-14 and 15d-14 under the Exchange Act and any additional directives of the Commission. In connection with the Form 10-K Certification, the Trustee shall provide the Master Servicer with a back-up certification substantially in the form attached hereto as Exhibit R-2. This Section 4.03(d) may be amended in accordance with this Agreement without the consent of the Certificateholders. Section 4.04. Distribution of Reports to the Trustee and the Depositor; Advances by the Master Servicer. (a) Prior to the close of business on the Business Day next succeeding each Determination Date, the Master Servicer shall furnish a written statement (which may be in a mutually agreeable electronic format) to the Trustee, any Paying Agent and the Depositor (the information in such statement to be made available to Certificateholders by the Master Servicer on request) (provided that the Master Servicer will use its best efforts to deliver such written statement not later than 12:00 p.m. New York time on the second Business Day prior to the Distribution Date) setting forth (i) the Group I and Group II Available Distribution Amounts, (ii) the amounts required 109 to be withdrawn from the Custodial Account and deposited into the Certificate Account and Insurance Account on the immediately succeeding Certificate Account Deposit Date pursuant to clause (iii) of Section 4.01(a), (iii) the amounts required to be withdrawn from and deposited into the Reserve Fund pursuant to Section 4.09, (iv) the amount of Prepayment Interest Shortfalls, Group I Net WAC Cap Shortfalls, Class A-II Basis Risk Shortfall, Class M-II Basis Risk Shortfall, Group I Net WAC Cap Shortfall Carry-Forward Amounts, Class A-II Basis Risk Shortfall Carry-Forward Amounts and Class M-II Basis Risk Shortfall Carry-Forward Amounts and (v) the amount payable by the Derivative Counterparties to the Trustee under the Derivative Contracts as provided in Section 4.11. The determination by the Master Servicer of such amounts shall, in the absence of obvious error, be presumptively deemed to be correct for all purposes hereunder and the Trustee shall be protected in relying upon the same without any independent check or verification. (b) On or before 2:00 P.M. New York time on each Certificate Account Deposit Date, the Master Servicer shall either (i) remit to the Trustee for deposit in the Certificate Account from its own funds, or funds received therefor from the Subservicers, an amount equal to the Advances to be made by the Master Servicer in respect of the related Distribution Date, which shall be in an aggregate amount equal to the aggregate amount of Monthly Payments (with each interest portion thereof adjusted to a per annum rate equal to the Net Mortgage Rate), less the amount of any related Servicing Modifications, Debt Service Reductions or reductions in the amount of interest collectable from the Mortgagor pursuant to the Relief Act or similar legislation or regulations then in effect, on the Outstanding Mortgage Loans as of the related Due Date in the related Due Period, which Monthly Payments were due during the related Due Period and not received as of the close of business as of the related Determination Date; provided that no Advance shall be made if it would be a Nonrecoverable Advance, (ii) withdraw from amounts on deposit in the Custodial Account and deposit in the Certificate Account all or a portion of the Amount Held for Future Distribution in discharge of any such Advance, or (iii) make advances in the form of any combination of (i) and (ii) aggregating the amount of such Advance. Any portion of the Amount Held for Future Distribution so used shall be replaced by the Master Servicer by deposit in the Certificate Account on or before 11:00 A.M. New York time on any future Certificate Account Deposit Date to the extent that funds attributable to the Mortgage Loans that are available in the Custodial Account for deposit in the Certificate Account on such Certificate Account Deposit Date shall be less than payments to Certificateholders required to be made on the following Distribution Date. The Master Servicer shall be entitled to use any Advance made by a Subservicer as described in Section 3.07(b) that has been deposited in the Custodial Account on or before such Distribution Date as part of the Advance made by the Master Servicer pursuant to this Section 4.04.The determination by the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by a certificate of a Servicing Officer delivered to the Depositor and the Trustee. In the event that the Master Servicer determines as of the Business Day preceding any Certificate Account Deposit Date that it will be unable to deposit in the Certificate Account an amount equal to the Advance required to be made for the immediately succeeding Distribution Date, it shall give notice to the Trustee of its inability to advance (such notice may be given by telecopy), not later than 3:00 P.M., New York time, on such Business Day, specifying the portion of such amount that it will be unable to deposit. Not later than 3:00 P.M., New York time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00 Noon, New York time, on such day the Trustee shall have been notified in writing (by telecopy) that the Master Servicer shall have directly or indirectly deposited in the Certificate Account such portion of the amount of 110 the Advance as to which the Master Servicer shall have given notice pursuant to the preceding sentence, pursuant to Section 7.01, (a) terminate all of the rights and obligations of the Master Servicer under this Agreement in accordance with Section 7.01 and (b) assume the rights and obligations of the Master Servicer as successor Master Servicer hereunder, including the obligation to deposit in the Certificate Account an amount equal to the Advance for the immediately succeeding Distribution Date. In connection with the preceding sentence, the Trustee shall deposit all funds it receives pursuant to this Section 4.04 into the Certificate Account. Section 4.05. Allocation of Realized Losses. ----------------------------- (a) Prior to each Distribution Date, the Master Servicer shall determine the total amount of Realized Losses, if any, that resulted from any Cash Liquidation, Servicing Modifications, Debt Service Reduction, Deficient Valuation or REO Disposition that occurred during the related Prepayment Period or, in the case of a Servicing Modification that constitutes a reduction of the interest rate on a Mortgage Loan, the amount of the reduction in the interest portion of the Monthly Payment due in the month in which such Distribution Date occurs. The amount of each Realized Loss shall be evidenced by an Officers' Certificate. (1) All Realized Losses on the Group I Loans shall be allocated as follows: first, to Group I Excess Cash Flow as provided in Section 4.02(c)(vii), to the extent of the Group I Excess Cash Flow for such Distribution Date; second, to the Group II Excess Cash Flow as provided in Section 4.02(d)(ix), to the extent of the Group II Excess Cash Flow for such Distribution Date remaining after distributions pursuant to Section 4.02(d)(viii); third, in reduction of the Group I Overcollateralization Amount, until the earlier of: (1) such amount has been reduced to zero or (2) the aggregate Certificate Principal Balance of the Class A Certificates and Class M Certificates equals the aggregate Stated Principal Balance of the Group I Loans and Group II Loans; fourth, in reduction of the Group II Overcollateralization Amount until such amount is reduced to zero, meaning, that no additional Realized Losses will be allocated under any subsequent clause until the aggregate Certificate Principal Balance of the Class A Certificates and Class M Certificates equals the aggregate Stated Principal Balance of the Group I Loans and Group II Loans; fifth, to the M-I-4 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-I-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; 111 seventh, to the Class M-I-2 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; eighth, to the Class M-I-1 Certificates, until the Certificate Principal thereof has been reduced to zero; and ninth, to the Class A-I Certificates, with such amount allocated among each Class of Class A-I Certificates on a pro rata basis, based on the outstanding Certificate Principal Balance of each such Class prior to giving effect to distributions to be made on that Distribution Date, until the Certificate Principal Balance of each such Class has been reduced to zero. (2) All Realized Losses on the Group II Loans shall be allocated as follows: first, to the Group II Excess Cash Flow as provided in Section 4.02(d)(viii), to the extent of the Group II Excess Cash Flow for such Distribution Date; second, to the Group I Excess Cash Flow as provided in Section 4.02(c)(viii), to the extent of the Group I Excess Cash Flow for such Distribution Date remaining after distributions pursuant to Section 4.02(c)(vii); third, in reduction of the Group II Overcollateralization Amount, until the earliest of: (1) such amount has been reduced to zero or (2) the aggregate Certificate Principal Balance of the Class A Certificates and Class M Certificates equals the aggregate Stated Principal Balance of the Group I Loans and Group II Loans; fourth, in reduction of the Group I Overcollateralization Amount, meaning, that no additional Realized Losses will be allocated to any Class of Certificates until the aggregate Certificate Principal Balance of the Class A Certificates and Class M Certificates equals the aggregate Stated Principal Balance of the Group I Loans and Group II Loans; fifth, to the Class M-II-5 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-II-4 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; seventh, to the Class M-II-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; ninth, to the Class M-II-2 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; 112 tenth, to the Class M-II-1 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and eleventh, for losses on the Group II-A Loans, to the Class A-II-A Certificates, and for losses on the Group II-B Loans, to the Class A-II-B Certificates, on a pro rata basis, in each case until the Certificate Principal Balance thereof has been reduced to zero. (b) Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Class A Certificates or Class M Certificates shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated, which allocation shall be deemed to have occurred on such Distribution Date; provided that no such reduction shall reduce the Certificate Principal Balance of the Class A-I Certificates or Class A-II Certificates below the aggregate Stated Principal Balance of the Group I Loans or Group II Loans, as applicable. Allocations of the interest portions of Realized Losses (other than any interest rate reduction resulting from a Servicing Modification) shall be made by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(c) and (d). Allocations of the interest portion of a Realized Loss resulting from an interest rate reduction in connection with a Servicing Modification shall be made by operation of the provisions of Section 4.02(c) and (d). 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. (c)(i) All Realized Losses on the Group I Loans shall be allocated on each Distribution Date to REMIC I Regular Interest A, until the Uncertificated Balance of REMIC I Regular Interest A has been reduced to zero. All Realized Losses on the Group II Loans shall be allocated on each Distribution Date to REMIC II Regular Interest B, until the Uncertificated Balance of REMIC II Regular Interest B has been reduced to zero. (ii) All Realized Losses on the Group I Loans shall be allocated on each Distribution Date to the following REMIC III Group I Regular Interests in the specified percentages, as follows: first, to Uncertificated Accrued Interest payable to the REMIC III Group I Regular Interests I-AA and I-ZZ up to an aggregate amount equal to the excess of (a) the REMIC III Group I Interest Loss Allocation Amount over (b) Prepayment Interest Shortfalls (to the extent not covered by Eligible Master Servicing Compensation) relating to the Group I Loans for such Distribution Date, 98% and 2%, respectively; second, to the Uncertificated Principal Balances of the REMIC III Group I Regular Interests I-AA and I-ZZ up to an aggregate amount equal to the REMIC III Group I Principal Loss Allocation Amount, 98% and 2%, respectively; third, to the Uncertificated Principal Balances of REMIC III Group I Regular Interests I-AA, M-I-4 and I-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Balance of REMIC III Group I Regular Interest M-I-4 has been reduced to zero; fourth, to the Uncertificated Principal Balances of REMIC III Group I Regular Interests I-AA, M-I-3 and I-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Balance of REMIC III Group I Regular Interest M-I-3 has been reduced to zero; fifth, to the Uncertificated Principal Balances of REMIC III Group I Regular Interests I-AA, M-I-2, and I-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Balance of REMIC III Group I Regular Interest M-I-2 has been reduced to zero; sixth, to the Uncertificated Principal Balances of REMIC III Group I Regular Interests I-AA, M-I-1, and I-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Balance of REMIC III Group I 113 Regular Interest M-I-1 has been reduced to zero; and seventh, to the Uncertificated Principal Balances of REMIC III Group I Regular Interests I-AA, 98%, A-I-1, A-I-2, A-I-3, A-I-4, A-I-5 and A-I-6, 1% pro rata, and I-ZZ, 1%, until the Uncertificated Balance of each of REMIC III Group I Regular Interests A-I-1, A-I-2, A-I-3, A-I-4, A-I-5 and A-I-6 have been reduced to zero. (iii) All Realized Losses on the Group II Loans shall be allocated on each Distribution Date to the following REMIC III Group II Regular Interests in the specified percentages, as follows: first, to Uncertificated Accrued Interest payable to the REMIC III Group II Regular Interests II-AA and II-ZZ up to an aggregate amount equal to the excess of (a) the REMIC III Group II Interest Loss Allocation Amount over (b) Prepayment Interest Shortfalls (to the extent not covered by Eligible Master Servicing Compensation) relating to the Group II Loans for such Distribution Date, 98% and 2%, respectively; second, to the Uncertificated Principal Balances of the REMIC III Group II Regular Interests II-AA and II-ZZ up to an aggregate amount equal to the REMIC III Group II Principal Loss Allocation Amount, 98% and 2%, respectively; third, to the Uncertificated Principal Balances of REMIC III Group II Regular Interests II-AA, M-II-5 and II-ZZ, 98%, 1% and 1% until the Uncertificated Balance of REMIC III Group II Regular Interest M-II-5 has been reduced to zero; fourth, to the Uncertificated Principal Balances of REMIC III Group II Regular Interests II-AA, M-II- 4 and II-ZZ, 98%, 1% and 1% until the Uncertificated Balance of REMIC III Group II Regular Interest M-II-4 has been reduced to zero; fifth, to the Uncertificated Principal Balances of REMIC III Group II Regular Interests II-AA, M-II-3 and II-ZZ, 98%, 1% and 1% until the Uncertificated Balance of REMIC III Group II Regular Interest M-II-3 has been reduced to zero; sixth, to the Uncertificated Principal Balances of REMIC III Group II Regular Interests II-AA, M-II-2 and II-ZZ, 98%, 1% and 1% until the Uncertificated Balance of REMIC III Group II Regular Interest M-II-2 has been reduced to zero; seventh, to the Uncertificated Principal Balances of REMIC III Group II Regular Interests II-AA, M-II-1 and II-ZZ, 98%, 1% and 1% until the Uncertificated Balance of REMIC III Group II Regular Interest M-II-1 has been reduced to zero; and eighth, to the Uncertificated Principal Balances of REMIC III Group II Regular Interests II-AA, 98%, losses on the Group II-A Loans to REMIC III Group II Regular Interest A-II-A and losses on the Group II-B Loans to REMIC III Group II Regular Interest A-II-B1 and A-II-B2, on a pro rata basis, 1%, and II- ZZ, 1%, until the Uncertificated Balance of each of REMIC III Group II Regular Interests A-II-A, A-II-B1 and A-II-B2 have been reduced to zero. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. The Master Servicer or the Subservicers shall file information returns with respect to the receipt of mortgage interest received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the informational returns relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P of the Code, respectively, and deliver to the Trustee an Officers' Certificate on or before March 31 of each year stating that such reports have been filed. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by such Sections 6050H, 6050J and 6050P of the Code. Section 4.07. Optional Purchase of Defaulted Mortgage Loans. 114 As to any Mortgage Loan which is delinquent in payment by 90 days or more, the Master Servicer may, at its option, purchase such Mortgage Loan from the Trustee at the Purchase Price therefor. If at any time the Master Servicer makes a payment to the Certificate Account covering the amount of the Purchase Price for such a Mortgage Loan, and the Master Servicer provides to the Trustee a certification signed by a Servicing Officer stating that the amount of such payment has been deposited in the Certificate Account, then the Trustee shall execute the assignment of such Mortgage Loan at the request of the Master Servicer without recourse to the Master Servicer which shall succeed to all the Trustee's right, title and interest in and to such Mortgage Loan, and all security and documents relative thereto. Such assignment shall be an assignment outright and not for security. The Master Servicer will thereupon own such Mortgage, and all such security and documents, free of any further obligation to the Trustee or the Certificateholders with respect thereto. Section 4.08. Limited Mortgage Loan Repurchase Right. The Limited Repurchase Right Holder will have the irrevocable option at any time to purchase any of the Mortgage Loans from the Trustee at the Purchase Price, up to a maximum of five Mortgage Loans. In the event that this option is exercised as to any five Mortgage Loans in the aggregate, this option will thereupon terminate. If at any time the Limited Repurchase Right Holder makes a payment to the Certificate Account covering the amount of the Purchase Price for such a Mortgage Loan, and the Limited Repurchase Right Holder provides to the Trustee a certification signed by a Servicing Officer stating that the amount of such payment has been deposited in the Certificate Account, then the Trustee shall execute the assignment of such Mortgage Loan at the request of the Limited Repurchase Right Holder without recourse to the Limited Repurchase Right Holder which shall succeed to all the Trustee's right, title and interest in and to such Mortgage Loan, and all security and documents relative thereto. Such assignment shall be an assignment outright and not for security. The Limited Repurchase Right Holder will thereupon own such Mortgage, and all such security and documents, free of any further obligation to the Trustee or the Certificateholders with respect thereto. Any tax on "prohibited transactions" (as defined in Section 860F(a)(2) of the Code) imposed on any REMIC relating to the exercise of the option provided in this Section 4.08 shall in no event be payable by the Trustee. Section 4.09. Distribution of Group I Net WAC Cap Shortfall Carry-Forward Amounts, Class A-II Basis Risk Shortfall Carry-Forward Amounts and Class M-II Basis Risk Shortfall Carry-Forward Amounts; Reserve Fund. (a) On the Closing Date, the Trustee shall establish and maintain in its name, in trust for the benefit of Class A Certificates and Class M Certificates, the Reserve Fund. In addition, on the Closing Date, the Trustee shall deposit into the Reserve Fund the Reserve Fund Deposit to the extent received by the Trustee from the Depositor. On each Distribution Date, the Trustee shall transfer from the Certificate Account to the Reserve Fund the amounts specified pursuant to Sections 4.02(c)(xvi) and (xvii) and 4.02(d)(xvii) and (xviii). On each Distribution Date, to the extent required, the Trustee shall make withdrawals from the Reserve Fund and use the amounts in the Reserve Fund to make distributions to the Class A Certificates and Class M Certificates as follows: (I) Solely from amounts deposited in the Reserve Fund pursuant to Section 4.02(c)(xvii) and 4.02(d)(xvii), as follows: 115 (A) first, to the Class A-II-A Certificates and Class A-II-B Certificates, in an amount equal to any Class A-II Basis Risk Shortfall Carry-Forward Amount, concurrently on a pro rata basis, based on the amount of any Class A-II Basis Risk Shortfall Carry-Forward Amount for such Classes of Certificates; (B) second, to the Class M-II-1, Class M-II-2, Class M-II-3, Class M-II-4 and Class M-II-5 Certificates, in that order, in an amount equal to any Class M-II Basis Risk Shortfall Carry-Forward Amount; and (C) third, to the Class SB-II Certificates; and (II) Solely from amounts deposited in the Reserve Fund pursuant to Section 4.02(c)(xvi) and 4.02(d)(xviii), as follows: (A) first, to the Class A-I-1, Class A-I-4, Class A-I-5 and Class A-I-6 Certificates, in an amount equal to any Group I Net WAC Cap Shortfall Carry- Forward Amount, concurrently on a pro rata basis, based on the amount of any Group I Net WAC Cap Shortfall Carry-Forward Amount for such Classes of Certificates; (B) second, to the Class M-I-1, Class M-I-2, Class M-I-3 and Class M-I-4 Certificates, in that order, in an amount equal to any Group I Net WAC Cap Shortfall Carry-Forward Amount; and (C) third, to the Class SB-I Certificates. Any such amounts transferred shall be treated for federal tax purposes as amounts distributed by REMIC IV to either the Class SB-I or Class SB-II Certificateholders as transferee thereof. On each Distribution Date, to the extent that the balance of deposits in the Reserve Fund is in excess of $5,000 after the distributions described in the second preceding sentence, the Trustee shall, based upon the information provided by the Master Servicer, withdraw from the Reserve Fund (to the extent of funds available on deposit therein) such amounts in excess of $5,000, if any, and distribute them to the holder of the Reserve Fund Residual Right. (b) The Reserve Fund shall be an Eligible Account. Amounts held in the Reserve Fund from time to time shall continue to constitute assets of the Trust Fund, but not of the REMICs, until released from the Reserve Fund pursuant to this Section 4.09. The Reserve Fund constitutes an "outside reserve fund" within the meaning of Treasury Regulation Section 1.860G-2(h) and is not an asset of the REMICs. The Class SB-I and Class SB-II Certificateholders shall be the owners of the Reserve Fund, and for all federal tax purposes, amounts transferred by the REMICs to the Reserve Fund shall be treated as amounts distributed by the REMICs to either the Class SB-I Certificateholders or the Class SB-II Certificateholders as designated in Section 4.02(c) and (d). The Trustee shall keep records that accurately reflect the funds on deposit in the Reserve Fund. The Trustee shall, at the direction of the Master Servicer, invest amounts on deposit in the Reserve Fund in Permitted Investments. In the absence of written direction to the Trustee from the Master Servicer, all funds in the Reserve Fund shall remain uninvested. On each Distribution Date, the Trustee shall distribute any interest on the Reserve Fund to the holder of the Reserve Fund Residual Right. 116 (c) The holder of the Reserve Fund Residual Right with respect to the Reserve Fund shall initially be Residential Funding as holder of the Class SB-I Certificates and Class SB-II Certificates, and such Reserve Fund Residual Right shall at all times be owned by and allocated to Class SB-I Certificates and Class SB-II Certificates on a pro rata basis. So long as Residential Funding is the holder of the Class SB-I Certificates and Class SB-II Certificates, any amounts payable to the holder of the Reserve Fund Residual Right shall be payable to Residential Funding. In the event of a transfer of the ownership in any of the Class SB-I Certificates and Class SB-II Certificates by Residential Funding, the Reserve Fund Residual Right will be transferred along with such Class SB-I Certificates and Class SB-II Certificates. Section 4.10. [Reserved]. Section 4.11. Derivative Contracts. -------------------- (a) The Trustee shall, at the direction of the Master Servicer, on behalf of the Trust Fund, enter into Derivative Contracts, solely for the benefit of the Class SB Certificates. Any such Derivative Contract shall constitute a fully prepaid agreement. The Master Servicer shall determine, in its sole discretion, whether any Derivative Contract conforms to the requirements of Section 4.11(b) and (c). Any acquisition of a Derivative Contract shall be accompanied by an appropriate amendment to this Agreement, including an Opinion of Counsel, as provided in Section 11.01, and either (i) an Opinion of Counsel to the effect that the existence of the Derivative Contract will not adversely affect the availability of the exemptive relief afforded under ERISA by U.S. Department of Labor Prohibited Transaction Exemption 94-29, as most recently amended, 67 Fed. Reg. 54487 (August 22, 2002), or Prohibited Transaction Class Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995), to the Holders of the Class A Certificates or the Class M Certificates, respectively, as of the date the Derivative Contract is entered into by the Trustee or (ii) the consent of each Holder of a Class A Certificate or a Class M Certificate to the acquisition of such Derivative Contract. All collections, proceeds and other amounts in respect of the Derivative Contracts payable by the Derivative Counterparty shall be distributed to the Class SB Certificates on the Distribution Date following receipt thereof by the Trustee. In no event shall such an instrument constitute a part of any REMIC created hereunder. In addition, in the event any such instrument is deposited, the Trust Fund shall be deemed to be divided into two separate and discrete sub-Trusts. The assets of one such sub-Trust shall consist of all the assets of the Trust other than such instrument and the assets of the other sub-Trust shall consist solely of such instrument. (b) Any Derivative Contract that provides for any payment obligation on the part of the Trust Fund must (i) be without recourse to the assets of the Trust Fund, (ii) contain a non-petition covenant provision from the Derivative Counterparty, (iii) limit payment dates thereunder to Distribution Dates and (iv) contain a provision limiting any cash payments due to the Derivative Counterparty on any day under such Derivative Contract solely to funds available therefor in the Certificate Account available to make payments to the Holders of the Class SB Certificates on such Distribution Date. (c) Each Derivative Contract must (i) provide for the direct payment of any amounts by the Derivative Counterparty thereunder to the Certificate Account at least one Business Day prior to the related Distribution Date, (ii) contain an assignment of all of the Trust Fund's rights (but none 117 of its obligations) under such Derivative Contract to the Trustee on behalf the Class SB Certificateholders and shall include an express consent to the Derivative Counterparty to such assignment, (iii) provide that in the event of the occurrence of an Event of Default, such Derivative Contract shall terminate upon the direction of a majority Percentage Interest of the Class SB Certificates, and (iv) prohibit the Derivative Counterparty from "setting-off' or "netting" other obligations of the Trust Fund and its Affiliates against such Derivative Counterparty's payment obligations thereunder. 118 ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. ---------------- (a) The Class A, Class M, Class SB and Class R Certificates shall be substantially in the forms set forth in Exhibits A, B, C and D, respectively, and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery to or upon the order of the Depositor upon receipt by the Trustee or one or more Custodians of the documents specified in Section 2.01. The Class A, Class M-I-1 and Class M-II-1 Certificates shall be issuable in minimum dollar denominations of $25,000 and integral multiples of $1 in excess thereof. The Class M-I-2, Class M-I-3, Class M-I-4, Class M-II-2, Class M-II-3, Class M-II-4 and Class M-II-5 Certificates shall be issuable in minimum dollar denominations of $250,000 and integral multiples of $1 in excess thereof. The Class SB Certificates shall be issuable in registered, certificated form in minimum percentage interests of 5.00% and integral multiples of 0.01% in excess thereof. Each Class of Class R Certificates shall be issued in registered, certificated form in minimum percentage interests of 20.00% and integral multiples of 0.01% in excess thereof; provided, however, that one Class R Certificate of each Class will be issuable to the REMIC Administrator as "tax matters person" pursuant to Section 10.01(c) in a minimum denomination representing a Percentage Interest of not less than 0.01%.The Certificates shall be executed by manual or facsimile signature on behalf of an authorized officer of the Trustee. Certificates bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Trustee shall bind the Trustee, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Certificate 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 for herein executed by the Certificate Registrar by manual signature, and such certificate upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication. (b) The Class A Certificates and Class M Certificates shall initially be issued as one or more Certificates 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 Trustee 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 each such Class A Certificate and Class M Certificate through the book-entry facilities of the Depository and, except as provided below, shall not be entitled to 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 transfer the Ownership Interests only 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. 119 The Trustee, the Master Servicer and the Depositor may for all purposes (including the making of payments due on the respective Classes of Book-Entry Certificates) deal with the Depository as the authorized representative of the Certificate Owners with respect to the respective Classes of Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder. The rights of Certificate Owners with respect to the respective Classes of 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 any Class of 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 Trustee 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, with the consent of a majority of the Certificateholders, advises the Trustee 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) the Depositor at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository, the Trustee 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 Trustee of the Book-Entry Certificates by the Depository, accompanied by registration instructions from the Depository for registration of transfer, the Trustee shall issue the Definitive Certificates. In addition, if an Event of Default has occurred and is continuing, each Certificate Owner materially adversely affected thereby may at its option request a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in the related Class of Certificates. In order to make such request, such Certificate Owner shall, subject to the rules and procedures of the Depository, provide the Depository or the related Depository Participant with directions for the Trustee to exchange or cause the exchange of the Certificate Owner's interest in such Class of Certificates for an equivalent Percentage Interest in fully registered definitive form. Upon receipt by the Trustee of instruction from the Depository directing the Trustee to effect such exchange (such instructions to contain information regarding the Class of Certificates and the Certificate Principal Balance being exchanged, the Depository Participant account to be debited with the decrease, the registered holder of and delivery instructions for the Definitive Certificates and any other information reasonable required by the Trustee), (i) the Trustee shall instruct the Depository to reduce the related Depository Participant's account by the aggregate Certificate Principal Balance of the Definitive Certificates, (ii) the Trustee shall execute, authenticate and deliver, in accordance with the registration and delivery instructions provided by the Depository, a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in such Class of Certificates and (iii) the Trustee shall execute and authenticate a new Book-Entry Certificate reflecting the reduction in the aggregate Certificate Principal Balance of such Class of Certificates by the amount of the Definitive Certificates. Neither the Depositor, the Master Servicer nor the Trustee shall be liable for any actions taken by the Depository or its nominee, including, without limitation, any delay in delivery of any instruction required under this section 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 in connection with the issuance of the Definitive Certificates pursuant to this Section 5.01 shall be deemed to be imposed upon and performed by the 120 Trustee, and the Trustee and the Master Servicer shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (c) Each of the Certificates is intended to be a "security" governed by Article 8 of the Uniform Commercial Code as in effect in the State of New York and any other applicable jurisdiction, to the extent that any of such laws may be applicable. Section 5.02. Registration of Transfer and Exchange of Certificates. ----------------------------------------------------- (a) The Trustee shall cause to be kept at one of the offices or agencies to be appointed by the Trustee, in accordance with the provisions of Section 8.11, a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Trustee shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The Trustee is initially appointed Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. The Certificate Registrar, or the Trustee, shall provide the Master Servicer with a certified list of Certificateholders as of each Record Date prior to the related Determination Date. (b) Upon surrender for registration of transfer of any Certificate at any office or agency of the Trustee maintained for such purpose pursuant to Section 8.11 and, in the case of any Class SB or Class R Certificate, upon satisfaction of the conditions set forth below, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of a like Class and aggregate Percentage Interest. (c) At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized denominations of a like Class and aggregate Percentage Interest, upon surrender of the Certificates to be exchanged at any such office or agency. Whenever any Certificates are so surrendered for exchange the Trustee shall execute and the Certificate Registrar shall authenticate and deliver the Certificates of such Class 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 Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing. (d) No transfer, sale, pledge or other disposition of a Class SB or Class R Certificate shall be made unless such transfer, sale, pledge or other disposition is exempt from the registration requirements of the Securities Act of 1933, as amended (the "1933 Act"), and any applicable state securities laws or is made in accordance with said Act and laws. Except as otherwise provided in this Section 5.02(d), in the event that a transfer of a Class SB or Class R Certificate is to be made, (i) unless the Depositor directs the Trustee otherwise, the Trustee shall require a written Opinion of Counsel addressed to and acceptable to and in form and substance satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from said Act and laws or is being made pursuant to said Act and laws, which Opinion of Counsel shall not be an expense of the Trustee, the Trust Fund, the Depositor or the Master Servicer, and (ii) the Trustee shall require the transferee to execute a representation letter, substantially in the form of Exhibit I hereto, and the Trustee shall require the transferor to 121 execute a representation letter, substantially in the form of Exhibit J hereto, each acceptable to and in form and substance satisfactory to the Depositor and the Trustee certifying to the Depositor and the Trustee the facts surrounding such transfer, which representation letters shall not be an expense of the Trustee, the Trust Fund, the Depositor or the Master Servicer. In lieu of the requirements set forth in the preceding sentence, transfers of Class SB or Class R Certificates may be made in accordance with this Section 5.02(d) if the prospective transferee of such a Certificate provides the Trustee and the Master Servicer with an investment letter substantially in the form of Exhibit N attached hereto, which investment letter shall not be an expense of the Trustee, the Depositor, or the Master Servicer, and which investment letter states that, among other things, such transferee (i) is a "qualified institutional buyer" as defined under Rule 144A, acting for its own account or the accounts of other "qualified institutional buyers" as defined under Rule 144A, and (ii) is aware that the proposed transferor intends to rely on the exemption from registration requirements under the 1933 Act provided by Rule 144A. The Holder of a Class SB or Class R Certificate desiring to effect any transfer, sale, pledge or other disposition shall, and does hereby agree to, indemnify the Trustee, the Depositor, the Master Servicer and the Certificate Registrar against any liability that may result if the transfer, sale, pledge or other disposition is not so exempt or is not made in accordance with such federal and state laws and this Agreement. (e) (i) In the case of any Class M, Class SB or Class R Certificate presented for registration in the name of any Person, either (i) the Trustee shall require an Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee, the Depositor and the Master Servicer to the effect that the purchase or holding of such Class M, Class SB or Class R Certificate is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code (or comparable provisions of any subsequent enactments), and will not subject the Trustee, the Depositor or the Master Servicer 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 Trustee, the Trust Fund, the Depositor or the Master Servicer or (ii) the prospective transferee shall be required to provide the Trustee, the Depositor and the Master Servicer with a certification to the effect set forth in Exhibit P (with respect to a Class M Certificate) (which certification shall have been deemed to have been given by a Class M Certificateholder who acquires a Book-Entry Certificate), paragraph six of Exhibit I or paragraph three of Exhibit N (with respect to a Class SB Certificate) or in paragraph fifteen of Exhibit H-1 (with respect to a Class R Certificate), which the Trustee may rely upon without further inquiry or investigation, or such other certifications as the Trustee may deem desirable or necessary in order to establish that such transferee or the Person in whose name such registration is requested either (a) is not an employee benefit plan or other plan or arrangement subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any Person (including an insurance company investing its general accounts, an investment manager, a named fiduciary or a trustee of any Plan) who is using "plan assets" of any Plan, within the meaning of the U.S. Department of Labor regulation promulgated at 29 C.F.R. ss. 2510.3-101, to effect such acquisition (a "Plan Investor") or (b) in the case of a Class M Certificate, the following conditions are satisfied: (i) such Transferee is an insurance company, (ii) the source of funds used to purchase or hold such Certificate (or interest therein) is an "insurance company general account" (as defined in U.S. Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60, and (iii) the conditions set forth in 122 Sections I and III of PTCE 95-60 have been satisfied (each entity that satisfies this clause (b), a "Complying Insurance Company"). (ii) Any Transferee of a Class M Certificate that does not deliver the Opinion of Counsel or certification referred to in clause (i) above will be deemed to have represented by virtue of its purchase or holding of such Certificate (or interest therein) that either (a) such Transferee is not a Plan Investor or (b) such Transferee is a Complying Insurance Company. (iii) If any Class M Certificate (or any interest therein) is acquired or held by any Person that is not described in paragraph (ii) above, then the last preceding Transferee that either (i) is not a Plan Investor or (ii) is a Complying Insurance Company shall be restored, to the extent permitted by law, to all rights and obligations as Certificate Owner thereof retroactive to the date of such Transfer of such Class M Certificate. The Trustee shall be under no liability to any Person for making any payments due on such Certificate to such preceding Transferee. (iv) Any purported Certificate Owner whose acquisition or holding of any Class M Certificate (or interest therein) was effected in violation of the restrictions in this Section 5.02(e) shall indemnify and hold harmless the Depositor, the Trustee, the Master Servicer, any Subservicer and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. (f) (i)Each Person who has or who acquires any Ownership Interest in a Class R 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 Trustee 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 Class R Certificate are expressly subject to the following provisions: (A) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee. (B) In connection with any proposed Transfer of any Ownership Interest in a Class R Certificate, the Trustee shall require delivery to it, and shall not register the Transfer of any Class R Certificate until its receipt of, (I) an affidavit and agreement (a "Transfer Affidavit and Agreement," in the form attached hereto as Exhibit H-1) from the proposed Transferee, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that it is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Class R Certificate that is the subject of the proposed Transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee, that for so long as it retains its Ownership Interest in a Class R Certificate, it will endeavor to remain a Permitted 123 Transferee, and that it has reviewed the provisions of this Section 5.02(f) and agrees to be bound by them, and (II) a certificate, in the form attached hereto as Exhibit H-2, from the Holder wishing to transfer the Class R Certificate, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that no purpose of the proposed Transfer is to impede the assessment or collection of tax. (C) Notwithstanding the delivery of a Transfer Affidavit and Agreement by a proposed Transferee under clause (B) above, if a Responsible Officer of the Trustee who is assigned to this Agreement has actual knowledge that the proposed Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest in a Class R Certificate to such proposed Transferee shall be effected. (D) Each Person holding or acquiring any Ownership Interest in a Class R 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 Class R Certificate and (y) not to transfer its Ownership Interest unless it provides a certificate to the Trustee in the form attached hereto as Exhibit H-2. (E) Each Person holding or acquiring an Ownership Interest in a Class R Certificate, by purchasing an Ownership Interest in such Certificate, agrees to give the Trustee written notice that it is a "pass-through interest holder" within the meaning of Temporary Treasury Regulations Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring an Ownership Interest in a Class R Certificate, if it is, or is holding an Ownership Interest in a Class R Certificate on behalf of, a "pass-through interest holder." (ii) The Trustee will register the Transfer of any Class R Certificate only if it shall have received the Transfer Affidavit and Agreement, a certificate of the Holder requesting such transfer in the form attached hereto as Exhibit H-2 and all of such other documents as shall have been reasonably required by the Trustee as a condition to such registration. Transfers of the Class R Certificates to Non-United States Persons and Disqualified Organizations (as defined in Section 860E(e)(5) of the Code) are prohibited. (A) If any Disqualified Organization shall become a holder of a Class R Certificate, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a Non-United States Person shall become a holder of a Class R Certificate, then the last preceding United States Person shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a transfer of a Class R Certificate is disregarded pursuant to the provisions of Treasury Regulations Section 1.860E-1 or Section 1.860G-3, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. The 124 Trustee shall be under no liability to any Person for any registration of Transfer of a Class R Certificate that is in fact not permitted by this Section 5.02(f) 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 Class R Certificate in violation of the restrictions in this Section 5.02(f) and to the extent that the retroactive restoration of the rights of the Holder of such Class R Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the Master Servicer shall have the right, without notice to the holder or any prior holder of such Class R Certificate, to sell such Class R Certificate to a purchaser selected by the Master Servicer on such terms as the Master Servicer may choose. Such purported Transferee shall promptly endorse and deliver each Class R Certificate in accordance with the instructions of the Master Servicer. Such purchaser may be the Master Servicer itself or any Affiliate of the Master Servicer. The proceeds of such sale, net of the commissions (which may include commissions payable to the Master Servicer or its Affiliates), expenses and taxes due, if any, will be remitted by the Master Servicer 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 Master Servicer, and the Master Servicer shall not be liable to any Person having an Ownership Interest in a Class R Certificate as a result of its exercise of such discretion. (iv) The Master Servicer, on behalf of the Trustee, shall make available, upon written request from the Trustee, all information necessary to compute any tax imposed (A) as a result of the Transfer of an Ownership Interest in a Class R Certificate to any Person who is a Disqualified Organization, including the information regarding "excess inclusions" of such Class R Certificates required to be provided to the Internal Revenue Service and certain Persons as described in Treasury Regulations Sections 1.860D-1(b)(5) and 1.860E-2(a)(5), 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 Class R Certificate having as among its record holders at any time any Person who is a Disqualified Organization. Reasonable compensation for providing such information may be required by the Master Servicer from such Person. (v) The provisions of this Section 5.02(f) set forth prior to this clause (v) may be modified, added to or eliminated, provided that there shall have been delivered to the Trustee the following: (A) Written notification from each Rating Agency to the effect that the modification, addition to or elimination of such provisions will not cause such Rating Agency to downgrade its then-current ratings, if any, of the Class A Certificates and Class M Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency; and 125 (B) a certificate of the Master Servicer stating that the Master Servicer has received an Opinion of Counsel, in form and substance satisfactory to the Master Servicer, to the effect that such modification, addition to or absence of such provisions will not cause any of REMIC I, REMIC II, REMIC III or REMIC IV to cease to qualify as a REMIC and will not cause (x) any of REMIC I, REMIC II, REMIC III or REMIC IV to be subject to an entity-level tax caused by the Transfer of any Class R Certificate to a Person that is a Disqualified Organization or (y) a Certificateholder or another Person to be subject to a REMIC-related tax caused by the Transfer of a Class R Certificate to a Person that is not a Permitted Transferee. (g) No service charge shall be made for any transfer or exchange of Certificates of any Class, but the Trustee 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 destroyed by the Certificate Registrar. Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. ------------------------------------------------- If (i) any mutilated Certificate is surrendered to the Certificate Registrar, or the Trustee and the Certificate Registrar receive evidence to their satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee and the Certificate Registrar such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor, Class and Percentage Interest but bearing a number not contemporaneously outstanding. Upon the issuance of any new Certificate under this Section, the Trustee may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee and the Certificate Registrar) connected therewith. Any duplicate Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the Trust Fund, 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. --------------------- Prior to due presentation of a Certificate for registration of transfer, the Depositor, the Master Servicer, the Trustee, the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar 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 4.02 and for all other purposes whatsoever, except as and to the extent provided in the definition of "Certificateholder"and in Section 4.09, and neither the Depositor, the Master Servicer, the Trustee, the Certificate Registrar nor any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar shall be affected by notice to the contrary except as provided in Section 5.02(f). 126 Section 5.05. Appointment of Paying Agent. --------------------------- The Trustee may appoint a Paying Agent for the purpose of making distributions to Certificateholders pursuant to Section 4.02. In the event of any such appointment, on or prior to each Distribution Date the Master Servicer on behalf of the Trustee shall deposit or cause to be deposited with the Paying Agent a sum sufficient to make the payments to Certificateholders in the amounts and in the manner provided for in Section 4.02, such sum to be held in trust for the benefit of Certificateholders. The Trustee shall cause each Paying Agent to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee that such Paying Agent will hold all sums held by it for the payment to Certificateholders in trust for the benefit of the Certificateholders entitled thereto until such sums shall be paid to such Certificateholders. Any sums so held by such Paying Agent shall be held only in Eligible Accounts to the extent such sums are not distributed to the Certificateholders on the date of receipt by such Paying Agent. 127 ARTICLE VI THE DEPOSITOR AND THE MASTER SERVICER Section 6.01. Respective Liabilities of the Depositor and the Master Servicer. The Depositor and the Master Servicer shall each be liable in accordance herewith only to the extent of the obligations specifically and respectively imposed upon and undertaken by the Depositor and the Master Servicer herein. By way of illustration and not limitation, the Depositor is not liable for the servicing and administration of the Mortgage Loans, nor is it obligated by Section 7.01 or 10.01 to assume any obligations of the Master Servicer or to appoint a designee to assume such obligations, nor is it liable for any other obligation hereunder that it may, but is not obligated to, assume unless it elects to assume such obligation in accordance herewith. Section 6.02. Merger or Consolidation of the Depositor or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer. (a) The Depositor and the Master Servicer will each keep in full effect its existence, rights and franchises as a corporation under the laws of the state of its incorporation, and will each 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. (b) Any Person into which the Depositor or the Master Servicer may be merged or consolidated, or any corporation 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 each Rating Agency's ratings, if any, of the Class A Certificates and Class M Certificates 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 each Rating Agency). (c) Notwithstanding anything else in this Section 6.02 and Section 6.04 to the contrary, the Master Servicer may assign its rights and delegate its duties and obligations under this Agreement; provided that the Person accepting such assignment or delegation shall be a Person which is qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac, is reasonably satisfactory to the Trustee and the Depositor, is willing to service the Mortgage Loans and executes and delivers to the Depositor and the Trustee an agreement, in form and substance reasonably satisfactory to the Depositor and the Trustee, which contains an assumption by such Person of the due and punctual performance and observance of each covenant and condition to be performed or observed by the Master Servicer under this Agreement; provided further that each Rating Agency's rating of the Classes of Certificates that have been rated in effect immediately prior to such 128 assignment and delegation will not be qualified, reduced or withdrawn as a result of such assignment and delegation (as evidenced by a letter to such effect from each Rating Agency). In the case of any such assignment and delegation, the Master Servicer shall be released from its obligations under this Agreement, except that the Master Servicer shall remain liable for all liabilities and obligations incurred by it as Master Servicer hereunder prior to the satisfaction of the conditions to such assignment and delegation set forth in the next preceding sentence. Section 6.03. Limitation on Liability of the Depositor, the Master Servicer and Others. Neither the Depositor, the Master Servicer nor 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 or representations made herein or any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross 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 prima facie 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 by the Trust Fund and held harmless 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 related to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) and any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross 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 or administrative action, proceeding, hearing or examination that is not incidental to its respective duties under this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Depositor or the Master Servicer may in its discretion undertake any such action, proceeding, hearing or examination that it may deem necessary or desirable in respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action, proceeding, hearing or examination and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund, and the Depositor and the Master Servicer shall be entitled to be reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 and, on the Distribution Date(s) following such reimbursement, the aggregate of such expenses and costs shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such expenses and costs constituted a Prepayment Interest Shortfall. 129 Section 6.04. Depositor and Master Servicer Not to Resign. ------------------------------------------- Subject to the provisions of Section 6.02, neither the Depositor nor the Master Servicer shall resign from its respective obligations and duties hereby imposed on it except upon determination that its duties hereunder are no longer permissible under applicable law. Any such determination permitting the resignation of the Depositor or the Master Servicer shall be evidenced by an Opinion of Counsel (at the expense of the resigning party) to such effect delivered to the Trustee. No such resignation by the Master Servicer shall become effective until the Trustee or a successor servicer shall have assumed the Master Servicer's responsibilities and obligations in accordance with Section 7.02. 130 ARTICLE VII DEFAULT Section 7.01. Events of Default. ----------------- Event of Default, wherever used herein, means any one of the following events (whatever reason for such Event of Default and whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body): (i) the Master Servicer shall fail to distribute or cause to be distributed to Holders of Certificates of any Class any distribution required to be made under the terms of the Certificates of such Class and this Agreement and, in either case, such failure shall continue unremedied for a period of 5 days after the date upon which written notice of such failure, requiring such failure to be remedied, shall have been given to the Master Servicer by the Trustee or the Depositor or to the Master Servicer, the Depositor and the Trustee by the Holders of Certificates of such Class evidencing Percentage Interests aggregating not less than 25%; or (ii) the Master Servicer shall fail to observe or perform in any material respect any other of the covenants or agreements on the part of the Master Servicer contained in the Certificates of any Class or in this Agreement and such failure shall continue unremedied for a period of 30 days (except that such number of days shall be 15 in the case of a failure to pay the premium for any Required Insurance Policy) after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee or the Depositor, or to the Master Servicer, the Depositor and the Trustee by the Holders of Certificates of any Class evidencing, as to such Class, Percentage Interests aggregating not less than 25%; 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 appointing a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the winding- up or liquidation of its affairs, shall have been entered against the Master Servicer and such decree or order shall have remained in force undischarged or unstayed for a period of 60 days; or (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 the property of the Master Servicer; 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, or commence a voluntary case under, any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or 131 (vi) the Master Servicer shall notify the Trustee pursuant to Section 4.04(b) that it is unable to deposit in the Certificate Account an amount equal to the Advance. If an Event of Default described in clauses (i)-(v) of this Section shall occur, then, and in each and every such case, so long as such Event of Default shall not have been remedied, either the Depositor or the Trustee shall at the direction of Holders of Certificates entitled to at least 51% of the Voting Rights, 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 under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder. If an Event of Default described in clause (vi) hereof shall occur, the Trustee shall, by notice to the Master Servicer and the Depositor, immediately terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder as provided in Section 4.04(b). 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 thereof) or the Mortgage Loans or otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or the Trustee's designee appointed pursuant to Section 7.02; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents, or otherwise. The Master Servicer agrees to cooperate with the Trustee in effecting the termination of the Master Servicer's responsibilities and rights hereunder, including, without limitation, the transfer to the Trustee or its designee for administration by it of all cash amounts which shall at the time be credited to the Custodial Account or the Certificate Account or thereafter be received with respect to the Mortgage Loans. No such termination shall release the Master Servicer for any liability that it would otherwise have hereunder for any act or omission prior to the effective time of such termination. Notwithstanding any termination of the activities of Residential Funding in its capacity as Master Servicer hereunder, Residential Funding shall be entitled to receive, out of any late collection of a Monthly Payment on a Mortgage Loan which was due prior to the notice terminating Residential Funding's rights and obligations as Master Servicer hereunder and received after such notice, that portion to which Residential Funding would have been entitled pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in respect thereof, and any other amounts payable to Residential Funding hereunder the entitlement to which arose prior to the termination of its activities hereunder. Upon the termination of Residential Funding as Master Servicer hereunder the Depositor shall deliver to the Trustee as successor Master Servicer a copy of the Program Guide. Section 7.02. Trustee or Depositor to Act; Appointment of Successor. ----------------------------------------------------- (a) On and after the time the Master Servicer receives a notice of termination pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee or, upon notice to the Depositor and with the Depositor's consent (which shall not be unreasonably withheld) a designee (which meets the standards set forth below) of the Trustee, shall be the successor in all respects to the Master Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating 132 thereto placed on the Master Servicer (except for the responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a), excluding the duty to notify related Subservicers as set forth in such Sections, and its obligations to deposit amounts in respect of losses incurred prior to such notice or termination on the investment of funds in the Custodial Account or the Certificate Account pursuant to Sections 3.07(c) and 4.01(d) by the terms and provisions hereof); provided, however, that any failure to perform such duties or responsibilities caused by the preceding Master Servicer's failure to provide information required by Section 4.04 shall not be considered a default by the Trustee hereunder as successor Master Servicer. As compensation therefor, the Trustee as successor Master Servicer shall be entitled to all funds relating to the Mortgage Loans which the Master Servicer would have been entitled to charge to the Custodial Account or the Certificate Account if the Master Servicer had continued to act hereunder and, in addition, shall be entitled to the income from any Permitted Investments made with amounts attributable to the Mortgage Loans held in the Custodial Account or the Certificate Account. If the Trustee has become the successor to the Master Servicer in accordance with Section 6.04 or Section 7.01, then notwithstanding the above, the Trustee may, if it shall be unwilling to so act, or shall, if it is unable to so act, appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution, which is also a Fannie Mae or Freddie Mac-approved mortgage servicing institution, having a net worth of not less than $10,000,000 as the successor to the Master Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer hereunder. Pending appointment of a successor to the Master Servicer hereunder, the Trustee shall become successor to the Master Servicer and shall act in such capacity as hereinabove provided. In connection with such appointment and assumption, the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted the initial Master Servicer hereunder. The Depositor, the Trustee, the Custodian and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. The Servicing Fee for any successor Master Servicer appointed pursuant to this Section 7.02 will be lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee accrues at a rate of less than 0.50% per annum in the event that the successor Master Servicer is not servicing such Mortgage Loans directly and it is necessary to raise the related Subservicing Fee to a rate of 0.50% per annum in order to hire a Subservicer with respect to such Mortgage Loans. (b) In connection with the termination or resignation of the Master Servicer hereunder, either (i) the successor Master 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(R) 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 133 MERS, costs of preparing any assignments of Mortgage, and fees and costs of filing any assignments of Mortgage that may be required under this subsection (b). The successor Master Servicer shall cause such assignment to be delivered to the Trustee or the Custodian promptly upon receipt of the original with evidence of recording thereon or a copy certified by the public recording office in which such assignment was recorded. Section 7.03. Notification to Certificateholders. ---------------------------------- (a) Upon any such termination or appointment of a successor to the Master Servicer, the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the Certificate Register. (b) Within 60 days after the occurrence of any Event of Default, the Trustee shall transmit by mail to all Holders of Certificates notice of each such Event of Default hereunder known to the Trustee, unless such Event of Default shall have been cured or waived as provided in Section 7.04 hereof. Section 7.04. Waiver of Events of Default. --------------------------- The Holders representing at least 66% of the Voting Rights of Certificates affected by a default or Event of Default hereunder may waive any default or Event of Default; provided, however, that (a) a default or Event of Default under clause (i) of Section 7.01 may be waived only by all of the Holders of Certificates affected by such default or Event of Default and (b) no waiver pursuant to this Section 7.04 shall affect the Holders of Certificates in the manner set forth in Section 11.01(b)(i), (ii) or (iii). Upon any such waiver of a default or Event of Default by the Holders representing the requisite percentage of Voting Rights of Certificates affected by such default or Event of Default, such default or 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 Event of Default or impair any right consequent thereon except to the extent expressly so waived. 134 ARTICLE VIII CONCERNING THE TRUSTEE Section 8.01. Duties of Trustee. ----------------- (a) The Trustee, prior to the occurrence of an Event of Default and after the curing of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. In case an Event of Default has occurred (which has not been cured or waived), the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs. (b) The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee 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. The Trustee shall notify the Certificateholders of any such documents which do not materially conform to the requirements of this Agreement in the event that the Trustee, after so requesting, does not receive satisfactorily corrected documents in a timely fashion. The Trustee shall forward or cause to be forwarded in a timely fashion the notices, reports and statements required to be forwarded by the Trustee pursuant to Sections 4.03, 7.03, and 10.01. The Trustee shall furnish in a timely fashion to the Master Servicer such information as the Master Servicer may reasonably request from time to time for the Master Servicer to fulfill its duties as set forth in this Agreement. The Trustee covenants and agrees that it shall perform its obligations hereunder in a manner so as to maintain the status of each of REMIC I, REMIC II, REMIC III and REMIC IV as a REMIC under the REMIC Provisions and to prevent the imposition of any federal, state or local income, prohibited transaction (except as provided in Section 2.04 herein), contribution or other tax on the Trust Fund to the extent that maintaining such status and avoiding such taxes are reasonably within the control of the Trustee and are reasonably within the scope of its duties under this Agreement. (c) No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that: (i) Prior to the occurrence of an Event of Default, and after the curing or waiver of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of 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 and, in the absence of bad faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to the Trustee by the Depositor or the Master Servicer and which on their face, do not contradict the requirements of this Agreement; 135 (ii) The Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer or Responsible Officers of the Trustee, unless it shall be proved that the Trustee was negligent in ascertaining the pertinent facts; (iii) The Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of the Certificateholders holding Certificates which evidence, Percentage Interests aggregating not less than 25% of the affected classes as to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; (iv) The Trustee shall not be charged with knowledge of any default (other than a default in payment to the Trustee) specified in clauses (i) and (ii) of Section 7.01 or an Event of Default under clauses (iii), (iv) and (v) of Section 7.01 unless a Responsible Officer of the Trustee assigned to and working in the Corporate Trust Office obtains actual knowledge of such failure or event or the Trustee receives written notice of such failure or event at its Corporate Trust Office from the Master Servicer, the Depositor or any Certificateholder; and (v) Except to the extent provided in Section 7.02, no provision in this Agreement shall require the Trustee to expend or risk its own funds (including, without limitation, the making of any Advance) or otherwise incur any personal financial liability in the performance of any of its duties as Trustee hereunder, or in the exercise of any of its rights or powers, if the Trustee shall have reasonable grounds for believing that repayment of funds or adequate indemnity against such risk or liability is not reasonably assured to it. (d) The Trustee shall timely pay, from its own funds, the amount of any and all federal, state and local taxes imposed on the Trust Fund or its assets or transactions including, without limitation, (A) "prohibited transaction" penalty taxes as defined in Section 860F of the Code, if, when and as the same shall be due and payable, (B) any tax on contributions to a REMIC after the Closing Date imposed by Section 860G(d) of the Code and (C) any tax on "net income from foreclosure property" as defined in Section 860G(c) of the Code, but only if such taxes arise out of a breach by the Trustee of its obligations hereunder, which breach constitutes negligence or willful misconduct of the Trustee. Section 8.02. Certain Matters Affecting the Trustee. ------------------------------------- (a) Except as otherwise provided in Section 8.01: (i) The Trustee may rely and shall be 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 believed by it to be genuine and to have been signed or presented by the proper party or parties; 136 (ii) The Trustee may consult with counsel 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) The Trustee shall be under no 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 reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of an Event of Default (which has not been cured), 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 investor would exercise or use under the circumstances in the conduct of such investor's own affairs; (iv) The Trustee shall not 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) Prior to the occurrence of an Event of Default hereunder and after the curing of all Events of Default which may have occurred, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing to do by the Holders of Certificates of any Class evidencing, as to such Class, Percentage Interests, aggregating not less than 50%; provided, however, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such expense or liability as a condition to so proceeding. The reasonable expense of every such examination shall be paid by the Master Servicer, if an Event of Default shall have occurred and is continuing, and otherwise by the Certificateholder requesting the investigation; (vi) The Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys provided that the Trustee shall remain liable for any acts of such agents or attorneys; and (vii) To the extent authorized under the Code and the regulations promulgated thereunder, each Holder of a Class R Certificate hereby irrevocably appoints and authorizes the Trustee to be its attorney-in-fact for purposes of signing any Tax Returns required to be filed on behalf of the Trust Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the Master Servicer in a timely manner any Tax Returns prepared by or on behalf of the Master Servicer that the Trustee is required to sign as determined by the Master Servicer pursuant to applicable federal, state or local tax laws, provided that the Master 137 Servicer shall indemnify the Trustee for signing any such Tax Returns that contain errors or omissions. (b) Following the issuance of the Certificates (and except as provided for in Section 2.04), the Trustee shall not accept any contribution of assets to the Trust Fund unless it shall have obtained or been furnished with an Opinion of Counsel to the effect that such contribution will not (i) cause any of REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as a REMIC at any time that any Certificates are outstanding or (ii) cause the Trust Fund to be subject to any federal tax as a result of such contribution (including the imposition of any federal tax on "prohibited transactions" imposed under Section 860F(a) of the Code). Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans. ----------------------------------------------------- The recitals contained herein and in the Certificates (other than the execution of the Certificates and relating to the acceptance and receipt of the Mortgage Loans) shall be taken as the statements of the Depositor or the Master Servicer as the case may be, and the Trustee assumes no responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Agreement or of the Certificates (except that the Certificates shall be duly and validly executed and authenticated by it as Certificate Registrar) or of any Mortgage Loan or related document, or of MERS or the MERS(R) System. Except as otherwise provided herein, the Trustee shall not be accountable for the use or application by the Depositor or the Master Servicer 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 Custodial Account or the Certificate Account by the Depositor or the Master Servicer. Section 8.04. Trustee May Own Certificates. ---------------------------- The Trustee in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Trustee. Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification. (a) The Master Servicer covenants and agrees to pay to the Trustee and any co-trustee from time to time, and the Trustee and any co-trustee shall be entitled to, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) for all services rendered by each of them in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or reimburse the Trustee and any co-trustee upon request for all reasonable expenses, disbursements and advances incurred or made by the Trustee or any co-trustee in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ, and the expenses incurred by the Trustee or any co-trustee in connection with the appointment of an office or agency pursuant to Section 8.12) except any such expense, disbursement or advance as may arise from its negligence or bad faith. 138 (b) The Master Servicer agrees to indemnify the Trustee for, and to hold the Trustee harmless against, any loss, liability or expense incurred without negligence or willful misconduct on its part, arising out of, or in connection with, the acceptance and administration of the Trust Fund, including the costs and expenses (including reasonable legal fees and expenses) of defending itself against any claim in connection with the exercise or performance of any of its powers or duties under this Agreement, and the Master Servicer further agrees to indemnify the Trustee for, and to hold the Trustee harmless against, any loss, liability or expense arising out of, or in connection with, the provisions set forth in the second paragraph of Section 2.01(a) hereof, including, without limitation, all costs, liabilities and expenses (including reasonable legal fees and expenses) of investigating and defending itself against any claim, action or proceeding, pending or threatened, relating to the provisions of such paragraph, provided that: (i) with respect to any such claim, the Trustee shall have given the Master Servicer written notice thereof promptly after the Trustee shall have actual knowledge thereof; (ii) while maintaining control over its own defense, the Trustee shall cooperate and consult fully with the Master Servicer in preparing such defense; and (iii) notwithstanding anything in this Agreement to the contrary, the Master Servicer shall not be liable for settlement of any claim by the Trustee entered into without the prior consent of the Master Servicer which consent shall not be unreasonably withheld. No termination of this Agreement shall affect the obligations created by this Section 8.05(b) of the Master Servicer to indemnify the Trustee under the conditions and to the extent set forth herein. Notwithstanding the foregoing, the indemnification provided by the Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability or expense of the Trustee, including the costs and expenses of defending itself against any claim, incurred in connection with any actions taken by the Trustee at the direction of Certificateholders pursuant to the terms of this Agreement. Section 8.06. Eligibility Requirements for Trustee. ------------------------------------ The Trustee hereunder shall at all times be a national banking association or a New York banking corporation having its principal office in a state and city acceptable to the Depositor and organized and doing business under the laws of such 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. If such corporation or national banking association publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. In case at any time the Trustee shall cease to be eligible in accordance with the provisions of this Section, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.07. Section 8.07. Resignation and Removal of the Trustee. -------------------------------------- 139 (a) The Trustee may at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Depositor and the Master Servicer. Upon receiving such notice of resignation, the Depositor shall promptly appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor trustee. If no successor trustee shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation then the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor trustee. (b) If at any time the Trustee 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 if at any time the Trustee shall become incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Depositor may remove the Trustee and appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the Trustee so removed and one copy to the successor trustee. In addition, in the event that the Depositor determines that the Trustee has failed (i) to distribute or cause to be distributed to Certificateholders any amount required to be distributed hereunder, if such amount is held by the Trustee or its Paying Agent (other than the Master Servicer or the Depositor) for distribution or (ii) to otherwise observe or perform in any material respect any of its covenants, agreements or obligations hereunder, and such failure shall continue unremedied for a period of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii) above) after the date on which written notice of such failure, requiring that the same be remedied, shall have been given to the Trustee by the Depositor, then the Depositor may remove the Trustee and appoint a successor trustee by written instrument delivered as provided in the preceding sentence. In connection with the appointment of a successor trustee pursuant to the preceding sentence, the Depositor shall, on or before the date on which any such appointment becomes effective, obtain from each Rating Agency written confirmation that the appointment of any such successor trustee will not result in the reduction of the ratings on any class of the Certificates below the lesser of the then current or original ratings on such Certificates. (c) The Holders of Certificates entitled to at least 51% of the Voting Rights may at any time remove the Trustee and appoint a successor trustee by written instrument or instruments, in triplicate, signed by such Holders or their attorneys-in-fact duly authorized, one complete set of which instruments shall be delivered to the Depositor, one complete set to the Trustee so removed and one complete set to the successor so appointed. (d) Any resignation or removal of the Trustee and appointment of a successor trustee pursuant to any of the provisions of this Section shall become effective upon acceptance of appointment by the successor trustee as provided in Section 8.08. Section 8.08. Successor Trustee. ----------------- (a) Any successor trustee appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Depositor and to its predecessor trustee an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee shall become effective and such successor trustee shall become effective and such successor trustee, 140 without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with the like effect as if originally named as trustee herein. The predecessor trustee shall deliver to the successor trustee all Mortgage Files and related documents and statements held by it hereunder (other than any Mortgage Files at the time held by a Custodian, which shall become the agent of any successor trustee hereunder), and the Depositor, the Master Servicer and the predecessor trustee shall execute and deliver such instruments and do such other things as may reasonably be required for more fully and certainly vesting and confirming in the successor trustee all such rights, powers, duties and obligations. (b) No successor trustee shall accept appointment as provided in this Section unless at the time of such acceptance such successor trustee shall be eligible under the provisions of Section 8.06. (c) Upon acceptance of appointment by a successor trustee as provided in this Section, the Depositor shall mail notice of the succession of such trustee 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, the successor trustee shall cause such notice to be mailed at the expense of the Depositor. Section 8.09. Merger or Consolidation of Trustee. ---------------------------------- Any corporation or national banking association into which the Trustee may be merged 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 the Trustee shall be a party, or any corporation or national banking association succeeding to the business of the Trustee, shall be the successor of the Trustee hereunder, provided such corporation or national banking 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. The Trustee shall mail notice of any such merger or consolidation to the Certificateholders at their address as shown in the Certificate Register. Section 8.10. Appointment of Co-Trustee or Separate Trustee. --------------------------------------------- (a) Notwithstanding any other provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Fund or property securing 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 the Trust Fund, and to vest in such Person or Persons, in such capacity, such title to the Trust Fund, 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 so to do, or in case an Event of Default shall have occurred and be continuing, the Trustee alone shall have the power to make such appointment. No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a 141 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. (b) 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 (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 the Trust Fund 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. (c) Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article VIII. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee. (d) 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. Appointment of Custodians. ------------------------- The Trustee may, with the consent of the Master Servicer and the Depositor, appoint one or more Custodians who are not Affiliates of the Depositor or the Master Servicer to hold all or a portion of the Mortgage Files as agent for the Trustee, by entering into a Custodial Agreement. Subject to Article VIII, the Trustee agrees to comply with the terms of each Custodial Agreement and to enforce the terms and provisions thereof against the Custodian for the benefit of the Certificateholders. Each Custodian shall be a depository institution subject to supervision by federal or state authority, shall have a combined capital and surplus of at least $15,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Mortgage File. Each Custodial Agreement may be amended only as provided in Section 11.01. The Trustee shall notify the Certificateholders of the appointment of any Custodian (other than the Custodian appointed as of the Closing Date) pursuant to this Section 8.11. The Trustee will maintain an office or agency in the City of New York where Certificates may be surrendered for registration of transfer or exchange. The Trustee initially designates its offices located at 4 New York Plaza, 6th Floor, New York, New York 10004, for the purpose of keeping the Certificate Register. The Trustee will maintain an office at the 142 address stated in Section 11.05(c) hereof where notices and demands to or upon the Trustee in respect of this Agreement may be served. 143 ARTICLE IX TERMINATION Section 9.01. Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans. (a) Subject to Section 9.02, the respective obligations and responsibilities of the Depositor, the Master Servicer and the Trustee created hereby in respect of the Certificates (other than the obligation of the Trustee to make certain payments after the Final Distribution Date to Certificateholders and the obligation of the Depositor to send certain notices as hereinafter set forth) shall terminate upon the last action required to be taken by the Trustee on the Final Distribution Date pursuant to this Article IX following the earlier of: (i) the later of the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, or (ii) the purchase by the Master Servicer of all Group I Loans and all property acquired in respect of any Group I Loan remaining in the Trust Fund or the purchase by the Master Servicer of all Group II Loans and all property acquired in respect of any Group II Loan remaining in the Trust Fund, in each case, at a price equal to 100% of the unpaid principal balance of each Mortgage Loan (or, if less than such unpaid principal balance, the fair market value of the related underlying property of such Mortgage Loan with respect to Mortgage Loans as to which title has been acquired if such fair market value is less than such unpaid principal balance) (net of any unreimbursed Advances attributable to principal) on the day of repurchase, plus accrued interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of any Modified Mortgage Loan) to, but not including, the first day of the month in which such repurchase price is distributed; provided, however, that in no event shall the trust created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date hereof; provided further, that, if the amount due under any Certificate shall not have been reduced to zero prior to the Maturity Date, the Master Servicer shall be required to terminate this Agreement in accordance with this clause (ii); and provided further, that the purchase price set forth above shall be increased as is necessary, as determined by the Master Servicer, to avoid disqualification of any of REMIC I, REMIC II, REMIC III or REMIC IV as a REMIC. The purchase price paid by the Master Servicer shall also include any amounts owed by Residential Funding pursuant to the last paragraph of Section 4 of the Assignment Agreement in respect of any liability, penalty or expense that resulted from a breach of the representation and warranty set forth in clause (bb) of such Section, that remain unpaid on the date of such purchase. The right of the Master Servicer or the Company to purchase all the assets of the Trust Fund relating to the Group I Loans, pursuant to clause (ii) above is conditioned upon the date of such 144 purchase occurring on or after the Group I Optional Termination Date. The right of the Master Servicer or the Company to purchase all the assets of the Trust Fund relating to the Group II Loans, pursuant to clause (ii) above is conditioned upon the date of such purchase occurring on or after the Group II Optional Termination Date. If such right is exercised by the Master Servicer, the Master Servicer shall be deemed to have been reimbursed for the full amount of any unreimbursed Advances theretofore made by it with respect to the Mortgage Loans being purchased. In addition, the Master Servicer shall provide to the Trustee the certification required by Section 3.15 and the Trustee and any Custodian shall, promptly following payment of the purchase price, release to the Master Servicer the Mortgage Files pertaining to the Mortgage Loans being purchased. In addition to the foregoing, on any Distribution Date on or after the Group I Optional Termination Date and after the aggregate Certificate Principal Balance of the Class A-II Certificates and Class M-II Certificates has been reduced to zero, the Master Servicer shall have the right, at its option, to purchase the Class A-I Certificates and Class M-I Certificates in whole, but not in part, at a price equal to the aggregate outstanding Certificate Principal Balance of the Class A-I Certificates and Class M-I Certificates, plus one month's Accrued Certificate Interest on the Class A-I Certificates and Class M-I Certificates, any previously unpaid Accrued Certificate Interest, and any unpaid Prepayment Interest Shortfall previously allocated thereto. On any Distribution Date on or after the Group II Optional Termination Date and after the aggregate Certificate Principal Balance of the Class A-I Certificates and Class M-I Certificates has been reduced to zero, the Master Servicer shall have the right, at its option, to purchase the Class A-II Certificates and Class M-II Certificates in whole, but not in part, at a price equal to the aggregate outstanding Certificate Principal Balance of the Class A-II Certificates and Class M-II Certificates, plus one month's Accrued Certificate Interest on the Class A-II Certificates and Class M-II Certificates, any previously unpaid Accrued Certificate Interest, and any unpaid Prepayment Interest Shortfall previously allocated thereto. In addition, on any Distribution Date on or after the Group I Optional Termination Date and Group II Optional Termination Date, the Master Servicer shall have the right, at its option, to purchase all of the Certificates in whole, but not in part, at a price equal to the aggregate outstanding Certificate Principal Balance of the Certificates, plus one month's Accrued Certificate Interest on the Certificates, any previously unpaid Accrued Certificate Interest, and any unpaid Prepayment Interest Shortfall previously allocated thereto. If the Master Servicer exercises this right to purchase the outstanding Class A-I Certificates and Class M-I Certificates or Class A-II Certificates and Class M- II Certificates, the Master Servicer will promptly terminate the respective obligations and responsibilities created hereby in respect of these Certificates pursuant to this Article IX. (b) The Master Servicer shall give the Trustee not less than 60 days' prior notice of the Distribution Date on which the Master Servicer anticipates that the final distribution will be made to Certificateholders (whether as a result of the exercise by the Master Servicer of its right to purchase the assets of the Trust Fund or otherwise). Notice of any termination, specifying the anticipated Final Distribution Date (which shall be a date that would otherwise be a Distribution Date) upon which the Certificateholders may surrender their Certificates to the Trustee for payment of the final distribution and cancellation, shall be given promptly by the Master Servicer (if it is exercising its right to purchase the assets of the Trust Fund), or by the Trustee (in any other case) by letter to Certificateholders mailed not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution specifying: 145 (i) the anticipated Final Distribution Date upon which final payment of the Certificates is anticipated to be made upon presentation and surrender of Certificates at the office or agency of the Trustee therein designated, (ii) the amount of any such final payment, if known, and (iii) that the Record Date otherwise applicable to such Distribution Date is not applicable, and that payment will be made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. If the Master Servicer is obligated to give notice to Certificateholders as aforesaid, it shall give such notice to the Certificate Registrar at the time such notice is given to Certificateholders. In the event such notice is given by the Master Servicer, the Master Servicer shall deposit in the Certificate Account before the Final Distribution Date in immediately available funds an amount equal to the purchase price for the assets of the Trust Fund computed as above provided. The Master Servicer shall provide to the Trustee written notification of any change to the anticipated Final Distribution Date as soon as practicable. If the Trust Fund is not terminated on the anticipated Final Distribution Date, for any reason, the Trustee shall promptly mail notice thereof to each affected Certificateholder. (c) Upon presentation and surrender of the Certificates by the Certificateholders, the Trustee shall distribute to the Certificateholders (i) the amount otherwise distributable on such Distribution Date, if not in connection with the Master Servicer's election to repurchase, or (ii) if the Master Servicer elected to so repurchase, an amount equal to the outstanding Certificate Principal Balance thereof, plus Accrued Certificate Interest thereon for the related Interest Accrual Period, any previously unpaid Accrued Certificate Interest and any unpaid Prepayment Interest Shortfall previously allocated thereto. (d) In the event that any Certificateholders shall not surrender their Certificates for final payment and cancellation on or before the Final Distribution Date, the Trustee shall on such date cause all funds in the Certificate Account not distributed in final distribution to Certificateholders to be withdrawn therefrom and credited to the remaining Certificateholders by depositing such funds in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer (if it exercised its right to purchase the assets of the Trust Fund), or the Trustee (in any other case) shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the remaining Certificateholders concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation, the Trustee shall pay to the Master Servicer all amounts distributable to the holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to 146 surrender its Certificate(s) for final payment thereof in accordance with this Section 9.01 and the Certificateholders shall look only to the Master Servicer for such payment. Section 9.02. Additional Termination Requirements. ----------------------------------- (a) Each of REMIC I, REMIC II, REMIC III and REMIC IV, as the case may be, shall be terminated in accordance with the following additional requirements, unless the Trustee and the Master Servicer have received an Opinion of Counsel (which Opinion of Counsel shall not be an expense of the Trustee) to the effect that the failure of any of REMIC I, REMIC II, REMIC III and REMIC IV, as the case may be, to comply with the requirements of this Section 9.02 will not (i) result in the imposition on the Trust Fund of taxes on "prohibited transactions," as described in Section 860F of the Code, or (ii) cause any of REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as a REMIC at any time that any Certificate is outstanding: (i) The Master Servicer shall establish a 90-day liquidation period for each of REMIC I, REMIC II, REMIC III and REMIC IV, and specify the first day of such period in a statement attached to the Trust Fund's final Tax Return pursuant to Treasury regulations Section 1.860F-1. The Master Servicer also shall satisfy all of the requirements of a qualified liquidation for each of REMIC I, REMIC II, REMIC III and REMIC IV, under Section 860F of the Code and the regulations thereunder; (ii) The Master Servicer shall notify the Trustee at the commencement of such 90-day liquidation period and, at or prior to the time of making of the final payment on the Certificates, the Trustee shall sell or otherwise dispose of all of the remaining assets of the Trust Fund in accordance with the terms hereof; and (iii) If the Master Servicer is exercising its right to purchase the assets of the Trust Fund, the Master Servicer shall, during the 90-day liquidation period and at or prior to the Final Distribution Date, purchase all of the assets of the Trust Fund for cash. (b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete liquidation for each of REMIC I, REMIC II, REMIC III and REMIC IV at the expense of the Trust Fund in accordance with the terms and conditions of this Agreement. 147 ARTICLE X REMIC PROVISIONS Section 10.01.REMIC Administration. (a) The REMIC Administrator shall make an election to treat each of REMIC I, REMIC II, REMIC III and REMIC IV as a REMIC under the Code and, if necessary, under applicable state law. Such election will be made on Form 1066 or other appropriate federal tax or information return (including Form 8811) or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued. The REMIC I Regular Interest shall be designated as the "regular interests" and the Class R-I Certificates shall be designated as the sole class of "residual interests" in REMIC I. The REMIC II Regular Interest shall be designated as the "regular interests" and the Class R-II Certificates shall be designated as the sole class of "residual interests" in REMIC II. The REMIC III Regular Interests shall be designated as the "regular interests" and the Class R-III Certificates shall be designated as the sole class of "residual interests" in REMIC III. The Class A-I, Class A-II, Class M-I, Class M-II, Class SB-I and Class SB-II Certificates shall be designated as the "regular interests" in REMIC IV and the Class R-IV Certificates shall be designated the sole class of "residual interests" in REMIC IV. The REMIC Administrator and the Trustee shall not permit the creation of any "interests" (within the meaning of Section 860G of the Code) in the REMIC other than the Certificates. (b) The Closing Date is hereby designated as the "startup day" of each of REMIC I, REMIC II, REMIC III and REMIC IV within the meaning of Section 860G(a)(9) of the Code. (c) The REMIC Administrator shall hold a Class R Certificate in each REMIC representing a 0.01% Percentage Interest of the Class R Certificates in each REMIC and shall be designated as the "tax matters person" with respect to each of REMIC I, REMIC II, REMIC III and REMIC IV in the manner provided under Treasury regulations section 1.860F-4(d) and Treasury regulations section 301.6231(a)(7)-1. The REMIC Administrator, as tax matters person, shall (i) act on behalf of each of REMIC I, REMIC II, REMIC III and REMIC IV in relation to any tax matter or controversy involving the Trust Fund 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 legal expenses, including without limitation attorneys' or accountants' fees, and costs of any such proceeding and any liability resulting therefrom shall be expenses of the Trust Fund and the REMIC Administrator shall be entitled to reimbursement therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 unless such legal expenses and costs are incurred by reason of the REMIC Administrator's willful misfeasance, bad faith or gross negligence. If the REMIC Administrator is no longer the Master Servicer hereunder, at its option the REMIC Administrator may continue its duties as REMIC Administrator and shall be paid reasonable compensation not to exceed $3,000 per year by any successor Master Servicer hereunder for so acting as the REMIC Administrator. (d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax Returns that it determines are required with respect to each REMIC created hereunder and deliver such Tax Returns in a timely manner to the Trustee and the Trustee shall sign and file such Tax 148 Returns in a timely manner. The expenses of preparing such returns shall be borne by the REMIC Administrator without any right of reimbursement therefor. The REMIC Administrator agrees to indemnify and hold harmless the Trustee with respect to any tax or liability arising from the Trustee's signing of Tax Returns that contain errors or omissions. The Trustee and Master Servicer shall promptly provide the REMIC Administrator with such information as the REMIC Administrator may from time to time request for the purpose of enabling the REMIC Administrator to prepare Tax Returns. (e) The REMIC Administrator shall provide (i) to any Transferor of a Class R Certificate such information as is necessary for the application of any tax relating to the transfer of a Class R Certificate to any Person who is not a Permitted Transferee, (ii) to the Trustee and the Trustee shall forward 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, if any, and market discount or premium (using the Prepayment Assumption) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of each REMIC created hereunder. (f) The Master Servicer and the REMIC Administrator shall take such actions and shall cause each REMIC created hereunder to take such actions as are reasonably within the Master Servicer's or the REMIC Administrator's control and the scope of its duties more specifically set forth herein as shall be necessary or desirable to maintain the status thereof as a REMIC under the REMIC Provisions (and the Trustee shall assist the Master Servicer and the REMIC Administrator, to the extent reasonably requested by the Master Servicer and the REMIC Administrator to do so). In performing their duties as more specifically set forth herein, the Master Servicer and the REMIC Administrator shall not knowingly or intentionally take any action, cause the Trust Fund to take any action or fail to take (or fail to cause to be taken) any action reasonably within their respective control and the scope of duties more specifically set forth herein, that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of any of REMIC I, REMIC II, REMIC III or REMIC IV as a REMIC or (ii) with the exception of actions taken in connection with Section 4.08 hereof, result in the imposition of a tax upon any of REMIC I, REMIC II, REMIC III or REMIC IV (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code (except as provided in Section 2.04) and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) (either such event, in the absence of an Opinion of Counsel or the indemnification referred to in this sentence, an "Adverse REMIC Event") unless the Master Servicer or the REMIC Administrator, as applicable, has received an Opinion of Counsel (at the expense of the party seeking to take such action or, if such party fails to pay such expense, and the Master Servicer or the REMIC Administrator, as applicable, determines that taking such action is in the best interest of the Trust Fund and the Certificateholders, at the expense of the Trust Fund, but in no event at the expense of the Master Servicer, the REMIC Administrator or the Trustee) to the effect that the contemplated action will not, with respect to the Trust Fund created hereunder, endanger such status or, unless the Master Servicer or the REMIC Administrator or both, as applicable, determine in its or their sole discretion to indemnify the Trust Fund against the imposition of such a tax, result in the imposition of such a tax. Wherever in this Agreement a contemplated action may not be taken because the timing of such action might result in the imposition of a tax on the Trust Fund, or may only be taken pursuant to an Opinion of Counsel that such action would not impose a tax on the Trust Fund, such action may nonetheless be taken 149 provided that the indemnity given in the preceding sentence with respect to any taxes that might be imposed on the Trust Fund has been given and that all other preconditions to the taking of such action have been satisfied. The Trustee shall not take or fail to take any action (whether or not authorized hereunder) as to which the Master Servicer or the REMIC Administrator, as applicable, 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 or inaction, as the case may be. In addition, prior to taking any action with respect to the Trust Fund or its assets, or causing the Trust Fund to take any action, which is not expressly permitted under the terms of this Agreement, the Trustee will consult with the Master Servicer or the REMIC Administrator, as applicable, or its designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to the Trust Fund and the Trustee shall not take any such action or cause the Trust Fund to take any such action as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that an Adverse REMIC Event could occur. The Master Servicer or the REMIC Administrator, as applicable, 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 expressly permitted by this Agreement, but in no event at the expense of the Master Servicer or the REMIC Administrator. At all times as may be required by the Code, the Master Servicer or the REMIC Administrator, as applicable, will to the extent within its control and the scope of its duties more specifically set forth herein, maintain substantially all of the assets of the REMIC as "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 any REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on "net income from foreclosure property" of any REMIC as defined in Section 860G(c) of the Code, on any contributions to any REMIC after the startup day therefor pursuant to Section 860G(d) of the Code, or any other tax imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Master Servicer, if such tax arises out of or results from a breach by the Master Servicer of any of its obligations under this Agreement or the Master Servicer has in its sole discretion determined to indemnify the Trust Fund against such tax, (ii) to the Trustee, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Article X, or (iii) otherwise against amounts on deposit in the Custodial Account as provided by Section 3.10 and on the Distribution Date(s) following such reimbursement the aggregate of such taxes shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such taxes constituted a Prepayment Interest Shortfall. (h) The Trustee and the Master Servicer shall, for federal income tax purposes, maintain books and records with respect to each REMIC on a calendar year and on an accrual basis or as otherwise may be required by the REMIC Provisions. (i) Following the startup day, neither the Master Servicer nor the Trustee shall accept any contributions of assets to any REMIC unless (subject to Section 10.01(f)) the Master Servicer and the Trustee shall have received an Opinion of Counsel (at the expense of the party seeking to make such contribution) to the effect that the inclusion of such assets in any REMIC will not cause any of REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as a REMIC at any time that any 150 Certificates are outstanding or subject any such REMIC to any tax under the REMIC Provisions or other applicable provisions of federal, state and local law or ordinances. (j) Neither the Master Servicer nor the Trustee shall (subject to Section 10.01(f)) enter into any arrangement by which any of REMIC I, REMIC II, REMIC III or REMIC IV will receive a fee or other compensation for services nor permit any of REMIC I, REMIC II, REMIC III or REMIC IV 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. (k) Solely for the purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest possible maturity date" by which the principal balance of each regular interest in each REMIC would be reduced to zero is June 25, 2034. (l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare and file with the Internal Revenue Service Form 8811, "Information Return for Real Estate Mortgage Investment Conduits (REMIC) and Issuers of Collateralized Debt Obligations" for the Trust Fund. (m) Neither the Trustee nor the Master Servicer shall sell, dispose of or substitute for any of the Mortgage Loans (except in connection with (i) the default, imminent default or 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 the Trust Fund, (iii) the termination of any REMIC pursuant to Article IX of this Agreement or (iv) a purchase of Mortgage Loans pursuant to Article II or III of this Agreement) or acquire any assets for any REMIC or sell or dispose of any investments in the Custodial Account or the Certificate Account for gain, or accept any contributions to any REMIC after the Closing Date unless it has received an Opinion of Counsel that such sale, disposition, substitution or acquisition will not (a) affect adversely the status of any of REMIC I, REMIC II, REMIC III or REMIC IV as a REMIC or (b) unless the Master Servicer has determined in its sole discretion to indemnify the Trust Fund against such tax, cause any REMIC to be subject to a tax on "prohibited transactions" or "contributions" pursuant to the REMIC Provisions. The Trustee shall treat the Reserve Fund as an outside reserve fund within the meaning of Treasury Regulation 1.860G-2(h). The Reserve Fund shall be owned by the Class SB-I Certificateholders and Class SB-II Certificateholders, and is not an asset of the REMICs. The Trustee shall treat the rights of the Class A-I-1, Class A-I-4, Class A-I-5, Class A-I-6, Class M-I, Class A-II and Class M-II Certificateholders to receive payments from the Reserve Fund as rights in an interest rate cap contract written by the Class SB-I Certificateholders and Class SB-II Certificateholders in favor of the Class A-I-1, Class A-I-4, Class A-I-5, Class A-I-6, Class M-I, Class A-II and Class M-II Certificateholders. Thus, each Class A-I-1, Class A-I-4, Class A-I-5, Class A-I-6, Class M-I, Class A-II and Class M-II Certificate shall be treated as representing ownership of not only REMIC IV regular interests, but also ownership of an interest in an interest rate cap contract. For purposes of determining the issue price of the REMIC IV regular interests, the Trustee shall assume that the interest rate cap contract with respect to the Class A-I-1, Class A-I-4, Class A-I-5, Class A-I-6, Class M-I, Class A-II and Class M-II Certificates has a de minimis value. Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification. 151 (a) The Trustee agrees to indemnify the Trust Fund, the Depositor, the REMIC Administrator and the Master Servicer for any taxes and costs including, without limitation, any reasonable attorneys' fees imposed on or incurred by the Trust Fund, the Depositor or the Master Servicer, as a result of a breach of the Trustee's covenants set forth in Article VIII or this Article X. In the event that Residential Funding is no longer the Master Servicer, the Trustee shall indemnify Residential Funding for any taxes and costs including, without limitation, any reasonable attorneys' fees imposed on or incurred by Residential Funding as a result of a breach of the Trustee's covenants set forth in Article VIII or this Article X. (b) The REMIC 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 REMIC Administrator's covenants set forth in this Article X with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the REMIC Administrator that contain errors or omissions; provided, however, that such liability will not be imposed to the extent such breach is a result of an error or omission in information provided to the REMIC Administrator by the Master Servicer in which case Section 10.02(c) will apply. (c) The Master Servicer agrees to indemnify the Trust Fund, the Depositor, the REMIC 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 or the Trustee, as a result of a breach of the Master Servicer's covenants set forth in this Article X or in Article III with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the Master Servicer that contain errors or omissions. 152 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01.Amendment. (a) This Agreement or any Custodial Agreement may be amended from time to time by the Depositor, the Master Servicer and the Trustee, without the consent of any of the Certificateholders: (i) to cure any ambiguity, (ii) to correct or supplement any provisions herein or therein, which may be inconsistent with any other provisions herein or therein or to correct any error, (iii) to modify, eliminate or add to any of its provisions to such extent as shall be necessary or desirable to maintain the qualification of REMIC I, REMIC II, REMIC III or REMIC IV as REMICs at all times that any Certificate is outstanding or to avoid or minimize the risk of the imposition of any tax on the Trust Fund pursuant to the Code that would be a claim against the Trust Fund, provided that the Trustee has received an Opinion of Counsel to the effect that (A) such action is necessary or desirable to maintain such qualification or to avoid or minimize the risk of the imposition of any such tax and (B) such action will not adversely affect in any material respect the interests of any Certificateholder, (iv) to change the timing and/or nature of deposits into the Custodial Account or the Certificate Account or to change the name in which the Custodial Account is maintained, provided that (A) the Certificate Account Deposit Date shall in no event be later than the related Distribution Date, (B) such change shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and (C) such change shall not result in a reduction of the rating assigned to any Class of Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date, as evidenced by a letter from each Rating Agency to such effect, (v) to modify, eliminate or add to the provisions of Section 5.02(f) or any other provision hereof restricting transfer of the Class R Certificates by virtue of their being the "residual interests" in the Trust Fund provided that (A) such change shall not result in reduction of the rating assigned to any such Class of Certificates below the lower of the then- current rating or the rating assigned to such Certificates as of the Closing Date, as evidenced by a letter from each Rating Agency to such effect, and (B) such change shall not, as evidenced by an Opinion of Counsel (at the expense of the party seeking so to modify, eliminate or add such provisions), cause the Trust Fund or any of the Certificateholders (other than the transferor) to be subject to a federal tax caused by a transfer to a Person that is not a Permitted Transferee, or (vi) to make any other provisions with respect to matters or questions arising under this Agreement or such Custodial Agreement which shall not be materially 153 inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and is authorized or permitted under Section 11.09(d). (b) This Agreement or any Custodial Agreement may also be amended from time to time by the Depositor, the Master Servicer, the Trustee and the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or such Custodial Agreement or of modifying in any manner the rights of the Holders of Certificates of such Class; provided, however, that no such amendment shall: (i) reduce in any manner the amount of, or delay the timing of, payments 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 interest of the Holders of Certificates of any Class in a manner other than as described in clause (i) hereof without the consent of Holders of Certificates of such Class evidencing, as to such Class, Percentage Interests aggregating not less than 66%, or (iii) reduce the aforesaid percentage of Certificates of any Class the Holders of which are required to consent to any such amendment, in any such case without the consent of the Holders of all Certificates of such Class then outstanding. (c) Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel (at the expense of the party seeking such amendment) to the effect that such amendment is permitted under this Agreement and that such amendment or the exercise of any power granted to the Master Servicer, the Depositor or the Trustee in accordance with such amendment will not result in the imposition of a federal tax on the Trust Fund or cause REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as REMICs at any time that any Certificate is outstanding. The Trustee may but shall not be obligated to enter into any amendment pursuant to this Section that affects its rights, duties and immunities and this agreement or otherwise; provided however, such consent shall not be unreasonably withheld. (d) Promptly after the execution of any such amendment the Trustee shall furnish written notification of the substance 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 Trustee may prescribe. (e) The Depositor shall have the option, in its sole discretion, to obtain and deliver to the Trustee any corporate guaranty, payment obligation, irrevocable letter of credit, surety bond, insurance policy or similar instrument or a reserve fund, or any combination of the foregoing, for the purpose of protecting the Holders of the Class R Certificates against any or all Realized Losses or 154 other shortfalls. Any such instrument or fund shall be held by the Trustee for the benefit of the Class R Certificateholders, but shall not be and shall not be deemed to be under any circumstances included in the REMIC. To the extent that any such instrument or fund constitutes a reserve fund for federal income tax purposes, (i) any reserve fund so established shall be an outside reserve fund and not an asset of the REMIC, (ii) any such reserve fund shall be owned by the Depositor, and (iii) amounts transferred by the REMIC to any such reserve fund shall be treated as amounts distributed by the REMIC to the Depositor or any successor, all within the meaning of Treasury regulations Section 1.860G-2(h). In connection with the provision of any such instrument or fund, this Agreement and any provision hereof may be modified, added to, deleted or otherwise amended in any manner that is related or incidental to such instrument or fund or the establishment or administration thereof, such amendment to be made by written instrument executed or consented to by the Depositor and such related insurer but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of the Certificateholders, the Master Servicer or the Trustee, as applicable; provided that the Depositor obtains an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment will not cause (a) any federal tax to be imposed on the Trust Fund, 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 and (b) any of REMIC I, REMIC II, REMIC III or REMIC IV to fail to qualify as a REMIC at any time that any Certificate is outstanding. In the event that the Depositor elects to provide such coverage in the form of a limited guaranty provided by General Motors Acceptance Corporation, the Depositor may elect that the text of such amendment to this Agreement shall be substantially in the form attached hereto as Exhibit K (in which case Residential Funding's Subordinate Certificate Loss Obligation as described in such exhibit shall be established by Residential Funding's consent to such amendment) and that the limited guaranty shall be executed in the form attached hereto as Exhibit L, with such changes as the Depositor shall deem to be appropriate; it being understood that the Trustee has reviewed and approved the content of such forms and that the Trustee's consent or approval to the use thereof is not required. (f) In addition to the foregoing, any amendment of Section 4.08 of this Agreement shall require the consent of the Limited Repurchase Right Holder as third-party beneficiary. Section 11.02.Recordation of Agreement; Counterparts. -------------------------------------- (a) 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 and at its expense on direction by the Trustee (pursuant to the request of the Holders of Certificates entitled to at least 25% of the Voting Rights), but only upon direction accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders. (b) 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 155 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. (a) The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's legal representatives or heirs to claim an accounting or 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 any of the parties hereto. (b) No Certificateholder shall have any right to vote (except as expressly provided herein) or in any manner otherwise control the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof. (c) 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 such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates of any Class evidencing in the aggregate not less than 25% of the related Percentage Interests of such Class, shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, for 60 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding it being understood and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates of any Class shall have any right in any manner whatever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates of such Class or any other Class, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the common benefit of Certificateholders of such Class or all Classes, as the case may be. For the protection and enforcement of the provisions of this Section 11.03, 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 and the Certificates shall be governed by and 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. ------- 156 All demands and notices hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid (except for notices to the Trustee which shall be deemed to have been duly given only when received), to (a) in the case of the Depositor, 8400 Normandale Lake Boulevard, Suite 250, Minneapolis, Minnesota 55437, Attention: President (RAMP), or such other address as may hereafter be furnished to the Master Servicer and the Trustee in writing by the Depositor; (b) in the case of the Master Servicer, 2255 North Ontario Street, Burbank, California 91504-3120, Attention: Bond Administration or such other address as may be hereafter furnished to the Depositor and the Trustee by the Master Servicer in writing; (c) in the case of the Trustee, 4 New York Plaza, 6th Floor, New York, New York 10004, Attention: Institutional Trust Services/Global Debt, RAMP 2004-RS6 or such other address as may hereafter be furnished to the Depositor and the Master Servicer in writing by the Trustee; (d) in the case of Standard & Poor's, 55 Water Street, New York, New York 10041 Attention: Mortgage Surveillance or such other address as may be hereafter furnished to the Depositor, Trustee and Master Servicer by Standard & Poor's; and (e) in the case of Moody's, 99 Church Street, New York, New York 10007, Attention: ABS Monitoring Department, or such other address as may be hereafter furnished to the Depositor, the Trustee and the Master Servicer in writing by Moody's. Any notice required or permitted to be mailed 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, whether or not the Certificateholder receives such notice. Section 11.06.Notices to Rating Agencies. The Depositor, the Master Servicer or the Trustee, as applicable, (a) shall notify each Rating Agency at such time as it is otherwise required pursuant to this Agreement to give notice of the occurrence of, any of the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below, (b) shall notify the Subservicer at such time as it is otherwise required pursuant to this Agreement to give notice of the occurrence of any of the events described in clause (a), (b), (c)(1), (g)(1) or (i) below, or (c) provide a copy to each Rating Agency at such time as otherwise required to be delivered pursuant to this Agreement of any of the statements described in clauses (e) and (f) below: (a) a material change or amendment to this Agreement, (b) the occurrence of an Event of Default, (c) (1) the termination or appointment of a successor Master Servicer or (2) the termination or appointment of a successor Trustee or a change in the majority ownership of the Trustee, (d) the filing of any claim under the Master Servicer's blanket fidelity bond and the errors and omissions insurance policy required by Section 3.12 or the cancellation or modification of coverage under 152 any such instrument, (e) the statement required to be delivered to the Holders of each Class of Certificates pursuant to Section 4.03, 157 (f) the statements required to be delivered pursuant to Sections 3.18 and 3.19, (g) (1) a change in the location of the Custodial Account or (2) a change in the location of the Certificate Account, (h) the occurrence of any monthly cash flow shortfall to the Holders of any Class of Certificates resulting from the failure by the Master Servicer to make an Advance pursuant to Section 4.04, (i) the occurrence of the Final Distribution Date and (j) the repurchase of or substitution for any Mortgage Loan, provided, however, that with respect to notice of the occurrence of the events described in clauses (d), (g) or (h) above, the Master Servicer shall provide prompt written notice to each Rating Agency and the Subservicer of any such event known to the Master Servicer. Section 11.07.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 11.08.Supplemental Provisions for Resecuritization. -------------------------------------------- (a) This Agreement may be supplemented by means of the addition of a separate Article hereto (a "Supplemental Article") for the purpose of resecuritizing any of the Certificates issued hereunder, under the following circumstances. With respect to any Class or Classes of Certificates issued hereunder, or any portion of any such Class, as to which the Depositor or any of its Affiliates (or any designee thereof) is the registered Holder (the "Resecuritized Certificates"), the Depositor may deposit such Resecuritized Certificates into a new REMIC, grantor trust, FASIT or custodial arrangement (a "Restructuring Vehicle") to be held by the Trustee pursuant to a Supplemental Article. The instrument adopting such Supplemental Article shall be executed by the Depositor, the Master Servicer and the Trustee; provided, that neither the Master Servicer nor the Trustee shall withhold their consent thereto if their respective interests would not be materially adversely affected thereby. To the extent that the terms of the Supplemental Article do not in any way affect any provisions of this Agreement as to any of the Certificates initially issued hereunder, the adoption of the Supplemental Article shall not constitute an "amendment" of this Agreement. Each Supplemental Article shall set forth all necessary provisions relating to the holding of the Resecuritized Certificates by the Trustee, the establishment of the Restructuring Vehicle, the issuing of various classes of new certificates by the Restructuring Vehicle and the distributions to be made thereon, and any other provisions necessary to the purposes thereof. In connection with each Supplemental Article, the Depositor shall deliver to the Trustee an Opinion of Counsel to the effect that (i) the Restructuring Vehicle will qualify as a REMIC, grantor trust, FASIT or other entity not subject to taxation for 158 federal income tax purposes and (ii) the adoption of the Supplemental Article will not endanger the status of any of REMIC I, REMIC II, REMIC III or REMIC IV as a REMIC or result in the imposition of a tax upon the Trust Fund (including but not limited to the tax on prohibited transaction as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC as set forth in Section 860G(d) of the Code. Section 11.09.[Reserved]. Section 11.10.Third Party Beneficiary. The Limited Repurchase Right Holder is an express third-party beneficiary of Section 4.08 of this Agreement, and shall have the right to enforce the related provisions of Section 4.08 of this Agreement as if it were a party hereto. 159 IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized and their respective seals, duly attested, to be hereunto affixed, all as of the day and year first above written. [Seal] RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. Attest: By: ---------------------------------------- Name: Joe Orning Name: Benita Bjorgo Title: Vice President Title: Vice President [Seal] RESIDENTIAL FUNDING CORPORATION Attest: By: --------------------------------------- Name: Benita Bjorgo Name: Joe Orning Title: Associate Title: Associate [Seal] JPMORGAN CHASE BANK as Trustee Attest: By: ---------------------------------------- Name: Name: Peggy L. Remy Title: Title: Trust Officer 160 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of June, 2004 before me, a notary public in and for said State, personally appeared Benita Bjorgo, known to me to be a Vice President of Residential Asset Mortgage Products, 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] 161 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of June, 2004 before me, a notary public in and for said State, personally appeared Joe Orning, known to me to be an Associate of Residential Funding Corporation, 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] 162 STATE OF NEW YORK ) ) ss.: COUNTY OF NEW YORK ) On the 29th day of June 2004 before me, a notary public in and for said State, personally appeared Peggy L. Remy, known to me to be a Trust Officer of JPMorgan Chase Bank, a New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking 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] 163 EXHIBIT A FORM OF CLASS [A-_] 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. Class A-__ Senior Certificate No. __ [___%] [Adjustable] Pass-Through Rate Date of Pooling and Servicing Agreement and Cut-off Date: Percentage Interest: ___% June 1, 2004 First Distribution Date: Aggregate Initial Certificate Principal July 26, 2004 Balance of the Class A-__ Certificates: $___________ Master Servicer: Residential Funding Corporation Final Scheduled Distribution Date: Initial Certificate Principal _________ __, 20__ Balance of this Class A-__ Certificate: $___________ Maturity Date: CUSIP ________ _________ __, 20__ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2004-RS6 evidencing a percentage interest in the distributions allocable to the Class A-__ Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed and adjustable interest rate first lien mortgage loans sold by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Depositor, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that ____________ is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed and adjustable interest rate first lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement') among the Depositor, the Master Servicer and JPMorgan A-2 Chase Bank, as trustee (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, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered [at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution] [at the close of business on the Business Day prior to such Distribution Date] (the "Record Date"), from the related Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any, required to be distributed to Holders of Class A-__ Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed 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 of the pendency of such distribution and only upon presentation and surrender of, this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). 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. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. A-3 The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement from time to time by the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. 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 the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of 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 Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and there upon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee, and the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining [Group I] [Group II] A-4 Loans and all property acquired in respect of such [Group I] [Group II] Loans, thereby effecting early retirement of the related Certificates. The Agreement permits, but does not require, the Master Servicer (i) to purchase, at a price determined as provided in the Agreement, all remaining [Group I] [Group II] Loans and all property acquired in respect of any [Group I] [Group II] Loan or (ii) subject to the terms of the Agreement, to purchase in whole, but not in part, all of the Class A-[_] Certificates [and Class M-[_] Certificates] from the Holders thereof, provided, that any such option may only be exercised if the aggregate Stated Principal Balance of the [Group I] [Group II] Loans, as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the [Group I] [Group II] Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. A-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. JPMORGAN CHASE BANK, as Trustee By: ____________________________ Authorized Signatory Dated: June 29, 2004 CERTIFICATE OF AUTHENTICATION This is one of the Class A-__ Certificates referred to in the within-mentioned Agreement. JPMORGAN CHASE BANK, as Certificate Registrar By: _______________________________ Authorized Signatory A-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) the beneficial interest evidenced by the within Trust Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination 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. A-7 EXHIBIT B FORM OF CLASS [M-_] CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS [A-_][M-_] CERTIFICATES, AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW). 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"). NO TRANSFER OF THIS CLASS [M-_] CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED EITHER (A) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, THE DEPOSITOR AND THE MASTER SERVICER WITH RESPECT TO THE PERMISSIBILITY OF SUCH TRANSFER UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), AND SECTION 4975 OF THE CODE AND STATING, AMONG OTHER THINGS, THAT THE TRANSFEREE'S ACQUISITION OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE TRUSTEE, THE DEPOSITOR OR THE MASTER SERVICER TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT OR (B) A REPRESENTATION LETTER, IN THE FORM DESCRIBED IN THE AGREEMENT, EITHER STATING THAT THE TRANSFEREE IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN OR ARRANGEMENT SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA OR SECTION 4975 OF THE CODE (A "PLAN") OR ANY OTHER PERSON (INCLUDING AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY PLAN) ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF OF OR PURCHASING ANY CERTIFICATE WITH "PLAN ASSETS" OF ANY PLAN (A "PLAN INVESTOR"), OR STATING THAT (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS TO BE USED BY IT TO PURCHASE THE CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (WITHIN THE MEANING OF DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION ("PTCE") 95-60), AND (III) THE CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (B), A "COMPLYING INSURANCE COMPANY"). NOTWITHSTANDING THE ABOVE, WITH RESPECT TO THE TRANSFER OF THIS CERTIFICATE TO A DEPOSITORY OR ANY SUBSEQUENT TRANSFER OF ANY INTEREST IN THIS CERTIFICATE FOR SO LONG AS THIS CERTIFICATE IS HELD BY A DEPOSITORY, (I) NEITHER AN OPINION OF COUNSEL NOR A CERTIFICATION, EACH AS DESCRIBED IN THE FOREGOING PARAGRAPH, SHALL BE REQUIRED, AND (II) THE FOLLOWING CONDITIONS SHALL APPLY: B-1 1. ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) THAT EITHER (A) SUCH TRANSFEREE IS NOT A PLAN INVESTOR OR (B) SUCH TRANSFEREE IS A COMPLYING INSURANCE COMPANY; AND 2. IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD IN VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR OR (II) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE. ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 5.02(e) OF THE POOLING AND SERVICING AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE DEPOSITOR, THE TRUSTEE, THE MASTER SERVICER, ANY SUBSERVICER, AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING. B-2 Class M-_ Mezzanine Certificate No. 1 Date of Pooling and Servicing [____%] [Adjustable] Pass-Through Rate Agreement and Cut-off Date June 1, 2004 First Distribution Date: Percentage Interest: ___% July 26, 2004 Master Servicer: Aggregate Certificate Principal Balance of the Residential Funding Corporation Class M-_ Certificates: $________ Final Scheduled Distribution Date: Initial Certificate Principal Balance of this _________ __, 20__ Class M-_ Certificate: $__________ Maturity Date: CUSIP _________ __, 20__

MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2004-RS6 evidencing a percentage interest in the distributions allocable to the Class M-_ Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed and adjustable interest rate, first lien mortgage loans sold by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Depositor, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that _________ is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed and adjustable interest rate, first lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Depositor, the Master Servicer and JPMorgan Chase Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is B-3 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, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered [at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution] [at the close of business on the Business Day prior to such Distribution Date] (the "Record Date"), from the related Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any, required to be distributed to Holders of Class M-_ Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed 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 of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. As described above, no transfer of this Class M-_ Certificate will be made unless (i) the Trustee has received either an Opinion of Counsel or a representation letter, each as described in the Agreement, relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, or (ii) this Certificate is held by a Depository, in which case the Transferee will be deemed to have made representations relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, as described in Section 5.02(e) of the Agreement. In addition, any purported Certificate Owner whose acquisition or holding of this Certificate (or interest herein) was effected in violation of the restrictions in Section 5.02(e) of the Agreement shall indemnify and hold harmless the Depositor, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). B-4 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. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. 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 the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of 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 Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement as provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the B-5 Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining [Group I] [Group II] Loans and all property acquired in respect of such [Group I][Group II] Loans, thereby effecting early retirement of the related Certificates. The Agreement permits, but does not require, the Master Servicer (i) to purchase, at a price determined as provided in the Agreement, all remaining [Group I][Group II] Loans and all property acquired in respect of any [Group I][Group II] Loan or (ii) subject to the terms of the Agreement, to purchase in whole, but not in part, all of the Class A-[_] Certificates and Class M-[_] Certificates from the Holders thereof, provided, that any such option may only be exercised if the aggregate Stated Principal Balance of the [Group I][Group II] Loans, as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the [Group I][Group II] Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. B-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. JPMORGAN CHASE BANK, as Trustee By: __________________________ Authorized Signatory Dated: June 29, 2004 CERTIFICATE OF AUTHENTICATION This is one of the Class M-_ Certificates referred to in the within-mentioned Agreement. JPMORGAN CHASE BANK, as Certificate Registrar By: __________________________ Authorized Signatory B-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) the beneficial interest evidenced by the within Trust Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination 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. B-8 EXHIBIT C FORM OF CLASS SB-__ CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS [A-_][M- _] CERTIFICATES AS DESCRIBED IN THE AGREEMENT (AS DEFINED 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. 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 WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT (THE "AGREEMENT"). NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST HEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO ERISA OR SECTION 4975 OF THE CODE (A "PLAN"), ANY PERSON ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF OF ANY PLAN OR ANY PERSON ACQUIRING SUCH CERTIFICATES WITH "PLAN ASSETS" OF A PLAN WITHIN THE MEANING OF THE DEPARTMENT OF LABOR REGULATION PROMULGATED AT 29 C.F.R. ss.2510.3-101 UNLESS THE DEPOSITOR, THE TRUSTEE AND THE MASTER SERVICER ARE PROVIDED WITH AN OPINION OF COUNSEL WHICH ESTABLISHES TO THE SATISFACTION OF THE DEPOSITOR, THE TRUSTEE AND THE MASTER SERVICER THAT THE PURCHASE OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE DEPOSITOR, THE MASTER SERVICER OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE DEPOSITOR, THE MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND. C-9 Certificate No. __ Variable Pass-Through Rate Class SB-__ Subordinate Date of Pooling and Servicing Percentage Interest: ___% and Cut-off Date: June 1, 2004 First Distribution Date: Aggregate Initial Certificate Principal Balance July 26, 2004 of the Class SB-__ Certificates: $________ Master Servicer: Initial Certificate Principal Balance Residential Funding Corporation of this Certificate: $________ Final Scheduled Distribution Date: CUSIP: ________ _________ __, 20__ Maturity Date: _________ __, 20__

MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2004-RS6 evidencing a percentage interest in the distributions allocable to the Class SB-__ Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed and adjustable interest rate first lien mortgage loans sold by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or any of their affiliates. None of the Depositor, the Master Servicer or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that ________ is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed and adjustable interest rate first lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement C-2 referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Depositor, the Master Servicer and JPMorgan Chase Bank, as trustee (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, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the related Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any, required to be distributed to Holders of Class SB-__ Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed 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 of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Notional Amount of this Class SB-__ Certificate as of any date of determination will be calculated as described in the Agreement. The Notional Amount hereof will be reduced by interest shortfalls on the related Loan Group including any Prepayment Interest Shortfalls not covered by Compensating Interest or related Excess Cash Flow, and the interest portion of any Realized Losses incurred in respect thereof. This Class SB-__ Certificate will accrue interest at the Pass-Through Rate on the Notional Amount as indicated in the definition of Accrued Certificate Interest in the Agreement. This Class SB-__ Certificate will not accrue interest on its Certificate Principal Balance. No transfer of this Class SB-__ Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is to be made, (i) the Trustee or the Depositor may require an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Depositor that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act of 1933, as amended, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described by the Agreement. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Depositor, the Master Servicer and the Certificate Registrar acting on C-3 behalf of the Trustee 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 or any interest herein shall be made to any employee benefit plan or other plan or arrangement subject to ERISA or Section 4975 of the Code (a "Plan"), any Person acting, directly or indirectly, on behalf of any Plan or any Person acquiring such Certificates with "plan assets" of a Plan within the meaning of the Department of Labor regulation promulgated at 29 C.F.R. ss.2510.3-101 unless the Depositor, the Trustee and the Master Servicer are provided with an Opinion of Counsel which establishes to the satisfaction of the Depositor, the Trustee and the Master Servicer that the purchase of this Certificate is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code and will not subject the Depositor, the Master Servicer or the Trustee to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Agreement, which Opinion of Counsel shall not be an expense of the Depositor, the Master Servicer, the Trustee or the Trust Fund. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). 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. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement from time to time by the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. 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 the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of 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 C-4 registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee, the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining [Group I] [Group II] Loans and all property acquired in respect of such [Group I] [Group II] Loans, thereby effecting early retirement of the related Certificates. The Agreement permits, but does not require, the Master Servicer (i) to purchase, at a price determined as provided in the Agreement, all remaining [Group I] [Group II] Loans and all property acquired in respect of any [Group I] [Group II] Loan or (ii) subject to the terms of the Agreement, to purchase in whole, but not in part, all of the Class A-[_] Certificates and Class M-[_] Certificates from the Holders thereof, provided, that any such option may only be exercised if the aggregate Stated Principal Balance of the [Group I] [Group II] Loans, as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the [Group I] [Group II] Loans. C-5 Unless the certificate of authentication hereon has been executed by the Certificate Registrar by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. C-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. JPMORGAN CHASE BANK, as Trustee By: Authorized Signatory Dated: June 29, 2004 CERTIFICATE OF AUTHENTICATION This is one of the Class SB-__ Certificates referred to in the within-mentioned Agreement. JPMORGAN CHASE BANK, as Certificate Registrar By: _______________________________ Authorized Signatory C-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) the beneficial interest evidenced by the within Trust Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination 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. C-8 EXHIBIT D FORM OF CLASS R CERTIFICATE THE CLASS R-__ CERTIFICATE WILL NOT BE ENTITLED TO PAYMENTS CONSTITUTING THE AVAILABLE DISTRIBUTION AMOUNT UNTIL SUCH TIME AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN (THE "AGREEMENT"). THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL 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 WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT (THE "AGREEMENT"). NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST HEREIN SHALL BE MADE TO ANY EMPLOYEE BENEFIT PLAN OR OTHER PLAN OR ARRANGEMENT SUBJECT TO ERISA OR SECTION 4975 OF THE CODE (A "PLAN"), ANY PERSON ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF OF ANY PLAN OR ANY PERSON ACQUIRING SUCH CERTIFICATES WITH "PLAN ASSETS" OF A PLAN WITHIN THE MEANING OF THE DEPARTMENT OF LABOR REGULATION PROMULGATED AT 29 C.F.R. ss.2510.3-101 UNLESS THE DEPOSITOR, THE TRUSTEE AND THE MASTER SERVICER ARE PROVIDED WITH AN OPINION OF COUNSEL WHICH ESTABLISHES TO THE SATISFACTION OF THE DEPOSITOR, THE TRUSTEE AND THE MASTER SERVICER THAT THE PURCHASE OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE DEPOSITOR, THE MASTER SERVICER OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE DEPOSITOR, THE MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND. ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY E-1 FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS. EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B) OR (C) BEING HEREIN REFERRED TO AS A "DISQUALIFIED ORGANIZATION") OR (D) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OR 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 OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH. D-2 Class R-__ Certificate No. __ Date of Pooling and Servicing Percentage Interest: __% Agreement and Cut-off Date: June 1, 2004 First Distribution Date: Initial Certificate Principal July 26, 2004 Balance of this Certificate: $______ Master Servicer: Residential Funding Corporation MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2004-RS6 evidencing a percentage interest in any distributions allocable to the Class R-__ Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed and adjustable interest rate first lien mortgage loans sold by RESIDENTIAL ASSET MORTGAGE. PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or any of their affiliates. None of the Depositor, the Master Servicer or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that ___________ is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed and adjustable interest rate first lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement) among the Depositor, the Master Servicer and JPMorgan Chase Bank, as trustee (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, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this D-3 Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the related Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and, the amount of interest and principal, if any, required to be distributed to Holders of Class R Certificates on such Distribution Date. Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a United States Person and a Permitted Transferee, (ii) the transfer of any Ownership Interest in this Certificate will be conditioned upon the delivery to the Trustee of, among other things, an affidavit to the effect that it is a United States Person and Permitted Transferee, (ii) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee, and (iv) if any person other than a United States Person and a Permitted Transferee acquires any Ownership Interest in this Certificate in violation of such restrictions, then the Master Servicer will have the right, in its sole discretion and without notice to the Holder of this Certificate, to sell this Certificate to a purchaser selected by the Master Servicer, which purchaser may be the Master Servicer, or any affiliate of the Master Servicer, on such terms and conditions as the Master Servicer may choose. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Holder of this Certificate may have additional obligations with respect to this Certificate, including tax liabilities. No transfer of this Class R-__ Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is to be made, (i) the Trustee or the Depositor may require an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Depositor that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act of 1933, as amended, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described by the Agreement. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Depositor, the Master Servicer and the Certificate Registrar acting on behalf of the Trustee 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 or any interest herein shall be made to any employee benefit plan or other plan or arrangement subject to ERISA or Section 4975 of the Code (a "Plan"), any Person acting, directly or indirectly, on behalf of any such plan or arrangement or any Person acquiring such Certificates with "plan assets" of a Plan within the meaning of the Department of Labor regulation promulgated at 29 C.F.R. ss.2510.3-101 unless the Depositor, the Trustee and the Master Servicer are provided with an Opinion of Counsel which establishes to the satisfaction of the D-4 Depositor, the Trustee and the Master Servicer that the purchase of this Certificate is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code and will not subject the Depositor, the Master Servicer or the Trustee to any obligation or liability (including obligations, or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Agreement, which Opinion of Counsel shall not be an expense of the Depositor, the Master Servicer, the Trustee or the Trust Fund. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). 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. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement from time to time by the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. 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 the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of 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 Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain D-5 limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee, the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of these Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the related Certificates. The Agreement permits, but does not require, the Master Servicer (i) to purchase, at a price determined as provided in the Agreement, all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) subject to the terms of the Agreement, to purchase in whole, but not in part, all of the related Certificates from the Holders thereof; provided, that any such option may only be exercised if the aggregate Stated Principal Balance of the related Mortgage Loans, as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the related Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. D-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. JPMORGAN CHASE BANK, as Trustee By: Authorized Signatory Dated: June 29, 2004 CERTIFICATE OF AUTHENTICATION This is one of the Class R-__ Certificates referred to in the within-mentioned Agreement. JPMORGAN CHASE BANK, as Certificate Registrar By: _______________________________ Authorized Signatory D-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) the beneficial interest evidenced by the within Trust Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination 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. D-8 EXHIBIT E FORM OF CUSTODIAL AGREEMENT THIS CUSTODIAL AGREEMENT (as amended and supplemented from time to time, the "Agreement"), dated as of June 1, 2004, by and among JPMORGAN CHASE BANK, as trustee (including its successors under the Pooling Agreement defined below, the "Trustee"), RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as company (together with any successor in interest, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with any successor in interest or successor under the Pooling Agreement referred to below, the "Master Servicer") and WELLS FARGO BANK, N.A., as custodian (together with any successor in interest or any successor appointed hereunder, the "Custodian"). W I T N E S S E T H T H A T: WHEREAS, the Company, the Master Servicer, and the Trustee have entered into a Pooling and Servicing Agreement, dated as of June 1, 2004, relating to the issuance of Residential Asset Mortgage Products, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2004-RS6 (as in effect on the date of this Agreement, the "Original Pooling Agreement," and as amended and supplemented from time to time, the "Pooling Agreement"); and WHEREAS, the Custodian has agreed to act as agent for the Trustee for the purposes of receiving and holding certain documents and other instruments delivered by the Company and the Master Servicer under the Pooling Agreement, all upon the terms and conditions and subject to the limitations hereinafter set forth; NOW, THEREFORE, in consideration of the premises and the mutual covenants and agreements hereinafter set forth, the Trustee, the Company, the Master Servicer and the Custodian hereby agree as follows: ARTICLE I Definitions Capitalized terms used in this Agreement and not defined herein shall have the meanings assigned in the Original Pooling Agreement, unless otherwise required by the context herein. ARTICLE II Custody of Mortgage Documents Section 2.1 Custodian to Act as Agent: Acceptance of Mortgage Files. The Custodian, as the duly appointed agent of the Trustee for these purposes, acknowledges receipt of the Mortgage Files relating to the Mortgage Loans identified on the schedule attached hereto (the "Mortgage Files") and declares that it holds and will hold the Mortgage Files as agent for the Trustee, in trust, for the use and benefit of all present and future Certificateholders. Section 2.2 Recordation of Assignments. If any Mortgage File includes one or more assignments of the related Mortgage Loans to the Trustee that have not been recorded, each such assignment shall be delivered by the Custodian to the Company for the purpose of recording it in the appropriate public office for real property records, and the Company, at no expense to the Custodian, shall promptly cause to be recorded in the appropriate public office for real property records each such assignment and, upon receipt thereof from such public office, shall return each such assignment to the Custodian. Section 2.3 Review of Mortgage Files. (a) On or prior to the Closing Date, the Custodian shall deliver to the Trustee an Initial Certification in the form annexed hereto as Exhibit One evidencing receipt of a Mortgage File for each Mortgage Loan listed on the Schedule attached hereto (the "Mortgage Loan Schedule"). The parties hereto acknowledge that certain documents referred to in Subsection 2.01(b)(i) of the Pooling Agreement may be missing on or prior to the Closing Date and such missing documents shall be listed as a Schedule to Exhibit One. (b) Within 45 days of the initial issuance of the Certificates, the Custodian agrees, for the benefit of Certificateholders, to review in accordance with the provisions of Section 2.02 of the Pooling Agreement each Mortgage File and to deliver to the Trustee an Interim Certification in the form annexed hereto as Exhibit Two to the effect that all documents required to be delivered pursuant to Section 2.01 (b) of the Pooling Agreement have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, except for any exceptions listed on Schedule A attached to such Interim Certification. For purposes of such review, the Custodian shall compare the following information in each Mortgage File to the corresponding information in the Mortgage Loan Schedule: (i) the loan number, (ii) the borrower name and (iii) the original principal balance. The Custodian shall be under no duty or obligation to inspect, review or examine said documents, instruments, certificates or other papers to determine that the same are genuine, enforceable, or appropriate for the represented purpose or that they have actually been recorded or that they are other than what they purport to be on their face, or that the MIN is accurate. If in performing the review required by this Section 2.3 the Custodian finds any document or documents constituting a part of a Mortgage File to be missing or defective in respect of the items reviewed as described in this Section 2.3(b), the Custodian shall promptly so notify the Company, the Master Servicer and the Trustee. (c) Upon receipt of all documents required to be in the Mortgage Files the Custodian shall deliver to the Trustee a Final Certification in the form annexed hereto as Exhibit Three evidencing the completeness of the Mortgage Files. Upon receipt of written request from the Trustee, the Company or the Master Servicer, the Custodian shall as soon as practicable supply the Trustee with a list of all of the documents relating to the Mortgage Loans required to be delivered pursuant to Section 2.01 (b) of the Pooling Agreement not then contained in the Mortgage Files. E-2 Section 2.4 Notification of Breaches of Representations and Warranties. If the Custodian discovers, in the course of performing its custodial functions, a breach of a representation or warranty made by the Master Servicer or the Company as set forth in the Pooling Agreement with respect to a Mortgage Loan relating to a Mortgage File, the Custodian shall give prompt written notice to the Company, the Master Servicer and the Trustee. Section 2.5 Custodian to Cooperate: Release of Mortgage Files. Upon the repurchase or substitution of any Mortgage Loan pursuant to Article II of the Pooling Agreement or payment in full of any Mortgage Loan, or the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer shall immediately notify the Custodian by delivering to the Custodian a Request for Release (in the form of Exhibit Four attached hereto or a mutually acceptable electronic form) and shall request delivery to it of the Mortgage File. The Custodian agrees, upon receipt of such Request for Release, promptly to release to the Master Servicer the related Mortgage File. Upon written notification of a substitution, the Master Servicer shall deliver to the Custodian and the Custodian agrees to accept the Mortgage Note and other documents constituting the Mortgage File with respect to any Qualified Substitute Mortgage Loan, upon receiving written notification from the Master Servicer of such substitution. Upon receipt of a Request for Release from the Master Servicer, signed by a Servicing Officer, that (i) the Master Servicer or a Subservicer, as the case may be, has made a deposit into the Certificate Account in payment for the purchase of the related Mortgage Loan in an amount equal to the Purchase Price for such Mortgage Loan or (ii) the Company has chosen to substitute a Qualified Substitute Mortgage Loan for such Mortgage Loan, the Custodian shall release to the Master Servicer the related Mortgage File. From time to time as is appropriate for the servicing or foreclosures of any Mortgage Loan, including, for this purpose, collection under any Primary Insurance Policy or any Mortgage Pool Insurance Policy, the Master Servicer shall deliver to the Custodian a Request for Release certifying as to the reason for such release. Upon receipt of the foregoing, the Custodian shall deliver the Mortgage File or such document to the Master Servicer. The Master Servicer shall cause each Mortgage File or any document therein so released to be returned to the Custodian when the need therefor by the Master Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Custodial Account or (ii) 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 an updated Request for Release signed by 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. Immediately upon receipt of any Mortgage File returned to the Custodian by the Master Servicer, the Custodian shall deliver a signed acknowledgment to the Master Servicer, confirming receipt of such Mortgage File. Upon the request of the Master Servicer, the Custodian will send to the Master Servicer copies of any documents contained in the Mortgage File. E-3 Section 2.6 Assumption Agreements. In the event that any assumption agreement or substitution of liability agreement is entered into with respect to any Mortgage Loan subject to this Agreement in accordance with the terms and provisions of the Pooling Agreement, the Master Servicer shall notify the Custodian that such assumption or substitution agreement has been completed by forwarding to the Custodian the original of such assumption or substitution agreement, which shall be added to the related Mortgage File and, for all purposes, shall be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting parts thereof. ARTICLE III Concerning the Custodian Section 3.1 Custodian a Bailee and Agent of the Trustee. With respect to each Mortgage Note, Mortgage and other documents constituting each Mortgage File which are delivered to the Custodian, the Custodian is exclusively the bailee and agent of the Trustee and has no instructions to hold any Mortgage Note or Mortgage for the benefit of any person other than the Trustee and the Certificateholders and undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. Except upon compliance with the provisions of Section 2.5 of this Agreement, no Mortgage Note, Mortgage or other document constituting a part of a Mortgage File shall be delivered by the Custodian to the Company or the Master Servicer or otherwise released from the possession of the Custodian. The Master Servicer shall promptly notify the Custodian in writing if it shall no longer be a member of MERS, or if it otherwise shall no longer be capable of registering and recording Mortgage Loans using MERS. In addition, the Master Servicer shall (i) promptly notify the Custodian in writing when a MERS Mortgage Loan is no longer registered with and recorded under MERS and (ii) concurrently with any such deregistration of a MERS Mortgage Loan, prepare, execute and record an original assignment from MERS to the Trustee and deliver such assignment to the Custodian. Section 3.2 Indemnification. The Company hereby agrees to indemnify and hold the Custodian harmless from and against all claims, liabilities, losses, actions, suits or proceedings at law or in equity, or any other expenses, fees or charges of any character or nature, which the Custodian may incur or with which the Custodian may be threatened by reason of its acting as custodian under this Agreement, including indemnification of the Custodian against any and all expenses, including attorney's fees if counsel for the Custodian has been approved by the Company, and the cost of defending any action, suit or proceedings or resisting any claim. Notwithstanding the foregoing, it is specifically understood and agreed that in the event any such claim, liability, loss, action, suit or proceeding or other expense, fee or charge shall have been caused by reason of any negligent act, negligent failure to act or willful misconduct on the part of the Custodian, or which shall constitute a willful breach of its duties hereunder, the indemnification provisions of this Agreement shall not apply. E-4 Section 3.3 Custodian May Own Certificates. The Custodian in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Custodian. Section 3.4 Master Servicer to Pay Custodian's Fees and Expenses. The Master Servicer covenants and agrees to pay to the Custodian from time to time, and the Custodian shall be entitled to, reasonable compensation for all services rendered by it in the exercise and performance of any of the powers and duties hereunder of the Custodian, and the Master Servicer will pay or reimburse the Custodian upon its request for all reasonable expenses, disbursements and advances incurred or made by the Custodian in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ), except any such expense, disbursement or advance as may arise from its negligence or bad faith. Section 3.5 Custodian May Resign: Trustee May Remove Custodian. The Custodian may resign from the obligations and duties hereby imposed upon it as such obligations and duties relate to its acting as Custodian of the Mortgage Loans. Upon receiving such notice of resignation, the Trustee shall either take custody of the Mortgage Files itself and give prompt notice thereof to the Company, the Master Servicer and the Custodian, or promptly appoint a successor Custodian by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Custodian and one copy to the successor Custodian. If the Trustee shall not have taken custody of the Mortgage Files and no successor Custodian shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Custodian may petition any court of competent jurisdiction for the appointment of a successor Custodian. The Trustee may remove the Custodian at any time, with or without cause. In such event, the Trustee shall appoint, or petition a court of competent jurisdiction to appoint, a successor Custodian hereunder. Any successor Custodian shall be a depository institution subject to supervision or examination by federal or state authority and shall be able to satisfy the other requirements contained in Section 3.7 and shall be unaffiliated with the Master Servicer or the Company. Any resignation or removal of the Custodian and appointment of a successor Custodian pursuant to any of the provisions of this Section 3.5 shall become effective upon acceptance of appointment by the successor Custodian. The Trustee shall give prompt notice to the Company and the Master Servicer of the appointment of any successor Custodian. No successor Custodian shall be appointed by the Trustee without the prior approval of the Company and the Master Servicer. Section 3.6 Merger or Consolidation of Custodian. Any Person into which the Custodian may be merged or converted or with which it may be consolidated, or any Person resulting from any merger, conversion or consolidation to which the Custodian shall be a party, or any Person succeeding to the business of the Custodian, shall be the successor of the Custodian hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. E-5 Section 3.7 Representations of the Custodian. The Custodian hereby represents that it is a depository institution subject to supervision or examination by a federal or state authority, has a combined capital and surplus of at least $15,000,000 and is qualified to do business in the jurisdictions in which it will hold any Mortgage File. ARTICLE IV Miscellaneous Provisions Section 4.1 Notices. All notices, requests, consents and demands and other communications required under this Agreement or pursuant to any other instrument or document delivered hereunder shall be in writing and, unless otherwise specifically provided, may be delivered personally, by telegram or telex, or by registered or certified mail, postage prepaid, return receipt requested, at the addresses specified on the signature page hereof (unless changed by the particular party whose address is stated herein by similar notice in writing), in which case the notice will be deemed delivered when received. Section 4.2 Amendments. No modification or amendment of or supplement to this Agreement shall be valid or effective unless the same is in writing and signed by all parties hereto, and neither the Company, the Master Servicer nor the Trustee shall enter into any amendment hereof except as permitted by the Pooling Agreement. The Trustee shall give prompt notice to the Custodian of any amendment or supplement to the Pooling Agreement and furnish the Custodian with written copies thereof. Section 4.3 GOVERNING LAW. THIS AGREEMENT SHALL BE DEEMED A CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK. Section 4.4 Recordation of Agreement. 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 and at its expense on direction by the Trustee (pursuant to the request of holders of Certificates evidencing undivided interests in the aggregate of not less than 25% of the Trust Fund), but only upon direction accompanied by an Opinion of Counsel reasonably satisfactory to the Master Servicer to the effect that the failure to effect such recordation is likely to materially and adversely affect 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. E-6 Section 4.5 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. E-7 IN WITNESS WHEREOF, this Agreement is executed as of the date first above written. Address: JPMORGAN CHASE BANK, as Trustee 4 New York Plaza, 6th Floor New York, New York 10004 By:__________________________ Name: Peggy L. Remy Title: Trust Officer Address: RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 By:__________________________ Name: Benita Bjorgo Title: Vice President Address: RESIDENTIAL FUNDING CORPORATION, as Master Servicer 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 By:____________________________ Name: Joe Orning Title: Associate Address: WELLS FARGO BANK, N.A. Mortgage Document Custody One Meridian Crossings - 3rd Floor Richfield, Minnesota 55423 By:____________________________ Name: Herb A. Nelson Title: Assistant Vice President E-8 STATE OF NEW YORK ) )ss.: COUNTY OF NEW YORK ) On the 29th day of June, 2004, before me, a notary public in and for said State, personally appeared Peggy L. Remy, known to me to be a Trust Officer of JPMorgan Chase Bank, 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 [SEAL] E-9 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of June, 2004, before me, a notary public in and for said State, personally appeared Benita Bjorgo, known to me to be a Vice President of Residential Asset Mortgage Products, 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 MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of June, 2004, before me, a notary public in and for said State, personally appeared, Joe Orning, known to me to be a Associate of Residential Funding Corporation, 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] E-10 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of June, 2004, before me, a notary public in and for said State, personally appeared Herb A. Nelson, known to me to be an Assistant Vice President of Wells Fargo Bank, 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 national banking association, and acknowledged to me that such national banking association 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 E-11 EXHIBIT ONE FORM OF CUSTODIAN INITIAL CERTIFICATION June 29, 2004 JPMorgan Chase Bank 4 New York Plaza, 6th Floor New York, New York 10004 Attention: Residential Asset Mortgage Products, Inc., Series 2004-RS6 Re: Custodial Agreement, dated as of June 1, 2004, by and among JPMorgan Chase Bank, Residential Asset Mortgage Products, Inc., Residential Funding Corporation and Wells Fargo Bank, N.A., relating to Mortgage Asset-Backed Pass-Through Certificates, Series 2004-RS6 Ladies and Gentlemen: In accordance with Section 2.3 of the above-captioned Custodial Agreement, and subject to Section 2.02 of the Pooling Agreement, the undersigned, as Custodian, hereby certifies that it has received a Mortgage File (which contains an original Mortgage Note or an original Lost Note Affidavit with a copy of the related Mortgage Note) to the extent required in Section 2.01(b) of the Pooling Agreement with respect to each Mortgage Loan listed in the Mortgage Loan Schedule, with any exceptions listed on Schedule A attached hereto. Capitalized words and phrases used herein shall have the respective meanings assigned to them in the above-captioned Custodial Agreement. WELLS FARGO BANK, N.A. By:__________________________ Name:________________________ Title:_______________________ E-12 EXHIBIT TWO FORM OF CUSTODIAN INTERIM CERTIFICATION _______________, 2004 JPMorgan Chase Bank 4 New York Plaza, 6th Floor New York, New York 10004 Attention: Residential Asset Mortgage Products, Inc., Series 2004-RS6 Re: Custodial Agreement, dated as of June 1, 2004, by and among JPMorgan Chase Bank, Residential Asset Mortgage Products, Inc., Residential Funding Corporation and Wells Fargo Bank, N.A., relating to Mortgage Asset-Backed Pass-Through Certificates, Series 2004-RS6 Ladies and Gentlemen: In accordance with Section 2.3 of the above-captioned Custodial Agreement, the undersigned, as Custodian, hereby certifies that it has received a Mortgage File to the extent required pursuant to Section 2.01(b) of the Pooling Agreement with respect to each Mortgage Loan listed in the Mortgage Loan Schedule, and it has reviewed the Mortgage File and the Mortgage Loan Schedule and has determined that: all required documents have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, with any exceptions listed on Schedule A attached hereto. Capitalized words and phrases used herein shall have the respective meanings assigned to them in the above-captioned Custodial Agreement. WELLS FARGO BANK, N.A. By:__________________________ Name:________________________ Title:_______________________ E-13 EXHIBIT THREE FORM OF CUSTODIAN FINAL CERTIFICATION ______________, 2004 JPMorgan Chase Bank 4 New York Plaza, 6th Floor New York, New York 10004 Attention: Residential Asset Mortgage Products, Inc., Series 2004-RS6 Re: Custodial Agreement, dated as of June 1, 2004, by and among JPMorgan Chase Bank, Residential Asset Mortgage Products, Inc., Residential Funding Corporation and Wells Fargo Bank, N.A., relating to Mortgage Asset-Backed Pass-Through Certificates, Series 2004-RS6 Ladies and Gentlemen: In accordance with Section 2.3 of the above-captioned Custodial Agreement, the undersigned, as Custodian, hereby certifies that it has received a Mortgage File with respect to each Mortgage Loan listed in the Mortgage Loan Schedule and it has reviewed the Mortgage File and the Mortgage Loan Schedule and has determined that: all required documents referred to in Section 2.01(b) of the Pooling Agreement have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule. Capitalized words and phrases used herein shall have the respective meanings assigned to them in the above-captioned Custodial Agreement. WELLS FARGO BANK, N.A. By:__________________________ Name:________________________ Title:_______________________ E-14 EXHIBIT FOUR FORM OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with the administration of the pool of Mortgage Loans held by you for the referenced pool, we request the release of the Mortgage Loan File described below. Pooling and Servicing Agreement, Dated: Series#: Account#: Pool#: Loan#: MIN#: Borrower Name(s): Reason for Document Request: (circle one) Mortgage Loan Prepaid in Full Mortgage Loan Repurchased "We hereby certify that all amounts received or to be received in connection with such payments which are required to be deposited have been or will be so deposited as provided in the Pooling and Servicing Agreement." ______________________________ Residential Funding Corporation Authorized Signature **************************************************************** TO CUSTODIAN/TRUSTEE: Please acknowledge this request, and check off documents being enclosed with a copy of this form. You should retain this form for your files in accordance with the terms of the Pooling and Servicing Agreement. Enclosed Documents: [ ] Promissory Note [ ] Primary Insurance Policy [ ] Mortgage or Deed of Trust [ ] Assignment(s) of Mortgage or Deed of Trust [ ] Title Insurance Policy [ ] Other: ________________________ ___________________________ Name ___________________________ Title ___________________________ Date E-15 EXHIBIT F-1 GROUP I LOAN SCHEDULE F-1-1 EXHIBIT F-2 GROUP II-A LOAN SCHEDULE Non Fixed Rate Loan Loan Number Orig Rate Original Bal Max Neg Amort Curr Rate Principal Bal Loan Feature Net Curr Original PI # of Units Note Ceiling Current PI LTV City State Zip Net Ceiling Note Date Servicer Loan # Note Floor First Pay Date MI Co Code Seller Loan # Net Floor Maturity Date MI Coverage Investor Loan # Gross Margin 1st IntChgDate Nxt IntChgDate S/S Code Net Margin 1st PmtChgDate Nxt PmtChgDate Int Chg Prior Day 1st Yr Floor Pmt Cap Incr Pmt Cap Decr Payment Type 1st Yr Ceil Int Chg Freq Mos Pmt Chg Freq Mos Orig Term Adj Index Period Incr Period Decr Note Life Incr Note Round Type Note Round Mth Note Round Fctr Net Life Incr Net Round Type Net Round Mth Net Round Fctr Note Life Decr Loan Purp Convert Code Convert Prd From Net Life Decr Prop Type Convert Index Convert Prd To Occup Code Convert Margin 1424944 8.1250 50400.0000 100.0000 4.2500 44,534.00 ZZ 3.8750 374.22 3 14.1250 266.89 80 DAYTON OH 45405 13.7500 06/16/95 5003623691 0.0000 08/01/95 00 174227 0.0000 07/01/25 0.0000 0 3.0000 07/01/96 07/01/04 028/721 2.6250 08/01/96 08/01/04 45 6.1250 0.0000 0.0000 A 10.1250 12 12 360 1 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 1443732 9.3750 136800.0000 100.0000 5.0000 123,268.33 ZZ 4.6250 1137.83 1 15.3750 784.05 90 CARMEL IN 46033 15.0000 09/29/95 5003647641 0.0000 11/01/95 04 121653 0.0000 10/01/25 25.0000 0 3.7500 10/01/96 10/01/04 028/721 3.3750 11/01/96 11/01/04 45 7.3750 0.0000 0.0000 A 11.3750 12 12 360 1 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 E 10/01/96 0.0000 05 01 10/01/00 N 1.1250 1480772 6.2500 242000.0000 100.0000 4.1250 210,956.18 ZZ 3.7500 1490.04 1 12.2500 1259.07 90 KINNELON NJ 07405 11.8750 03/22/95 0021063862 0.0000 05/01/95 14 21063862 0.0000 04/01/25 25.0000 0 2.8750 04/01/96 04/01/05 429/S48 2.5000 05/01/96 05/01/05 45 4.2500 0.0000 0.0000 A 8.2500 12 12 360 1 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 1493786 8.8750 60350.0000 100.0000 4.6250 53,629.35 T 4.2500 480.17 1 14.8750 324.79 75 SUNRISE FL 33351 14.5000 04/05/96 0459970802 0.0000 06/01/96 00 410072193 0.0000 05/01/26 0.0000 0 3.5000 05/01/99 11/01/04 E22/G02 3.1250 06/01/99 12/01/04 25 5.8750 0.0000 0.0000 A 11.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 09 00 O 0.0000 1496803 7.2500 165000.0000 100.0000 4.5000 146,866.84 ZZ 4.1250 1125.59 1 13.2500 879.59 75 MERRITT ISLAND FL 32952 12.8750 04/10/96 0459970919 0.0000 06/01/96 00 410073662 0.0000 05/01/26 0.0000 0 3.3750 05/01/97 05/01/05 E22/G02 3.0000 06/01/97 06/01/05 45 5.2500 0.0000 0.0000 A 9.2500 12 12 360 1 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 1506300 8.5000 207200.0000 100.0000 4.1250 180,977.27 ZZ 3.7500 1593.19 1 14.5000 1042.28 80 FALLBROOK CA 92028 14.1250 06/05/96 0459946844 0.0000 08/01/96 00 2222131 0.0000 07/01/26 0.0000 0 2.8750 07/01/97 07/01/04 533/G02 2.5000 08/01/97 08/01/04 45 6.5000 0.0000 0.0000 A 10.5000 12 12 360 1 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 1510258 8.0000 51200.0000 100.0000 5.7500 41,287.61 ZZ 5.3750 375.69 1 15.1250 314.03 80 SHREWSBURY MA 01545 14.7500 09/13/91 11880016 0.0000 11/01/91 00 1880016 0.0000 10/01/21 0.0000 0 0.0000 10/01/94 10/01/04 F86/076 -0.3750 11/01/94 11/01/04 45 7.0000 0.0000 0.0000 A 9.0000 6 6 360 K 1.0000 1.0000 7.1250 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 1510332 7.1250 95000.0000 100.0000 5.7500 76,762.82 ZZ 5.3750 640.04 1 14.1250 571.25 68 MARLBOROUGH MA 01752 13.7500 05/07/92 11886436 0.0000 07/01/92 00 1886436 0.0000 06/01/22 0.0000 0 0.0000 06/01/95 12/01/04 F86/076 -0.3750 07/01/95 01/01/05 45 6.1250 0.0000 0.0000 A 8.1250 6 6 360 K 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 1510667 10.7500 33000.0000 100.0000 5.6250 20,763.63 ZZ 5.2500 308.05 1 0.0000 212.48 79 W BOYLSTON MA 01583 0.0000 04/12/85 11853706 0.0000 06/01/85 00 1853706 0.0000 05/01/15 0.0000 0 0.0000 05/01/86 11/01/04 F86/076 -0.3750 06/01/86 12/01/04 45 9.7500 0.0000 0.0000 A 11.7500 6 6 360 K 1.0000 1.0000 0.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 1510896 9.7500 58300.0000 100.0000 6.7500 41,420.32 ZZ 6.3750 500.89 1 0.0000 409.56 80 WORCESTER MA 01607 0.0000 11/21/86 11861306 0.0000 01/01/87 00 1861306 0.0000 12/01/16 0.0000 0 1.0000 12/01/87 12/01/04 F86/076 0.6250 01/01/88 01/01/05 45 8.7500 0.0000 0.0000 A 10.7500 6 6 360 K 1.0000 1.0000 0.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 N 0.0000 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84405 16.2500 11/22/97 0007348147 0.0000 01/01/98 23 973172 0.0000 12/01/27 0.0000 0 5.5000 12/01/99 12/01/04 E97/H62 5.0000 01/01/00 01/01/05 25 6.7500 0.0000 0.0000 A 12.7500 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 1737670 8.5000 73500.0000 100.0000 8.5000 69,629.02 ZZ 8.0000 565.15 1 14.5000 568.75 80 LITHIA SPRINGS GA 30122 14.0000 03/13/98 0800187221 8.5000 05/01/98 00 10071405 8.0000 04/01/28 0.0000 0 4.7500 04/01/99 04/01/05 K83/L06 4.2500 05/01/99 05/01/05 45 8.5000 0.0000 0.0000 A 10.5000 12 12 360 1 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 1737867 9.6250 66300.0000 100.0000 9.6250 63,353.40 ZZ 9.1250 563.54 1 15.6250 565.74 85 DAWSONVILLE GA 30534 15.1250 03/31/98 0800187742 0.0000 05/01/98 23 10069938 0.0000 04/01/28 0.0000 0 5.5000 04/01/00 10/01/04 K83/L06 5.0000 05/01/00 11/01/04 25 9.6250 0.0000 0.0000 A 12.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8729020 8.6000 106000.0000 100.0000 8.6000 105,247.80 ZZ 8.1000 822.57 1 15.6000 822.57 100 CONCORD NC 28025 15.1000 06/27/03 0436723985 0.0000 08/02/03 23 329758 0.0000 07/02/33 0.0000 0 8.8500 07/02/05 07/02/05 K52/U56 8.3500 08/02/05 08/02/05 25 8.6000 0.0000 0.0000 A 11.6000 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 07 00 O 0.0000 8897298 7.8750 133000.0000 100.0000 7.8750 132,441.75 ZZ 7.3750 964.34 1 13.8750 964.34 95 SAINT PETERS MO 63376 13.3750 11/21/03 0419030721 0.0000 01/01/04 23 0419030721 0.0000 12/01/33 0.0000 0 8.2500 12/01/05 12/01/05 E22/U57 7.7500 01/01/06 01/01/06 25 8.2500 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8902789 9.3900 112000.0000 100.0000 9.3900 111,713.65 ZZ 8.8900 932.78 1 15.3900 932.78 100 GRAND RAPIDS MI 49548 14.8900 12/23/03 0437303373 0.0000 02/01/04 23 65208 0.0000 01/01/34 0.0000 0 8.8900 01/01/06 01/01/06 T06/U56 8.3900 02/01/06 02/01/06 25 9.3900 0.0000 0.0000 A 11.3900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8909624 7.1250 165000.0000 100.0000 7.1250 164,196.44 ZZ 6.7500 1111.64 1 13.1250 1111.64 100 PUEBLO CO 81006 12.7500 11/21/03 0419142435 0.0000 01/01/04 23 0419142435 0.0000 12/01/33 0.0000 0 8.0000 12/01/05 12/01/05 E22/U57 7.6250 01/01/06 01/01/06 25 8.0000 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8920005 7.3750 144000.0000 100.0000 7.3750 143,780.19 ZZ 6.8750 994.57 1 13.3750 994.57 94 LAS VEGAS NV 89120 12.8750 03/19/04 0437702350 0.0000 05/01/04 23 0000108565 0.0000 04/01/34 0.0000 0 7.8750 04/01/06 04/01/06 W05/U57 7.3750 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8922971 7.9900 114000.0000 100.0000 7.9900 113,923.35 ZZ 7.4900 835.70 2 13.9900 835.70 95 BAKERSFIELD CA 93306 13.4900 04/02/04 0437787971 0.0000 06/01/04 23 0000109014 0.0000 05/01/34 0.0000 0 8.5000 05/01/06 05/01/06 W05/U57 8.0000 06/01/06 06/01/06 25 8.5000 0.0000 0.0000 A 10.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8922983 7.3750 133285.0000 100.0000 7.3750 133,183.58 ZZ 6.8750 920.57 1 13.3750 920.57 95 WEST JORDAN UT 84088 12.8750 04/02/04 0437787294 7.8750 06/01/04 23 0000109254 7.3750 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 W05/U57 7.3750 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8924049 8.1250 128095.0000 100.0000 8.1250 128,011.21 ZZ 7.6250 951.10 1 14.1250 951.10 85 BAKERSFIELD CA 93309 13.6250 04/06/04 0437782394 8.6250 06/01/04 23 0000109110 8.1250 05/01/34 0.0000 0 8.6250 05/01/06 05/01/06 W05/U57 8.1250 06/01/06 06/01/06 25 8.6250 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8924055 8.2500 97000.0000 100.0000 8.2500 96,938.15 ZZ 7.7500 728.73 1 14.2500 728.73 100 CHEYENNE WY 82007 13.7500 04/01/04 0437786924 8.7500 06/01/04 23 0000109089 8.2500 05/01/34 0.0000 0 8.7500 05/01/06 05/01/06 W05/U57 8.2500 06/01/06 06/01/06 25 8.7500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8929673 7.8750 136325.0000 100.0000 7.8750 136,231.18 ZZ 7.3750 988.45 1 13.8750 988.45 95 TUCSON AZ 85730 13.3750 04/02/04 0437784762 0.0000 06/01/04 23 0000109208 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 W05/U57 7.8750 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8929705 6.7500 188100.0000 100.0000 6.7500 187,775.19 ZZ 6.3750 1220.01 1 12.7500 1220.01 95 DURANGO CO 81301 12.3750 03/31/04 0437782865 7.2500 05/01/04 23 0000109123 6.8750 04/01/34 0.0000 0 7.2500 04/01/06 04/01/06 W05/U57 6.8750 05/01/06 05/01/06 25 7.2500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 09 00 O 0.0000 8929719 7.8750 156000.0000 100.0000 7.8750 155,892.64 ZZ 7.5000 1131.11 1 13.8750 1131.11 100 WEST JORDAN UT 84084 13.5000 04/07/04 0437787344 0.0000 06/01/04 23 0000109308 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 W05/U57 8.0000 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8929945 8.6250 209000.0000 100.0000 8.6250 208,876.61 ZZ 8.1250 1625.58 1 14.6250 1625.58 95 CASTLE ROCK CO 80104 14.1250 04/07/04 0437787146 0.0000 06/01/04 23 0000109078 0.0000 05/01/34 0.0000 0 9.1250 05/01/06 05/01/06 W05/U57 8.6250 06/01/06 06/01/06 25 9.1250 0.0000 0.0000 A 11.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8930249 6.7500 121000.0000 100.0000 6.7500 120,895.83 ZZ 6.3750 784.80 1 12.7500 784.80 100 WEST VALLEY CIT UT 84119 12.3750 04/08/04 0437787039 0.0000 06/01/04 23 0000108348 0.0000 05/01/34 0.0000 0 7.1250 05/01/06 05/01/06 W05/U57 6.7500 06/01/06 06/01/06 25 7.1250 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8930291 7.7500 73500.0000 100.0000 7.7500 73,448.13 ZZ 7.3750 526.56 1 13.7500 526.56 100 BLACKFOOT ID 83221 13.3750 04/08/04 0437784515 0.0000 06/01/04 23 0000109146 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 W05/U57 7.8750 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8930609 8.8750 80655.0000 100.0000 8.8750 80,609.78 ZZ 8.5000 641.73 1 14.8750 641.73 95 SAN ANTONIO TX 78245 14.5000 04/08/04 0437805468 9.2500 06/01/04 23 100205874 8.8750 05/01/34 0.0000 0 9.2500 05/01/07 05/01/07 U45/U56 8.8750 06/01/07 06/01/07 45 9.2500 0.0000 0.0000 A 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7.9900 05/01/06 05/01/06 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8931855 6.8750 107500.0000 100.0000 6.8750 107,409.69 ZZ 6.5000 706.20 1 12.8750 706.20 100 KENNEWICK WA 99336 12.5000 04/05/04 0420401093 0.0000 06/01/04 23 0420401093 0.0000 05/01/34 0.0000 0 7.5000 05/01/07 05/01/07 E22/U57 7.1250 06/01/07 06/01/07 25 7.5000 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8932477 7.1250 98000.0000 100.0000 7.1250 97,842.81 ZZ 6.6250 660.24 1 13.1250 660.24 100 NEW ORLEANS LA 70114 12.6250 03/30/04 0437758824 7.1250 05/01/04 23 2000008871 6.6250 04/01/34 0.0000 0 7.9750 04/01/06 04/01/06 R54/U56 7.4750 05/01/06 05/01/06 25 7.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8932567 6.8000 114900.0000 100.0000 6.8000 114,702.18 ZZ 6.3000 749.06 1 12.8000 749.06 100 JACKSON MS 39211 12.3000 04/01/04 0437757164 6.8000 05/01/04 23 2000008890 6.3000 04/01/34 0.0000 0 7.6500 04/01/06 04/01/06 R54/U56 7.1500 05/01/06 05/01/06 25 6.8000 0.0000 0.0000 A 9.8000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8932999 7.3750 180000.0000 100.0000 7.3750 179,725.22 ZZ 6.8750 1243.22 1 13.3750 1243.22 100 LINDEN VA 22642 12.8750 03/12/04 0437734056 8.3750 05/01/04 23 LT14546081 7.8750 04/01/34 0.0000 0 8.3750 04/01/07 04/01/07 L21/U57 7.8750 05/01/07 05/01/07 45 8.3750 0.0000 0.0000 A 10.3750 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8934785 7.0000 176114.0000 100.0000 7.0000 175,969.64 ZZ 6.6250 1171.69 1 13.0000 1171.69 95 FRUITA CO 81521 12.6250 04/13/04 0420480212 0.0000 06/01/04 23 0420480212 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.2500 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8936367 8.0000 63000.0000 100.0000 8.0000 62,957.73 ZZ 7.7500 462.27 1 14.0000 462.27 100 DETROIT MI 48203 13.7500 04/07/04 0437726912 8.0000 06/01/04 23 2715644 7.7500 05/01/34 0.0000 0 5.5000 05/01/06 05/01/06 M50/G01 5.2500 06/01/06 06/01/06 45 8.0000 0.0000 0.0000 A 10.0000 12 12 360 L12 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8936761 7.5000 164000.0000 100.0000 7.5000 163,755.82 ZZ 7.0000 1146.71 1 13.5000 1146.71 100 ROLLA MO 65401 13.0000 03/23/04 0437743198 8.2500 05/01/04 23 44853 7.7500 04/01/34 0.0000 0 8.2500 04/01/07 04/01/07 B43/U57 7.7500 05/01/07 05/01/07 25 8.2500 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8937011 7.5000 333450.0000 100.0000 7.5000 332,953.52 ZZ 7.0000 2331.53 1 13.5000 2331.53 95 OAK GROVE MN 55005 13.0000 03/26/04 0437730013 7.5000 05/01/04 23 MARI00379 7.0000 04/01/34 0.0000 0 7.0000 04/01/06 04/01/06 W50/U56 6.5000 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8938069 7.2500 319200.0000 100.0000 7.2500 318,700.48 ZZ 6.7500 2177.51 1 13.2500 2177.51 95 BAKERSFIELD CA 93312 12.7500 03/30/04 0437735947 7.3750 05/01/04 23 45229 6.8750 04/01/34 0.0000 0 7.3750 04/01/07 04/01/07 B43/U57 6.8750 05/01/07 05/01/07 25 7.3750 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8938095 6.9900 83500.0000 100.0000 6.9900 83,362.44 ZZ 6.4900 554.97 1 12.9900 554.97 94 CLINTON WI 53525 12.4900 03/23/04 0437739501 0.0000 05/01/04 23 043200001S 0.0000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 M63/U57 6.4900 05/01/06 05/01/06 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8938445 7.2400 67000.0000 100.0000 7.2400 66,791.62 ZZ 6.7400 456.61 1 13.2400 456.61 100 LIMA OH 45805 12.7400 03/16/04 0437869217 7.2400 04/16/04 23 2050040313430 6.7400 03/16/34 0.0000 0 6.9900 03/16/06 03/16/06 Q82/U56 6.4900 04/16/06 04/16/06 25 7.2400 0.0000 0.0000 A 10.2400 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8939179 8.0500 76500.0000 100.0000 8.0500 76,294.70 ZZ 7.5500 564.00 1 14.0500 564.00 85 HARTFORD CT 06114 13.5500 02/23/04 0437732472 8.0500 03/27/04 23 2200040271170 7.5500 02/27/34 0.0000 0 7.8000 02/27/06 02/27/06 Q82/U56 7.3000 03/27/06 03/27/06 25 8.0500 0.0000 0.0000 A 11.0500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 01 00 O 0.0000 8939253 8.3500 112500.0000 100.0000 8.3500 112,273.72 ZZ 7.8500 853.10 1 14.3500 853.10 100 NORFOLK VA 23502 13.8500 03/19/04 0437871684 8.3500 04/19/04 23 2010040279270 7.8500 03/19/34 0.0000 0 8.1000 03/19/06 03/19/06 Q82/U56 7.6000 04/19/06 04/19/06 25 8.3500 0.0000 0.0000 A 11.3500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8939319 7.5900 306000.0000 100.0000 7.5900 304,744.49 ZZ 7.0900 2158.49 1 13.9400 2158.49 100 ROCKLIN CA 95677 13.4400 12/02/03 0437880883 7.9400 02/01/04 23 2290031161890 7.4400 01/01/34 0.0000 0 7.3400 01/01/07 01/01/07 Q82/U56 6.8400 02/01/07 02/01/07 25 7.5900 0.0000 0.0000 A 10.5900 6 6 360 E 1.0000 1.0000 6.3500 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8939763 8.5000 165219.0000 100.0000 8.5000 165,018.11 ZZ 8.0000 1270.39 1 14.5000 1270.39 95 HOLLY SPRINGS NC 27540 14.0000 03/30/04 0437845142 0.0000 05/01/04 23 2200001765 0.0000 04/01/34 0.0000 0 8.8750 04/01/06 04/01/06 N74/U57 8.3750 05/01/06 05/01/06 25 8.8750 0.0000 0.0000 A 11.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8939971 7.1250 60000.0000 100.0000 7.1250 59,952.02 ZZ 6.7500 404.23 1 13.1250 404.23 100 NORTH LIBERTY IN 46554 12.7500 04/14/04 0420153777 0.0000 06/01/04 23 0420153777 0.0000 05/01/34 0.0000 0 7.7500 05/01/07 05/01/07 E22/U57 7.3750 06/01/07 06/01/07 25 7.7500 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8940039 6.7500 198900.0000 100.0000 6.7500 198,728.75 ZZ 6.3750 1290.06 1 12.7500 1290.06 90 WARREN MI 48093 12.3750 04/09/04 0419971379 0.0000 06/01/04 23 0419971379 0.0000 05/01/34 0.0000 0 7.2500 05/01/07 05/01/07 E22/U57 6.8750 06/01/07 06/01/07 25 7.2500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8940245 6.6500 165300.0000 100.0000 6.6500 165,008.93 ZZ 6.1500 1061.17 1 12.6500 1061.17 95 DELAVAN WI 53115 12.1500 03/24/04 0437743107 0.0000 05/01/04 23 0403220012S 0.0000 04/01/34 0.0000 0 7.0000 04/01/06 04/01/06 M63/U57 6.5000 05/01/06 05/01/06 25 6.6500 0.0000 0.0000 A 9.6500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8941773 7.5000 122500.0000 100.0000 7.5000 122,225.56 ZZ 7.0000 856.54 1 13.5000 856.54 95 NORTH CANAAN CT 06018 13.0000 02/24/04 0437739287 0.0000 04/01/04 23 1105101890 0.0000 03/01/34 0.0000 0 7.0000 03/01/06 03/01/06 W53/U57 6.5000 04/01/06 04/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8941775 6.6250 168150.0000 100.0000 6.6250 167,950.13 ZZ 6.2500 1076.68 1 12.6250 1076.68 95 LOGANVILLE GA 30052 12.2500 04/15/04 0420507089 0.0000 06/01/04 23 0420507089 0.0000 05/01/34 0.0000 0 7.7500 05/01/07 05/01/07 E22/U57 7.3750 06/01/07 06/01/07 25 7.7500 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8941779 7.0000 95275.0000 100.0000 7.0000 95,196.90 ZZ 6.6250 633.87 1 13.0000 633.87 100 BEULAH MI 49617 12.6250 04/15/04 0420510059 0.0000 06/01/04 23 0420510059 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8941885 7.2500 87000.0000 100.0000 7.2500 86,932.14 ZZ 6.8750 593.49 1 13.2500 593.49 100 PASADENA TX 77506 12.8750 04/15/04 0420433526 0.0000 06/01/04 23 0420433526 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.6250 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8942011 6.6250 90155.0000 100.0000 6.6250 90,075.46 ZZ 6.2500 577.27 1 12.6250 577.27 95 EDINBURG TX 78541 12.2500 04/16/04 0420395873 0.0000 06/01/04 23 0420395873 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8942167 6.6250 50000.0000 100.0000 6.6250 49,911.52 ZZ 6.2500 320.16 1 12.6250 320.16 66 INDIANAPOLIS IN 46224 12.2500 03/22/04 0437745805 7.1250 05/01/04 00 0403035 6.7500 04/01/34 0.0000 0 7.1250 04/01/06 04/01/06 W77/U57 6.7500 05/01/06 05/01/06 25 7.1250 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8942561 6.8750 166500.0000 100.0000 6.8750 166,360.12 ZZ 6.5000 1093.79 1 12.8750 1093.79 90 BURNS OR 97720 12.5000 04/05/04 0419878467 0.0000 06/01/04 23 0419878467 0.0000 05/01/34 0.0000 0 7.5000 05/01/07 05/01/07 E22/U57 7.1250 06/01/07 06/01/07 25 7.5000 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8942609 6.8750 320400.0000 100.0000 6.8750 318,526.22 ZZ 6.3750 2104.81 1 12.8750 2104.81 90 MERCED CA 95340 12.3750 11/05/03 0437737406 0.0000 01/01/04 23 0002889303 0.0000 12/01/33 0.0000 0 7.5000 12/01/06 12/01/06 T24/U57 7.0000 01/01/07 01/01/07 25 7.5000 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8942661 8.2000 210000.0000 100.0000 8.2000 209,864.71 ZZ 7.7000 1570.29 1 15.2000 1570.29 100 PLEASANT GROVE AL 35127 14.7000 04/13/04 0437888647 8.2000 06/01/04 23 9201101198 7.7000 05/01/34 0.0000 0 8.8000 05/01/06 05/01/06 Q67/U56 8.3000 06/01/06 06/01/06 25 8.2000 0.0000 0.0000 A 11.2000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8943417 4.7500 180000.0000 100.0000 4.7500 179,773.53 ZZ 4.5000 938.97 1 9.7500 938.97 79 RANCHO SANTA MA CA 92688 9.5000 04/01/04 0437765076 2.2500 06/01/04 00 980102834 2.0000 05/01/34 0.0000 0 2.2500 05/01/09 05/01/09 M18/U57 2.0000 06/01/09 06/01/09 25 2.2500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 2.5000 5 0 0.0000 01 00 O 0.0000 8944321 7.5000 88000.0000 100.0000 7.5000 87,934.69 ZZ 7.0000 615.31 1 13.5000 615.31 100 PUEBLO CO 81003 13.0000 04/16/04 0420539504 0.0000 06/01/04 23 0420539504 0.0000 05/01/34 0.0000 0 8.5000 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8944323 6.6250 64000.0000 100.0000 6.6250 63,943.53 ZZ 6.2500 409.80 3 12.6250 409.80 80 ALLENTOWN PA 18102 12.2500 04/16/04 0420550071 0.0000 06/01/04 00 0420550071 0.0000 05/01/34 0.0000 0 6.8750 05/01/07 05/01/07 E22/U57 6.5000 06/01/07 06/01/07 25 6.8750 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8944439 6.7500 63602.0000 100.0000 6.7500 63,547.24 ZZ 6.3750 412.52 1 12.7500 412.52 95 CAPE CORAL FL 33904 12.3750 04/16/04 0420495129 0.0000 06/01/04 23 0420495129 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.6250 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8944723 6.3750 92800.0000 100.0000 6.3750 92,714.05 ZZ 6.0000 578.95 1 12.3750 578.95 80 OREM UT 84058 12.0000 04/12/04 0420403263 0.0000 06/01/04 00 0420403263 0.0000 05/01/34 0.0000 0 6.8750 05/01/06 05/01/06 E22/U57 6.5000 06/01/06 06/01/06 25 6.8750 0.0000 0.0000 A 9.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 01 00 N 0.0000 8944811 6.0000 80655.0000 100.0000 6.0000 80,574.71 ZZ 5.6250 483.57 1 12.0000 483.57 95 HOUSTON TX 77044 11.6250 04/16/04 0420376816 0.0000 06/01/04 23 0420376816 0.0000 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 E22/U57 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8945119 7.2500 149435.0000 100.0000 7.2500 149,318.43 ZZ 6.7500 1019.41 1 13.2500 1019.41 95 IMPERIAL MO 63052 12.7500 04/16/04 0420305468 0.0000 06/01/04 23 0420305468 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8945131 7.2500 127205.0000 100.0000 7.2500 127,105.77 ZZ 6.7500 867.76 1 13.2500 867.76 95 SPRING TX 77373 12.7500 04/16/04 0420225054 0.0000 06/01/04 23 0420225054 0.0000 05/01/34 0.0000 0 8.1250 05/01/07 05/01/07 E22/U57 7.6250 06/01/07 06/01/07 25 8.1250 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8945291 7.2500 85500.0000 100.0000 7.2500 85,433.30 ZZ 6.8750 583.26 1 13.2500 583.26 95 ST. ROSE LA 70068 12.8750 04/16/04 0420196073 0.0000 06/01/04 23 0420196073 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8945295 7.0000 199500.0000 100.0000 7.0000 199,336.47 ZZ 6.6250 1327.28 1 13.0000 1327.28 95 MEDIA PA 19063 12.6250 04/16/04 0420202301 0.0000 06/01/04 23 0420202301 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8945323 7.0000 83100.0000 100.0000 7.0000 83,031.88 ZZ 6.6250 552.87 1 13.0000 552.87 95 DRAIN OR 97435 12.6250 04/16/04 0420114738 0.0000 06/01/04 23 0420114738 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.6250 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8945531 8.3750 64125.0000 100.0000 8.3750 64,085.14 ZZ 7.8750 487.40 1 14.3750 487.40 95 STERLING IL 61081 13.8750 04/16/04 0420015927 0.0000 06/01/04 23 0420015927 0.0000 05/01/34 0.0000 0 8.5000 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.5000 0.0000 0.0000 A 11.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8946511 7.3000 95500.0000 100.0000 7.3000 95,352.01 ZZ 6.8000 654.73 2 13.3000 654.73 100 LEXINGTON KY 40505 12.8000 04/07/04 0437740905 7.3000 05/07/04 23 2050040422740 6.8000 04/07/34 0.0000 0 7.0500 04/07/06 04/07/06 Q82/U56 6.5500 05/07/06 05/07/06 25 7.3000 0.0000 0.0000 A 10.3000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8946855 5.5500 104360.0000 100.0000 5.5500 103,904.19 ZZ 5.0500 595.83 1 11.5500 595.83 80 KANSAS CITY MO 64116 11.0500 02/18/04 0437741317 5.5500 03/18/04 00 2070040147440 5.0500 02/18/34 0.0000 0 5.3000 02/18/06 02/18/06 Q82/U56 4.8000 03/18/06 03/18/06 25 5.5500 0.0000 0.0000 A 8.5500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8947165 6.7500 166500.0000 100.0000 6.7500 166,067.51 ZZ 6.2500 1079.92 1 12.7500 1079.92 90 SAINT PAUL MN 55106 12.2500 02/27/04 0437737604 6.7500 04/01/04 23 MARI00227 6.2500 03/01/34 0.0000 0 5.7500 03/01/07 03/01/07 W50/U57 5.2500 04/01/07 04/01/07 25 6.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8947535 8.2500 80750.0000 100.0000 8.2500 80,698.51 ZZ 7.7500 606.65 1 14.2500 606.65 95 DETROIT MI 48224 13.7500 04/19/04 0420547085 0.0000 06/01/04 23 0420547085 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 E22/U57 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8947551 7.2500 209000.0000 100.0000 7.2500 208,836.96 ZZ 6.7500 1425.75 1 13.2500 1425.75 95 ALMONT MI 48003 12.7500 04/19/04 0420482325 0.0000 06/01/04 23 0420482325 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8947683 7.1250 170100.0000 100.0000 7.1250 169,963.97 ZZ 6.7500 1146.00 1 13.1250 1146.00 98 DETROIT MI 48219 12.7500 04/14/04 0420424467 0.0000 06/01/04 23 0420424467 0.0000 05/01/34 0.0000 0 8.1250 05/01/06 05/01/06 E22/U57 7.7500 06/01/06 06/01/06 25 8.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8947865 7.2500 76000.0000 100.0000 7.2500 75,940.72 ZZ 6.7500 518.45 1 13.2500 518.45 95 MANSFIELD TX 76063 12.7500 04/19/04 0420378598 0.0000 06/01/04 23 0420378598 0.0000 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 8.0000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8947879 7.2500 78350.0000 100.0000 7.2500 78,288.87 ZZ 6.7500 534.49 1 13.2500 534.49 95 ELKHART IN 46517 12.7500 04/14/04 0420387854 0.0000 06/01/04 23 0420387854 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8947881 6.2500 120141.0000 100.0000 6.2500 120,027.00 ZZ 5.8750 739.73 1 12.2500 739.73 90 DALLAS TX 75233 11.8750 04/19/04 0420388449 0.0000 06/01/04 23 0420388449 0.0000 05/01/34 0.0000 0 7.0000 05/01/06 05/01/06 E22/U57 6.6250 06/01/06 06/01/06 25 7.0000 0.0000 0.0000 A 9.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8947919 7.2500 130500.0000 100.0000 7.2500 130,398.20 ZZ 6.7500 890.24 1 13.2500 890.24 90 SODDY DAISY TN 37379 12.7500 04/14/04 0420388779 0.0000 06/01/04 23 0420388779 0.0000 05/01/34 0.0000 0 8.6250 05/01/07 05/01/07 E22/U57 8.1250 06/01/07 06/01/07 25 8.6250 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8948125 6.7500 184200.0000 100.0000 6.7500 184,041.41 ZZ 6.3750 1194.72 1 12.7500 1194.72 100 CENTRAL POINT OR 97502 12.3750 04/14/04 0420320442 0.0000 06/01/04 23 0420320442 0.0000 05/01/34 0.0000 0 8.2500 05/01/07 05/01/07 E22/U57 7.8750 06/01/07 06/01/07 25 8.2500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8948151 7.1250 133000.0000 100.0000 7.1250 132,786.65 ZZ 6.6250 896.05 1 13.1250 896.05 95 POWDER SPRINGS GA 30127 12.6250 03/05/04 0437763378 7.1250 05/01/04 23 0041748600 6.6250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 W78/U57 7.0000 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8948267 6.7500 110865.0000 100.0000 6.7500 110,769.55 ZZ 6.3750 719.07 1 12.7500 719.07 95 NEW BRAUNFELS TX 78130 12.3750 04/19/04 0420297558 0.0000 06/01/04 23 0420297558 0.0000 05/01/34 0.0000 0 7.1250 05/01/07 05/01/07 E22/U57 6.7500 06/01/07 06/01/07 25 7.1250 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8948275 7.5000 185250.0000 100.0000 7.5000 185,112.52 ZZ 7.0000 1295.29 1 13.5000 1295.29 95 FAIRVIEW NC 28730 13.0000 04/19/04 0420301111 0.0000 06/01/04 23 0420301111 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 E22/U57 7.8750 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8948291 6.2500 140000.0000 100.0000 6.2500 139,867.17 ZZ 5.8750 862.00 1 12.2500 862.00 80 DEARBORN MI 48126 11.8750 04/19/04 0420313728 0.0000 06/01/04 00 0420313728 0.0000 05/01/34 0.0000 0 6.6250 05/01/06 05/01/06 E22/U57 6.2500 06/01/06 06/01/06 25 6.6250 0.0000 0.0000 A 9.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8948455 6.8750 96000.0000 100.0000 6.8750 95,919.35 ZZ 6.5000 630.65 1 12.8750 630.65 99 COLUMBIA MO 65202 12.5000 04/13/04 0420225310 0.0000 06/01/04 23 0420225310 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8948601 8.1250 53036.0000 100.0000 8.1250 53,001.31 ZZ 7.6250 393.79 1 14.1250 393.79 95 MONTGOMERY AL 36110 13.6250 04/19/04 0419994629 0.0000 06/01/04 23 0419994629 0.0000 05/01/34 0.0000 0 8.6250 05/01/07 05/01/07 E22/U57 8.1250 06/01/07 06/01/07 25 8.6250 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8948697 6.7500 94800.0000 100.0000 6.7500 94,718.38 ZZ 6.3750 614.87 1 12.7500 614.87 95 AUBURN HILLS MI 48326 12.3750 04/19/04 0420061921 0.0000 06/01/04 23 0420061921 0.0000 05/01/34 0.0000 0 7.0000 05/01/06 05/01/06 E22/U57 6.6250 06/01/06 06/01/06 25 7.0000 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8948725 7.1250 78625.0000 100.0000 7.1250 78,562.13 ZZ 6.6250 529.71 1 13.1250 529.71 85 YELLVILLE AR 72687 12.6250 04/19/04 0419728985 0.0000 06/01/04 23 0419728985 0.0000 05/01/34 0.0000 0 7.6250 05/01/07 05/01/07 E22/U57 7.1250 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8948773 7.2500 213250.0000 100.0000 7.2500 212,916.29 ZZ 6.8750 1454.74 1 13.2500 1454.74 95 LACEY TOWNSHIP NJ 08731 12.8750 03/30/04 0419933338 0.0000 05/01/04 23 0419933338 0.0000 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 E22/U57 7.1250 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8949003 6.9900 178500.0000 100.0000 6.9900 178,205.93 ZZ 6.4900 1186.37 1 13.9900 1186.37 85 SACRAMENTO CA 95823 13.4900 03/03/04 0437783293 6.9900 05/01/04 23 0402243992 6.4900 04/01/34 0.0000 0 5.4900 04/01/07 04/01/07 P37/U56 4.9900 05/01/07 05/01/07 25 6.9900 0.0000 0.0000 A 8.4900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949097 7.6500 69223.0000 100.0000 7.6500 69,114.07 ZZ 7.1500 491.15 1 14.6500 491.15 90 ZOLFO SPRINGS FL 33890 14.1500 03/26/04 0437781321 7.6500 05/01/04 23 0403162981 7.1500 04/01/34 0.0000 0 6.6500 04/01/07 04/01/07 P37/U56 6.1500 05/01/07 05/01/07 25 7.6500 0.0000 0.0000 A 9.1500 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949241 8.9900 140000.0000 100.0000 8.9900 139,846.15 ZZ 8.4900 1125.47 1 15.9900 1125.47 61 GOODYEAR AZ 85338 15.4900 03/23/04 0437780828 8.9900 05/01/04 00 0403152320 8.4900 04/01/34 0.0000 0 7.4900 04/01/07 04/01/07 P37/U56 6.9900 05/01/07 05/01/07 25 8.9900 0.0000 0.0000 A 10.4900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8949263 6.9900 310500.0000 100.0000 6.9900 309,988.48 ZZ 6.4900 2063.68 1 13.9900 2063.68 90 CHINO CA 91710 13.4900 03/16/04 0437782907 6.9900 05/01/04 23 0403120237 6.4900 04/01/34 0.0000 0 5.9900 04/01/06 04/01/06 P37/U56 5.4900 05/01/06 05/01/06 25 6.9900 0.0000 0.0000 A 8.4900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949295 5.3500 189000.0000 100.0000 5.3500 188,573.48 ZZ 4.8500 1055.41 1 12.3500 1055.41 90 CLEARWATER FL 33760 11.8500 03/23/04 0437782980 5.3500 05/01/04 23 0403197762 4.8500 04/01/34 0.0000 0 4.3500 04/01/06 04/01/06 P37/U56 3.8500 05/01/06 05/01/06 25 5.3500 0.0000 0.0000 A 6.8500 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8949371 5.7500 118800.0000 100.0000 5.7500 118,551.33 ZZ 5.2500 693.29 1 12.7500 693.29 82 MONTPELIER OH 43543 12.2500 03/08/04 0437783038 5.7500 05/01/04 23 0403031124 5.2500 04/01/34 0.0000 0 4.2500 04/01/06 04/01/06 P37/U56 3.7500 05/01/06 05/01/06 25 5.7500 0.0000 0.0000 A 7.2500 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8949507 6.6750 104000.0000 100.0000 6.6750 103,817.75 ZZ 6.1750 669.37 1 13.6750 669.37 80 COCONUT CREEK FL 33063 13.1750 03/26/04 0437780703 6.6750 05/01/04 00 0403151639 6.1750 04/01/34 0.0000 0 5.6750 04/01/07 04/01/07 P37/U56 5.1750 05/01/07 05/01/07 25 6.6750 0.0000 0.0000 A 8.1750 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8949511 7.3750 101500.0000 100.0000 7.3750 101,345.05 ZZ 6.8750 701.04 1 14.3750 701.04 78 DECATUR IN 46733 13.8750 03/26/04 0437781974 7.3750 05/01/04 00 0403085225 6.8750 04/01/34 0.0000 0 5.8750 04/01/07 04/01/07 P37/U56 5.3750 05/01/07 05/01/07 25 7.3750 0.0000 0.0000 A 8.8750 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949519 8.2500 246500.0000 100.0000 8.2500 245,927.94 ZZ 7.7500 1851.88 1 15.2500 1851.88 85 TEMPLE HILLS MD 20748 14.7500 02/12/04 0437782733 8.2500 04/01/04 23 0401302713 7.7500 03/01/34 0.0000 0 7.7500 03/01/07 03/01/07 P37/U56 7.2500 04/01/07 04/01/07 25 8.2500 0.0000 0.0000 A 9.7500 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949527 5.9900 234000.0000 100.0000 5.9900 233,532.03 ZZ 5.4900 1401.45 1 12.9900 1401.45 90 FRESNO CA 93720 12.4900 03/19/04 0437780638 5.9900 05/01/04 23 0403096490 5.4900 04/01/34 0.0000 0 4.4900 04/01/07 04/01/07 P37/U56 3.9900 05/01/07 05/01/07 25 5.9900 0.0000 0.0000 A 7.4900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949547 8.1250 304000.0000 100.0000 8.1250 303,600.92 ZZ 7.6250 2257.20 1 15.1250 2257.20 80 SAN DIEGO CA 92139 14.6250 03/26/04 0437780604 8.1250 05/01/04 00 0403085142 7.6250 04/01/34 0.0000 0 6.9900 04/01/07 04/01/07 P37/U56 6.4900 05/01/07 05/01/07 25 8.1250 0.0000 0.0000 A 9.6250 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949607 9.4900 180000.0000 100.0000 9.4900 179,363.97 ZZ 8.9900 1512.23 1 16.4900 1512.23 71 PALMER TOWNSHIP PA 18045 15.9900 10/10/03 0437783194 9.4900 12/01/03 00 0309118172 8.9900 11/01/33 0.0000 0 7.9900 11/01/06 11/01/06 P37/U56 7.4900 12/01/06 12/01/06 25 9.4900 0.0000 0.0000 A 10.9900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949725 6.5000 127308.0000 100.0000 6.5000 127,077.19 ZZ 6.0000 804.68 1 13.5000 804.68 80 LAS VEGAS NV 89104 13.0000 03/10/04 0437780752 6.5000 05/01/04 00 0402277876 6.0000 04/01/34 0.0000 0 5.0000 04/01/07 04/01/07 P37/U56 4.5000 05/01/07 05/01/07 25 6.5000 0.0000 0.0000 A 8.0000 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8949767 6.9900 150000.0000 100.0000 6.9900 149,752.88 ZZ 6.4900 996.95 1 13.9900 996.95 75 TANEYTOWN MD 21787 13.4900 03/02/04 0437780505 6.9900 05/01/04 00 0402277469 6.4900 04/01/34 0.0000 0 5.4900 04/01/07 04/01/07 P37/U56 4.9900 05/01/07 05/01/07 25 6.9900 0.0000 0.0000 A 8.4900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949789 6.8750 57600.0000 100.0000 6.8750 57,481.20 ZZ 6.3750 378.40 1 13.8750 378.40 80 NASHVILLE TN 37218 13.3750 03/05/04 0437783467 6.8750 05/01/04 00 0403042298 6.3750 04/01/34 0.0000 0 5.8750 04/01/07 04/01/07 P37/U56 5.3750 05/01/07 05/01/07 25 6.8750 0.0000 0.0000 A 8.3750 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949795 7.5900 72250.0000 100.0000 7.5900 72,090.99 ZZ 7.0900 509.65 1 14.5900 509.65 85 UNION CITY GA 30291 14.0900 02/26/04 0437781362 7.5900 04/01/04 23 0402177456 7.0900 03/01/34 0.0000 0 6.5900 03/01/07 03/01/07 P37/U56 6.0900 04/01/07 04/01/07 25 7.5900 0.0000 0.0000 A 9.0900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 01 00 O 0.0000 8949833 6.4900 52800.0000 100.0000 6.4900 52,704.08 ZZ 5.9900 333.39 1 13.4900 333.39 80 EL PASO TX 79930 12.9900 03/04/04 0437783210 6.4900 05/01/04 00 0402091583 5.9900 04/01/34 0.0000 0 5.4900 04/01/07 04/01/07 P37/U56 4.9900 05/01/07 05/01/07 25 6.4900 0.0000 0.0000 A 7.9900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8949853 6.4900 97200.0000 100.0000 6.4900 97,023.42 ZZ 5.9900 613.74 1 13.4900 613.74 85 LANCASTER TX 75134 12.9900 03/11/04 0437782931 6.4900 05/01/04 23 0402058934 5.9900 04/01/34 0.0000 0 4.9900 04/01/07 04/01/07 P37/U56 4.4900 05/01/07 05/01/07 25 6.4900 0.0000 0.0000 A 7.9900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8949923 6.9990 99680.0000 100.0000 6.9990 99,516.07 ZZ 6.4990 663.11 1 13.9990 663.11 89 CEDARTOWN GA 30125 13.4990 03/03/04 0437781503 6.9990 05/01/04 23 0401279119 6.4990 04/01/34 0.0000 0 5.9990 04/01/06 04/01/06 P37/U56 5.4990 05/01/06 05/01/06 25 6.9990 0.0000 0.0000 A 8.4990 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8949979 7.5000 206100.0000 100.0000 7.5000 205,793.12 ZZ 7.0000 1441.09 1 14.5000 1441.09 90 MONROE WA 98272 14.0000 03/19/04 0437782147 7.5000 05/01/04 23 0403119853 7.0000 04/01/34 0.0000 0 6.5000 04/01/06 04/01/06 P37/U56 6.0000 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 9.0000 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8949989 8.9990 144800.0000 100.0000 8.9990 144,641.19 ZZ 8.4990 1164.99 1 15.9990 1164.99 80 LINDSTROM MN 55045 15.4990 03/26/04 0437783392 8.9990 05/01/04 00 0403151618 8.4990 04/01/34 0.0000 0 7.4990 04/01/06 04/01/06 P37/U56 6.9990 05/01/06 05/01/06 25 8.9990 0.0000 0.0000 A 10.4990 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8950025 5.5000 117300.0000 100.0000 5.5000 117,042.62 ZZ 5.0000 666.02 1 12.5000 666.02 85 GOODYEAR AZ 85338 12.0000 03/25/04 0437782287 5.5000 05/01/04 23 0403164003 5.0000 04/01/34 0.0000 0 4.0000 04/01/06 04/01/06 P37/U56 3.5000 05/01/06 05/01/06 25 5.5000 0.0000 0.0000 A 7.0000 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8950033 7.4990 163200.0000 100.0000 7.4990 162,956.95 ZZ 6.9990 1141.01 1 14.4990 1141.01 85 MUSKEGON MI 49445 13.9990 03/16/04 0437781677 7.4990 05/01/04 23 0402277854 6.9990 04/01/34 0.0000 0 5.9990 04/01/06 04/01/06 P37/U56 5.4990 05/01/06 05/01/06 25 7.4990 0.0000 0.0000 A 8.9990 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8950055 7.5000 162000.0000 100.0000 7.5000 161,758.79 ZZ 7.0000 1132.73 1 14.5000 1132.73 90 CICERO IL 60804 14.0000 03/25/04 0437782832 7.5000 05/01/04 23 0402201449 7.0000 04/01/34 0.0000 0 6.0000 04/01/06 04/01/06 P37/U56 5.5000 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 9.0000 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8950093 8.5000 64000.0000 100.0000 8.5000 63,922.17 ZZ 8.0000 492.11 1 15.5000 492.11 80 TWIN FALLS ID 83301 15.0000 03/18/04 0437780661 8.5000 05/01/04 00 0402190935 8.0000 04/01/34 0.0000 0 7.0000 04/01/07 04/01/07 P37/U56 6.5000 05/01/07 05/01/07 25 8.5000 0.0000 0.0000 A 10.0000 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8950095 6.9900 124000.0000 100.0000 6.9900 123,795.71 ZZ 6.4900 824.15 1 13.9900 824.15 90 ATLANTA GA 30342 13.4900 03/26/04 0437783111 6.9900 05/01/04 23 0402201967 6.4900 04/01/34 0.0000 0 5.9900 04/01/07 04/01/07 P37/U56 5.4900 05/01/07 05/01/07 25 6.9900 0.0000 0.0000 A 8.4900 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 01 00 O 0.0000 8950109 7.5000 52000.0000 100.0000 7.5000 51,922.56 ZZ 7.0000 363.60 1 14.5000 363.60 80 KISSIMMEE FL 34743 14.0000 03/08/04 0437780745 7.5000 05/01/04 00 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184900.0000 100.0000 7.3750 184,759.30 ZZ 6.8750 1277.06 1 13.3750 1277.06 95 STERLING HEIGHT MI 48312 12.8750 04/20/04 0419896477 0.0000 06/01/04 23 0419896477 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8951397 7.7500 129000.0000 100.0000 7.7500 128,908.95 ZZ 7.3750 924.17 1 13.7500 924.17 100 TERRE HAUTE IN 47803 13.3750 04/15/04 0420034407 0.0000 06/01/04 23 0420034407 0.0000 05/01/34 0.0000 0 8.3750 05/01/07 05/01/07 E22/U57 8.0000 06/01/07 06/01/07 25 8.3750 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8951549 6.8750 102600.0000 100.0000 6.8750 102,513.80 ZZ 6.5000 674.01 1 12.8750 674.01 95 HOUSTON TX 77017 12.5000 04/20/04 0420499550 0.0000 06/01/04 23 0420499550 0.0000 05/01/34 0.0000 0 7.3750 05/01/07 05/01/07 E22/U57 7.0000 06/01/07 06/01/07 25 7.3750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8951599 7.7500 95000.0000 100.0000 7.7500 94,932.95 ZZ 7.2500 680.59 1 13.7500 680.59 95 SHELBYVILLE KY 40065 13.2500 04/20/04 0420531709 0.0000 06/01/04 23 0420531709 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 E22/U57 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8951677 7.0000 52112.0000 100.0000 7.0000 52,069.29 ZZ 6.6250 346.70 1 13.0000 346.70 95 TRINIDAD CO 81082 12.6250 04/20/04 0420458010 0.0000 06/01/04 23 0420458010 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8951753 7.6250 124450.0000 100.0000 7.6250 124,359.93 ZZ 7.1250 880.85 1 13.6250 880.85 95 LAWRENCEVILLE GA 30044 13.1250 04/15/04 0420485302 0.0000 06/01/04 23 0420485302 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 E22/U57 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8954483 8.3750 129600.0000 100.0000 8.3750 129,438.34 ZZ 7.8750 985.05 1 14.3750 985.05 77 ALBERTVILLE AL 35951 13.8750 03/19/04 0437764558 8.3750 05/01/04 00 0041744769 7.8750 04/01/34 0.0000 0 7.6250 04/01/07 04/01/07 W78/U57 7.1250 05/01/07 05/01/07 25 8.3750 0.0000 0.0000 A 11.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8955039 4.5000 161900.0000 100.0000 4.5000 161,900.00 ZZ 4.2500 607.13 1 9.5000 607.13 80 PORTLAND OR 97201 9.2500 03/29/04 0437784713 0.0000 05/01/04 00 204142661 0.0000 04/01/34 0.0000 0 2.2500 04/01/09 04/01/09 Y21/U57 2.0000 05/01/09 05/01/09 45 2.2500 0.0000 0.0000 A 9.5000 12 12 360 L12 2.0000 2.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 08 00 O 0.0000 8955481 6.8750 137650.0000 100.0000 6.8750 137,534.36 ZZ 6.5000 904.26 1 12.8750 904.26 95 SPARKS NV 89431 12.5000 04/14/04 0420589145 0.0000 06/01/04 23 0420589145 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8955489 7.5000 83700.0000 100.0000 7.5000 83,637.89 ZZ 7.1250 585.24 1 13.5000 585.24 90 NORFOLK VA 23503 13.1250 04/21/04 0420600322 0.0000 06/01/04 23 0420600322 0.0000 05/01/34 0.0000 0 7.6250 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8955505 7.0000 168460.0000 100.0000 7.0000 168,321.91 ZZ 6.6250 1120.77 1 13.0000 1120.77 100 CORTLAND IL 60112 12.6250 04/21/04 0420628091 0.0000 06/01/04 23 0420628091 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8955567 7.5000 133500.0000 100.0000 7.5000 133,385.43 ZZ 7.1250 933.45 1 13.5000 933.45 100 LEHIGH ACRES FL 33936 13.1250 04/21/04 0420552754 0.0000 06/01/04 23 0420552754 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8955575 6.7500 240000.0000 100.0000 6.7500 239,793.36 ZZ 6.3750 1556.64 1 12.7500 1556.64 90 MUSKEGON MI 48944 12.3750 04/21/04 0420556185 0.0000 06/01/04 23 0420556185 0.0000 05/01/34 0.0000 0 7.0000 05/01/06 05/01/06 E22/U57 6.6250 06/01/06 06/01/06 25 7.0000 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8955601 7.1250 101700.0000 100.0000 7.1250 101,618.67 ZZ 6.7500 685.17 1 13.1250 685.17 90 SODDY DAISY TN 37379 12.7500 04/16/04 0420582173 0.0000 06/01/04 23 0420582173 0.0000 05/01/34 0.0000 0 7.5000 05/01/07 05/01/07 E22/U57 7.1250 06/01/07 06/01/07 25 7.5000 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8955643 8.1250 80883.0000 100.0000 8.1250 80,830.10 ZZ 7.6250 600.55 1 14.1250 600.55 95 NEWARK OH 43055 13.6250 04/21/04 0420490401 0.0000 06/01/04 23 0420490401 0.0000 05/01/34 0.0000 0 8.3750 05/01/07 05/01/07 E22/U57 7.8750 06/01/07 06/01/07 25 8.3750 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8955713 7.7500 88000.0000 100.0000 7.7500 87,937.89 ZZ 7.3750 630.44 1 13.7500 630.44 100 ROSENBERG TX 77471 13.3750 04/21/04 0420522559 0.0000 06/01/04 23 0420522559 0.0000 05/01/34 0.0000 0 8.6250 05/01/06 05/01/06 E22/U57 8.2500 06/01/06 06/01/06 25 8.6250 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8955841 6.5000 180000.0000 100.0000 6.5000 179,837.28 ZZ 6.1250 1137.72 1 12.5000 1137.72 90 PALM COAST FL 32164 12.1250 04/16/04 0420474058 0.0000 06/01/04 23 0420474058 0.0000 05/01/34 0.0000 0 7.8750 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 7.8750 0.0000 0.0000 A 9.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8955921 6.5000 130680.0000 100.0000 6.5000 130,561.86 ZZ 6.1250 825.99 1 12.5000 825.99 90 PHOENIX AZ 85014 12.1250 04/15/04 0420431751 0.0000 06/01/04 23 0420431751 0.0000 05/01/34 0.0000 0 7.1250 05/01/06 05/01/06 E22/U57 6.7500 06/01/06 06/01/06 25 7.1250 0.0000 0.0000 A 9.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8955931 6.5000 114000.0000 100.0000 6.5000 113,896.94 ZZ 6.1250 720.56 1 12.5000 720.56 79 DECATUR GA 30032 12.1250 04/21/04 0420433898 0.0000 06/01/04 00 0420433898 0.0000 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 E22/U57 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 N 0.0000 8956247 6.3750 158400.0000 100.0000 6.3750 158,253.29 ZZ 6.0000 988.21 1 12.3750 988.21 90 GRAND JUNCTION CO 81504 12.0000 04/16/04 0420366767 0.0000 06/01/04 23 0420366767 0.0000 05/01/34 0.0000 0 7.2500 05/01/07 05/01/07 E22/U57 6.8750 06/01/07 06/01/07 25 7.2500 0.0000 0.0000 A 9.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8956287 7.0000 101650.0000 100.0000 7.0000 101,566.68 ZZ 6.5000 676.28 1 13.0000 676.28 95 TOOELE UT 84074 12.5000 04/15/04 0420376006 0.0000 06/01/04 23 0420376006 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 E22/U57 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8956415 5.0000 319000.0000 100.0000 5.0000 319,000.00 ZZ 4.7500 1329.17 1 10.0000 1329.17 77 SAN DIEGO CA 92131 9.7500 04/01/04 0437784655 0.0000 06/01/04 00 204019541 0.0000 05/01/34 0.0000 0 2.2500 05/01/09 05/01/09 Y21/U57 2.0000 06/01/09 06/01/09 45 2.2500 0.0000 0.0000 A 10.0000 12 12 360 L12 2.0000 2.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 29 00 O 0.0000 8956445 7.3750 83700.0000 100.0000 7.3750 83,636.31 ZZ 6.8750 578.10 1 13.3750 578.10 90 KANSAS CITY MO 64133 12.8750 04/20/04 0420333585 0.0000 06/01/04 23 0420333585 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956477 7.5000 118000.0000 100.0000 7.5000 117,912.43 ZZ 7.0000 825.07 1 13.5000 825.07 92 CROUSE NC 28033 13.0000 04/21/04 0420337222 0.0000 06/01/04 23 0420337222 0.0000 05/01/34 0.0000 0 8.5000 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8956551 7.1250 126500.0000 100.0000 7.1250 126,398.84 ZZ 6.7500 852.25 1 13.1250 852.25 100 HIXSON TN 37343 12.7500 04/21/04 0420263253 0.0000 06/01/04 23 0420263253 0.0000 05/01/34 0.0000 0 8.1250 05/01/07 05/01/07 E22/U57 7.7500 06/01/07 06/01/07 25 8.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956559 6.5000 265500.0000 100.0000 6.5000 265,259.99 ZZ 6.1250 1678.14 1 12.5000 1678.14 90 MONTGOMERY AL 36116 12.1250 04/16/04 0420263477 0.0000 06/01/04 23 0420263477 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.2500 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 9.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8956623 7.7500 126350.0000 100.0000 7.7500 126,260.82 ZZ 7.3750 905.19 1 13.7500 905.19 95 DALLAS GA 30157 13.3750 04/21/04 0420281461 0.0000 06/01/04 23 0420281461 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956663 7.3750 135000.0000 100.0000 7.3750 134,897.28 ZZ 7.0000 932.41 1 13.3750 932.41 100 CHATTANOOGA TN 37421 13.0000 04/21/04 0420296428 0.0000 06/01/04 23 0420296428 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956695 7.7500 77000.0000 100.0000 7.7500 76,945.65 ZZ 7.3750 551.64 1 13.7500 551.64 100 VERNONIA OR 97064 13.3750 04/14/04 0420194144 0.0000 06/01/04 23 0420194144 0.0000 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 E22/U57 7.6250 06/01/06 06/01/06 25 8.0000 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956773 7.2500 189000.0000 100.0000 7.2500 188,852.57 ZZ 6.7500 1289.31 1 13.2500 1289.31 90 GLENDALE AZ 85308 12.7500 04/15/04 0420204141 0.0000 06/01/04 23 0420204141 0.0000 05/01/34 0.0000 0 7.7500 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.7500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8956819 7.5000 119480.0000 100.0000 7.5000 119,391.33 ZZ 7.0000 835.42 1 13.5000 835.42 100 MESA AZ 85220 13.0000 04/12/04 0420230955 0.0000 06/01/04 23 0420230955 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 E22/U57 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956825 6.5000 145635.0000 100.0000 6.5000 145,503.35 ZZ 6.1250 920.51 1 12.5000 920.51 95 NEW BRAUNFELS TX 78130 12.1250 04/13/04 0420236796 0.0000 06/01/04 23 0420236796 0.0000 05/01/34 0.0000 0 7.5000 05/01/07 05/01/07 E22/U57 7.1250 06/01/07 06/01/07 25 7.5000 0.0000 0.0000 A 9.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956857 8.6250 85000.0000 100.0000 8.6250 84,949.82 ZZ 8.1250 661.12 1 14.6250 661.12 100 MACON NC 27551 14.1250 04/21/04 0420244691 0.0000 06/01/04 23 0420244691 0.0000 05/01/34 0.0000 0 9.1250 05/01/06 05/01/06 E22/U57 8.6250 06/01/06 06/01/06 25 9.1250 0.0000 0.0000 A 11.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956929 7.5000 95475.0000 100.0000 7.5000 95,404.14 ZZ 7.0000 667.58 1 13.5000 667.58 95 ROME GA 30161 13.0000 04/21/04 0420157000 0.0000 06/01/04 23 0420157000 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8956975 7.3750 130815.0000 100.0000 7.3750 130,715.46 ZZ 7.0000 903.51 1 13.3750 903.51 95 FLORISSANT MO 63033 13.0000 04/21/04 0420174146 0.0000 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04/01/06 04/01/06 P87/U57 7.8300 05/01/06 05/01/06 25 7.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962563 8.7500 237600.0000 100.0000 8.7500 237,463.30 ZZ 8.2500 1869.20 1 14.7500 1869.20 90 MANSFIELD TX 76063 14.2500 04/23/04 0420587297 0.0000 06/01/04 23 0420587297 0.0000 05/01/34 0.0000 0 8.8750 05/01/06 05/01/06 E22/U57 8.3750 06/01/06 06/01/06 25 8.8750 0.0000 0.0000 A 11.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8962577 6.9900 96000.0000 100.0000 6.9900 95,841.84 ZZ 6.6150 638.05 1 12.9900 638.05 100 BELOIT WI 53511 12.6150 03/31/04 0437774284 6.9900 05/01/04 23 BC85583 6.6150 04/01/34 0.0000 0 8.0700 04/01/06 04/01/06 P87/U57 7.6950 05/01/06 05/01/06 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8962589 8.0000 98900.0000 100.0000 8.0000 98,833.64 ZZ 7.5000 725.69 1 14.0000 725.69 95 THOMASVILLE NC 27360 13.5000 04/15/04 0420536492 0.0000 06/01/04 23 0420536492 0.0000 05/01/34 0.0000 0 8.3750 05/01/07 05/01/07 E22/U57 7.8750 06/01/07 06/01/07 25 8.3750 0.0000 0.0000 A 11.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962595 7.3750 110000.0000 100.0000 7.3750 109,916.30 ZZ 7.0000 759.74 1 13.3750 759.74 100 SAGINAW MI 49603 13.0000 04/23/04 0420537573 0.0000 06/01/04 23 0420537573 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962611 7.3750 90250.0000 100.0000 7.3750 90,181.33 ZZ 7.0000 623.33 1 13.3750 623.33 95 OMAHA NE 68131 13.0000 04/23/04 0420548521 0.0000 06/01/04 23 0420548521 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.6250 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962623 5.1250 240000.0000 100.0000 5.1250 239,718.23 ZZ 4.8750 1306.77 1 10.1250 1306.77 80 SAN DIEGO CA 92139 9.8750 04/16/04 0420550360 0.0000 06/01/04 00 0420550360 0.0000 05/01/34 0.0000 0 2.2500 05/01/09 05/01/09 E22/U57 2.0000 06/01/09 06/01/09 45 2.2500 0.0000 0.0000 A 10.1250 12 12 360 L12 2.0000 2.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 01 00 O 0.0000 8962741 7.1250 88200.0000 100.0000 7.1250 88,129.47 ZZ 6.7500 594.22 1 13.1250 594.22 90 BERLIN WI 54923 12.7500 04/09/04 0437774391 7.1250 06/01/04 23 BC85794 6.7500 05/01/34 0.0000 0 8.1250 05/01/06 05/01/06 P87/U57 7.7500 06/01/06 06/01/06 25 7.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8962773 4.3750 112000.0000 100.0000 4.3750 111,849.13 ZZ 4.1250 559.20 1 10.3750 559.20 80 OREM UT 84057 10.1250 04/14/04 0420488215 0.0000 06/01/04 00 0420488215 0.0000 05/01/34 0.0000 0 2.2500 05/01/07 05/01/07 E22/U57 2.0000 06/01/07 06/01/07 45 2.3750 0.0000 0.0000 A 6.3750 12 12 360 L12 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962805 8.5000 111180.0000 100.0000 8.5000 111,112.64 ZZ 8.1250 854.88 1 14.5000 854.88 100 COUNCIL BLUFFS IA 51503 14.1250 04/23/04 0420445454 0.0000 06/01/04 23 0420445454 0.0000 05/01/34 0.0000 0 8.7500 05/01/07 05/01/07 E22/U57 8.3750 06/01/07 06/01/07 25 8.7500 0.0000 0.0000 A 11.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962827 7.6250 103550.0000 100.0000 7.6250 103,475.05 ZZ 7.1250 732.92 1 13.6250 732.92 95 COLUMBUS GA 31907 13.1250 04/23/04 0420456220 0.0000 06/01/04 23 0420456220 0.0000 05/01/34 0.0000 0 8.7500 05/01/07 05/01/07 E22/U57 8.2500 06/01/07 06/01/07 25 8.7500 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962863 7.3750 128250.0000 100.0000 7.3750 128,152.41 ZZ 6.8750 885.79 1 13.3750 885.79 95 VERO BEACH FL 32966 12.8750 04/23/04 0420404980 0.0000 06/01/04 23 0420404980 0.0000 05/01/34 0.0000 0 7.8750 05/01/07 05/01/07 E22/U57 7.3750 06/01/07 06/01/07 25 7.8750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962961 7.3750 129900.0000 100.0000 7.3750 129,801.15 ZZ 7.0000 897.19 1 13.3750 897.19 100 BETHLEHEM GA 30620 13.0000 04/23/04 0420436024 0.0000 06/01/04 23 0420436024 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962977 6.2500 114210.0000 100.0000 6.2500 114,101.63 ZZ 5.8750 703.21 1 12.2500 703.21 90 CANON CITY CO 81212 11.8750 04/23/04 0420385015 0.0000 06/01/04 23 0420385015 0.0000 05/01/34 0.0000 0 6.8750 05/01/07 05/01/07 E22/U57 6.5000 06/01/07 06/01/07 25 6.8750 0.0000 0.0000 A 9.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962989 7.7500 78375.0000 100.0000 7.7500 78,319.68 ZZ 7.2500 561.49 1 13.7500 561.49 95 FRANKLIN LA 70538 13.2500 04/23/04 0420391476 0.0000 06/01/04 23 0420391476 0.0000 05/01/34 0.0000 0 8.3750 05/01/07 05/01/07 E22/U57 7.8750 06/01/07 06/01/07 25 8.3750 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8962991 6.7500 154850.0000 100.0000 6.7500 154,582.61 ZZ 6.3750 1004.35 1 12.7500 1004.35 95 LYNWOOD IL 60411 12.3750 04/02/04 0437775000 6.7500 05/01/04 23 BCC85733 6.3750 04/01/34 0.0000 0 7.8300 04/01/06 04/01/06 P87/U57 7.4550 05/01/06 05/01/06 45 6.7500 0.0000 0.0000 A 9.7500 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963021 7.0000 50150.0000 100.0000 7.0000 50,108.89 ZZ 6.5000 333.65 1 13.0000 333.65 85 CANTON IL 61520 12.5000 04/09/04 0437778053 7.0000 06/01/04 23 BCC86112 6.5000 05/01/34 0.0000 0 8.7700 05/01/06 05/01/06 P87/U57 8.2700 06/01/06 06/01/06 45 7.0000 0.0000 0.0000 A 10.0000 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963031 7.2500 128250.0000 100.0000 7.2500 128,149.95 ZZ 6.7500 874.89 1 13.2500 874.89 95 RICHMOND MI 48062 12.7500 04/19/04 0437773450 7.2500 06/01/04 23 BC86392 6.7500 05/01/34 0.0000 0 8.2700 05/01/07 05/01/07 P87/U57 7.7700 06/01/07 06/01/07 25 7.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963047 8.1250 74100.0000 100.0000 8.1250 74,002.73 ZZ 7.6250 550.19 1 14.1250 550.19 95 MOUNTAIN TOP PA 18707 13.6250 03/31/04 0437778269 8.1250 05/01/04 23 BC85886 7.6250 04/01/34 0.0000 0 9.2050 04/01/07 04/01/07 P87/U57 8.7050 05/01/07 05/01/07 25 8.1250 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963049 7.1250 85025.0000 100.0000 7.1250 84,957.01 ZZ 6.7500 572.83 1 13.1250 572.83 95 HOUSTON TX 77009 12.7500 04/21/04 0420345357 0.0000 06/01/04 23 0420345357 0.0000 05/01/34 0.0000 0 7.6250 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8963079 7.1250 178600.0000 100.0000 7.1250 178,457.18 ZZ 6.6250 1203.26 1 13.1250 1203.26 95 PORTLAND OR 97230 12.6250 04/23/04 0420363178 0.0000 06/01/04 23 0420363178 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963101 7.7500 166772.0000 100.0000 7.7500 166,654.29 ZZ 7.3750 1194.78 1 13.7500 1194.78 95 LEAGUE CITY TX 77573 13.3750 04/23/04 0420294878 0.0000 06/01/04 23 0420294878 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963107 6.8750 71155.0000 100.0000 6.8750 71,095.22 ZZ 6.3750 467.44 1 12.8750 467.44 95 PORT RICHEY FL 34668 12.3750 04/23/04 0420301418 0.0000 06/01/04 23 0420301418 0.0000 05/01/34 0.0000 0 8.1250 05/01/06 05/01/06 E22/U57 7.6250 06/01/06 06/01/06 25 8.1250 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963123 7.2500 195000.0000 100.0000 7.2500 194,694.86 ZZ 6.8750 1330.24 1 13.2500 1330.24 100 GRAYSLAKE IL 60030 12.8750 03/24/04 0437774532 0.0000 05/01/04 23 BCC85095 0.0000 04/01/34 0.0000 0 8.3300 04/01/06 04/01/06 P87/U57 7.9550 05/01/06 05/01/06 45 7.2500 0.0000 0.0000 A 10.2500 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963127 7.2500 117800.0000 100.0000 7.2500 117,615.66 ZZ 6.7500 803.60 1 13.2500 803.60 95 WHITING IN 46394 12.7500 03/30/04 0437776347 0.0000 05/01/04 23 BCC85163 0.0000 04/01/34 0.0000 0 8.3300 04/01/06 04/01/06 P87/U57 7.8300 05/01/06 05/01/06 45 7.2500 0.0000 0.0000 A 10.2500 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963239 7.3750 112100.0000 100.0000 7.3750 112,014.70 ZZ 6.8750 774.25 1 13.3750 774.25 95 LINCOLN NE 68505 12.8750 04/09/04 0437777584 7.3750 06/01/04 23 BCC86128 6.8750 05/01/34 0.0000 0 8.3950 05/01/07 05/01/07 P87/U57 7.8950 06/01/07 06/01/07 25 7.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963249 6.7500 100000.0000 100.0000 6.7500 99,827.32 ZZ 6.3750 648.60 1 12.7500 648.60 100 LOUISVILLE KY 40272 12.3750 03/31/04 0437774508 6.7500 05/01/04 23 BC85653 6.3750 04/01/34 0.0000 0 7.8300 04/01/07 04/01/07 P87/U57 7.4550 05/01/07 05/01/07 25 6.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963279 7.2500 333000.0000 100.0000 7.2500 332,740.23 ZZ 6.8750 2271.65 1 13.2500 2271.65 90 LAVEEN AZ 85339 12.8750 04/09/04 0420228686 0.0000 06/01/04 23 0420228686 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963295 7.6250 180500.0000 100.0000 7.6250 180,369.36 ZZ 7.1250 1277.57 1 13.6250 1277.57 95 NEWPORT MN 55055 13.1250 04/19/04 0420025967 0.0000 06/01/04 23 0420025967 0.0000 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 8.0000 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963325 6.5000 135000.0000 100.0000 6.5000 134,877.96 ZZ 6.1250 853.29 1 12.5000 853.29 90 LINCOLN NE 68512 12.1250 04/05/04 0437777774 6.5000 06/01/04 23 BC85600 6.1250 05/01/34 0.0000 0 7.5300 05/01/07 05/01/07 P87/U57 7.1550 06/01/07 06/01/07 25 6.5000 0.0000 0.0000 A 9.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963331 7.2500 78900.0000 100.0000 7.2500 78,838.45 ZZ 6.8750 538.24 1 13.2500 538.24 100 DIVERNON IL 62530 12.8750 04/16/04 0437774201 7.2500 06/01/04 23 BC86427 6.8750 05/01/34 0.0000 0 8.2700 05/01/06 05/01/06 P87/U57 7.8950 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963343 7.1250 98000.0000 100.0000 7.1250 97,921.64 ZZ 6.7500 660.24 1 13.1250 660.24 98 JANESVILLE WI 53546 12.7500 04/16/04 0437773559 7.1250 06/01/04 23 BC85223 6.7500 05/01/34 0.0000 0 8.1450 05/01/06 05/01/06 P87/U57 7.7700 06/01/06 06/01/06 25 7.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963355 7.0000 115900.0000 100.0000 7.0000 115,804.99 ZZ 6.5000 771.09 1 13.0000 771.09 95 DES MOINES IA 50320 12.5000 04/14/04 0437776552 7.0000 06/01/04 23 BC86264 6.5000 05/01/34 0.0000 0 8.5200 05/01/06 05/01/06 P87/U57 8.0200 06/01/06 06/01/06 25 7.0000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963419 7.0000 70775.0000 100.0000 7.0000 70,716.98 ZZ 6.5000 470.87 1 13.0000 470.87 95 AURORA IL 60505 12.5000 04/08/04 0437776487 7.0000 06/01/04 23 BCC85364 6.5000 05/01/34 0.0000 0 8.0800 05/01/06 05/01/06 P87/U57 7.5800 06/01/06 06/01/06 45 7.0000 0.0000 0.0000 A 10.0000 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 08 00 O 0.0000 8963423 6.8750 66000.0000 100.0000 6.8750 65,944.56 ZZ 6.5000 433.57 1 12.8750 433.57 100 MEMPHIS TN 38111 12.5000 04/09/04 0437776925 6.8750 06/01/04 23 BC85890 6.5000 05/01/34 0.0000 0 7.8950 05/01/06 05/01/06 P87/U57 7.5200 06/01/06 06/01/06 25 6.8750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963431 7.6250 78850.0000 100.0000 7.6250 78,792.93 ZZ 7.1250 558.10 1 13.6250 558.10 95 WISCONSIN RAPID WI 54494 13.1250 04/02/04 0437775687 7.6250 06/01/04 23 BC84588 7.1250 05/01/34 0.0000 0 8.7050 05/01/06 05/01/06 P87/U57 8.2050 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963435 6.9900 82000.0000 100.0000 6.9900 81,932.65 ZZ 6.4900 545.00 1 12.9900 545.00 93 HAMILTON OH 45011 12.4900 04/09/04 0437777899 6.9900 06/01/04 23 BCC85979 6.4900 05/01/34 0.0000 0 8.0800 05/01/07 05/01/07 P87/U57 7.5800 06/01/07 06/01/07 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963441 6.7500 103550.0000 100.0000 6.7500 103,371.20 ZZ 6.3750 671.62 1 12.7500 671.62 95 APPLETON WI 54911 12.3750 03/22/04 0437776131 6.7500 05/01/04 23 BCC85869 6.3750 04/01/34 0.0000 0 7.8300 04/01/06 04/01/06 P87/U57 7.4550 05/01/06 05/01/06 25 6.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963443 6.9000 130900.0000 100.0000 6.9000 130,790.57 ZZ 6.5250 862.11 1 12.9000 862.11 100 MILWAUKEE WI 53221 12.5250 04/14/04 0437774573 6.9000 06/01/04 23 BC86094 6.5250 05/01/34 0.0000 0 7.9200 05/01/06 05/01/06 P87/U57 7.5450 06/01/06 06/01/06 25 6.9000 0.0000 0.0000 A 9.9000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963445 6.8750 99750.0000 100.0000 6.8750 99,666.19 ZZ 6.3750 655.29 1 12.8750 655.29 95 LOUISVILLE KY 40214 12.3750 04/16/04 0437777105 6.8750 06/01/04 23 BC86576 6.3750 05/01/34 0.0000 0 7.8950 05/01/07 05/01/07 P87/U57 7.3950 06/01/07 06/01/07 25 6.8750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963447 6.7500 157600.0000 100.0000 6.7500 157,464.31 ZZ 6.3750 1022.19 1 12.7500 1022.19 80 MARGATE FL 33063 12.3750 04/15/04 0437776909 6.7500 06/01/04 00 BC85553 6.3750 05/01/34 0.0000 0 7.0200 05/01/07 05/01/07 P87/U57 6.6450 06/01/07 06/01/07 25 6.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8963489 6.8750 90000.0000 100.0000 6.8750 89,924.39 ZZ 6.5000 591.24 1 12.8750 591.24 100 INDIANAPOLIS IN 46203 12.5000 04/09/04 0437778475 6.8750 06/01/04 23 BC85292 6.5000 05/01/34 0.0000 0 7.8950 05/01/07 05/01/07 P87/U57 7.5200 06/01/07 06/01/07 25 6.8750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963493 6.9900 140400.0000 100.0000 6.9900 140,168.71 ZZ 6.6150 933.14 1 12.9900 933.14 90 MADISON WI 53704 12.6150 03/31/04 0437778756 6.9900 05/01/04 23 BC85087 6.6150 04/01/34 0.0000 0 7.9900 04/01/06 04/01/06 P87/U57 7.6150 05/01/06 05/01/06 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963499 6.9900 97850.0000 100.0000 6.9900 97,688.81 ZZ 6.6150 650.34 2 12.9900 650.34 95 MILWAUKEE WI 53210 12.6150 03/18/04 0437778145 0.0000 05/01/04 23 BCC84919 0.0000 04/01/34 0.0000 0 8.0700 04/01/06 04/01/06 P87/U57 7.6950 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963501 6.8750 114000.0000 100.0000 6.8750 113,904.23 ZZ 6.5000 748.90 1 12.8750 748.90 95 HOUSTON TX 77066 12.5000 04/23/04 0420170771 0.0000 06/01/04 23 0420170771 0.0000 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 E22/U57 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8963503 6.9900 88350.0000 100.0000 6.9900 88,277.44 ZZ 6.4900 587.20 1 12.9900 587.20 95 KENOSHA WI 53140 12.4900 04/14/04 0437779820 6.9900 06/01/04 23 BC86287 6.4900 05/01/34 0.0000 0 8.0100 05/01/06 05/01/06 P87/U57 7.5100 06/01/06 06/01/06 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963511 6.6250 174500.0000 100.0000 6.6250 174,346.05 ZZ 6.1250 1117.34 1 12.6250 1117.34 94 SOUTH MILWAUKEE WI 53172 12.1250 03/31/04 0437779259 6.6250 06/01/04 23 BC85862 6.1250 05/01/34 0.0000 0 7.7050 05/01/06 05/01/06 P87/U57 7.2050 06/01/06 06/01/06 25 6.6250 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963521 6.9900 92600.0000 100.0000 6.9900 92,523.95 ZZ 6.6150 615.45 1 12.9900 615.45 100 BRODHEAD WI 53520 12.6150 04/07/04 0437775802 6.9900 06/01/04 23 BC85853 6.6150 05/01/34 0.0000 0 8.0100 05/01/06 05/01/06 P87/U57 7.6350 06/01/06 06/01/06 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963523 7.0000 96500.0000 100.0000 7.0000 96,420.90 ZZ 6.6250 642.02 1 13.0000 642.02 100 CLARKSVILLE IN 47129 12.6250 04/07/04 0437775612 7.0000 06/01/04 23 BC86093 6.6250 05/01/34 0.0000 0 8.0200 05/01/06 05/01/06 P87/U57 7.6450 06/01/06 06/01/06 25 7.0000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963525 6.7500 80700.0000 100.0000 6.7500 80,630.52 ZZ 6.2500 523.42 1 12.7500 523.42 95 MILWAUKEE WI 53209 12.2500 04/06/04 0437777550 6.7500 06/01/04 23 BC85772 6.2500 05/01/34 0.0000 0 7.4650 05/01/06 05/01/06 P87/U57 6.9650 06/01/06 06/01/06 25 6.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963527 6.7500 121000.0000 100.0000 6.7500 120,895.83 ZZ 6.3750 784.80 1 12.7500 784.80 100 MONROE OH 45050 12.3750 04/14/04 0437779010 6.7500 06/01/04 23 BC86024 6.3750 05/01/34 0.0000 0 7.7700 05/01/07 05/01/07 P87/U57 7.3950 06/01/07 06/01/07 25 6.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963643 6.9900 206500.0000 100.0000 6.9900 206,330.40 ZZ 6.4900 1372.46 1 12.9900 1372.46 98 DELAWARE OH 43015 12.4900 04/07/04 0437776156 6.9900 06/01/04 23 BC85854 6.4900 05/01/34 0.0000 0 7.9900 05/01/07 05/01/07 P87/U57 7.4900 06/01/07 06/01/07 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8963681 7.2500 134900.0000 100.0000 7.2500 134,794.76 ZZ 6.8750 920.26 1 13.2500 920.26 100 DOLTON IL 60419 12.8750 04/20/04 0437775364 7.2500 06/01/04 23 BC86459 6.8750 05/01/34 0.0000 0 8.2700 05/01/06 05/01/06 P87/U57 7.8950 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963721 7.2500 87875.0000 100.0000 7.2500 87,806.45 ZZ 6.7500 599.46 1 13.2500 599.46 95 LINCOLN NE 68507 12.7500 04/20/04 0437779283 7.2500 06/01/04 23 BC86686 6.7500 05/01/34 0.0000 0 8.2700 05/01/06 05/01/06 P87/U57 7.7700 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8963723 7.0000 178500.0000 100.0000 7.0000 178,206.53 ZZ 6.5000 1187.56 1 13.0000 1187.56 85 ROCKFORD MN 55373 12.5000 03/18/04 0437777196 0.0000 05/01/04 23 BCCW84847 0.0000 04/01/34 0.0000 0 8.0800 04/01/06 04/01/06 P87/U57 7.5800 05/01/06 05/01/06 45 7.0000 0.0000 0.0000 A 10.0000 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8964045 7.2500 118750.0000 100.0000 7.2500 118,564.18 ZZ 6.8750 810.08 1 13.2500 810.08 95 LINCOLNTON NC 28092 12.8750 03/29/04 0437772486 7.2500 05/01/04 23 ST51421 6.8750 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 T76/U56 7.3750 05/01/06 05/01/06 25 7.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8964079 6.7500 199500.0000 100.0000 6.7500 199,155.51 ZZ 6.2500 1293.95 1 12.7500 1293.95 95 HAINESVILLE IL 60030 12.2500 03/25/04 0437777253 0.0000 05/01/04 23 BCCX83777 0.0000 04/01/34 0.0000 0 7.8300 04/01/07 04/01/07 P87/U57 7.3300 05/01/07 05/01/07 25 6.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8964083 6.6250 113500.0000 100.0000 6.6250 113,399.86 ZZ 6.2500 726.75 1 12.6250 726.75 100 SHEBOYGAN WI 53081 12.2500 04/06/04 0437777394 6.6250 06/01/04 23 BC85364 6.2500 05/01/34 0.0000 0 7.6450 05/01/06 05/01/06 P87/U57 7.2700 06/01/06 06/01/06 25 6.6250 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8964399 7.1250 99000.0000 100.0000 7.1250 98,920.83 ZZ 6.7500 666.98 1 13.1250 666.98 90 COLOMA MI 49038 12.7500 04/19/04 0437777519 0.0000 06/01/04 23 1022000859 0.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 W40/U57 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8964535 6.0000 147100.0000 100.0000 6.0000 146,509.83 ZZ 5.7500 881.94 2 11.0000 881.94 89 HEWITT TX 76643 10.7500 01/16/04 0437786387 0.0000 03/01/04 11 3006466 0.0000 02/01/34 25.0000 0 3.2500 02/01/09 02/01/09 Y28/U57 3.0000 03/01/09 03/01/09 45 3.2500 0.0000 0.0000 A 11.0000 12 12 360 L12 2.0000 2.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 N 0.0000 8964639 5.7500 209000.0000 100.0000 5.7500 208,342.22 ZZ 5.5000 1219.67 1 10.7500 1219.67 95 SUGAR LAND TX 77479 10.5000 02/06/04 0437777428 0.0000 04/01/04 23 4001179 0.0000 03/01/34 0.0000 0 3.5000 03/01/09 03/01/09 Y28/U57 3.2500 04/01/09 04/01/09 25 3.5000 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 03 00 O 0.0000 8964641 5.3750 141450.0000 100.0000 5.3750 140,972.37 ZZ 5.1250 792.08 1 11.3750 792.08 95 TOMBALL TX 77377 11.1250 02/26/04 0437777865 0.0000 04/01/04 23 4001264 0.0000 03/01/34 0.0000 0 3.2500 03/01/06 03/01/06 Y28/U57 3.0000 04/01/06 04/01/06 25 3.3750 0.0000 0.0000 A 7.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8964651 4.6250 222500.0000 100.0000 4.6250 221,637.46 ZZ 4.3750 1143.96 1 9.6250 1143.96 100 WASHINGTON DC 20009 9.3750 02/25/04 0437777121 0.0000 04/01/04 12 31204056 0.0000 03/01/34 35.0000 0 2.2500 03/01/09 03/01/09 696/U57 2.0000 04/01/09 04/01/09 45 2.2500 0.0000 0.0000 A 9.6250 12 12 360 L12 2.0000 2.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 08 00 O 0.0000 8965153 7.8750 57000.0000 100.0000 7.8750 56,960.77 ZZ 7.3750 413.29 1 13.8750 413.29 95 BATON ROUGE LA 70812 13.3750 04/26/04 0419555982 0.0000 06/01/04 23 0419555982 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8965255 6.7500 81000.0000 100.0000 6.7500 80,930.27 ZZ 6.3750 525.36 1 12.7500 525.36 90 TAMPA FL 33614 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0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966269 6.6250 229500.0000 100.0000 6.6250 229,297.52 ZZ 6.2500 1469.51 1 12.6250 1469.51 90 DOVER NJ 07801 12.2500 04/15/04 0420356370 0.0000 06/01/04 23 0420356370 0.0000 05/01/34 0.0000 0 6.8750 05/01/07 05/01/07 E22/U57 6.5000 06/01/07 06/01/07 25 6.8750 0.0000 0.0000 A 9.6250 6 6 360 E 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966299 6.6250 127800.0000 100.0000 6.6250 127,687.24 ZZ 6.2500 818.32 1 12.6250 818.32 90 ELK RAPIDS MI 49629 12.2500 04/21/04 0420608168 0.0000 06/01/04 23 0420608168 0.0000 05/01/34 0.0000 0 7.1250 05/01/06 05/01/06 E22/U57 6.7500 06/01/06 06/01/06 25 7.1250 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966317 7.0000 112500.0000 100.0000 7.0000 112,407.78 ZZ 6.6250 748.47 1 13.0000 748.47 90 METAIRIE LA 70003 12.6250 04/21/04 0420619025 0.0000 06/01/04 23 0420619025 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966329 7.7500 113905.0000 100.0000 7.7500 113,824.61 ZZ 7.2500 816.03 1 13.7500 816.03 95 BIRMINGHAM AL 35235 13.2500 04/26/04 0420641078 0.0000 06/01/04 23 0420641078 0.0000 05/01/34 0.0000 0 8.1250 05/01/06 05/01/06 E22/U57 7.6250 06/01/06 06/01/06 25 8.1250 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8966425 6.6250 125910.0000 100.0000 6.6250 125,798.91 T 6.2500 806.22 1 12.6250 806.22 90 KISSIMMEE FL 34743 12.2500 04/26/04 0420133571 0.0000 06/01/04 23 0420133571 0.0000 05/01/34 0.0000 0 7.6250 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 9.6250 6 6 360 E 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23 0420282444 0.0000 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 E22/U57 7.6250 06/01/06 06/01/06 25 8.0000 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8966519 7.5000 82450.0000 100.0000 7.5000 82,388.81 ZZ 7.0000 576.50 1 13.5000 576.50 85 LOUISVILLE KY 40211 13.0000 04/21/04 0420372831 0.0000 06/01/04 23 0420372831 0.0000 05/01/34 0.0000 0 7.7500 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.7500 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966551 7.6250 169563.6000 100.0000 7.6250 169,440.88 ZZ 7.1250 1200.16 1 13.6250 1200.16 95 COLLEGE PARK GA 30344 13.1250 04/26/04 0420394892 0.0000 06/01/04 23 0420394892 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8966553 6.8750 103950.0000 100.0000 6.8750 103,862.67 ZZ 6.5000 682.88 1 12.8750 682.88 99 LOUISVILLE KY 40214 12.5000 04/20/04 0420397556 0.0000 06/01/04 23 0420397556 0.0000 05/01/34 0.0000 0 8.1250 05/01/07 05/01/07 E22/U57 7.7500 06/01/07 06/01/07 25 8.1250 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966637 6.8750 153000.0000 100.0000 6.8750 152,871.46 ZZ 6.3750 1005.10 1 12.8750 1005.10 85 GRAND RAPIDS MI 49525 12.3750 04/20/04 0420434599 0.0000 06/01/04 23 0420434599 0.0000 05/01/34 0.0000 0 7.1250 05/01/06 05/01/06 E22/U57 6.6250 06/01/06 06/01/06 25 7.1250 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966699 7.8750 72000.0000 100.0000 7.8750 71,950.45 ZZ 7.3750 522.05 1 13.8750 522.05 90 ELIZABETHTOWN KY 42701 13.3750 04/21/04 0420450819 0.0000 06/01/04 23 0420450819 0.0000 05/01/34 0.0000 0 8.5000 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.5000 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966809 6.9900 330600.0000 100.0000 6.9900 330,055.35 ZZ 6.4900 2197.28 1 13.9900 2197.28 95 ROCKLIN CA 95765 13.4900 03/08/04 7000097398 6.9900 05/01/04 23 7000097398 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966837 5.9500 213000.0000 100.0000 5.9500 212,570.77 ZZ 5.4500 1270.21 2 12.9500 1270.21 75 STOCKTON CA 95209 12.4500 03/24/04 7000098828 5.9500 05/01/04 00 7000098828 5.4500 04/01/34 0.0000 0 6.9000 04/01/07 04/01/07 T38/T38 6.4000 05/01/07 05/01/07 45 5.9500 0.0000 0.0000 A 8.9500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8966859 8.0000 79000.0000 100.0000 8.0000 78,893.30 ZZ 7.5000 579.68 1 15.0000 579.68 100 BALTIMORE MD 21229 14.5000 03/22/04 6000093258 8.0000 05/01/04 23 6000093258 7.5000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 8.0000 0.0000 0.0000 A 11.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966865 7.7500 188000.0000 100.0000 7.7500 187,733.76 ZZ 7.2500 1346.86 1 14.7500 1346.86 100 RICHMOND VA 23236 14.2500 03/25/04 6000094275 7.7500 05/01/04 23 6000094275 7.2500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.7500 0.0000 0.0000 A 10.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966927 6.7500 135000.0000 100.0000 6.7500 134,766.88 ZZ 6.2500 875.61 1 13.7500 875.61 100 COLUMBIA SC 29203 13.2500 03/09/04 6000092024 6.7500 05/01/04 23 6000092024 6.2500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.7500 0.0000 0.0000 A 9.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966935 7.8500 162000.0000 100.0000 7.8500 161,775.15 ZZ 7.3500 1171.81 1 14.8500 1171.81 100 WINDSOR MILL MD 21244 14.3500 03/22/04 6000093187 7.8500 05/01/04 23 6000093187 7.3500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.8500 0.0000 0.0000 A 10.8500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8966941 7.0000 152100.0000 100.0000 7.0000 151,849.91 ZZ 6.5000 1011.93 2 14.0000 1011.93 90 NORCROSS GA 30093 13.5000 03/22/04 6000093219 7.0000 05/01/04 23 6000093219 6.5000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.0000 0.0000 0.0000 A 10.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8966947 6.6000 90900.0000 100.0000 6.6000 90,738.36 ZZ 6.1000 580.55 1 13.6000 580.55 90 CHARLOTTE NC 28110 13.1000 03/10/04 6000092078 6.6000 05/01/04 23 6000092078 6.1000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.6000 0.0000 0.0000 A 9.6000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 09 00 N 0.0000 8966953 6.6500 171900.0000 100.0000 6.6500 171,597.31 ZZ 6.1500 1103.54 1 13.6500 1103.54 90 POUGHKEEPSIE NY 12601 13.1500 03/18/04 6000092107 6.6500 05/01/04 23 6000092107 6.1500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.6500 0.0000 0.0000 A 9.6500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8966987 8.3500 145000.0000 100.0000 8.3500 144,818.19 ZZ 7.8500 1099.55 1 15.3500 1099.55 100 GOOSE CREEK SC 29445 14.8500 03/05/04 6000091478 8.3500 05/01/04 23 6000091478 7.8500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 8.3500 0.0000 0.0000 A 11.3500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8967015 7.9000 165000.0000 100.0000 7.9000 164,773.30 ZZ 7.4000 1199.23 1 14.9000 1199.23 100 MIDDLE RIVER MD 21220 14.4000 03/19/04 6000092829 7.9000 05/01/04 23 6000092829 7.4000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.9000 0.0000 0.0000 A 10.9000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8967019 7.3500 100000.0000 100.0000 7.3500 99,846.57 ZZ 6.8500 688.98 1 14.3500 688.98 100 TROUTMAN NC 28166 13.8500 03/31/04 6000092848 7.3500 05/01/04 23 6000092848 6.8500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.3500 0.0000 0.0000 A 10.3500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8967041 7.6500 138106.0000 100.0000 7.6500 137,906.44 ZZ 7.1500 979.89 1 14.6500 979.89 100 REX GA 30273 14.1500 03/29/04 6000092617 7.6500 05/01/04 23 6000092617 7.1500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.6500 0.0000 0.0000 A 10.6500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8967083 7.6000 92250.0000 100.0000 7.6000 92,114.71 ZZ 7.1000 651.36 1 14.6000 651.36 90 CHARLOTTE NC 28208 14.1000 03/22/04 6000092701 7.6000 05/01/04 23 6000092701 7.1000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.6000 0.0000 0.0000 A 10.6000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8967101 7.8000 83500.0000 100.0000 7.8000 83,382.92 ZZ 7.3000 601.10 1 14.8000 601.10 100 THOMASVILLE GA 31792 14.3000 03/26/04 6000092607 7.8000 05/01/04 23 6000092607 7.3000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.8000 0.0000 0.0000 A 10.8000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8967109 7.6000 89550.0000 100.0000 7.6000 89,419.31 ZZ 7.1000 632.29 1 14.6000 632.29 90 CHARLOTTE NC 28208 14.1000 03/22/04 6000092724 7.6000 05/01/04 23 6000092724 7.1000 04/01/34 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7.4900 856.96 1 14.9900 856.96 100 ORLANDO FL 32810 14.4900 03/15/04 6000091608 7.9900 05/01/04 23 6000091608 7.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.9900 0.0000 0.0000 A 10.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8967127 7.2500 148000.0000 100.0000 7.2500 147,768.38 ZZ 6.7500 1009.63 1 14.2500 1009.63 100 BRANDON FL 33511 13.7500 03/19/04 6000091639 7.2500 05/01/04 23 6000091639 6.7500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2500 0.0000 0.0000 A 10.2500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8967139 6.8000 154000.0000 100.0000 6.8000 153,736.65 ZZ 6.3000 1003.97 1 13.8000 1003.97 100 COLONIE NY 12189 13.3000 03/30/04 6000091691 6.8000 05/01/04 23 6000091691 6.3000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.8000 0.0000 0.0000 A 9.8000 6 6 360 9 1.5000 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6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8967995 7.3500 117000.0000 100.0000 7.3500 116,820.51 ZZ 6.8500 806.10 1 14.3500 806.10 90 EASTPOINTE MI 48021 13.8500 03/03/04 7000095838 7.3500 05/01/04 23 7000095838 6.8500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.3500 0.0000 0.0000 A 10.3500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8968007 7.8500 76500.0000 100.0000 7.8500 76,392.16 ZZ 7.3500 553.36 1 14.8500 553.36 90 TAMPA FL 33615 14.3500 03/30/04 6000094844 7.8500 05/01/04 23 6000094844 7.3500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.8500 0.0000 0.0000 A 10.8500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8968013 8.0500 158400.0000 100.0000 8.0500 158,188.87 ZZ 7.5500 1167.81 1 15.0500 1167.81 90 NAPLES FL 34120 14.5500 03/26/04 6000093364 8.0500 05/01/04 23 6000093364 7.5500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 8.0500 0.0000 0.0000 A 11.0500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8968023 6.6500 150000.0000 100.0000 6.6500 149,735.87 ZZ 6.1500 962.95 1 13.6500 962.95 100 HUDSON FL 34667 13.1500 03/18/04 6000093400 6.6500 05/01/04 23 6000093400 6.1500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.6500 0.0000 0.0000 A 9.6500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968051 7.1000 195300.0000 100.0000 7.1000 194,826.35 ZZ 6.6000 1312.48 1 14.1000 1312.48 90 STOCKTON CA 95206 13.6000 02/25/04 7000096055 7.1000 04/01/04 23 7000096055 6.6000 03/01/34 0.0000 0 6.9900 03/01/06 03/01/06 T38/T38 6.4900 04/01/06 04/01/06 45 7.1000 0.0000 0.0000 A 10.1000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968077 6.8500 323000.0000 100.0000 6.8500 322,453.05 ZZ 6.3500 2116.49 1 13.8500 2116.49 95 BAY SHORE NY 11706 13.3500 03/30/04 1000164037 6.8500 05/01/04 23 1000164037 6.3500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.8500 0.0000 0.0000 A 9.8500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968087 5.9900 337500.0000 100.0000 5.9900 336,825.15 ZZ 5.4900 2021.32 2 12.9900 2021.32 90 BROOKLYN NY 11208 12.4900 03/31/04 1000164084 5.9900 05/01/04 23 1000164084 5.4900 04/01/34 0.0000 0 6.9400 04/01/06 04/01/06 T38/T38 6.4400 05/01/06 05/01/06 45 5.9900 0.0000 0.0000 A 8.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968097 6.3500 145000.0000 100.0000 6.3500 144,729.37 ZZ 5.8500 902.25 1 13.3500 902.25 100 SAUK VILLAGE IL 60411 12.8500 03/19/04 5000089030 6.3500 05/01/04 23 5000089030 5.8500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.3500 0.0000 0.0000 A 9.3500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968127 7.4900 84000.0000 100.0000 7.4900 83,874.67 ZZ 6.9900 586.77 1 14.4900 586.77 100 AMARILLO TX 79108 13.9900 03/15/04 5000090096 7.4900 05/01/04 23 5000090096 6.9900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.4900 0.0000 0.0000 A 10.4900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968141 6.5000 289500.0000 100.0000 6.5000 288,975.16 ZZ 6.0000 1829.84 1 13.5000 1829.84 97 ROUND ROCK TX 78664 13.0000 03/26/04 5000090410 6.5000 05/01/04 23 5000090410 6.0000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.5000 0.0000 0.0000 A 9.5000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8968147 6.9900 110000.0000 100.0000 6.9900 109,818.77 ZZ 6.4900 731.10 1 13.9900 731.10 100 CHICAGO IL 60647 13.4900 03/05/04 5000090368 6.9900 05/01/04 23 5000090368 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8968153 7.8000 112500.0000 100.0000 7.8000 112,342.27 ZZ 7.3000 809.86 1 14.8000 809.86 90 DESOTO TX 75115 14.3000 03/11/04 5000090663 7.8000 05/01/04 23 5000090663 7.3000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.8000 0.0000 0.0000 A 10.8000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8968159 7.2000 103000.0000 100.0000 7.2000 102,836.35 ZZ 6.7000 699.16 1 14.2000 699.16 100 CHETEK WI 54728 13.7000 03/11/04 5000090677 7.2000 05/01/04 23 5000090677 6.7000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2000 0.0000 0.0000 A 10.2000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968163 7.9900 225000.0000 100.0000 7.9900 224,696.43 ZZ 7.4900 1649.41 1 14.9900 1649.41 100 MONROE WA 98272 14.4900 03/19/04 5000089927 7.9900 05/01/04 23 5000089927 7.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.9900 0.0000 0.0000 A 10.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968165 6.4900 206000.0000 100.0000 6.4900 205,437.19 ZZ 5.9900 1300.71 1 13.4900 1300.71 100 INVER GROVE HEI MN 55076 12.9900 03/05/04 5000090644 6.4900 04/01/04 23 5000090644 5.9900 03/01/34 0.0000 0 6.9900 03/01/06 03/01/06 T38/T38 6.4900 04/01/06 04/01/06 45 6.4900 0.0000 0.0000 A 9.4900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968175 6.9500 306000.0000 100.0000 6.9500 305,491.89 ZZ 6.4500 2025.57 1 13.9500 2025.57 90 MUNDELEIN IL 60060 13.4500 03/29/04 5000090870 6.9500 05/01/04 23 5000090870 6.4500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9500 0.0000 0.0000 A 9.9500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968191 7.1500 142200.0000 100.0000 7.1500 141,973.02 ZZ 6.6500 960.43 1 14.1500 960.43 90 ELGIN IL 60123 13.6500 03/08/04 5000090834 7.1500 05/01/04 23 5000090834 6.6500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.1500 0.0000 0.0000 A 10.1500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968193 7.0000 219600.0000 100.0000 7.0000 219,238.93 ZZ 6.5000 1461.01 1 14.0000 1461.01 90 PLAIN CITY OH 43064 13.5000 03/18/04 5000090845 7.0000 05/01/04 23 5000090845 6.5000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.0000 0.0000 0.0000 A 10.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968197 6.0000 221310.0000 100.0000 6.0000 220,868.13 ZZ 5.5000 1326.87 2 13.0000 1326.87 90 SOUTH ST PAUL MN 55075 12.5000 03/12/04 5000090687 6.0000 05/01/04 23 5000090687 5.5000 04/01/34 0.0000 0 6.9500 04/01/06 04/01/06 T38/T38 6.4500 05/01/06 05/01/06 45 6.0000 0.0000 0.0000 A 9.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8968205 6.0000 215910.0000 100.0000 6.0000 215,478.53 ZZ 5.5000 1294.49 2 13.0000 1294.49 90 SOUTH ST PAUL MN 55075 12.5000 03/12/04 5000090709 6.0000 05/01/04 23 5000090709 5.5000 04/01/34 0.0000 0 6.9500 04/01/06 04/01/06 T38/T38 6.4500 05/01/06 05/01/06 45 6.0000 0.0000 0.0000 A 9.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8968211 7.4900 206000.0000 100.0000 7.4900 205,692.65 ZZ 6.9900 1438.98 1 14.4900 1438.98 100 CLINTON MD 20735 13.9900 03/05/04 5000090847 7.4900 05/01/04 23 5000090847 6.9900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.4900 0.0000 0.0000 A 10.4900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968243 8.1000 243000.0000 100.0000 8.1000 242,679.38 ZZ 7.6000 1800.02 2 15.1000 1800.02 90 HASTING MN 55033 14.6000 03/05/04 5000090611 8.1000 05/01/04 23 5000090611 7.6000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 8.1000 0.0000 0.0000 A 11.1000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968249 7.5000 147250.0000 100.0000 7.5000 147,030.74 ZZ 7.0000 1029.60 1 14.5000 1029.60 95 CHICAGO IL 60652 14.0000 03/12/04 5000090762 7.5000 05/01/04 23 5000090762 7.0000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.5000 0.0000 0.0000 A 10.5000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8968267 7.2500 133000.0000 100.0000 7.2500 132,724.62 ZZ 6.7500 907.30 1 14.2500 907.30 100 ALTOONA IA 50009 13.7500 03/19/04 5000090612 7.2500 05/01/04 23 5000090612 6.7500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2500 0.0000 0.0000 A 10.2500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968271 6.8500 90900.0000 100.0000 6.8500 90,746.05 ZZ 6.3500 595.64 2 13.8500 595.64 90 CHICAGO IL 60609 13.3500 03/08/04 5000087551 6.8500 05/01/04 23 5000087551 6.3500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.8500 0.0000 0.0000 A 9.8500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8968359 8.0500 75900.0000 100.0000 8.0500 75,798.82 ZZ 7.5500 559.58 1 15.0500 559.58 100 NORTH VERNON IN 47265 14.5500 03/29/04 1000159848 8.0500 05/01/04 23 1000159848 7.5500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 8.0500 0.0000 0.0000 A 11.0500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968365 6.9900 180000.0000 100.0000 6.9900 179,703.46 ZZ 6.4900 1196.34 1 13.9900 1196.34 100 CHICAGO IL 60629 13.4900 03/26/04 5000091330 6.9900 05/01/04 23 5000091330 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968419 8.3750 137750.0000 100.0000 8.3750 137,578.16 ZZ 8.0000 1047.00 1 14.3750 1047.00 95 AIKEN SC 29803 14.0000 04/15/04 0437833221 0.0000 05/15/04 23 2200001823 0.0000 04/15/34 0.0000 0 8.1250 04/15/06 04/15/06 N74/U57 7.7500 05/15/06 05/15/06 25 8.1250 0.0000 0.0000 A 11.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968575 6.9900 293000.0000 100.0000 6.9900 292,517.31 ZZ 6.4900 1947.37 1 13.9900 1947.37 94 STATEN ISLAND NY 10304 13.4900 03/26/04 5000091461 6.9900 05/01/04 23 5000091461 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968583 6.6000 270750.0000 100.0000 6.6000 270,268.59 ZZ 6.1000 1729.17 1 13.6000 1729.17 95 GRAND RAPIDS MI 49504 13.1000 03/17/04 5000091641 6.6000 05/01/04 23 5000091641 6.1000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.6000 0.0000 0.0000 A 9.6000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8968593 7.3750 276850.0000 100.0000 7.3750 276,427.37 ZZ 6.8750 1912.14 1 13.3750 1912.14 95 MIRAMAR FL 33027 12.8750 03/29/04 0437803562 7.3750 05/01/04 23 2111102779 6.8750 04/01/34 0.0000 0 7.2500 04/01/06 04/01/06 Q64/U57 6.7500 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968597 7.8750 72200.0000 100.0000 7.8750 72,100.28 ZZ 7.3750 523.51 1 13.8750 523.51 95 NEW BRAUNFELS TX 78130 13.3750 03/30/04 0437807050 0.0000 05/01/04 23 2103100285 0.0000 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 Q64/U57 7.2500 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968643 7.7500 105000.0000 100.0000 7.7500 104,851.29 ZZ 7.2500 752.24 1 13.7500 752.24 100 HIALEAH FL 33016 13.2500 03/30/04 0437806565 7.7500 05/01/04 23 2111103243 7.2500 04/01/34 0.0000 0 7.6250 04/01/06 04/01/06 Q64/U57 7.1250 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8968645 6.7500 154000.0000 100.0000 6.7500 153,732.90 ZZ 6.2500 998.85 1 13.7500 998.85 100 PORT ORANGE FL 32127 13.2500 03/26/04 5000091930 6.7500 05/01/04 23 5000091930 6.2500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.7500 0.0000 0.0000 A 9.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968665 6.9900 81000.0000 100.0000 6.9900 80,854.84 ZZ 6.4900 538.36 1 13.9900 538.36 90 VAN DYNE WI 54979 13.4900 03/12/04 5000091967 6.9900 05/01/04 23 5000091967 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968693 7.7500 141000.0000 100.0000 7.7500 140,800.30 ZZ 7.2500 1010.15 1 13.7500 1010.15 100 FLORISSANT MO 63033 13.2500 03/25/04 0437803190 7.7500 05/01/04 23 2102104203 7.2500 04/01/34 0.0000 0 7.6250 04/01/06 04/01/06 Q64/U57 7.1250 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968699 7.2500 144000.0000 100.0000 7.2500 143,774.64 ZZ 6.7500 982.34 1 13.2500 982.34 100 STONE MOUNTAIN GA 30087 12.7500 03/25/04 0437803216 7.2500 05/01/04 23 2117103614 6.7500 04/01/34 0.0000 0 7.1250 04/01/06 04/01/06 Q64/U57 6.6250 05/01/06 05/01/06 25 7.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968711 6.9000 305000.0000 100.0000 6.9000 304,488.55 ZZ 6.4000 2008.74 1 13.9000 2008.74 100 CHICAGO IL 60641 13.4000 03/16/04 5000091048 6.9000 05/01/04 23 5000091048 6.4000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9000 0.0000 0.0000 A 9.9000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968725 7.3500 135000.0000 100.0000 7.3500 134,792.88 ZZ 6.8500 930.12 1 14.3500 930.12 100 CHICAGO IL 60629 13.8500 03/11/04 5000091098 7.3500 05/01/04 23 5000091098 6.8500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.3500 0.0000 0.0000 A 10.3500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968731 7.6250 114900.0000 100.0000 7.6250 114,733.14 ZZ 7.1250 813.26 1 13.6250 813.26 100 NORFOLK VA 23502 13.1250 03/31/04 0437798069 7.6250 05/01/04 23 2113103519 7.1250 04/01/34 0.0000 0 7.5000 04/01/07 04/01/07 Q64/U57 7.0000 05/01/07 05/01/07 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968739 6.3750 60700.0000 100.0000 6.3750 60,587.26 ZZ 5.8750 378.69 1 12.3750 378.69 80 PHENIX CITY AL 36870 11.8750 03/31/04 0437806672 6.3750 05/01/04 00 2102104250 5.8750 04/01/34 0.0000 0 6.2500 04/01/06 04/01/06 Q64/U57 5.7500 05/01/06 05/01/06 25 6.3750 0.0000 0.0000 A 9.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968741 7.9000 218000.0000 100.0000 7.9000 217,700.47 ZZ 7.4000 1584.44 1 14.9000 1584.44 100 GOLDEN VALLEY MN 55427 14.4000 03/17/04 5000092074 7.9000 05/01/04 23 5000092074 7.4000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.9000 0.0000 0.0000 A 10.9000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8968743 7.7500 117900.0000 100.0000 7.7500 117,733.02 ZZ 7.2500 844.66 1 13.7500 844.66 95 ATLANTA GA 30349 13.2500 03/12/04 0437798093 7.7500 05/01/04 23 2103100212 7.2500 04/01/34 0.0000 0 7.6250 04/01/07 04/01/07 Q64/U57 7.1250 05/01/07 05/01/07 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8968757 7.6250 192600.0000 100.0000 7.6250 192,320.30 ZZ 7.1250 1363.22 1 13.6250 1363.22 90 FORT MILL SC 29715 13.1250 03/23/04 0437806995 7.6250 05/01/04 23 2230003942 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 Q64/U57 7.0000 05/01/06 05/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968759 8.5000 100000.0000 100.0000 8.5000 99,878.39 ZZ 8.0000 768.92 1 15.5000 768.92 100 JOLIET IL 60433 15.0000 03/12/04 5000091503 8.5000 05/01/04 23 5000091503 8.0000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 8.5000 0.0000 0.0000 A 11.5000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968763 7.8750 225000.0000 100.0000 7.8750 224,689.29 ZZ 7.3750 1631.41 1 13.8750 1631.41 90 WAYNESVILLE NC 28786 13.3750 03/25/04 0437812035 7.8750 05/01/04 23 2113103366 7.3750 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 Q64/U57 7.2500 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968773 7.8750 176700.0000 100.0000 7.8750 176,455.99 ZZ 7.3750 1281.20 1 13.8750 1281.20 95 COLLEGE PARK MD 20740 13.3750 03/30/04 0437798119 7.8750 05/01/04 23 2113103110 7.3750 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 Q64/U57 7.2500 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968775 7.2000 180000.0000 100.0000 7.2000 179,715.51 ZZ 6.7000 1221.82 1 14.2000 1221.82 90 DENVER CO 80221 13.7000 03/19/04 5000092329 7.2000 05/01/04 23 5000092329 6.7000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2000 0.0000 0.0000 A 10.2000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968777 7.3750 144050.0000 100.0000 7.3750 143,830.10 ZZ 6.8750 994.92 1 13.3750 994.92 100 NORMAL IL 61761 12.8750 03/16/04 0437807514 7.3750 05/01/04 23 2102103755 6.8750 04/01/34 0.0000 0 7.2500 04/01/06 04/01/06 Q64/U57 6.7500 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968785 7.7500 136800.0000 100.0000 7.7500 136,606.26 ZZ 7.2500 980.06 1 13.7500 980.06 100 MOORE SC 29369 13.2500 03/19/04 0437800808 7.7500 05/01/04 23 2113103268 7.2500 04/01/34 0.0000 0 7.6250 04/01/06 04/01/06 Q64/U57 7.1250 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968787 7.2000 185000.0000 100.0000 7.2000 184,707.61 ZZ 6.7000 1255.76 1 14.2000 1255.76 100 LAKE VILLA IL 60046 13.7000 03/30/04 5000092338 7.2000 05/01/04 23 5000092338 6.7000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2000 0.0000 0.0000 A 10.2000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968793 7.6250 138600.0000 100.0000 7.6250 138,398.72 ZZ 7.1250 981.01 1 13.6250 981.01 95 BRANDON MS 39042 13.1250 03/29/04 0437799398 7.6250 05/01/04 23 2105104809 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 Q64/U57 7.0000 05/01/06 05/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968801 7.7500 330900.0000 100.0000 7.7500 330,431.39 ZZ 7.2500 2370.61 1 13.7500 2370.61 100 ATLANTA GA 30349 13.2500 03/30/04 0437797160 7.7500 05/01/04 23 2102104418 7.2500 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 Q64/U57 7.0000 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8968843 6.6250 222000.0000 100.0000 6.6250 221,607.16 ZZ 6.1250 1421.50 1 12.6250 1421.50 95 GOOSE CREEK SC 29445 12.1250 03/30/04 0437807555 6.6250 05/01/04 23 2102104363 6.1250 04/01/34 0.0000 0 6.5000 04/01/06 04/01/06 Q64/U57 6.0000 05/01/06 05/01/06 25 6.6250 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8968849 6.6500 85500.0000 100.0000 6.6500 85,349.45 ZZ 6.1500 548.88 1 13.6500 548.88 95 ORLANDO FL 32835 13.1500 03/17/04 5000092051 6.6500 05/01/04 23 5000092051 6.1500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.6500 0.0000 0.0000 A 9.6500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968851 8.6250 97350.0000 100.0000 8.6250 97,234.63 ZZ 8.1250 757.18 1 14.6250 757.18 95 GOOSE CREEK SC 29445 14.1250 03/25/04 0437811771 8.6250 05/01/04 23 2121101095 8.1250 04/01/34 0.0000 0 8.5000 04/01/06 04/01/06 Q64/U57 8.0000 05/01/06 05/01/06 25 8.6250 0.0000 0.0000 A 11.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968855 6.7000 221000.0000 100.0000 6.7000 220,614.62 ZZ 6.2000 1426.07 1 13.7000 1426.07 100 GLENDALE HEIGHT IL 60139 13.2000 03/19/04 5000092376 6.7000 05/01/04 23 5000092376 6.2000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.7000 0.0000 0.0000 A 9.7000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968859 7.5000 135900.0000 100.0000 7.5000 135,697.64 ZZ 7.0000 950.24 1 13.5000 950.24 100 PORT ORANGE FL 32129 13.0000 03/29/04 0437811896 7.5000 05/01/04 23 2109103797 7.0000 04/01/34 0.0000 0 7.3750 04/01/07 04/01/07 Q64/U57 6.8750 05/01/07 05/01/07 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968871 6.9000 200000.0000 100.0000 6.9000 199,664.62 ZZ 6.4000 1317.21 1 13.9000 1317.21 100 PRINCETON MN 55371 13.4000 03/18/04 5000092125 6.9000 05/01/04 23 5000092125 6.4000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9000 0.0000 0.0000 A 9.9000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968881 8.6250 70750.0000 100.0000 8.6250 70,666.16 ZZ 8.1250 550.29 1 14.6250 550.29 95 MEMPHIS TN 38115 14.1250 03/24/04 0437803703 8.6250 05/01/04 23 2114100927 8.1250 04/01/34 0.0000 0 8.5000 04/01/06 04/01/06 Q64/U57 8.0000 05/01/06 05/01/06 25 8.6250 0.0000 0.0000 A 11.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968883 5.9000 310000.0000 100.0000 5.9000 309,369.33 ZZ 5.4000 1838.73 1 12.9000 1838.73 100 MUKWONAGO WI 53149 12.4000 03/23/04 5000092159 5.9000 05/01/04 23 5000092159 5.4000 04/01/34 0.0000 0 6.8500 04/01/06 04/01/06 T38/T38 6.3500 05/01/06 05/01/06 45 5.9000 0.0000 0.0000 A 8.9000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968889 8.4000 370500.0000 100.0000 8.4000 370,040.18 ZZ 7.9000 2822.61 2 15.4000 2822.61 95 CHICAGO IL 60639 14.9000 03/30/04 5000092485 8.4000 05/01/04 23 5000092485 7.9000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 8.4000 0.0000 0.0000 A 11.4000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968893 7.0500 119583.0000 100.0000 7.0500 119,388.31 ZZ 6.5500 799.61 1 14.0500 799.61 90 CHICAGO IL 60605 13.5500 03/25/04 5000092521 7.0500 05/01/04 23 5000092521 6.5500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.0500 0.0000 0.0000 A 10.0500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 06 00 O 0.0000 8968899 6.0400 297000.0000 100.0000 6.0400 295,628.46 ZZ 5.5400 1788.32 2 13.0400 1788.32 90 SAINT PAUL MN 55107 12.5400 03/25/04 5000092516 6.0400 05/01/04 23 5000092516 5.5400 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.0400 0.0000 0.0000 A 9.0400 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968923 7.6400 108000.0000 100.0000 7.6400 107,843.62 ZZ 7.1400 765.54 1 14.6400 765.54 100 MINNEAPOLIS MN 55444 14.1400 03/29/04 5000092419 7.6400 05/01/04 23 5000092419 7.1400 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.6400 0.0000 0.0000 A 10.6400 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8968933 7.5000 135000.0000 100.0000 7.5000 134,697.54 ZZ 7.0000 943.94 1 13.5000 943.94 100 MACON GA 31216 13.0000 02/19/04 0437807449 7.5000 04/01/04 23 2101104061 7.0000 03/01/34 0.0000 0 7.3750 03/01/06 03/01/06 Q64/U57 6.8750 04/01/06 04/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968939 7.7500 102000.0000 100.0000 7.7500 101,782.50 ZZ 7.2500 730.75 1 13.7500 730.75 100 MARIETTA GA 30060 13.2500 02/23/04 0437807241 7.7500 04/01/04 23 2102103479 7.2500 03/01/34 0.0000 0 7.6250 03/01/06 03/01/06 Q64/U57 7.1250 04/01/06 04/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 07 00 O 0.0000 8968947 7.4900 164000.0000 100.0000 7.4900 163,755.32 ZZ 6.9900 1145.59 1 14.4900 1145.59 100 MINNEAPOLIS MN 55417 13.9900 03/15/04 5000092274 7.4900 05/01/04 23 5000092274 6.9900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.4900 0.0000 0.0000 A 10.4900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968965 7.9000 102000.0000 100.0000 7.9000 101,859.84 ZZ 7.4000 741.35 1 14.9000 741.35 100 SAUK VILLAGE IL 60411 14.4000 03/26/04 5000092304 7.9000 05/01/04 23 5000092304 7.4000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.9000 0.0000 0.0000 A 10.9000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8968969 6.4500 138300.0000 100.0000 6.4500 138,046.82 ZZ 5.9500 869.61 1 13.4500 869.61 100 TEXAS CITY TX 77591 12.9500 03/26/04 5000092697 6.4500 05/01/04 23 5000092697 5.9500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.4500 0.0000 0.0000 A 9.4500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968985 7.6250 180500.0000 100.0000 7.6250 180,237.89 ZZ 7.1250 1277.57 1 13.6250 1277.57 95 WINTER SPRINGS FL 32708 13.1250 03/24/04 0437799596 7.6250 05/01/04 23 2109104216 7.1250 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 Q64/U57 6.8750 05/01/06 05/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8968987 7.2500 222500.0000 100.0000 7.2500 222,151.79 ZZ 6.7500 1517.85 1 14.2500 1517.85 100 MIDDLETOWN NY 10940 13.7500 03/30/04 5000092710 7.2500 05/01/04 23 5000092710 6.7500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2500 0.0000 0.0000 A 10.2500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968989 7.8750 84000.0000 100.0000 7.8750 83,884.00 ZZ 7.3750 609.06 1 13.8750 609.06 100 ATOKA TN 38004 13.3750 03/24/04 0437797376 7.8750 05/01/04 23 2114100853 7.3750 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 Q64/U57 7.2500 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8968993 7.8750 161500.0000 100.0000 7.8750 161,276.97 ZZ 7.3750 1170.99 1 13.8750 1170.99 95 BIRMINGHAM AL 35215 13.3750 03/26/04 0437797772 7.8750 05/01/04 23 2101105277 7.3750 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 Q64/U57 7.2500 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969009 6.8000 99000.0000 100.0000 6.8000 98,830.70 ZZ 6.3000 645.41 1 13.8000 645.41 90 ENNIS TX 75119 13.3000 03/31/04 5000092573 6.8000 05/01/04 23 5000092573 6.3000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.8000 0.0000 0.0000 A 9.8000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969013 7.7000 197000.0000 100.0000 7.7000 196,718.18 ZZ 7.2000 1404.54 1 14.7000 1404.54 100 MUKWONAGO WI 53149 14.2000 03/26/04 5000092582 7.7000 05/01/04 23 5000092582 7.2000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.7000 0.0000 0.0000 A 10.7000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969083 6.9900 185000.0000 100.0000 6.9900 184,695.23 ZZ 6.4900 1229.57 2 13.9900 1229.57 100 CHICAGO IL 60636 13.4900 03/30/04 5000092844 6.9900 05/01/04 23 5000092844 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969089 7.6250 95500.0000 100.0000 7.6250 95,430.87 ZZ 7.1250 675.95 1 13.6250 675.95 100 ASHLAND OH 44805 13.1250 04/08/04 0437803158 7.6250 06/01/04 23 2115106615 7.1250 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 Q64/U57 7.0000 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969097 8.1250 84600.0000 100.0000 8.1250 84,544.65 ZZ 7.6250 628.16 1 14.1250 628.16 90 PALM BAY FL 32909 13.6250 04/02/04 0437799281 8.1250 06/01/04 23 2111103269 7.6250 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 Q64/U57 7.5000 06/01/06 06/01/06 25 8.1250 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969105 8.3750 99750.0000 100.0000 8.3750 99,625.56 ZZ 7.8750 758.17 1 14.3750 758.17 95 HOUSTON TX 77039 13.8750 04/01/04 0437804040 0.0000 05/01/04 23 2103100150 0.0000 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 Q64/U57 7.7500 05/01/06 05/01/06 25 8.3750 0.0000 0.0000 A 11.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969121 8.2500 142000.0000 100.0000 8.2500 141,672.77 ZZ 7.7500 1066.80 1 14.2500 1066.80 95 SNELLVILLE GA 30039 13.7500 03/05/04 0437797137 8.2500 04/01/04 23 2101104820 7.7500 03/01/34 0.0000 0 8.1250 03/01/06 03/01/06 Q64/U57 7.6250 04/01/06 04/01/06 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969127 6.9900 211500.0000 100.0000 6.9900 211,151.57 ZZ 6.4900 1405.70 1 13.9900 1405.70 90 HASKELL NJ 07420 13.4900 03/26/04 5000093179 6.9900 05/01/04 23 5000093179 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969147 7.0000 143910.0000 100.0000 7.0000 143,673.39 ZZ 6.5000 957.44 1 14.0000 957.44 90 FT PIERCE FL 34951 13.5000 03/02/04 6000000415 7.0000 05/01/04 23 6000000415 6.5000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.0000 0.0000 0.0000 A 10.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8969151 7.5000 103550.0000 100.0000 7.5000 103,395.82 ZZ 7.0000 724.04 1 13.5000 724.04 95 SPRINGVILLE AL 35146 13.0000 03/31/04 0437802275 7.5000 05/01/04 23 2101105271 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 Q64/U57 6.8750 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969167 7.6250 161400.0000 100.0000 7.6250 161,165.62 ZZ 7.1250 1142.38 1 13.6250 1142.38 95 LAWRENCEVILLE GA 30045 13.1250 03/31/04 0437802804 7.6250 05/01/04 23 2101105149 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 Q64/U57 7.0000 05/01/06 05/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969209 8.1250 99750.0000 100.0000 8.1250 99,684.74 ZZ 7.6250 740.65 1 14.1250 740.65 95 HENDERSONVILLE NC 28792 13.6250 04/08/04 0437807548 8.1250 06/01/04 23 2113103621 7.6250 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 Q64/U57 7.5000 06/01/06 06/01/06 25 8.1250 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969223 6.2500 170000.0000 100.0000 6.2500 169,676.56 ZZ 5.7500 1046.72 1 12.2500 1046.72 90 STONE MOUNTAIN GA 30087 11.7500 03/31/04 0437802937 6.2500 05/01/04 23 2102104278 5.7500 04/01/34 0.0000 0 6.1250 04/01/06 04/01/06 Q64/U57 5.6250 05/01/06 05/01/06 25 6.2500 0.0000 0.0000 A 9.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969229 7.8400 220000.0000 100.0000 7.8400 219,694.03 ZZ 7.3400 1589.82 2 14.8400 1589.82 100 CHICAGO IL 60644 14.3400 03/03/04 5000089914 7.8400 05/01/04 23 5000089914 7.3400 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.8400 0.0000 0.0000 A 10.8400 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969233 7.8750 59000.0000 100.0000 7.8750 58,959.39 ZZ 7.3750 427.80 1 13.8750 427.80 100 PORTSMOUTH VA 23707 13.3750 04/08/04 0437807266 7.8750 06/01/04 23 2113103464 7.3750 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 Q64/U57 7.2500 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969243 7.7500 65450.0000 100.0000 7.7500 65,357.30 ZZ 7.2500 468.90 1 13.7500 468.90 95 ALTAMONTE SPRIN FL 32714 13.2500 04/02/04 0437807159 7.7500 05/01/04 23 2109104338 7.2500 04/01/34 0.0000 0 7.6250 04/01/07 04/01/07 Q64/U57 7.1250 05/01/07 05/01/07 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8969245 6.2500 180000.0000 100.0000 6.2500 179,657.51 ZZ 5.7500 1108.30 1 13.2500 1108.30 100 AURORA CO 80011 12.7500 03/31/04 1000163283 6.2500 05/01/04 23 1000163283 5.7500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.2500 0.0000 0.0000 A 9.2500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969251 7.6250 99940.0000 100.0000 7.6250 99,867.67 ZZ 7.1250 707.37 1 13.6250 707.37 95 NORTH WILKESBOR NC 28659 13.1250 04/05/04 0437807084 7.6250 06/01/04 23 2240000305 7.1250 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 Q64/U57 7.0000 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969341 8.3750 71250.0000 100.0000 8.3750 71,205.71 ZZ 7.8750 541.56 1 14.3750 541.56 95 TERRE HAUTE IN 47802 13.8750 04/07/04 0437812910 8.3750 06/01/04 23 2103100416 7.8750 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 Q64/U57 7.7500 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 11.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8969343 6.2500 275000.0000 100.0000 6.2500 274,476.76 ZZ 5.7500 1693.23 1 13.2500 1693.23 100 PICO RIVERA CA 90660 12.7500 03/25/04 1000163514 6.2500 05/01/04 23 1000163514 5.7500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.2500 0.0000 0.0000 A 9.2500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969355 8.3500 94000.0000 100.0000 8.3500 93,882.13 ZZ 7.8500 712.81 1 15.3500 712.81 100 LEES SUMMIT MO 64063 14.8500 03/03/04 5000090020 8.3500 05/01/04 23 5000090020 7.8500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 8.3500 0.0000 0.0000 A 11.3500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969365 7.1000 192600.0000 100.0000 7.1000 192,289.50 ZZ 6.6000 1294.34 1 14.1000 1294.34 100 MIDLOTHIAN VA 23113 13.6000 03/05/04 5000090027 7.1000 05/01/04 23 5000090027 6.6000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.1000 0.0000 0.0000 A 10.1000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969369 7.8000 121500.0000 100.0000 7.8000 121,329.65 ZZ 7.3000 874.65 1 14.8000 874.65 90 DALLAS TX 75227 14.3000 03/02/04 5000090060 7.8000 05/01/04 23 5000090060 7.3000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.8000 0.0000 0.0000 A 10.8000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8969371 7.2500 87000.0000 100.0000 7.2500 86,863.34 ZZ 6.7500 593.50 1 14.2500 593.50 100 DETROIT MI 48228 13.7500 02/26/04 5000090216 7.2500 05/01/04 23 5000090216 6.7500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2500 0.0000 0.0000 A 10.2500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969375 6.9900 330000.0000 100.0000 6.9900 329,456.34 ZZ 6.4900 2193.29 2 13.9900 2193.29 100 BROOKLYN NY 11201 13.4900 03/08/04 5000090223 6.9900 05/01/04 23 5000090223 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969381 7.0000 150000.0000 100.0000 7.0000 149,753.36 ZZ 6.5000 997.96 1 14.0000 997.96 100 OTISCO MN 56093 13.5000 03/08/04 5000090227 7.0000 05/01/04 23 5000090227 6.5000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.0000 0.0000 0.0000 A 10.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969383 6.8750 142250.0000 100.0000 6.8750 142,010.28 ZZ 6.3750 934.49 1 12.8750 934.49 95 RICHMOND KY 40475 12.3750 03/31/04 0437803208 6.8750 05/01/04 23 2102104428 6.3750 04/01/34 0.0000 0 6.7500 04/01/06 04/01/06 Q64/U57 6.2500 05/01/06 05/01/06 25 6.8750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969387 7.4500 110000.0000 100.0000 7.4500 109,834.56 ZZ 6.9500 765.38 1 14.4500 765.38 100 SPRINGFIELD MA 01108 13.9500 03/26/04 5000090201 7.4500 05/01/04 23 5000090201 6.9500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.4500 0.0000 0.0000 A 10.4500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969389 7.3750 108050.0000 100.0000 7.3750 107,967.78 ZZ 6.8750 746.28 1 13.3750 746.28 95 WEST PALM BEACH FL 33411 12.8750 04/07/04 0437807365 7.3750 06/01/04 23 2111103213 6.8750 05/01/34 0.0000 0 7.1250 05/01/06 05/01/06 Q64/U57 6.6250 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8969393 7.9900 97000.0000 100.0000 7.9900 96,934.78 ZZ 7.4900 711.08 1 13.9900 711.08 100 TAYLORSVILLE UT 84118 13.4900 04/22/04 0437783103 0.0000 06/01/04 23 0000109297 0.0000 05/01/34 0.0000 0 8.5000 05/01/07 05/01/07 W05/U57 8.0000 06/01/07 06/01/07 25 8.5000 0.0000 0.0000 A 10.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969395 7.5000 132000.0000 100.0000 7.5000 131,902.03 ZZ 7.0000 922.97 1 13.5000 922.97 100 DURHAM NC 27703 13.0000 04/07/04 0437806615 7.5000 06/01/04 23 2103100374 7.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 Q64/U57 6.8750 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8969405 9.4900 75000.0000 100.0000 9.4900 74,925.76 ZZ 8.9900 630.10 1 16.4900 630.10 100 POUGHKEEPSIE NY 12603 15.9900 03/05/04 6000087168 9.4900 05/01/04 23 6000087168 8.9900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 9.4900 0.0000 0.0000 A 12.4900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8969421 7.3500 99352.0000 100.0000 7.3500 99,199.58 ZZ 6.8500 684.51 1 14.3500 684.51 90 HOMESTEAD FL 33032 13.8500 03/23/04 6000088309 7.3500 05/01/04 23 6000088309 6.8500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.3500 0.0000 0.0000 A 10.3500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8969437 7.3750 104700.0000 100.0000 7.3750 104,620.33 ZZ 6.8750 723.14 1 13.3750 723.14 95 GULF SHORES AL 36542 12.8750 04/07/04 0437802325 7.3750 06/01/04 23 2117103878 6.8750 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 Q64/U57 6.7500 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969519 7.4500 247500.0000 100.0000 7.4500 246,939.92 ZZ 6.9500 1722.10 3 14.4500 1722.10 90 PROVIDENCE RI 02904 13.9500 03/03/04 6000088459 7.4500 04/01/04 23 6000088459 6.9500 03/01/34 0.0000 0 6.9900 03/01/06 03/01/06 T38/T38 6.4900 04/01/06 04/01/06 45 7.4500 0.0000 0.0000 A 10.4500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8969679 8.1250 87400.0000 100.0000 8.1250 87,285.25 ZZ 7.6250 648.95 1 14.1250 648.95 95 JONESBORO GA 30236 13.6250 04/01/04 0437797715 8.1250 05/01/04 23 2101104948 7.6250 04/01/34 0.0000 0 8.0000 04/01/06 04/01/06 Q64/U57 7.5000 05/01/06 05/01/06 25 8.1250 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969799 7.1250 152000.0000 100.0000 7.1250 151,756.16 ZZ 6.6250 1024.06 1 13.1250 1024.06 95 ALTAMONTE SPRIN FL 32714 12.6250 04/02/04 0437802812 7.1250 05/01/04 23 2109104411 6.6250 04/01/34 0.0000 0 7.0000 04/01/06 04/01/06 Q64/U57 6.5000 05/01/06 05/01/06 25 7.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969959 6.4000 225900.0000 100.0000 6.4000 225,482.45 ZZ 5.9000 1413.02 1 13.4000 1413.02 90 FAR ROCKAWAY NY 11692 12.9000 03/01/04 6000088610 6.4000 05/01/04 23 6000088610 5.9000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.4000 0.0000 0.0000 A 9.4000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969971 7.3750 205675.0000 100.0000 7.3750 205,518.49 ZZ 6.8750 1420.55 1 13.3750 1420.55 95 HOMEWOOD AL 35209 12.8750 04/08/04 0437809460 7.3750 06/01/04 23 2103100322 6.8750 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 Q64/U57 6.7500 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969977 7.7500 95950.0000 100.0000 7.7500 95,814.12 ZZ 7.2500 687.40 1 13.7500 687.40 95 LITHONIA GA 30058 13.2500 04/02/04 0437806763 7.7500 05/01/04 23 2117103667 7.2500 04/01/34 0.0000 0 7.6250 04/01/06 04/01/06 Q64/U57 7.1250 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 09 00 O 0.0000 8969981 7.1250 211850.0000 100.0000 7.1250 211,680.58 ZZ 6.6250 1427.28 1 13.1250 1427.28 95 LAND O LAKES FL 34639 12.6250 04/08/04 0437799216 7.1250 06/01/04 23 2109104236 6.6250 05/01/34 0.0000 0 7.0000 05/01/06 05/01/06 Q64/U57 6.5000 06/01/06 06/01/06 25 7.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8969985 7.6250 168600.0000 100.0000 7.6250 168,355.15 ZZ 7.1250 1193.35 1 13.6250 1193.35 95 WOODSTOCK GA 30188 13.1250 04/05/04 0437803653 7.6250 05/01/04 23 2101105120 7.1250 04/01/34 0.0000 0 7.5000 04/01/07 04/01/07 Q64/U57 7.0000 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0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8970163 7.5000 70000.0000 100.0000 7.5000 69,895.76 ZZ 7.0000 489.46 1 14.5000 489.46 100 WILLIAMSBURG VA 23185 14.0000 03/08/04 1000158699 7.5000 05/01/04 23 1000158699 7.0000 04/01/34 0.0000 0 6.9900 04/01/07 04/01/07 T38/T38 6.4900 05/01/07 05/01/07 45 7.5000 0.0000 0.0000 A 10.5000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 07 00 O 0.0000 8970169 7.2500 180900.0000 100.0000 7.2500 180,616.90 ZZ 6.7500 1234.06 1 14.2500 1234.06 100 REDDING CA 96003 13.7500 03/01/04 1000158706 7.2500 05/01/04 23 1000158706 6.7500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2500 0.0000 0.0000 A 10.2500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970173 7.7500 224100.0000 100.0000 7.7500 223,782.64 ZZ 7.2500 1605.48 1 13.7500 1605.48 90 PORT ST LUCIE FL 34952 13.2500 03/31/04 0437802234 7.7500 05/01/04 23 2111103128 7.2500 04/01/34 0.0000 0 7.6250 04/01/07 04/01/07 Q64/U57 7.1250 05/01/07 05/01/07 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8970185 7.7500 78900.0000 100.0000 7.7500 78,788.26 ZZ 7.2500 565.25 1 13.7500 565.25 100 COLUMBUS GA 31901 13.2500 03/31/04 0437809486 7.7500 05/01/04 23 2102104416 7.2500 04/01/34 0.0000 0 7.6250 04/01/06 04/01/06 Q64/U57 7.1250 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970205 6.7500 299250.0000 100.0000 6.7500 298,733.25 ZZ 6.2500 1940.93 1 13.7500 1940.93 95 RANCHO CUCAMONG CA 91730 13.2500 03/04/04 1000158731 6.7500 05/01/04 23 1000158731 6.2500 04/01/34 0.0000 0 6.9900 04/01/07 04/01/07 T38/T38 6.4900 05/01/07 05/01/07 45 6.7500 0.0000 0.0000 A 9.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8970207 7.8750 128700.0000 100.0000 7.8750 128,432.52 ZZ 7.3750 933.17 1 13.8750 933.17 90 CARTERSVILLE GA 30120 13.3750 02/13/04 0437806839 7.8750 04/01/04 23 2102103545 7.3750 03/01/34 0.0000 0 7.7500 03/01/06 03/01/06 Q64/U57 7.2500 04/01/06 04/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8970221 7.5000 185000.0000 100.0000 7.5000 184,724.54 ZZ 7.0000 1293.55 1 13.5000 1293.55 100 BOYNTON BEACH FL 33426 13.0000 04/02/04 0437807530 7.5000 05/01/04 23 2111102477 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 Q64/U57 6.8750 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8970223 6.1500 396000.0000 100.0000 6.1500 395,231.94 ZZ 5.6500 2412.55 2 13.1500 2412.55 90 BROOKLYN NY 11212 12.6500 03/05/04 1000158685 6.1500 05/01/04 23 1000158685 5.6500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.1500 0.0000 0.0000 A 9.1500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970237 7.1250 275500.0000 100.0000 7.1250 275,058.05 ZZ 6.6250 1856.10 1 13.1250 1856.10 95 SPRING TX 77379 12.6250 03/31/04 0437802143 7.1250 05/01/04 23 2117103788 6.6250 04/01/34 0.0000 0 7.0000 04/01/06 04/01/06 Q64/U57 6.5000 05/01/06 05/01/06 25 7.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970249 7.6250 180250.0000 100.0000 7.6250 179,988.25 ZZ 7.1250 1275.80 1 13.6250 1275.80 100 RIVER FALLS WI 54022 13.1250 04/01/04 0437799497 7.6250 05/01/04 23 2115105393 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 Q64/U57 7.0000 05/01/06 05/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970255 8.5000 128250.0000 100.0000 8.5000 128,094.05 ZZ 8.0000 986.14 1 14.5000 986.14 95 GARLAND TX 75043 14.0000 04/01/04 0437809320 0.0000 05/01/04 23 2117103441 0.0000 04/01/34 0.0000 0 8.3750 04/01/07 04/01/07 Q64/U57 7.8750 05/01/07 05/01/07 25 8.5000 0.0000 0.0000 A 11.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 07 00 O 0.0000 8970263 7.9900 180000.0000 100.0000 7.9900 179,757.13 ZZ 7.4900 1319.53 1 14.9900 1319.53 100 MESA AZ 85206 14.4900 03/03/04 1000158220 7.9900 05/01/04 23 1000158220 7.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.9900 0.0000 0.0000 A 10.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8970289 7.8750 90250.0000 100.0000 7.8750 90,125.37 ZZ 7.3750 654.38 1 13.8750 654.38 95 FORT LAUDERDALE FL 33317 13.3750 04/02/04 0437807167 7.8750 05/01/04 23 2111103231 7.3750 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 Q64/U57 7.2500 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970441 7.8750 58000.0000 100.0000 7.8750 57,919.89 ZZ 7.3750 420.55 1 13.8750 420.55 100 JEFFERSON OH 44047 13.3750 04/02/04 0437807100 7.8750 05/01/04 23 2115106408 7.3750 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 Q64/U57 7.2500 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970449 6.3000 125100.0000 100.0000 6.3000 124,745.46 ZZ 5.8000 774.34 1 13.3000 774.34 90 LOS ANGELES CA 90002 12.8000 02/24/04 1000156389 6.3000 04/01/04 23 1000156389 5.8000 03/01/34 0.0000 0 6.9900 03/01/06 03/01/06 T38/T38 6.4900 04/01/06 04/01/06 45 6.3000 0.0000 0.0000 A 9.3000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8970451 7.1250 116350.0000 100.0000 7.1250 116,163.35 ZZ 6.6250 783.88 1 13.1250 783.88 95 LEXINGTON SC 29072 12.6250 03/22/04 0437800949 7.1250 05/01/04 23 2113103254 6.6250 04/01/34 0.0000 0 7.0000 04/01/06 04/01/06 Q64/U57 6.5000 05/01/06 05/01/06 25 7.1250 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970459 7.5000 190000.0000 100.0000 7.5000 189,717.10 ZZ 7.0000 1328.51 1 14.5000 1328.51 100 NORTH LAS VEGAS NV 89031 14.0000 03/05/04 1000158790 7.5000 05/01/04 23 1000158790 7.0000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.5000 0.0000 0.0000 A 10.5000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8970477 7.3750 145000.0000 100.0000 7.3750 144,889.67 ZZ 7.0000 1001.48 1 13.3750 1001.48 100 MESA AZ 85207 13.0000 04/23/04 0437784945 0.0000 06/01/04 23 1033001447 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 W40/U56 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8970491 7.8750 157350.0000 100.0000 7.8750 157,132.71 ZZ 7.3750 1140.90 1 13.8750 1140.90 95 PEARLAND TX 77584 13.3750 04/02/04 0437804008 0.0000 05/01/04 23 2117103750 0.0000 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 Q64/U57 7.2500 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970515 7.7500 54500.0000 100.0000 7.7500 54,422.81 ZZ 7.2500 390.45 1 13.7500 390.45 100 WOODARD OK 73801 13.2500 03/31/04 0437797178 7.7500 05/01/04 23 2102104093 7.2500 04/01/34 0.0000 0 7.6250 04/01/06 04/01/06 Q64/U57 7.1250 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970521 7.7500 303050.0000 100.0000 7.7500 302,620.84 ZZ 7.2500 2171.09 1 14.7500 2171.09 95 LYNN MA 01902 14.2500 03/31/04 1000154116 7.7500 05/01/04 23 1000154116 7.2500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.7500 0.0000 0.0000 A 10.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970541 7.5000 124000.0000 100.0000 7.5000 123,907.97 ZZ 7.0000 867.03 1 13.5000 867.03 100 JONESBORO GA 30236 13.0000 04/08/04 0437797095 7.5000 06/01/04 23 2101105589 7.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 Q64/U57 6.8750 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970545 7.7500 130650.0000 100.0000 7.7500 130,464.97 ZZ 7.2500 936.00 1 13.7500 936.00 95 ISANTI MN 55040 13.2500 03/22/04 0437806748 7.7500 05/01/04 23 2115106134 7.2500 04/01/34 0.0000 0 7.6250 04/01/06 04/01/06 Q64/U57 7.1250 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970551 7.1250 90000.0000 100.0000 7.1250 89,855.63 ZZ 6.6250 606.35 1 14.1250 606.35 100 BALTIMORE MD 21206 13.6250 03/05/04 1000154694 7.1250 05/01/04 23 1000154694 6.6250 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.1250 0.0000 0.0000 A 10.1250 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8970553 8.7500 56900.0000 100.0000 8.7500 56,834.28 ZZ 8.2500 447.64 1 14.7500 447.64 95 WARREN OH 44484 14.2500 03/31/04 0437803133 8.7500 05/01/04 23 2105104825 8.2500 04/01/34 0.0000 0 8.6250 04/01/06 04/01/06 Q64/U57 8.1250 05/01/06 05/01/06 25 8.7500 0.0000 0.0000 A 11.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8970615 6.9900 130000.0000 100.0000 6.9900 129,735.53 ZZ 6.4900 864.03 1 13.9900 864.03 100 BAKERSFIELD CA 93307 13.4900 03/25/04 1000155090 6.9900 05/01/04 23 1000155090 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8970623 7.4000 152000.0000 100.0000 7.4000 151,769.11 ZZ 6.9000 1052.42 1 14.4000 1052.42 100 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0.0000 03 00 O 0.0000 8973133 6.5000 332535.0000 100.0000 6.5000 331,932.13 ZZ 6.0000 2101.85 1 13.5000 2101.85 100 ABINGDON MD 21009 13.0000 03/30/04 1000162795 6.5000 05/01/04 23 1000162795 6.0000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.5000 0.0000 0.0000 A 9.5000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8973139 7.0000 103000.0000 100.0000 7.0000 102,745.21 ZZ 6.5000 685.27 1 14.0000 685.27 100 MARTINSBURG WV 25401 13.5000 02/26/04 5000087835 7.0000 04/01/04 23 5000087835 6.5000 03/01/34 0.0000 0 6.9900 03/01/06 03/01/06 T38/T38 6.4900 04/01/06 04/01/06 45 7.0000 0.0000 0.0000 A 10.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973141 7.9000 135000.0000 100.0000 7.9000 134,720.85 ZZ 7.4000 981.19 1 14.9000 981.19 100 COUNTRY CLUB HI IL 60478 14.4000 02/25/04 5000087907 7.9000 04/01/04 23 5000087907 7.4000 03/01/34 0.0000 0 6.9900 03/01/06 03/01/06 T38/T38 6.4900 04/01/06 04/01/06 45 7.9000 0.0000 0.0000 A 10.9000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973143 6.8000 235000.0000 100.0000 6.8000 234,598.14 ZZ 6.3000 1532.03 1 13.8000 1532.03 100 LOMBARD IL 60148 13.3000 03/29/04 5000088043 6.8000 05/01/04 23 5000088043 6.3000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.8000 0.0000 0.0000 A 9.8000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 07 00 O 0.0000 8973147 7.9900 83690.0000 100.0000 7.9900 83,540.35 ZZ 7.4900 613.51 1 14.9900 613.51 90 VASSAR MI 48768 14.4900 03/18/04 5000088305 7.9900 05/01/04 23 5000088305 7.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.9900 0.0000 0.0000 A 10.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973153 6.3500 122000.0000 100.0000 6.3500 121,772.30 ZZ 5.8500 759.13 1 13.3500 759.13 100 BUSHKILL PA 18324 12.8500 03/12/04 5000088237 6.3500 05/01/04 23 5000088237 5.8500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.3500 0.0000 0.0000 A 9.3500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973161 5.9900 255600.0000 100.0000 5.9900 254,831.36 ZZ 5.4900 1530.81 2 12.9900 1530.81 90 COLUMBIA HEIGHT MN 55421 12.4900 03/03/04 5000088928 5.9900 04/01/04 23 5000088928 5.4900 03/01/34 0.0000 0 6.9400 03/01/06 03/01/06 T38/T38 6.4400 04/01/06 04/01/06 45 5.9900 0.0000 0.0000 A 8.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8973167 7.4900 113000.0000 100.0000 7.4900 112,831.41 ZZ 6.9900 789.34 1 14.4900 789.34 100 RALEIGH NC 27610 13.9900 03/05/04 5000088930 7.4900 05/01/04 23 5000088930 6.9900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.4900 0.0000 0.0000 A 10.4900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 09 00 O 0.0000 8973183 7.7500 186000.0000 100.0000 7.7500 185,736.59 ZZ 7.2500 1332.53 1 14.7500 1332.53 100 FARMINGTON HILL MI 48331 14.2500 03/15/04 5000089218 7.7500 05/01/04 23 5000089218 7.2500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.7500 0.0000 0.0000 A 10.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8973203 9.0000 61835.0000 100.0000 9.0000 61,758.01 ZZ 8.5000 497.54 1 16.0000 497.54 100 UHRICHSVILLE OH 44683 15.5000 03/31/04 1000162861 9.0000 05/01/04 23 1000162861 8.5000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 9.0000 0.0000 0.0000 A 12.0000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8973211 7.4900 215000.0000 100.0000 7.4900 214,679.24 ZZ 6.9900 1501.84 1 14.4900 1501.84 100 PRINCE FREDERIC MD 20678 13.9900 02/27/04 5000089544 7.4900 05/01/04 23 5000089544 6.9900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.4900 0.0000 0.0000 A 10.4900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973217 6.9000 102000.0000 100.0000 6.9000 101,800.57 ZZ 6.4000 671.78 1 13.9000 671.78 100 HOUSTON TX 77064 13.4000 03/01/04 5000089651 6.9000 05/01/04 23 5000089651 6.4000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9000 0.0000 0.0000 A 9.9000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8973225 7.5000 152000.0000 100.0000 7.5000 151,773.67 ZZ 7.0000 1062.81 1 14.5000 1062.81 100 ORLANDO FL 32803 14.0000 03/26/04 1000163413 7.5000 05/01/04 23 1000163413 7.0000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.5000 0.0000 0.0000 A 10.5000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973227 6.7500 193000.0000 100.0000 6.7500 192,666.72 ZZ 6.2500 1251.80 1 13.7500 1251.80 100 LOS ANGELES CA 90044 13.2500 03/25/04 1000163446 6.7500 05/01/04 23 1000163446 6.2500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.7500 0.0000 0.0000 A 9.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973229 7.6000 154800.0000 100.0000 7.6000 154,574.07 ZZ 7.1000 1093.01 1 14.6000 1093.01 90 CROFTON MD 21114 14.1000 02/27/04 5000089489 7.6000 05/01/04 23 5000089489 7.1000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.6000 0.0000 0.0000 A 10.6000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 01 00 O 0.0000 8973241 6.4000 238500.0000 100.0000 6.4000 238,059.15 ZZ 5.9000 1491.84 1 13.4000 1491.84 90 NORTH MIAMI FL 33160 12.9000 03/01/04 5000089530 6.4000 05/01/04 23 5000089530 5.9000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.4000 0.0000 0.0000 A 9.4000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8973249 7.2400 145000.0000 100.0000 7.2400 144,760.73 ZZ 6.7400 988.18 1 14.2400 988.18 100 MAYWOOD IL 60153 13.7400 03/05/04 5000089716 7.2400 05/01/04 23 5000089716 6.7400 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.2400 0.0000 0.0000 A 10.2400 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8973261 6.9500 207000.0000 100.0000 6.9500 206,656.28 ZZ 6.4500 1370.24 2 13.9500 1370.24 90 CHICAGO IL 60644 13.4500 03/15/04 5000089905 6.9500 05/01/04 23 5000089905 6.4500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9500 0.0000 0.0000 A 9.9500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973291 7.5000 83000.0000 100.0000 7.5000 82,876.42 ZZ 7.0000 580.35 1 14.5000 580.35 100 DETROIT MI 48203 14.0000 03/11/04 5000089833 7.5000 05/01/04 23 5000089833 7.0000 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.5000 0.0000 0.0000 A 10.5000 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8973331 7.7500 85000.0000 100.0000 7.7500 84,879.61 ZZ 7.2500 608.96 1 14.7500 608.96 100 MIAMI FL 33190 14.2500 03/16/04 1000157905 7.7500 05/01/04 23 1000157905 7.2500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 7.7500 0.0000 0.0000 A 10.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 09 00 O 0.0000 8973369 6.7500 300000.0000 100.0000 6.7500 299,481.95 ZZ 6.2500 1945.80 1 13.7500 1945.80 100 RESEDA CA 91335 13.2500 03/02/04 1000157939 6.7500 05/01/04 23 1000157939 6.2500 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.7500 0.0000 0.0000 A 9.7500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8973377 6.2400 277200.0000 100.0000 6.2400 276,671.57 ZZ 5.7400 1704.97 1 13.2400 1704.97 88 SUISUN CITY CA 94585 12.7400 03/11/04 1000157860 6.2400 05/01/04 23 1000157860 5.7400 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.2400 0.0000 0.0000 A 9.2400 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973385 6.9900 102689.0000 100.0000 6.9900 102,519.81 ZZ 6.4900 682.51 1 13.9900 682.51 100 LITTLE ROCK AR 72205 13.4900 03/22/04 1000157984 6.9900 05/01/04 23 1000157984 6.4900 04/01/34 0.0000 0 6.9900 04/01/06 04/01/06 T38/T38 6.4900 05/01/06 05/01/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8973833 6.8750 133900.0000 100.0000 6.8750 133,787.51 ZZ 6.5000 879.63 1 12.8750 879.63 100 ALBANY OR 97322 12.5000 04/21/04 0420713497 0.0000 06/01/04 23 0420713497 0.0000 05/01/34 0.0000 0 8.2500 05/01/07 05/01/07 E22/U57 7.8750 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BEDFORD KY 40006 13.2500 04/27/04 0420642712 0.0000 06/01/04 23 0420642712 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.6250 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8973923 6.6250 139500.0000 100.0000 6.6250 139,376.93 ZZ 6.2500 893.23 1 12.6250 893.23 90 MISHAWAKA IN 46544 12.2500 04/22/04 0420553232 0.0000 06/01/04 23 0420553232 0.0000 05/01/34 0.0000 0 7.8750 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 7.8750 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8973925 7.2500 109250.0000 100.0000 7.2500 109,164.77 ZZ 6.8750 745.28 1 13.2500 745.28 95 SAN ANTONIO TX 78212 12.8750 04/26/04 0420554933 0.0000 06/01/04 23 0420554933 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.2500 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8973965 8.2500 87520.0000 100.0000 8.2500 87,464.19 ZZ 7.7500 657.51 1 14.2500 657.51 100 CAMERON MO 64429 13.7500 04/27/04 0420568909 0.0000 06/01/04 23 0420568909 0.0000 05/01/34 0.0000 0 8.7500 05/01/06 05/01/06 E22/U57 8.2500 06/01/06 06/01/06 25 8.7500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8973991 7.2500 129000.0000 100.0000 7.2500 128,899.37 ZZ 6.8750 880.01 1 13.2500 880.01 100 HYRUM UT 84319 12.8750 04/21/04 0420518003 0.0000 06/01/04 23 0420518003 0.0000 05/01/34 0.0000 0 8.2500 05/01/07 05/01/07 E22/U57 7.8750 06/01/07 06/01/07 25 8.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8974149 6.5000 55300.0000 100.0000 6.5000 54,492.93 ZZ 6.1250 349.53 1 12.5000 349.53 73 GASTONIA NC 28054 12.1250 04/27/04 0420539942 0.0000 06/01/04 00 0420539942 0.0000 05/01/34 0.0000 0 6.6250 05/01/07 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0.0000 0.0000 A 10.8500 6 6 360 9 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8976161 7.2500 134000.0000 100.0000 7.2500 133,895.46 ZZ 6.8750 914.12 1 13.2500 914.12 100 LEWISBURG WV 24901 12.8750 04/23/04 0437781818 0.0000 06/01/04 23 2004031711 0.0000 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 W49/U57 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8976439 6.7000 114750.0000 100.0000 6.7000 114,549.90 ZZ 6.2000 740.46 1 12.7000 740.46 85 SPRINGDALE AR 72762 12.2000 04/22/04 0437788227 0.0000 05/22/04 23 0034536010 0.0000 04/22/34 0.0000 0 6.7500 04/22/06 04/22/06 N74/U57 6.2500 05/22/06 05/22/06 25 6.7500 0.0000 0.0000 A 9.7000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 N 0.0000 8976575 8.6500 165300.0000 100.0000 8.6500 165,105.12 ZZ 8.1500 1288.63 1 14.6500 1288.63 95 STATESVILLE NC 28677 14.1500 04/22/04 0437801541 0.0000 05/27/04 23 0034543010 0.0000 04/27/34 0.0000 0 8.2500 04/27/06 04/27/06 N74/U57 7.7500 05/27/06 05/27/06 25 8.2500 0.0000 0.0000 A 11.6500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8976693 6.4800 109400.0000 100.0000 6.4800 108,999.64 ZZ 5.9800 690.04 1 12.4800 690.04 79 WINFIELD AL 35594 11.9800 01/30/04 0437802580 0.0000 03/05/04 00 20031211002 0.0000 02/05/34 0.0000 0 6.9750 02/05/07 02/05/07 L57/U56 6.4750 03/05/07 03/05/07 45 6.4800 0.0000 0.0000 A 9.4800 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8977821 8.3750 61000.0000 100.0000 8.3750 60,962.09 ZZ 7.8750 463.64 1 14.3750 463.64 100 MOLINE IL 61265 13.8750 04/28/04 0420699183 0.0000 06/01/04 23 0420699183 0.0000 05/01/34 0.0000 0 8.7500 05/01/06 05/01/06 E22/U57 8.2500 06/01/06 06/01/06 25 8.7500 0.0000 0.0000 A 11.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 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LAUDERDALE FL 33304 13.0000 04/28/04 0420621997 0.0000 06/01/04 23 0420621997 0.0000 05/01/34 0.0000 0 7.7500 05/01/07 05/01/07 E22/U57 7.3750 06/01/07 06/01/07 25 7.7500 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8977871 6.3750 152000.0000 100.0000 6.3750 151,859.22 ZZ 6.0000 948.28 1 12.3750 948.28 90 TAMPA FL 33617 12.0000 04/23/04 0420668634 0.0000 06/01/04 23 0420668634 0.0000 05/01/34 0.0000 0 7.2500 05/01/07 05/01/07 E22/U57 6.8750 06/01/07 06/01/07 25 7.2500 0.0000 0.0000 A 9.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8977887 7.5000 223064.0000 100.0000 7.5000 222,898.45 ZZ 7.0000 1559.70 1 13.5000 1559.70 95 APOPKA FL 32712 13.0000 04/28/04 0420595720 0.0000 06/01/04 23 0420595720 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8977929 7.1250 76500.0000 100.0000 7.1250 76,438.83 ZZ 6.7500 515.39 1 13.1250 515.39 90 KANSAS CITY MO 64133 12.7500 04/20/04 0420603078 0.0000 06/01/04 23 0420603078 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8977941 8.1250 294500.0000 100.0000 8.1250 294,307.36 ZZ 7.6250 2186.65 1 14.1250 2186.65 95 SARASOTA FL 34235 13.6250 04/23/04 0420608887 0.0000 06/01/04 23 0420608887 0.0000 05/01/34 0.0000 0 8.6250 05/01/07 05/01/07 E22/U57 8.1250 06/01/07 06/01/07 25 8.6250 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8977959 6.7500 194750.0000 100.0000 6.7500 194,582.33 ZZ 6.3750 1263.14 1 12.7500 1263.14 95 HOUSTON TX 77016 12.3750 04/26/04 0420562084 0.0000 06/01/04 23 0420562084 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.6250 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8977969 6.8750 177600.0000 100.0000 6.8750 177,450.79 ZZ 6.5000 1166.71 1 12.8750 1166.71 94 FLORESVILLE TX 78114 12.5000 04/22/04 0420571911 0.0000 06/01/04 23 0420571911 0.0000 05/01/34 0.0000 0 7.3750 05/01/07 05/01/07 E22/U57 7.0000 06/01/07 06/01/07 25 7.3750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8977975 7.5000 181450.0000 100.0000 7.5000 181,315.34 ZZ 7.0000 1268.72 1 13.5000 1268.72 95 GRESHAM OR 97080 13.0000 04/21/04 0420572976 0.0000 06/01/04 23 0420572976 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8977991 6.0000 126000.0000 100.0000 6.0000 125,874.57 ZZ 5.6250 755.43 1 12.0000 755.43 90 LAKE WORTH FL 33461 11.6250 04/28/04 0420580136 0.0000 06/01/04 23 0420580136 0.0000 05/01/34 0.0000 0 6.8750 05/01/07 05/01/07 E22/U57 6.5000 06/01/07 06/01/07 25 6.8750 0.0000 0.0000 A 9.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978159 6.3750 73055.0000 100.0000 6.3750 72,987.33 ZZ 6.0000 455.77 1 12.3750 455.77 95 NASHVILLE TN 37209 12.0000 04/19/04 0437788821 6.6250 06/01/04 23 384335 6.2500 05/01/34 0.0000 0 6.6250 05/01/06 05/01/06 G33/U56 6.2500 06/01/06 06/01/06 25 6.6250 0.0000 0.0000 A 9.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978163 7.7500 70300.0000 100.0000 7.7500 70,200.44 ZZ 7.2500 503.64 1 13.7500 503.64 95 FORT WORTH TX 76115 13.2500 03/30/04 0437793748 8.2500 05/01/04 23 401619 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978173 8.2500 98000.0000 100.0000 8.2500 97,874.59 ZZ 7.7500 736.24 1 14.2500 736.24 100 FORT WORTH TX 76140 13.7500 03/25/04 0437795107 9.2500 05/01/04 23 402097 8.7500 04/01/34 0.0000 0 9.2500 04/01/06 04/01/06 G33/U56 8.7500 05/01/06 05/01/06 25 9.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978177 7.5000 108490.0000 100.0000 7.5000 108,409.48 ZZ 7.0000 758.58 1 13.5000 758.58 95 LOUISVILLE KY 40214 13.0000 04/28/04 0420554727 0.0000 06/01/04 23 0420554727 0.0000 05/01/34 0.0000 0 8.0000 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 8.0000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978181 7.5000 112900.0000 100.0000 7.5000 112,731.91 ZZ 7.1250 789.41 1 13.5000 789.41 100 ARLINGTON TX 76001 13.1250 03/31/04 0437795198 8.0000 05/01/04 23 402270 7.6250 04/01/34 0.0000 0 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642.15 1 12.8750 642.15 85 RICHMOND VA 23234 12.3750 03/26/04 0437794431 7.3750 05/01/04 23 405911 6.8750 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 6.8750 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8978201 8.1250 125400.0000 100.0000 8.1250 125,235.39 ZZ 7.6250 931.09 1 14.1250 931.09 95 MIDLOTHIAN VA 23112 13.6250 03/16/04 0437794365 8.7500 05/01/04 23 405920 8.2500 04/01/34 0.0000 0 8.7500 04/01/06 04/01/06 G33/U56 8.2500 05/01/06 05/01/06 25 8.7500 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978205 6.8750 148200.0000 100.0000 6.8750 147,950.27 ZZ 6.5000 973.57 1 12.8750 973.57 95 RICHMOND VA 23223 12.5000 03/26/04 0437791858 7.5000 05/01/04 23 406096 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 G33/U56 7.1250 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978209 8.0000 188100.0000 100.0000 8.0000 187,973.79 ZZ 7.5000 1380.21 1 14.0000 1380.21 95 CHESAPEAKE VA 22320 13.5000 03/30/04 0437794225 8.7500 06/01/04 23 406132 8.2500 05/01/34 0.0000 0 8.7500 05/01/06 05/01/06 G33/U56 8.2500 06/01/06 06/01/06 25 8.7500 0.0000 0.0000 A 11.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 01 00 O 0.0000 8978213 6.7500 250000.0000 100.0000 6.7500 249,784.75 ZZ 6.3750 1621.50 1 12.7500 1621.50 93 HENDERSON NV 89015 12.3750 04/16/04 0420500928 0.0000 06/01/04 23 0420500928 0.0000 05/01/34 0.0000 0 7.7500 05/01/07 05/01/07 E22/U57 7.3750 06/01/07 06/01/07 25 7.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978215 7.2500 152000.0000 100.0000 7.2500 151,762.13 ZZ 6.8750 1036.91 1 13.2500 1036.91 95 CHESAPEAKE VA 23320 12.8750 03/26/04 0437793946 7.8750 05/01/04 23 406136 7.5000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978219 6.1250 216000.0000 100.0000 6.1250 215,579.05 ZZ 5.7500 1312.44 1 12.1250 1312.44 100 VIRGINIA BEACH VA 23464 11.7500 03/25/04 0437799158 6.7500 05/01/04 23 406172 6.3750 04/01/34 0.0000 0 6.7500 04/01/06 04/01/06 G33/U56 6.3750 05/01/06 05/01/06 25 6.7500 0.0000 0.0000 A 9.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8978221 6.6250 233100.0000 100.0000 6.6250 232,894.35 ZZ 6.2500 1492.56 1 12.6250 1492.56 90 DENVER CO 80227 12.2500 04/23/04 0420502569 0.0000 06/01/04 23 0420502569 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978223 7.6250 127000.0000 100.0000 7.6250 126,815.58 ZZ 7.1250 898.90 1 13.6250 898.90 100 VIRGINIA BEACH VA 23452 13.1250 03/29/04 0437794308 8.3750 05/01/04 23 406198 7.8750 04/01/34 0.0000 0 8.3750 04/01/06 04/01/06 G33/U56 7.8750 05/01/06 05/01/06 25 8.3750 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 07 00 O 0.0000 8978227 7.3750 164000.0000 100.0000 7.3750 163,875.21 ZZ 7.0000 1132.71 1 13.3750 1132.71 100 DEBARY FL 32713 13.0000 04/12/04 0437795263 7.6250 06/01/04 23 406228 7.2500 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 G33/U56 7.2500 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978249 6.6250 105500.0000 100.0000 6.6250 105,406.92 ZZ 6.2500 675.53 1 12.6250 675.53 89 FLORISSANT MO 63031 12.2500 04/23/04 0420507345 0.0000 06/01/04 23 0420507345 0.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 E22/U57 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8978251 6.3750 88255.0000 100.0000 6.3750 88,173.25 ZZ 6.0000 550.60 1 12.3750 550.60 95 SHERWOOD AR 72120 12.0000 04/09/04 0437798242 7.3750 06/01/04 23 411031 7.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 G33/U56 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 9.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978255 6.8750 58805.0000 100.0000 6.8750 58,682.49 ZZ 6.5000 386.31 1 12.8750 386.31 95 NORTH LITTLE RO AR 72118 12.5000 03/26/04 0437797418 7.3750 05/01/04 23 411073 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978259 7.7500 85500.0000 100.0000 7.7500 85,378.93 ZZ 7.2500 612.53 1 13.7500 612.53 95 BROWNSVILLE TX 78521 13.2500 03/25/04 0437797426 8.2500 05/01/04 23 411074 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978263 7.3750 165000.0000 100.0000 7.3750 164,748.13 ZZ 7.0000 1139.61 1 13.3750 1139.61 100 SAN ANTONIO TX 78232 13.0000 03/17/04 0437795172 7.7500 05/01/04 23 411114 7.3750 04/01/34 0.0000 0 7.7500 04/01/06 04/01/06 G33/U56 7.3750 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978267 7.5000 130927.0000 100.0000 7.5000 130,732.06 ZZ 7.1250 915.46 1 13.5000 915.46 100 INDIANAPOLIS IN 46229 13.1250 03/31/04 0437790173 8.1250 05/01/04 23 411247 7.7500 04/01/34 0.0000 0 8.1250 04/01/07 04/01/07 G33/U56 7.7500 05/01/07 05/01/07 25 8.1250 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978271 8.2500 143054.0000 100.0000 8.2500 142,869.11 ZZ 7.7500 1074.72 1 14.2500 1074.72 95 SAN ANTONIO TX 78251 13.7500 03/30/04 0437797434 8.2500 05/01/04 23 411294 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978275 6.8750 127300.0000 100.0000 6.8750 127,193.05 ZZ 6.5000 836.27 1 12.8750 836.27 95 LITTLE ROCK AR 72204 12.5000 04/08/04 0437795867 7.3750 06/01/04 23 411299 7.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 G33/U56 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978277 5.2500 154400.0000 100.0000 5.2500 154,222.90 ZZ 5.0000 852.60 1 10.2500 852.60 80 OGDEN UT 84405 10.0000 04/23/04 0420520504 0.0000 06/01/04 00 0420520504 0.0000 05/01/34 0.0000 0 2.2500 05/01/09 05/01/09 E22/U57 2.0000 06/01/09 06/01/09 45 2.2500 0.0000 0.0000 A 10.2500 12 12 360 L12 2.0000 2.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 01 00 O 0.0000 8978279 6.7500 90725.0000 100.0000 6.7500 90,567.22 ZZ 6.3750 588.44 1 12.7500 588.44 95 BLOOMINGTON IN 47401 12.3750 03/29/04 0437795354 7.2500 05/01/04 23 411300 6.8750 04/01/34 0.0000 0 7.2500 04/01/06 04/01/06 G33/U56 6.8750 05/01/06 05/01/06 25 7.2500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978285 7.6250 126240.0000 100.0000 7.6250 126,148.63 ZZ 7.1250 893.52 1 13.6250 893.52 95 INDIANAPOLIS IN 46229 13.1250 04/01/04 0437795768 8.3750 06/01/04 23 411329 7.8750 05/01/34 0.0000 0 8.3750 05/01/07 05/01/07 G33/U56 7.8750 06/01/07 06/01/07 25 8.3750 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978291 7.1250 125400.0000 100.0000 7.1250 125,299.72 ZZ 6.6250 844.84 1 13.1250 844.84 95 RUSSIAVILLE IN 46979 12.6250 04/08/04 0437797681 7.5000 06/01/04 23 411332 7.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 G33/U56 7.0000 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978297 6.6250 82500.0000 100.0000 6.6250 82,427.21 ZZ 6.1250 528.26 1 12.6250 528.26 94 KENDALLVILLE IN 46755 12.1250 04/15/04 0437794183 7.0000 06/01/04 23 411452 6.5000 05/01/34 0.0000 0 7.0000 05/01/06 05/01/06 G33/U56 6.5000 06/01/06 06/01/06 25 7.0000 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8978301 7.0000 163931.0000 100.0000 7.0000 163,796.62 ZZ 6.6250 1090.64 1 13.0000 1090.64 95 KATY TX 77449 12.6250 04/15/04 0437788128 7.5000 06/01/04 23 411454 7.1250 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 G33/U56 7.1250 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978305 7.2500 179075.0000 100.0000 7.2500 178,771.82 ZZ 6.7500 1221.61 1 13.2500 1221.61 95 TOLEDO OH 43614 12.7500 03/31/04 0437791965 7.8750 05/01/04 23 415849 7.3750 04/01/34 0.0000 0 7.8750 04/01/06 04/01/06 G33/U56 7.3750 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978309 7.2500 161500.0000 100.0000 7.2500 161,374.02 ZZ 6.7500 1101.71 1 13.2500 1101.71 95 GRAND BLANC MI 48439 12.7500 04/14/04 0437793839 7.7500 06/01/04 23 415989 7.2500 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 G33/U56 7.2500 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978313 8.2500 67000.0000 100.0000 8.2500 66,914.26 ZZ 7.8750 503.35 1 14.2500 503.35 100 FORT GIBSON OK 74434 13.8750 03/31/04 0437788326 8.5000 05/01/04 23 416192 8.1250 04/01/34 0.0000 0 8.5000 04/01/06 04/01/06 G33/U56 8.1250 05/01/06 05/01/06 25 8.5000 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978319 7.3750 153900.0000 100.0000 7.3750 153,665.06 ZZ 7.0000 1062.95 1 13.3750 1062.95 95 TULSA OK 74136 13.0000 03/31/04 0437791957 7.3750 05/01/04 23 416273 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978323 7.1250 237500.0000 100.0000 7.1250 237,119.03 ZZ 6.7500 1600.08 1 13.1250 1600.08 95 GUNTER TX 75058 12.7500 04/02/04 0437797707 7.5000 05/01/04 23 416341 7.1250 04/01/34 0.0000 0 7.5000 04/01/07 04/01/07 G33/U56 7.1250 05/01/07 05/01/07 25 7.5000 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978331 7.2500 58000.0000 100.0000 7.2500 57,954.76 ZZ 6.8750 395.66 1 13.2500 395.66 100 AKRON OH 44306 12.8750 04/12/04 0437792021 8.0000 06/01/04 23 416381 7.6250 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 G33/U56 7.6250 06/01/06 06/01/06 25 8.0000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978335 7.0000 189829.0000 100.0000 7.0000 189,516.89 ZZ 6.6250 1262.94 1 13.0000 1262.94 95 MCKINNEY TX 75070 12.6250 03/31/04 0437787922 7.5000 05/01/04 23 416399 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 G33/U56 7.1250 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978339 8.0000 183825.0000 100.0000 8.0000 183,577.50 ZZ 7.5000 1348.84 1 14.0000 1348.84 95 JUSTIN TX 76247 13.5000 03/31/04 0437794332 8.2500 05/01/04 23 416405 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 11.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978343 7.0000 123500.0000 100.0000 7.0000 123,296.95 ZZ 6.6250 821.65 1 13.0000 821.65 95 FORT WORTH TX 76137 12.6250 03/31/04 0437797848 7.3750 05/01/04 23 416425 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978349 6.5000 135000.0000 100.0000 6.5000 134,877.96 ZZ 6.1250 853.29 1 12.5000 853.29 90 GENOA TOWNSHIP MI 48843 12.1250 04/05/04 0437794027 7.2500 06/01/04 23 416437 6.8750 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 G33/U56 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978357 6.8750 175000.0000 100.0000 6.8750 174,852.97 ZZ 6.5000 1149.63 1 12.8750 1149.63 100 SAINT CHARLES MO 63304 12.5000 04/16/04 0437794126 7.7500 06/01/04 23 416479 7.3750 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 G33/U56 7.3750 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978361 7.1250 104500.0000 100.0000 7.1250 104,247.79 ZZ 6.7500 704.04 1 13.1250 704.04 95 MERAUX LA 70075 12.7500 02/10/04 0437794357 8.0000 04/01/04 23 420921 7.6250 03/01/34 0.0000 0 8.0000 03/01/07 03/01/07 G33/U56 7.6250 04/01/07 04/01/07 25 8.0000 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978365 6.7500 119900.0000 100.0000 6.7500 119,692.96 ZZ 6.3750 777.67 1 12.7500 777.67 100 HAZEL GREEN AL 35750 12.3750 03/25/04 0437790579 7.5000 05/01/04 23 421179 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 G33/U56 7.1250 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978369 6.7500 50000.0000 100.0000 6.7500 49,956.95 ZZ 6.3750 324.30 1 12.7500 324.30 100 MOBILE AL 36605 12.3750 04/19/04 0437795065 7.2500 06/01/04 23 421221 6.8750 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 G33/U56 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978373 8.2500 69350.0000 100.0000 8.2500 69,261.26 ZZ 7.7500 521.00 1 14.2500 521.00 95 SCOTTSBORO AL 35768 13.7500 03/30/04 0437797301 8.2500 05/01/04 23 421238 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978375 7.3750 150000.0000 100.0000 7.3750 149,885.86 ZZ 6.8750 1036.01 1 13.3750 1036.01 94 GLENCOE AL 35905 12.8750 04/23/04 0420490153 0.0000 06/01/04 23 0420490153 0.0000 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 8.0000 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978377 7.6250 107769.0000 100.0000 7.6250 107,612.51 ZZ 7.1250 762.78 1 13.6250 762.78 95 MOBILE AL 36609 13.1250 04/01/04 0437794688 8.2500 05/01/04 23 421240 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978379 6.6250 208900.0000 100.0000 6.6250 208,715.69 ZZ 6.2500 1337.61 1 12.6250 1337.61 95 YORK PA 17402 12.2500 04/28/04 0420491524 0.0000 06/01/04 23 0420491524 0.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 E22/U57 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978381 8.1250 87875.0000 100.0000 8.1250 87,759.65 ZZ 7.6250 652.47 1 14.1250 652.47 95 NASHVILLE TN 37211 13.6250 03/24/04 0437792062 8.3750 05/01/04 23 421456 7.8750 04/01/34 0.0000 0 8.3750 04/01/07 04/01/07 G33/U56 7.8750 05/01/07 05/01/07 25 8.3750 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978385 7.0000 111500.0000 100.0000 7.0000 111,316.68 ZZ 6.6250 741.81 1 13.0000 741.81 100 CLEARWATER FL 33760 12.6250 03/31/04 0437796246 7.5000 05/01/04 23 421498 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 G33/U56 7.1250 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8978389 7.8750 167495.0000 100.0000 7.8750 167,263.71 ZZ 7.3750 1214.45 1 13.8750 1214.45 100 UNION CITY GA 30291 13.3750 03/31/04 0437796436 8.1250 05/01/04 23 421505 7.6250 04/01/34 0.0000 0 8.1250 04/01/06 04/01/06 G33/U56 7.6250 05/01/06 05/01/06 25 8.1250 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978391 7.7500 152000.0000 100.0000 7.7500 151,892.72 ZZ 7.2500 1088.95 1 13.7500 1088.95 95 MONTICELLO KY 42633 13.2500 04/22/04 0420466898 0.0000 06/01/04 23 0420466898 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 E22/U57 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978399 6.8750 124450.0000 100.0000 6.8750 124,240.29 ZZ 6.5000 817.55 1 12.8750 817.55 95 NASHVILLE TN 37211 12.5000 03/29/04 0437790280 7.3750 05/01/04 23 421544 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978403 8.1250 83700.0000 100.0000 8.1250 83,645.25 ZZ 7.6250 621.47 1 14.1250 621.47 95 MERIDIANVILLE AL 35759 13.6250 04/06/04 0437794837 8.2500 06/01/04 23 421550 7.7500 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 G33/U56 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978441 6.7500 80000.0000 100.0000 6.7500 79,931.12 ZZ 6.3750 518.88 1 12.7500 518.88 100 CALERA AL 35040 12.3750 04/12/04 0437794233 7.3750 06/01/04 23 421612 7.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 G33/U56 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8978443 7.5000 85500.0000 100.0000 7.5000 85,372.70 ZZ 7.0000 597.83 1 13.5000 597.83 95 MISSOURI CITY TX 77489 13.0000 03/24/04 0437797657 8.2500 05/01/04 23 425583 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978449 7.7500 86775.0000 100.0000 7.7500 86,652.11 ZZ 7.3750 621.67 1 13.7500 621.67 100 CONROE TX 77303 13.3750 03/26/04 0437788011 8.0000 05/01/04 23 425594 7.6250 04/01/34 0.0000 0 8.0000 04/01/06 04/01/06 G33/U56 7.6250 05/01/06 05/01/06 25 8.0000 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978451 7.8750 77900.0000 100.0000 7.8750 77,811.22 ZZ 7.3750 564.83 1 13.8750 564.83 95 BEDFORD IN 47421 13.3750 04/16/04 0437796329 8.3750 06/01/04 23 425610 7.8750 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 G33/U56 7.8750 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978455 7.1250 142500.0000 100.0000 7.1250 142,386.04 ZZ 6.7500 960.05 1 13.1250 960.05 95 HOUSTON TX 77075 12.7500 04/06/04 0437790181 7.3750 06/01/04 23 425658 7.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 G33/U56 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978459 7.3750 90250.0000 100.0000 7.3750 90,112.24 ZZ 7.0000 623.33 1 13.3750 623.33 95 AUSTIN TX 78722 13.0000 03/19/04 0437797087 7.8750 05/01/04 23 430363 7.5000 04/01/34 0.0000 0 7.8750 04/01/06 04/01/06 G33/U56 7.5000 05/01/06 05/01/06 25 7.8750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978465 6.6250 137750.0000 100.0000 6.6250 137,628.46 ZZ 6.2500 882.03 1 12.6250 882.03 95 LEAGUE CITY TX 77573 12.2500 04/12/04 0437797590 7.2500 06/01/04 23 430368 6.8750 05/01/34 0.0000 0 7.2500 05/01/07 05/01/07 G33/U56 6.8750 06/01/07 06/01/07 25 7.2500 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978469 7.2500 113430.0000 100.0000 7.2500 113,252.50 ZZ 6.8750 773.79 1 13.2500 773.79 95 KATY TX 77449 12.8750 03/25/04 0437796097 7.5000 05/01/04 23 430395 7.1250 04/01/34 0.0000 0 7.5000 04/01/07 04/01/07 G33/U56 7.1250 05/01/07 05/01/07 25 7.5000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978471 6.7500 151952.0000 100.0000 6.7500 151,689.60 ZZ 6.3750 985.56 1 12.7500 985.56 95 SPRING TX 77373 12.3750 03/29/04 0437794530 7.3750 05/01/04 23 430531 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978475 7.3750 85405.0000 100.0000 7.3750 85,273.49 ZZ 7.0000 589.87 1 13.3750 589.87 95 HOUSTON TX 77075 13.0000 03/31/04 0437793714 7.6250 05/01/04 23 430599 7.2500 04/01/34 0.0000 0 7.6250 04/01/06 04/01/06 G33/U56 7.2500 05/01/06 05/01/06 25 7.6250 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978483 8.2500 138645.0000 100.0000 8.2500 138,556.58 ZZ 7.7500 1041.59 1 14.2500 1041.59 95 LEAGUE CITY TX 77573 13.7500 04/16/04 0437795008 8.2500 06/01/04 23 430647 7.7500 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 G33/U56 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978487 8.0000 134900.0000 100.0000 8.0000 134,718.36 ZZ 7.5000 989.85 1 14.0000 989.85 95 EAGLE MOUNTAIN UT 84043 13.5000 03/24/04 0437788649 8.8750 05/01/04 23 435308 8.3750 04/01/34 0.0000 0 8.8750 04/01/06 04/01/06 G33/U56 8.3750 05/01/06 05/01/06 25 8.8750 0.0000 0.0000 A 11.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978491 7.2500 204250.0000 100.0000 7.2500 203,722.46 ZZ 6.8750 1393.35 1 13.2500 1393.35 95 MARYSVILLE WA 98270 12.8750 04/01/04 0437790496 7.5000 05/01/04 23 435366 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 G33/U56 7.1250 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978495 8.5000 117800.0000 100.0000 8.5000 117,656.13 ZZ 8.0000 905.78 1 14.5000 905.78 95 QUEEN CREEK AZ 85242 14.0000 03/29/04 0437795180 8.6250 05/01/04 23 435466 8.1250 04/01/34 0.0000 0 8.6250 04/01/07 04/01/07 G33/U56 8.1250 05/01/07 05/01/07 25 8.6250 0.0000 0.0000 A 11.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978499 7.5000 170000.0000 100.0000 7.5000 169,873.84 ZZ 7.0000 1188.66 1 13.5000 1188.66 100 TACOMA WA 98444 13.0000 04/01/04 0437788052 8.2500 06/01/04 23 435467 7.7500 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 G33/U56 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978503 8.2500 102125.0000 100.0000 8.2500 101,994.31 ZZ 7.7500 767.23 1 14.2500 767.23 95 LEXINGTON KY 40517 13.7500 03/31/04 0437794746 8.2500 05/01/04 23 437758 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978507 8.1250 227040.0000 100.0000 8.1250 226,741.95 ZZ 7.6250 1685.77 1 14.1250 1685.77 95 MCKINNEY TX 75071 13.6250 03/26/04 0437796972 8.2500 05/01/04 23 437793 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978511 7.3750 109250.0000 100.0000 7.3750 109,083.23 ZZ 6.8750 754.56 1 13.3750 754.56 95 BLOOMINGTON IN 47401 12.8750 03/26/04 0437794399 7.5000 05/01/04 23 437927 7.0000 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8978515 7.1250 178600.0000 100.0000 7.1250 178,313.51 ZZ 6.7500 1203.26 1 13.1250 1203.26 95 GARLAND TX 75043 12.7500 03/30/04 0437788904 7.3750 05/01/04 23 437940 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978519 7.7500 250000.0000 100.0000 7.7500 249,823.55 ZZ 7.2500 1791.03 1 13.7500 1791.03 100 DALLAS TX 75214 13.2500 04/01/04 0437797483 8.7500 06/01/04 23 437960 8.2500 05/01/34 0.0000 0 8.7500 05/01/06 05/01/06 G33/U56 8.2500 06/01/06 06/01/06 25 8.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978523 7.8750 177175.0000 100.0000 7.8750 176,914.83 ZZ 7.3750 1284.64 1 13.8750 1284.64 95 FRISCO TX 75034 13.3750 03/31/04 0437794886 8.3750 05/01/04 23 438014 7.8750 04/01/34 0.0000 0 8.3750 04/01/06 04/01/06 G33/U56 7.8750 05/01/06 05/01/06 25 8.3750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978527 7.6250 135850.0000 100.0000 7.6250 135,751.67 ZZ 7.1250 961.54 1 13.6250 961.54 95 WESTLAND MI 48185 13.1250 04/08/04 0437793920 8.2500 06/01/04 23 438020 7.7500 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 G33/U56 7.7500 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978531 7.1250 142785.0000 100.0000 7.1250 142,555.96 ZZ 6.7500 961.97 1 13.1250 961.97 95 LITTLE ELM TX 75068 12.7500 03/31/04 0437794605 7.3750 05/01/04 23 438023 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.3750 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978535 8.1250 92150.0000 100.0000 8.1250 92,089.72 ZZ 7.6250 684.21 1 14.1250 684.21 95 LIVONIA MI 48150 13.6250 04/06/04 0437793755 8.7500 06/01/04 23 438046 8.2500 05/01/34 0.0000 0 8.7500 05/01/06 05/01/06 G33/U56 8.2500 06/01/06 06/01/06 25 8.7500 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8978543 6.8750 213750.0000 100.0000 6.8750 213,570.42 ZZ 6.5000 1404.19 1 12.8750 1404.19 95 LOUISVILLE KY 40245 12.5000 04/09/04 0437793813 7.2500 06/01/04 23 438102 6.8750 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 G33/U56 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8978547 7.3750 77250.0000 100.0000 7.3750 77,191.22 ZZ 7.0000 533.55 1 13.3750 533.55 100 LONDON KY 40741 13.0000 04/12/04 0437803927 7.6250 06/01/04 23 438115 7.2500 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 G33/U56 7.2500 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978553 7.5000 155000.0000 100.0000 7.5000 154,884.97 ZZ 7.1250 1083.78 1 13.5000 1083.78 100 MIDDLETOWN OH 45042 13.1250 04/28/04 0420453037 0.0000 06/01/04 23 0420453037 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 E22/U57 7.8750 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978555 8.1250 93100.0000 100.0000 8.1250 92,977.79 ZZ 7.6250 691.26 1 14.1250 691.26 95 HERTFORD NC 27944 13.6250 03/31/04 0437794282 8.2500 05/01/04 23 443180 7.7500 04/01/34 0.0000 0 8.2500 04/01/06 04/01/06 G33/U56 7.7500 05/01/06 05/01/06 25 8.2500 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978559 7.0000 136790.0000 100.0000 7.0000 136,555.10 ZZ 6.6250 910.07 1 13.0000 910.07 95 DELTONA FL 32738 12.6250 03/31/04 0437798200 7.5000 05/01/04 23 443353 7.1250 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 G33/U56 7.1250 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978563 7.0000 126900.0000 100.0000 7.0000 126,691.35 ZZ 6.6250 844.27 1 13.0000 844.27 100 KISSIMMEE FL 34743 12.6250 03/31/04 0437799976 8.0000 05/01/04 23 443356 7.6250 04/01/34 0.0000 0 8.0000 04/01/06 04/01/06 G33/U56 7.6250 05/01/06 05/01/06 25 8.0000 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978565 6.8750 87550.0000 100.0000 6.8750 87,476.45 ZZ 6.5000 575.14 1 12.8750 575.14 100 CHARLESTOWN IN 47111 12.5000 04/28/04 0420458648 0.0000 06/01/04 23 0420458648 0.0000 05/01/34 0.0000 0 7.6250 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978577 6.4300 367500.0000 100.0000 6.4300 365,797.99 ZZ 5.9300 2305.96 3 12.4300 2305.96 75 LONG BEACH CA 90804 11.9300 12/09/03 0437819725 6.4300 02/01/04 00 0445132684 5.9300 01/01/34 0.0000 0 5.1800 01/01/06 01/01/06 K15/U56 4.6800 02/01/06 02/01/06 25 6.4300 0.0000 0.0000 A 9.4300 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978581 6.0000 120510.0000 100.0000 6.0000 120,390.03 T 5.6250 722.52 1 12.0000 722.52 90 DAVENPORT FL 33896 11.6250 04/02/04 0437794001 6.5000 06/01/04 23 443442 6.1250 05/01/34 0.0000 0 6.5000 05/01/06 05/01/06 G33/U56 6.1250 06/01/06 06/01/06 25 6.5000 0.0000 0.0000 A 9.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978583 7.8300 192100.0000 100.0000 7.8300 191,424.20 ZZ 7.3300 1386.86 1 13.8300 1386.86 85 STERLING VA 20165 13.3300 12/12/03 0437845555 7.8300 02/01/04 23 0425133600 7.3300 01/01/34 0.0000 0 6.5800 01/01/06 01/01/06 K15/U56 6.0800 02/01/06 02/01/06 25 7.8300 0.0000 0.0000 A 10.8300 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 09 00 O 0.0000 8978595 6.7500 178600.0000 100.0000 6.7500 178,291.59 ZZ 6.3750 1158.40 1 12.7500 1158.40 95 AURORA CO 80017 12.3750 04/01/04 0437799752 7.3750 05/01/04 23 700021 7.0000 04/01/34 0.0000 0 7.3750 04/01/06 04/01/06 G33/U56 7.0000 05/01/06 05/01/06 25 7.3750 0.0000 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0437817513 8.9900 06/01/04 23 0006679336 8.4900 05/01/34 0.0000 0 7.7400 05/01/06 05/01/06 K15/U56 7.2400 06/01/06 06/01/06 25 8.9900 0.0000 0.0000 A 11.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978649 7.3750 53200.0000 100.0000 7.3750 53,159.52 ZZ 7.0000 367.44 1 13.3750 367.44 95 JACKSON MS 39209 13.0000 04/27/04 0420414336 0.0000 06/01/04 23 0420414336 0.0000 05/01/34 0.0000 0 7.6250 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978659 6.7000 225000.0000 100.0000 6.7000 224,607.65 ZZ 6.2000 1451.88 1 12.7000 1451.88 90 BURTONSVILLE MD 20866 12.2000 03/25/04 0437817976 6.7000 05/01/04 23 0006681758 6.2000 04/01/34 0.0000 0 5.4500 04/01/06 04/01/06 K15/U56 4.9500 05/01/06 05/01/06 25 6.7000 0.0000 0.0000 A 9.7000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 09 00 O 0.0000 8978667 6.5000 206218.0000 100.0000 6.5000 206,031.57 ZZ 6.1250 1303.44 1 12.5000 1303.44 90 CRANSTON RI 02910 12.1250 04/23/04 0420422107 0.0000 06/01/04 23 0420422107 0.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 E22/U57 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 9.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978689 7.1000 294500.0000 100.0000 7.1000 294,026.26 ZZ 6.6000 1979.13 1 13.1000 1979.13 95 BRANSON MO 65616 12.6000 03/22/04 0437818032 7.1000 05/01/04 23 0006684642 6.6000 04/01/34 0.0000 0 5.8500 04/01/06 04/01/06 K15/U56 5.3500 05/01/06 05/01/06 25 7.1000 0.0000 0.0000 A 10.1000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978701 5.4500 228000.0000 100.0000 5.4500 227,495.02 ZZ 4.9500 1287.42 1 11.4500 1287.42 80 EL MONTE CA 91731 10.9500 03/25/04 0437807357 5.4500 05/01/04 00 0006687296 4.9500 04/01/34 0.0000 0 4.2000 04/01/06 04/01/06 K15/U56 3.7000 05/01/06 05/01/06 25 5.4500 0.0000 0.0000 A 8.4500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978741 7.2500 50000.0000 100.0000 7.2500 49,960.99 ZZ 6.7500 341.09 2 13.2500 341.09 80 SAINT LOUIS MO 63118 12.7500 04/28/04 0420365769 0.0000 06/01/04 00 0420365769 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8978759 7.7500 200000.0000 100.0000 7.7500 199,858.85 ZZ 7.2500 1432.82 1 13.7500 1432.82 86 FAIRWAY KS 66205 13.2500 03/31/04 0437827983 7.7500 06/01/04 23 0006695987 7.2500 05/01/34 0.0000 0 6.5000 05/01/06 05/01/06 K15/U56 6.0000 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978765 7.5000 114000.0000 100.0000 7.5000 113,915.40 ZZ 7.0000 797.10 1 13.5000 797.10 95 GALLOWAY OH 43119 13.0000 04/29/04 0420381386 0.0000 06/01/04 23 0420381386 0.0000 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 8.0000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978803 7.8750 80000.0000 100.0000 7.8750 79,944.94 ZZ 7.3750 580.06 1 13.8750 580.06 80 DETROIT MI 48210 13.3750 04/28/04 0420357444 0.0000 06/01/04 00 0420357444 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8978811 7.1250 144000.0000 100.0000 7.1250 143,884.85 ZZ 6.7500 970.15 1 13.1250 970.15 100 DURHAM NC 27703 12.7500 04/23/04 0420319378 0.0000 06/01/04 23 0420319378 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8978817 8.3500 360000.0000 100.0000 8.3500 359,775.09 ZZ 7.8500 2729.91 2 14.3500 2729.91 90 ELMWOOD PARK IL 60707 13.8500 03/31/04 0437826134 8.3500 06/01/04 23 0006696478 7.8500 05/01/34 0.0000 0 7.1000 05/01/06 05/01/06 K15/U56 6.6000 06/01/06 06/01/06 25 8.3500 0.0000 0.0000 A 11.3500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978833 7.8750 75050.0000 100.0000 7.8750 74,998.36 ZZ 7.3750 544.16 1 13.8750 544.16 95 SILER CITY NC 27344 13.3750 04/28/04 0420324667 0.0000 06/01/04 23 0420324667 0.0000 05/01/34 0.0000 0 8.8750 05/01/07 05/01/07 E22/U57 8.3750 06/01/07 06/01/07 25 8.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978845 6.7800 121500.0000 100.0000 6.7800 121,236.01 ZZ 6.2800 790.47 1 12.7800 790.47 90 EVERSON WA 98247 12.2800 03/29/04 0437819287 6.7800 06/01/04 23 0006690562 6.2800 05/01/34 0.0000 0 5.5300 05/01/06 05/01/06 K15/U56 5.0300 06/01/06 06/01/06 25 6.7800 0.0000 0.0000 A 9.7800 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978847 7.6250 147000.0000 100.0000 7.6250 146,880.24 ZZ 7.1250 1040.46 1 13.6250 1040.46 100 FORT WORTH TX 76248 13.1250 04/20/04 0420332330 0.0000 06/01/04 23 0420332330 0.0000 05/01/34 0.0000 0 8.8750 05/01/06 05/01/06 E22/U57 8.3750 06/01/06 06/01/06 25 8.8750 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978895 6.3750 131100.0000 100.0000 6.3750 130,978.58 ZZ 6.0000 817.89 2 12.3750 817.89 95 WAUKEGAN IL 60085 12.0000 04/23/04 0420356396 0.0000 06/01/04 23 0420356396 0.0000 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 E22/U57 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8978911 6.8750 171000.0000 100.0000 6.8750 170,856.34 ZZ 6.5000 1123.35 1 12.8750 1123.35 100 EAGLE RIVER AK 99577 12.5000 04/26/04 0420281602 0.0000 06/01/04 23 0420281602 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.2500 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8978925 8.9000 112000.0000 100.0000 8.9000 111,747.36 ZZ 8.4000 893.13 1 14.9000 893.13 80 MIDDLETOWN OH 45042 14.4000 01/15/04 0437817794 8.9000 03/01/04 00 0483135648 8.4000 02/01/34 0.0000 0 7.6500 02/01/06 02/01/06 K15/U56 7.1500 03/01/06 03/01/06 25 8.9000 0.0000 0.0000 A 11.9000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8978927 7.2500 71155.0000 100.0000 7.2500 71,099.49 ZZ 6.7500 485.40 1 13.2500 485.40 95 LYMAN SC 29365 12.7500 04/28/04 0420289498 0.0000 06/01/04 23 0420289498 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.1250 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8978963 6.2500 211500.0000 100.0000 6.2500 211,299.32 ZZ 5.8750 1302.24 1 12.2500 1302.24 90 EDMOND OK 73034 11.8750 04/23/04 0420291452 0.0000 06/01/04 23 0420291452 0.0000 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 E22/U57 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8978981 8.2500 115900.0000 100.0000 8.2500 115,826.09 ZZ 7.8750 870.72 1 14.2500 870.72 100 MILLBROOK AL 36054 13.8750 04/28/04 0420310443 0.0000 06/01/04 23 0420310443 0.0000 05/01/34 0.0000 0 8.7500 05/01/07 05/01/07 E22/U57 8.3750 06/01/07 06/01/07 25 8.7500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979007 7.7500 92500.0000 100.0000 7.7500 92,434.72 ZZ 7.3750 662.68 1 13.7500 662.68 100 IRMO SC 29063 13.3750 04/28/04 0420314775 0.0000 06/01/04 23 0420314775 0.0000 05/01/34 0.0000 0 8.6250 05/01/06 05/01/06 E22/U57 8.2500 06/01/06 06/01/06 25 8.6250 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979027 4.5000 160000.0000 100.0000 4.5000 159,789.30 ZZ 4.2500 810.70 1 9.5000 810.70 80 PARKVILLE MD 21234 9.2500 04/23/04 0420202194 0.0000 06/01/04 00 0420202194 0.0000 05/01/34 0.0000 0 2.2500 05/01/09 05/01/09 E22/U57 2.0000 06/01/09 06/01/09 45 2.2500 0.0000 0.0000 A 9.5000 12 12 360 L12 2.0000 2.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8979045 6.7500 137750.0000 100.0000 6.7500 137,631.40 ZZ 6.3750 893.44 1 12.7500 893.44 95 SCHAUMBURG IL 60194 12.3750 04/23/04 0420224065 0.0000 06/01/04 23 0420224065 0.0000 05/01/34 0.0000 0 7.5000 05/01/07 05/01/07 E22/U57 7.1250 06/01/07 06/01/07 25 7.5000 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 09 00 O 0.0000 8979063 7.2500 138000.0000 100.0000 7.2500 137,892.35 ZZ 6.8750 941.40 1 13.2500 941.40 100 MESA AZ 85206 12.8750 04/23/04 0420232969 0.0000 06/01/04 23 0420232969 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979091 7.8500 115600.0000 100.0000 7.8500 115,397.47 ZZ 7.3500 836.18 2 13.8500 836.18 85 FORT WORTH TX 76110 13.3500 03/11/04 0437814908 7.8500 05/01/04 23 0403136342 7.3500 04/01/34 0.0000 0 6.6000 04/01/06 04/01/06 K15/U56 6.1000 05/01/06 05/01/06 25 7.8500 0.0000 0.0000 A 10.8500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8979125 6.7500 204000.0000 100.0000 6.7500 203,824.36 ZZ 6.2500 1323.14 1 12.7500 1323.14 85 WIMAUMA FL 33598 12.2500 04/23/04 0420270266 0.0000 06/01/04 23 0420270266 0.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 E22/U57 6.8750 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979135 6.3500 224000.0000 100.0000 6.3500 223,553.60 ZZ 5.8500 1393.81 2 12.3500 1393.81 80 BRONX NY 10457 11.8500 03/25/04 0437827322 6.3500 05/01/04 00 0509136453 5.8500 04/01/34 0.0000 0 5.1000 04/01/06 04/01/06 K15/U56 4.6000 05/01/06 05/01/06 25 6.3500 0.0000 0.0000 A 9.3500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979167 8.7120 128200.0000 100.0000 8.7120 127,822.87 ZZ 8.2120 1005.07 1 14.7120 1005.07 95 GLIDDEN WI 54527 14.2120 12/18/03 0437817075 8.7120 02/01/04 23 0321514763 8.2120 01/01/34 0.0000 0 7.4620 01/01/06 01/01/06 K15/U56 6.9620 02/01/06 02/01/06 25 8.7120 0.0000 0.0000 A 11.7120 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979169 7.3750 108300.0000 100.0000 7.3750 108,217.59 ZZ 6.8750 748.00 1 13.3750 748.00 95 BRIDGEPORT TX 76426 12.8750 04/28/04 0420132003 0.0000 06/01/04 23 0420132003 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 E22/U57 7.2500 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979259 8.0000 144000.0000 100.0000 8.0000 143,903.38 ZZ 7.5000 1056.62 1 14.0000 1056.62 89 DOVER TWP. NJ 08757 13.5000 04/28/04 0419864533 0.0000 06/01/04 23 0419864533 0.0000 05/01/34 0.0000 0 8.5000 05/01/06 05/01/06 E22/U57 8.0000 06/01/06 06/01/06 25 8.5000 0.0000 0.0000 A 11.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979267 8.2960 282900.0000 100.0000 8.2960 282,541.35 ZZ 7.7960 2134.49 2 14.2960 2134.49 85 LOWELL MA 01854 13.7960 03/26/04 0437826712 8.2960 05/01/04 23 0245527073 7.7960 04/01/34 0.0000 0 7.0460 04/01/06 04/01/06 K15/U56 6.5460 05/01/06 05/01/06 25 8.2960 0.0000 0.0000 A 11.2960 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979337 8.1250 82555.0000 100.0000 8.1250 82,501.00 ZZ 7.6250 612.97 1 14.1250 612.97 95 MONTGOMERY AL 36117 13.6250 04/28/04 0420017832 0.0000 06/01/04 23 0420017832 0.0000 05/01/34 0.0000 0 8.5000 05/01/07 05/01/07 E22/U57 8.0000 06/01/07 06/01/07 25 8.5000 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979353 8.9890 97000.0000 100.0000 8.9890 96,893.10 ZZ 8.4890 779.72 1 14.9890 779.72 94 CLARKS MILLS PA 16114 14.4890 03/23/04 0437827918 8.9890 05/01/04 23 2035530227 8.4890 04/01/34 0.0000 0 7.7390 04/01/06 04/01/06 K15/U56 7.2390 05/01/06 05/01/06 25 8.9890 0.0000 0.0000 A 11.9890 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979359 7.8740 216000.0000 100.0000 7.8740 215,701.66 ZZ 7.3740 1566.00 1 13.8740 1566.00 90 DUDLEY MA 01571 13.3740 03/22/04 0437817901 7.8740 05/01/04 23 0320530253 7.3740 04/01/34 0.0000 0 6.6240 04/01/06 04/01/06 K15/U56 6.1240 05/01/06 05/01/06 25 7.8740 0.0000 0.0000 A 10.8740 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979379 6.8750 165000.0000 100.0000 6.8750 164,861.38 ZZ 6.5000 1083.93 1 12.8750 1083.93 100 FLORISSANT MO 63033 12.5000 04/28/04 0420189839 0.0000 06/01/04 23 0420189839 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8979523 12.0000 51800.0000 100.0000 12.0000 51,770.21 ZZ 11.5000 532.82 1 18.0000 532.82 85 FORT MADISON IA 52627 17.5000 03/26/04 0437817398 12.0000 05/01/04 23 0099518999 11.5000 04/01/34 0.0000 0 10.7500 04/01/06 04/01/06 K15/U56 10.2500 05/01/06 05/01/06 25 12.0000 0.0000 0.0000 A 15.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979535 10.4580 57800.0000 100.0000 10.4580 57,753.43 ZZ 9.9580 526.91 1 16.4580 526.91 85 CAIRO GA 39828 15.9580 03/30/04 0437792674 10.4580 05/01/04 23 0005519098 9.9580 04/01/34 0.0000 0 9.2080 04/01/06 04/01/06 K15/U56 8.7080 05/01/06 05/01/06 25 10.4580 0.0000 0.0000 A 13.4580 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8979569 4.9260 213700.0000 100.0000 4.9260 213,178.33 ZZ 4.4260 1137.54 1 10.9260 1137.54 75 LOS ANGELES CA 90018 10.4260 03/24/04 0437797467 6.4940 05/01/04 00 0248519592 5.9940 04/01/34 0.0000 0 6.4940 04/01/06 04/01/06 K15/U56 5.9940 05/01/06 05/01/06 25 6.4940 0.0000 0.0000 A 7.9260 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979607 7.5390 107200.0000 100.0000 7.5390 107,041.04 ZZ 7.0390 752.42 1 13.5390 752.42 65 FRESNO CA 93726 13.0390 03/26/04 0437815814 7.5390 05/01/04 00 0383520454 7.0390 04/01/34 0.0000 0 6.2890 04/01/06 04/01/06 K15/U56 5.7890 05/01/06 05/01/06 25 7.5390 0.0000 0.0000 A 10.5390 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8979653 7.1000 66500.0000 100.0000 7.1000 66,392.80 ZZ 6.6000 446.90 1 13.1000 446.90 95 HOUSTON TX 77016 12.6000 03/30/04 0437825870 7.1000 05/01/04 23 0404136590 6.6000 04/01/34 0.0000 0 5.8500 04/01/06 04/01/06 K15/U56 5.3500 05/01/06 05/01/06 25 7.1000 0.0000 0.0000 A 10.1000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979659 6.2000 352000.0000 100.0000 6.2000 351,323.81 ZZ 5.7000 2155.89 2 12.2000 2155.89 80 BROOKLYN NY 11203 11.7000 03/24/04 0437845431 6.2000 05/01/04 00 0506136641 5.7000 04/01/34 0.0000 0 5.4500 04/01/06 04/01/06 K15/U56 4.9500 05/01/06 05/01/06 25 6.2000 0.0000 0.0000 A 9.2000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 07 00 O 0.0000 8979671 8.3000 133600.0000 100.0000 8.3000 133,515.68 ZZ 7.8000 1008.39 1 14.3000 1008.39 80 PEARLAND TX 77581 13.8000 04/07/04 0437815285 8.3000 06/01/04 00 0404136764 7.8000 05/01/34 0.0000 0 7.0500 05/01/06 05/01/06 K15/U56 6.5500 06/01/06 06/01/06 25 8.3000 0.0000 0.0000 A 11.3000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979695 7.2000 216000.0000 100.0000 7.2000 215,829.82 ZZ 6.7000 1466.18 1 13.2000 1466.18 90 CRYSTAL LAKE IL 60014 12.7000 04/01/04 0437827066 7.2000 06/01/04 23 0004496615 6.7000 05/01/34 0.0000 0 5.9500 05/01/06 05/01/06 K15/U56 5.4500 06/01/06 06/01/06 25 7.2000 0.0000 0.0000 A 10.2000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979701 7.3300 208000.0000 100.0000 7.3300 207,355.34 ZZ 6.8300 1430.23 2 13.3300 1430.23 95 CHICAGO IL 60651 12.8300 01/27/04 0437819808 7.3300 03/01/04 23 0005526443 6.8300 02/01/34 0.0000 0 6.0800 02/01/06 02/01/06 K15/U56 5.5800 03/01/06 03/01/06 25 7.3300 0.0000 0.0000 A 10.3300 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8979709 5.5000 424000.0000 100.0000 5.5000 423,069.68 ZZ 5.0000 2407.43 3 11.5000 2407.43 53 CAMBRIDGE MA 02139 11.0000 02/27/04 0437804842 5.5000 05/01/04 00 0005533832 5.0000 04/01/34 0.0000 0 4.2500 04/01/06 04/01/06 K15/U56 3.7500 05/01/06 05/01/06 25 5.5000 0.0000 0.0000 A 8.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979711 6.9900 323000.0000 100.0000 6.9900 322,467.89 ZZ 6.4900 2146.76 1 12.9900 2146.76 87 LIBERTY NY 12754 12.4900 03/12/04 0437818529 6.9900 05/01/04 23 0005544929 6.4900 04/01/34 0.0000 0 5.7400 04/01/06 04/01/06 K15/U56 5.2400 05/01/06 05/01/06 25 6.9900 0.0000 0.0000 A 9.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979719 7.4300 122400.0000 100.0000 7.4300 122,122.73 ZZ 6.9300 849.98 1 13.4300 849.98 90 HILLSBORO OH 45133 12.9300 02/11/04 0437826621 7.4300 04/01/04 23 0005558156 6.9300 03/01/34 0.0000 0 6.1800 03/01/06 03/01/06 K15/U56 5.6800 04/01/06 04/01/06 25 7.4300 0.0000 0.0000 A 10.4300 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979799 6.7500 113000.0000 100.0000 6.7500 112,804.87 ZZ 6.2500 732.92 1 12.7500 732.92 85 SACRAMENTO CA 95820 12.2500 03/16/04 0437817380 6.7500 05/01/04 23 0005570215 6.2500 04/01/34 0.0000 0 5.5000 04/01/06 04/01/06 K15/U56 5.0000 05/01/06 05/01/06 25 6.7500 0.0000 0.0000 A 9.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8979815 6.5500 84000.0000 100.0000 6.5500 83,740.39 ZZ 6.0500 533.70 1 12.5500 533.70 80 CLEVES OH 45002 12.0500 02/19/04 0437825532 6.5500 04/01/04 00 0005580641 6.0500 03/01/34 0.0000 0 5.3000 03/01/06 03/01/06 K15/U56 4.8000 04/01/06 04/01/06 25 6.5500 0.0000 0.0000 A 9.5500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8979817 9.0640 119500.0000 100.0000 9.0640 119,369.72 ZZ 8.5640 967.03 1 15.0640 967.03 76 WOODBRIDGE VA 22193 14.5640 03/26/04 0437818719 9.0640 05/01/04 00 0122518039 8.5640 04/01/34 0.0000 0 7.8140 04/01/06 04/01/06 K15/U56 7.3140 05/01/06 05/01/06 25 9.0640 0.0000 0.0000 A 12.0640 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 09 00 O 0.0000 8979851 8.3890 213100.0000 100.0000 8.3890 212,834.93 ZZ 7.8890 1621.82 2 14.3890 1621.82 85 CRANSTON RI 02920 13.8890 03/26/04 0437812753 8.3890 05/01/04 23 0298518378 7.8890 04/01/34 0.0000 0 7.1390 04/01/06 04/01/06 K15/U56 6.6390 05/01/06 05/01/06 25 8.3890 0.0000 0.0000 A 11.3890 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979921 6.5500 159600.0000 100.0000 6.5500 159,212.91 ZZ 6.0500 1014.03 1 12.5500 1014.03 80 SAN BERNARDINO CA 92405 12.0500 03/16/04 0437827256 6.5500 05/01/04 00 0006637547 6.0500 04/01/34 0.0000 0 5.3000 04/01/06 04/01/06 K15/U56 4.8000 05/01/06 05/01/06 25 6.5500 0.0000 0.0000 A 9.5500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 N 0.0000 8979941 8.2800 270000.0000 100.0000 8.2800 269,656.58 ZZ 7.7800 2034.12 1 14.2800 2034.12 75 OLNEY MD 20832 13.7800 03/22/04 0437816598 8.2800 05/01/04 00 0006670248 7.7800 04/01/34 0.0000 0 7.0300 04/01/06 04/01/06 K15/U56 6.5300 05/01/06 05/01/06 25 8.2800 0.0000 0.0000 A 11.2800 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 09 00 O 0.0000 8979955 7.4000 57000.0000 100.0000 7.4000 56,913.41 ZZ 6.9000 394.66 1 13.4000 394.66 84 FORT WAYNE IN 46806 12.9000 03/24/04 0437827025 7.4000 05/01/04 23 0006660812 6.9000 04/01/34 0.0000 0 6.1500 04/01/06 04/01/06 K15/U56 5.6500 05/01/06 05/01/06 25 7.4000 0.0000 0.0000 A 10.4000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979975 6.9000 122000.0000 100.0000 6.9000 121,795.43 ZZ 6.4000 803.49 1 12.9000 803.49 80 GREENSBORO NC 27409 12.4000 03/19/04 0437826357 6.9000 05/01/04 00 0006664651 6.4000 04/01/34 0.0000 0 5.6500 04/01/06 04/01/06 K15/U56 5.1500 05/01/06 05/01/06 25 6.9000 0.0000 0.0000 A 9.9000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8979985 7.4000 119000.0000 100.0000 7.4000 118,819.25 ZZ 6.9000 823.93 1 13.4000 823.93 85 HYATTSVILLE MD 20781 12.9000 03/19/04 0437790678 7.4000 05/01/04 23 0006670285 6.9000 04/01/34 0.0000 0 6.1500 04/01/06 04/01/06 K15/U56 5.6500 05/01/06 05/01/06 25 7.4000 0.0000 0.0000 A 10.4000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8979999 7.8000 148500.0000 100.0000 7.8000 148,396.24 ZZ 7.3000 1069.01 1 13.8000 1069.01 90 ROELAND PARK KS 66205 13.3000 04/08/04 0437816143 7.8000 06/01/04 23 0006671352 7.3000 05/01/34 0.0000 0 6.5500 05/01/06 05/01/06 K15/U56 6.0500 06/01/06 06/01/06 25 7.8000 0.0000 0.0000 A 10.8000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8980053 7.5000 107000.0000 100.0000 7.5000 106,840.68 ZZ 7.0000 748.16 1 13.5000 748.16 85 DALLAS GA 30157 13.0000 03/26/04 0437807068 7.5000 05/01/04 23 0006674440 7.0000 04/01/34 0.0000 0 6.2500 04/01/06 04/01/06 K15/U56 5.7500 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8980097 4.0000 69000.0000 100.0000 4.0000 68,800.83 ZZ 3.5000 329.42 1 10.0000 329.42 77 PEORIA AZ 85345 9.5000 03/29/04 0437825730 7.5570 05/01/04 00 0197518563 7.0570 04/01/34 0.0000 0 7.5570 04/01/07 04/01/07 K15/U56 7.0570 05/01/07 05/01/07 25 3.0000 0.0000 0.0000 A 7.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 09 00 N 0.0000 8980135 9.2510 178500.0000 100.0000 9.2510 178,314.24 ZZ 8.7510 1468.61 1 15.2510 1468.61 85 BERWICK ME 03901 14.7510 03/18/04 0437825946 9.2510 05/01/04 23 0076529999 8.7510 04/01/34 0.0000 0 8.0010 04/01/06 04/01/06 K15/U56 7.5010 05/01/06 05/01/06 25 9.2510 0.0000 0.0000 A 10.2510 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8980163 8.5390 239400.0000 100.0000 8.5390 239,111.24 ZZ 8.0390 1847.40 1 14.5390 1847.40 90 ODENTON MD 21113 14.0390 03/26/04 0437845720 8.5390 05/01/04 23 0344530143 8.0390 04/01/34 0.0000 0 7.2890 04/01/06 04/01/06 K15/U56 6.7890 05/01/06 05/01/06 25 8.5390 0.0000 0.0000 A 11.5390 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 09 00 O 0.0000 8980171 9.3390 89200.0000 100.0000 9.3390 89,047.99 ZZ 8.8390 739.59 1 15.3390 739.59 85 STANTON NE 68779 14.8390 03/19/04 0437817596 9.3390 05/01/04 23 0293530182 8.8390 04/01/34 0.0000 0 8.0890 04/01/06 04/01/06 K15/U56 7.5890 05/01/06 05/01/06 25 9.3390 0.0000 0.0000 A 12.3390 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8980179 10.2020 294500.0000 100.0000 10.2020 294,227.72 ZZ 9.7020 2628.52 1 16.2020 2628.52 85 COTTAGE GROVE MN 55016 15.7020 03/26/04 0437829575 10.2020 05/01/04 23 0133530535 9.7020 04/01/34 0.0000 0 8.9520 04/01/06 04/01/06 K15/U56 8.4520 05/01/06 05/01/06 25 10.2020 0.0000 0.0000 A 13.2020 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8980187 8.7390 119700.0000 100.0000 8.7390 118,957.08 ZZ 8.2390 940.74 1 14.7390 940.74 90 LISBON ME 04250 14.2390 03/23/04 0437835879 8.7390 05/01/04 23 0078530588 8.2390 04/01/34 0.0000 0 7.4890 04/01/06 04/01/06 K15/U56 6.9890 05/01/06 05/01/06 25 8.7390 0.0000 0.0000 A 9.7390 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8980271 9.6140 62700.0000 100.0000 9.6140 62,639.54 ZZ 9.1140 532.44 1 15.6140 532.44 80 COLCHESTER IL 62326 15.1140 03/19/04 0437818065 9.6140 05/01/04 00 0277518173 9.1140 04/01/34 0.0000 0 8.3640 04/01/06 04/01/06 K15/U56 7.8640 05/01/06 05/01/06 25 9.6140 0.0000 0.0000 A 12.6140 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8980285 6.4640 215900.0000 100.0000 6.4640 215,505.84 ZZ 5.9640 1359.53 1 12.4640 1359.53 85 STOCKTON CA 95206 11.9640 03/18/04 0437815012 6.4640 05/01/04 23 0266519855 5.9640 04/01/34 0.0000 0 5.2140 04/01/06 04/01/06 K15/U56 4.7140 05/01/06 05/01/06 25 6.4640 0.0000 0.0000 A 9.4640 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8980377 7.6300 167400.0000 100.0000 7.6300 167,034.58 ZZ 7.1300 1185.42 1 13.6300 1185.42 85 WAYNESVILLE NC 28786 13.1300 02/09/04 0437824956 7.6300 04/01/04 23 0005580900 7.1300 03/01/34 0.0000 0 6.3800 03/01/06 03/01/06 K15/U56 5.8800 04/01/06 04/01/06 25 7.6300 0.0000 0.0000 A 10.6300 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8980405 6.5500 175700.0000 100.0000 6.5500 175,384.54 T 6.0500 1116.33 1 12.5500 1116.33 95 SUNRISE FL 33351 12.0500 03/26/04 0437829617 6.5500 05/01/04 23 0005586524 6.0500 04/01/34 0.0000 0 5.3000 04/01/06 04/01/06 K15/U56 4.8000 05/01/06 05/01/06 25 6.5500 0.0000 0.0000 A 9.5500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8980411 6.3900 280000.0000 100.0000 6.3900 279,481.46 ZZ 5.8900 1749.58 1 12.3900 1749.58 82 OVERLAND PARK KS 66223 11.8900 03/04/04 0437846645 6.3900 05/01/04 23 0005589539 5.8900 04/01/34 0.0000 0 5.1400 04/01/06 04/01/06 K15/U56 4.6400 05/01/06 05/01/06 25 6.3900 0.0000 0.0000 A 9.3900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8980423 6.0000 242200.0000 100.0000 6.0000 241,716.69 ZZ 5.5000 1452.11 1 12.0000 1452.11 85 BROOKLYN NY 11212 11.5000 03/16/04 0437827280 6.0000 05/01/04 23 0005599500 5.5000 04/01/34 0.0000 0 4.7500 04/01/06 04/01/06 K15/U56 4.2500 05/01/06 05/01/06 25 6.0000 0.0000 0.0000 A 9.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 07 00 O 0.0000 8980459 7.2000 144500.0000 100.0000 7.2000 144,271.62 ZZ 6.7000 980.85 1 13.2000 980.85 85 WINSTED CT 06098 12.7000 03/19/04 0437829542 7.2000 05/01/04 23 0006626332 6.7000 04/01/34 0.0000 0 5.9500 04/01/06 04/01/06 K15/U56 5.4500 05/01/06 05/01/06 25 7.2000 0.0000 0.0000 A 10.2000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8980479 7.0000 331500.0000 100.0000 7.0000 331,228.27 T 6.5000 2205.48 1 13.0000 2205.48 85 MIAMI FL 33178 12.5000 04/09/04 0437809510 7.0000 06/01/04 23 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247300.0000 100.0000 5.9900 246,805.45 ZZ 5.4900 1481.10 1 11.9900 1481.10 90 ROCKY POINT NY 11778 11.4900 03/16/04 0437826167 5.9900 05/01/04 23 0006647272 5.4900 04/01/34 0.0000 0 4.7400 04/01/06 04/01/06 K15/U56 4.2400 05/01/06 05/01/06 25 5.9900 0.0000 0.0000 A 8.9900 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8980573 7.7000 247400.0000 100.0000 7.7000 247,046.11 ZZ 7.2000 1763.86 1 13.7000 1763.86 90 BIRMINGHAM AL 35244 13.2000 03/04/04 0437812415 7.7000 05/01/04 23 0006647311 7.2000 04/01/34 0.0000 0 6.4500 04/01/06 04/01/06 K15/U56 5.9500 05/01/06 05/01/06 25 7.7000 0.0000 0.0000 A 10.7000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8980577 7.6300 178500.0000 100.0000 7.6300 178,241.04 ZZ 7.1300 1264.03 1 13.6300 1264.03 85 MIDDLETOWN CT 06457 13.1300 03/11/04 0437809437 7.6300 05/01/04 23 0006648192 7.1300 04/01/34 0.0000 0 6.3800 04/01/06 04/01/06 K15/U56 5.8800 05/01/06 05/01/06 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7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8982525 6.8750 83250.0000 100.0000 6.8750 83,180.06 ZZ 6.3750 546.89 1 12.8750 546.89 90 MILWAUKEE WI 53209 12.3750 04/13/04 0437790710 0.0000 06/01/04 23 0404130016S 0.0000 05/01/34 0.0000 0 8.0000 05/01/06 05/01/06 M63/U57 7.5000 06/01/06 06/01/06 25 6.8750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8982529 7.6250 129500.0000 100.0000 7.6250 129,406.27 ZZ 7.1250 916.59 1 13.6250 916.59 100 MADISON WI 53714 13.1250 04/16/04 0437792849 0.0000 06/01/04 23 0404080012S 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 M63/U57 7.2500 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8982535 7.9900 158000.0000 100.0000 7.9900 157,893.77 ZZ 7.4900 1158.25 1 13.9900 1158.25 100 GOODHUE MN 55027 13.4900 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736.28 95 WATERLOO IA 50701 13.1250 04/30/04 0437805120 7.6250 06/01/04 23 4102MO 7.1250 05/01/34 0.0000 0 7.5000 05/01/07 05/01/07 P48/U57 7.0000 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988107 7.5000 79500.0000 100.0000 7.5000 79,441.00 ZZ 7.0000 555.88 1 13.5000 555.88 100 HALSTAD MN 56548 13.0000 04/15/04 0437805815 0.0000 06/01/04 23 4062MO 0.0000 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 P48/U57 7.0000 06/01/06 06/01/06 45 7.5000 0.0000 0.0000 A 10.5000 6 6 360 9 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988173 6.8750 92000.0000 100.0000 6.8750 91,922.71 ZZ 6.5000 604.37 1 12.8750 604.37 90 CENTRAL SC 29630 12.5000 04/27/04 0420667909 0.0000 06/01/04 23 0420667909 0.0000 05/01/34 0.0000 0 7.1250 05/01/06 05/01/06 E22/U57 6.7500 06/01/06 06/01/06 25 7.1250 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988185 8.7500 209000.0000 100.0000 8.7500 209,000.00 ZZ 8.2500 1644.20 1 14.7500 1644.20 90 COMMERCE TOWNSH MI 48382 14.2500 04/28/04 0420699365 0.0000 07/01/04 23 0420699365 0.0000 06/01/34 0.0000 0 8.8750 06/01/06 06/01/06 E22/U57 8.3750 07/01/06 07/01/06 25 8.8750 0.0000 0.0000 A 11.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988189 8.3750 159620.0000 100.0000 8.3750 159,520.78 ZZ 7.8750 1213.23 1 14.3750 1213.23 90 CARTERSVILLE GA 30120 13.8750 05/03/04 0420699720 0.0000 06/01/04 23 0420699720 0.0000 05/01/34 0.0000 0 8.6250 05/01/06 05/01/06 E22/U57 8.1250 06/01/06 06/01/06 25 8.6250 0.0000 0.0000 A 11.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8988191 7.3750 99750.0000 100.0000 7.3750 99,674.10 ZZ 6.8750 688.95 1 13.3750 688.95 95 ATLANTIC IA 50022 12.8750 04/22/04 0437798382 7.3750 06/01/04 23 4078MO 6.8750 05/01/34 0.0000 0 7.3750 05/01/07 05/01/07 P48/U57 6.8750 06/01/07 06/01/07 25 7.3750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988205 8.2500 156400.0000 100.0000 8.2500 156,300.27 ZZ 7.7500 1174.98 1 14.2500 1174.98 100 CASPER WY 82609 13.7500 05/03/04 0420722639 0.0000 06/01/04 23 0420722639 0.0000 05/01/34 0.0000 0 9.2500 05/01/06 05/01/06 E22/U57 8.7500 06/01/06 06/01/06 25 9.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988465 8.1250 80750.0000 100.0000 8.1250 80,697.17 ZZ 7.6250 599.57 1 14.1250 599.57 95 NASHVILLE TN 37205 13.6250 04/27/04 0420484396 0.0000 06/01/04 23 0420484396 0.0000 05/01/34 0.0000 0 8.5000 05/01/07 05/01/07 E22/U57 8.0000 06/01/07 06/01/07 25 8.5000 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 01 00 O 0.0000 8988469 7.2500 113050.0000 100.0000 7.2500 113,050.00 ZZ 6.7500 771.20 1 13.2500 771.20 95 LAPLACE LA 70068 12.7500 04/28/04 0420491839 0.0000 07/01/04 23 0420491839 0.0000 06/01/34 0.0000 0 7.7500 06/01/06 06/01/06 E22/U57 7.2500 07/01/06 07/01/06 25 7.7500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988479 7.8750 87000.0000 100.0000 7.8750 86,940.13 ZZ 7.5000 630.81 1 13.8750 630.81 100 LITTLE ROCK AR 72211 13.5000 04/30/04 0420497802 0.0000 06/01/04 23 0420497802 0.0000 05/01/34 0.0000 0 8.2500 05/01/07 05/01/07 E22/U57 7.8750 06/01/07 06/01/07 25 8.2500 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988487 6.8750 90000.0000 100.0000 6.8750 89,924.39 ZZ 6.5000 591.24 1 12.8750 591.24 100 TULSA OK 74129 12.5000 04/27/04 0420499261 0.0000 06/01/04 23 0420499261 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988527 7.6250 100300.0000 100.0000 7.6250 100,217.32 ZZ 7.1250 709.92 1 13.6250 709.92 85 LOUISVILLE KY 40229 13.1250 04/28/04 0420577132 0.0000 06/01/04 23 0420577132 0.0000 05/01/34 0.0000 0 8.1250 05/01/06 05/01/06 E22/U57 7.6250 06/01/06 06/01/06 25 8.1250 0.0000 0.0000 A 10.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988569 6.8750 79325.0000 100.0000 6.8750 79,258.36 ZZ 6.5000 521.11 1 12.8750 521.11 95 ST CHARLES MO 63303 12.5000 05/03/04 0420615288 0.0000 06/01/04 23 0420615288 0.0000 05/01/34 0.0000 0 7.3750 05/01/06 05/01/06 E22/U57 7.0000 06/01/06 06/01/06 25 7.3750 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 01 00 O 0.0000 8988605 8.5000 57000.0000 100.0000 8.5000 56,965.47 ZZ 8.0000 438.28 1 14.5000 438.28 98 GRANITE CITY IL 62040 14.0000 04/28/04 0419949169 0.0000 06/01/04 23 0419949169 0.0000 05/01/34 0.0000 0 8.6250 05/01/06 05/01/06 E22/U57 8.1250 06/01/06 06/01/06 25 8.6250 0.0000 0.0000 A 11.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988607 6.1250 247200.0000 100.0000 6.1250 246,959.74 ZZ 5.7500 1502.01 1 12.1250 1502.01 80 WARWICK RI 02889 11.7500 04/27/04 0419986609 0.0000 06/01/04 00 0419986609 0.0000 05/01/34 0.0000 0 6.5000 05/01/06 05/01/06 E22/U57 6.1250 06/01/06 06/01/06 25 6.5000 0.0000 0.0000 A 9.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988611 8.6250 92500.0000 100.0000 8.6250 92,445.38 ZZ 8.2500 719.46 1 14.6250 719.46 100 OXFORD AL 36203 14.2500 05/03/04 0420020844 0.0000 06/01/04 23 0420020844 0.0000 05/01/34 0.0000 0 8.7500 05/01/06 05/01/06 E22/U57 8.3750 06/01/06 06/01/06 25 8.7500 0.0000 0.0000 A 11.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988613 8.2500 110000.0000 100.0000 8.2500 109,929.86 ZZ 7.8750 826.39 1 14.2500 826.39 100 CLARK LAKE MI 49234 13.8750 05/03/04 0420023640 0.0000 06/01/04 23 0420023640 0.0000 05/01/34 0.0000 0 8.8750 05/01/07 05/01/07 E22/U57 8.5000 06/01/07 06/01/07 25 8.8750 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988619 4.6250 225000.0000 100.0000 4.6250 224,710.38 ZZ 4.3750 1156.81 1 10.6250 1156.81 90 PINCKNEY MI 48169 10.3750 04/28/04 0420049645 0.0000 06/01/04 10 0420049645 0.0000 05/01/34 25.0000 0 2.2500 05/01/07 05/01/07 E22/U57 2.0000 06/01/07 06/01/07 45 2.6250 0.0000 0.0000 A 6.6250 12 12 360 L12 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 29 00 O 0.0000 8988621 8.1250 75000.0000 100.0000 8.1250 74,950.94 ZZ 7.6250 556.87 1 14.1250 556.87 95 BULL SHOALS AR 72619 13.6250 04/27/04 0420053993 0.0000 06/01/04 23 0420053993 0.0000 05/01/34 0.0000 0 8.2500 05/01/07 05/01/07 E22/U57 7.7500 06/01/07 06/01/07 25 8.2500 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988623 7.3750 290000.0000 100.0000 7.3750 289,779.33 ZZ 7.0000 2002.96 1 13.3750 2002.96 100 WEST BLOOMFIELD MI 48322 13.0000 04/27/04 0420066904 0.0000 06/01/04 23 0420066904 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988627 4.5000 330000.0000 100.0000 4.5000 329,565.44 ZZ 4.2500 1672.06 1 9.5000 1672.06 70 MISSION VIEJO CA 92691 9.2500 04/23/04 0420103392 0.0000 06/01/04 00 0420103392 0.0000 05/01/34 0.0000 0 2.2500 05/01/09 05/01/09 E22/U57 2.0000 06/01/09 06/01/09 45 2.2500 0.0000 0.0000 A 9.5000 12 12 360 L12 2.0000 2.0000 5.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 09 00 O 0.0000 8988643 6.6250 105000.0000 100.0000 6.6250 104,907.36 ZZ 6.2500 672.33 1 12.6250 672.33 80 NEW ORLEANS LA 70127 12.2500 04/27/04 0420185738 0.0000 06/01/04 00 0420185738 0.0000 05/01/34 0.0000 0 6.7500 05/01/06 05/01/06 E22/U57 6.3750 06/01/06 06/01/06 25 6.7500 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988645 8.2500 95900.0000 100.0000 8.2500 95,838.85 ZZ 7.8750 720.46 1 14.2500 720.46 100 BELLEVILLE IL 62221 13.8750 05/03/04 0420433104 0.0000 06/01/04 23 0420433104 0.0000 05/01/34 0.0000 0 8.5000 05/01/07 05/01/07 E22/U57 8.1250 06/01/07 06/01/07 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988655 8.0000 218500.0000 100.0000 8.0000 218,353.39 ZZ 7.5000 1603.28 1 14.0000 1603.28 95 BONITA SPRINGS FL 34134 13.5000 05/03/04 0420441982 0.0000 06/01/04 23 0420441982 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 E22/U57 7.8750 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 11.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988665 6.6250 118000.0000 100.0000 6.6250 117,858.89 ZZ 6.2500 755.57 1 12.6250 755.57 93 JEFFERSON LA 70121 12.2500 05/03/04 0420453102 0.0000 06/01/04 23 0420453102 0.0000 05/01/34 0.0000 0 7.2500 05/01/06 05/01/06 E22/U57 6.8750 06/01/06 06/01/06 25 7.2500 0.0000 0.0000 A 9.6250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988719 7.0000 124000.0000 100.0000 7.0000 123,898.35 ZZ 6.6250 824.98 1 13.0000 824.98 100 KENNESAW GA 30144 12.6250 05/03/04 0420409377 0.0000 06/01/04 23 0420409377 0.0000 05/01/34 0.0000 0 7.8750 05/01/07 05/01/07 E22/U57 7.5000 06/01/07 06/01/07 25 7.8750 0.0000 0.0000 A 10.0000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988759 7.2500 108300.0000 100.0000 7.2500 108,215.51 ZZ 6.8750 738.80 1 13.2500 738.80 95 KIMBERLING CITY MO 65686 12.8750 05/03/04 0420414740 0.0000 06/01/04 23 0420414740 0.0000 05/01/34 0.0000 0 7.6250 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988763 7.8750 109250.0000 100.0000 7.8750 109,174.81 ZZ 7.3750 792.14 1 13.8750 792.14 95 BRYANT AR 72022 13.3750 05/03/04 0420417339 0.0000 06/01/04 23 0420417339 0.0000 05/01/34 0.0000 0 8.3750 05/01/06 05/01/06 E22/U57 7.8750 06/01/06 06/01/06 25 8.3750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988769 6.8750 77250.0000 100.0000 6.8750 77,185.10 ZZ 6.5000 507.48 1 12.8750 507.48 100 ARDMORE OK 73401 12.5000 05/03/04 0420425738 0.0000 06/01/04 23 0420425738 0.0000 05/01/34 0.0000 0 7.6250 05/01/07 05/01/07 E22/U57 7.2500 06/01/07 06/01/07 25 7.6250 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988785 7.7500 112100.0000 100.0000 7.7500 112,020.88 ZZ 7.2500 803.10 1 13.7500 803.10 95 COUNCIL BLUFFS IA 51503 13.2500 04/27/04 0420553919 0.0000 06/01/04 23 0420553919 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.3750 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988793 7.7500 82650.0000 100.0000 7.7500 82,591.67 ZZ 7.2500 592.11 1 13.7500 592.11 95 HAZEL GREEN AL 35750 13.2500 05/03/04 0420555005 0.0000 06/01/04 23 0420555005 0.0000 05/01/34 0.0000 0 8.1250 05/01/07 05/01/07 E22/U57 7.6250 06/01/07 06/01/07 25 8.1250 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988795 6.8750 111000.0000 100.0000 6.8750 110,906.75 ZZ 6.5000 729.19 1 12.8750 729.19 95 PELHAM AL 35124 12.5000 04/28/04 0420556565 0.0000 06/01/04 23 0420556565 0.0000 05/01/34 0.0000 0 6.5000 05/01/06 05/01/06 E22/U57 6.1250 06/01/06 06/01/06 25 6.5000 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 09 00 O 0.0000 8988799 7.5000 127000.0000 100.0000 7.5000 126,905.75 ZZ 7.1250 888.00 1 13.5000 888.00 100 HILLSBORO MO 63050 13.1250 04/28/04 0420564874 0.0000 06/01/04 23 0420564874 0.0000 05/01/34 0.0000 0 7.6250 05/01/06 05/01/06 E22/U57 7.2500 06/01/06 06/01/06 25 7.6250 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988833 3.6250 155800.0000 100.0000 3.6250 155,560.12 ZZ 3.3750 710.53 1 9.6250 710.53 45 BAY POINT CA 94565 9.3750 04/27/04 0420627374 0.0000 06/01/04 00 0420627374 0.0000 05/01/34 0.0000 0 2.2500 05/01/05 05/01/05 E22/U57 2.0000 06/01/05 06/01/05 45 2.2500 0.0000 0.0000 A 5.6250 12 12 360 L12 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8988839 7.3750 62700.0000 100.0000 7.3750 62,700.00 ZZ 7.0000 433.05 1 13.3750 433.05 95 COLUMBIA MO 65202 13.0000 05/03/04 0420631681 0.0000 07/01/04 23 0420631681 0.0000 06/01/34 0.0000 0 7.7500 06/01/06 06/01/06 E22/U57 7.3750 07/01/06 07/01/06 25 7.7500 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988889 7.5000 164400.0000 100.0000 7.5000 164,277.99 ZZ 7.1250 1149.51 1 13.5000 1149.51 95 EVANS CO 80538 13.1250 04/30/04 0420644858 0.0000 06/01/04 23 0420644858 0.0000 05/01/34 0.0000 0 7.8750 05/01/06 05/01/06 E22/U57 7.5000 06/01/06 06/01/06 25 7.8750 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8988895 4.5000 156000.0000 100.0000 4.5000 155,794.57 ZZ 4.2500 790.43 1 10.5000 790.43 80 NORTH PALM BEAC FL 33408 10.2500 05/03/04 0420657934 0.0000 06/01/04 00 0420657934 0.0000 05/01/34 0.0000 0 2.2500 05/01/07 05/01/07 E22/U57 2.0000 06/01/07 06/01/07 45 2.5000 0.0000 0.0000 A 6.5000 12 12 360 L12 2.0000 2.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8988899 7.8750 50000.0000 100.0000 7.8750 49,965.60 ZZ 7.3750 362.53 1 13.8750 362.53 91 SPRINGFIELD MO 65807 13.3750 04/28/04 0420661084 0.0000 06/01/04 23 0420661084 0.0000 05/01/34 0.0000 0 8.3750 05/01/07 05/01/07 E22/U57 7.8750 06/01/07 06/01/07 25 8.3750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8988961 7.7500 137000.0000 100.0000 7.7500 136,903.31 ZZ 7.2500 981.48 1 13.7500 981.48 88 CAPE CORAL FL 33991 13.2500 04/08/04 0437798408 0.0000 06/01/04 23 6106FS 0.0000 05/01/34 0.0000 0 7.7500 05/01/06 05/01/06 P48/U57 7.2500 06/01/06 06/01/06 45 7.7500 0.0000 0.0000 A 10.7500 6 6 360 9 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8989515 8.7500 115805.0000 100.0000 8.7500 115,671.26 ZZ 8.2500 911.04 1 14.7500 911.04 95 BURLINGTON NC 27217 14.2500 04/30/04 0437834039 0.0000 05/30/04 23 2200001898 0.0000 04/30/34 0.0000 0 9.1250 04/30/06 04/30/06 N74/U57 8.6250 05/30/06 05/30/06 25 9.1250 0.0000 0.0000 A 11.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8989557 7.8500 95000.0000 100.0000 7.8500 94,868.15 ZZ 7.3500 687.17 1 13.8500 687.17 100 GREENVILLE VA 24440 13.3500 04/30/04 0437811912 0.0000 05/30/04 23 220001925 0.0000 04/30/34 0.0000 0 9.3750 04/30/06 04/30/06 N74/U57 8.8750 05/30/06 05/30/06 25 9.3750 0.0000 0.0000 A 10.8500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8989839 7.7500 145065.0000 100.0000 7.7500 144,962.62 ZZ 7.2500 1039.26 1 13.7500 1039.26 95 MACON GA 31206 13.2500 04/20/04 0437806078 7.7500 06/01/04 23 C04216 7.2500 05/01/34 0.0000 0 7.5000 05/01/06 05/01/06 T76/U56 7.0000 06/01/06 06/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8990029 7.8750 82800.0000 100.0000 7.8750 82,800.00 ZZ 7.3750 600.36 1 13.8750 600.36 90 HAMMOND IN 46320 13.3750 04/27/04 0437806961 7.8750 07/01/04 23 12677 7.3750 06/01/34 0.0000 0 8.6350 06/01/06 06/01/06 T76/U56 8.1350 07/01/06 07/01/06 25 7.8750 0.0000 0.0000 A 10.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8990527 6.9900 110000.0000 100.0000 6.9900 109,818.79 ZZ 6.4900 731.09 1 12.9900 731.09 100 EDWARDSBURG MI 49112 12.4900 04/19/04 0437810831 6.9900 05/23/04 23 0000010522 6.4900 04/23/34 0.0000 0 7.1900 04/23/06 04/23/06 T51/U56 6.6900 05/23/06 05/23/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8990911 7.5000 171000.0000 100.0000 7.5000 170,873.09 ZZ 7.1250 1195.66 1 13.5000 1195.66 99 GILBERT AZ 85297 13.1250 04/30/04 0437840754 0.0000 06/01/04 23 1044002081 0.0000 05/01/34 0.0000 0 8.2500 05/01/06 05/01/06 W40/U57 7.8750 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8990913 8.2500 156600.0000 100.0000 8.2500 156,399.61 ZZ 7.7500 1176.48 1 14.2500 1176.48 90 SOPHIA NC 27350 13.7500 04/26/04 0437819279 0.0000 05/30/04 23 2200001880 0.0000 04/30/34 0.0000 0 8.7500 04/30/06 04/30/06 N74/U57 8.2500 05/30/06 05/30/06 25 8.7500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991001 7.3750 148000.0000 100.0000 7.3750 147,774.07 ZZ 7.0000 1022.20 1 13.3750 1022.20 98 WEST DES MOINES IA 50265 13.0000 04/22/04 0437815608 0.0000 05/27/04 23 2200001864 0.0000 04/27/34 0.0000 0 7.8750 04/27/06 04/27/06 N74/U57 7.5000 05/27/06 05/27/06 25 7.8750 0.0000 0.0000 A 10.3750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991053 8.1250 118893.0000 100.0000 8.1250 118,815.22 ZZ 7.6250 882.78 1 14.1250 882.78 91 CHARLOTTE NC 28277 13.6250 04/27/04 0437841257 0.0000 06/03/04 23 2200001878 0.0000 05/03/34 0.0000 0 8.5000 05/03/06 05/03/06 N74/U57 8.0000 06/03/06 06/03/06 25 8.5000 0.0000 0.0000 A 11.1250 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 07 00 O 0.0000 8991167 7.2500 145350.0000 100.0000 7.2500 145,236.62 ZZ 6.7500 991.54 1 13.2500 991.54 95 HOLLY MI 48442 12.7500 04/26/04 0437820590 0.0000 06/01/04 23 00000250312 0.0000 05/01/34 0.0000 0 7.0000 04/01/06 04/01/06 X64/U57 6.5000 05/01/06 05/01/06 25 7.0000 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8991175 6.8750 225000.0000 100.0000 6.8750 225,000.00 ZZ 6.5000 1478.09 1 12.8750 1478.09 90 WINFIELD IL 60190 12.5000 04/27/04 0437821010 0.0000 07/01/04 23 00000025959 0.0000 06/01/34 0.0000 0 7.2500 06/01/07 06/01/07 X64/U57 6.8750 07/01/07 07/01/07 25 7.2500 0.0000 0.0000 A 9.8750 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991321 8.2500 194655.0000 100.0000 8.2500 194,530.87 ZZ 7.7500 1462.38 1 14.2500 1462.38 95 BEL AIR MD 21014 13.7500 05/03/04 0437817851 8.2500 06/01/04 23 38400400216 7.7500 05/01/34 0.0000 0 9.1000 05/01/06 05/01/06 T76/U56 8.6000 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8991323 7.4500 122700.0000 100.0000 7.4500 122,608.02 ZZ 6.9500 853.74 1 14.4500 853.74 95 GREEN BAY WI 54303 13.9500 04/13/04 0437823545 7.4500 06/01/04 23 72040347 6.9500 05/01/34 0.0000 0 7.4500 05/01/07 05/01/07 A38/U57 6.9500 06/01/07 06/01/07 10 7.4500 0.0000 0.0000 A 10.4500 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991325 7.2000 53000.0000 100.0000 7.2000 52,916.23 ZZ 6.7000 359.76 1 14.2000 359.76 100 FLINT MI 48504 13.7000 03/19/04 0437822752 7.2000 05/01/04 23 64040312 6.7000 04/01/34 0.0000 0 6.9500 04/01/06 04/01/06 A38/U57 6.4500 05/01/06 05/01/06 25 7.2000 0.0000 0.0000 A 10.2000 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991327 8.2500 72050.0000 100.0000 8.2500 71,911.21 ZZ 7.7500 541.29 1 15.2500 541.29 100 HOUSTON TX 77023 14.7500 02/25/04 0437820848 8.2500 04/01/04 23 71040051 7.7500 03/01/34 0.0000 0 8.0000 03/01/06 03/01/06 A38/U57 7.5000 04/01/06 04/01/06 10 8.2500 0.0000 0.0000 A 11.2500 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8991331 7.9900 124357.0000 100.0000 7.9900 124,189.20 ZZ 7.4900 911.63 1 14.9900 911.63 95 WESLEY CHAPEL FL 33544 14.4900 03/31/04 0437822216 7.9900 05/01/04 23 40046151 7.4900 04/01/34 0.0000 0 7.7400 04/01/06 04/01/06 A38/U57 7.2400 05/01/06 05/01/06 10 7.9900 0.0000 0.0000 A 10.9900 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8991333 8.8000 112100.0000 100.0000 8.8000 111,957.67 ZZ 8.3000 885.90 1 15.8000 885.90 95 ALGOOD TN 38506 15.3000 03/20/04 0437821655 8.5500 05/01/04 23 66040170 8.0500 04/01/34 0.0000 0 8.5500 04/01/06 04/01/06 A38/U57 8.0500 05/01/06 05/01/06 10 8.5500 0.0000 0.0000 A 11.8000 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.2500 1 0 0.0000 05 00 O 0.0000 8991335 8.6250 143600.0000 100.0000 8.6250 143,429.83 T 8.1250 1116.91 1 15.6250 1116.91 95 ORANGE PARK FL 32065 15.1250 03/16/04 0437819543 8.6250 05/01/04 23 20046163 8.1250 04/01/34 0.0000 0 8.3750 04/01/06 04/01/06 A38/U57 7.8750 05/01/06 05/01/06 10 8.6250 0.0000 0.0000 A 11.6250 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 03 00 O 0.0000 8991339 7.7000 178000.0000 100.0000 7.7000 177,745.38 ZZ 7.2000 1269.07 1 14.7000 1269.07 100 CHESTERFIELD MI 48047 14.2000 03/25/04 0437821796 7.4500 05/01/04 23 66040148 6.9500 04/01/34 0.0000 0 7.4500 04/01/06 04/01/06 A38/U57 6.9500 05/01/06 05/01/06 10 7.4500 0.0000 0.0000 A 10.7000 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.2500 5 0 0.0000 05 00 O 0.0000 8991347 7.4900 178000.0000 100.0000 7.4900 177,734.43 ZZ 6.9900 1243.39 1 14.4900 1243.39 100 INVER GROVE HEI MN 55076 13.9900 03/11/04 0437821036 7.2400 05/01/04 23 66040752 6.7400 04/01/34 0.0000 0 7.2400 04/01/06 04/01/06 A38/U57 6.7400 05/01/06 05/01/06 10 7.2400 0.0000 0.0000 A 10.4900 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.2500 5 0 0.0000 05 00 O 0.0000 8991349 7.7500 83000.0000 100.0000 7.7500 82,882.46 ZZ 7.2500 594.62 1 14.7500 594.62 100 PEORIA AZ 85345 14.2500 03/09/04 0437821648 7.7500 05/01/04 23 64040226 7.2500 04/01/34 0.0000 0 7.5000 04/01/06 04/01/06 A38/U57 7.0000 05/01/06 05/01/06 25 7.7500 0.0000 0.0000 A 10.7500 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8991351 8.7500 82650.0000 100.0000 8.7500 82,554.55 ZZ 8.2500 650.21 1 15.7500 650.21 95 LARGO FL 33773 15.2500 03/11/04 0437821820 8.7500 05/01/04 23 63040201 8.2500 04/01/34 0.0000 0 8.5000 04/01/06 04/01/06 A38/U57 8.0000 05/01/06 05/01/06 25 8.7500 0.0000 0.0000 A 11.7500 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8991353 7.2000 220000.0000 100.0000 7.2000 219,826.67 ZZ 6.7000 1493.33 1 14.2000 1493.33 100 GLENDALE HEIGHT IL 60139 13.7000 04/13/04 0437823156 7.2000 06/01/04 23 72040303 6.7000 05/01/34 0.0000 0 6.9500 05/01/06 05/01/06 A38/U57 6.4500 06/01/06 06/01/06 25 7.2000 0.0000 0.0000 A 10.2000 6 6 360 E 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991495 7.1250 168100.0000 100.0000 7.1250 167,965.57 ZZ 6.6250 1132.52 1 14.1250 1132.52 95 ORANGE PARK FL 32065 13.6250 04/01/04 0437820913 7.1250 06/01/04 23 20046234 6.6250 05/01/34 0.0000 0 6.8750 05/01/06 05/01/06 A38/U57 6.3750 06/01/06 06/01/06 10 7.1250 0.0000 0.0000 A 10.1250 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8991497 8.2000 55200.0000 100.0000 8.2000 55,164.43 ZZ 7.7000 412.77 1 15.2000 412.77 80 KANSAS CITY MO 64132 14.7000 04/07/04 0437820954 7.9500 06/01/04 00 66040944 7.4500 05/01/34 0.0000 0 7.9500 05/01/06 05/01/06 A38/U57 7.4500 06/01/06 06/01/06 10 7.9500 0.0000 0.0000 A 11.2000 6 6 360 9A 1.5000 1.5000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.2500 5 0 0.0000 05 00 N 0.0000 8991559 7.5900 77000.0000 100.0000 7.5900 76,886.54 ZZ 7.0900 543.15 1 13.5900 543.15 98 VALPARAISO IN 46383 13.0900 04/06/04 0437814205 7.5900 05/12/04 23 0000010475 7.0900 04/12/34 0.0000 0 7.9900 04/12/06 04/12/06 T51/U56 7.4900 05/12/06 05/12/06 45 7.5900 0.0000 0.0000 A 10.5900 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991567 7.5900 153000.0000 100.0000 7.5900 152,776.27 ZZ 7.0900 1079.24 1 13.5900 1079.24 100 OSHKOSH WI 54902 13.0900 04/14/04 0437810096 7.5900 05/19/04 23 0000010507 7.0900 04/19/34 0.0000 0 7.9900 04/19/06 04/19/06 T51/U56 7.4900 05/19/06 05/19/06 45 7.5900 0.0000 0.0000 A 10.5900 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991589 6.6000 153900.0000 100.0000 6.6000 153,626.35 ZZ 6.1000 982.90 1 12.6000 982.90 90 JEFFERSON WI 53549 12.1000 04/22/04 0437812522 6.6000 05/27/04 23 0000010538 6.1000 04/27/34 0.0000 0 6.7900 04/27/06 04/27/06 T51/U56 6.2900 05/27/06 05/27/06 45 6.6000 0.0000 0.0000 A 9.6000 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991679 6.9900 90000.0000 100.0000 6.9900 89,851.73 ZZ 6.4900 598.17 1 12.9900 598.17 100 HAMMOND IN 46324 12.4900 04/20/04 0437811847 6.9900 05/26/04 23 0000010528 6.4900 04/26/34 0.0000 0 7.0900 04/26/06 04/26/06 T51/U56 6.5900 05/26/06 05/26/06 45 6.9900 0.0000 0.0000 A 9.9900 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991715 7.1000 85500.0000 100.0000 7.1000 85,362.17 ZZ 6.6000 574.59 1 13.1000 574.59 95 BROOKVILLE IN 47012 12.6000 04/19/04 0437810872 7.1000 05/23/04 23 0000010523 6.6000 04/23/34 0.0000 0 7.2500 04/23/06 04/23/06 T51/U56 6.7500 05/23/06 05/23/06 45 7.1000 0.0000 0.0000 A 10.1000 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991847 7.2000 140000.0000 100.0000 7.2000 139,778.74 ZZ 6.7000 950.30 1 13.2000 950.30 100 WAUKESHA WI 53186 12.7000 04/02/04 0437815798 7.2000 05/20/04 23 0000010466 6.7000 04/20/34 0.0000 0 7.4900 04/20/06 04/20/06 T51/U56 6.9900 05/20/06 05/20/06 45 7.2000 0.0000 0.0000 A 10.2000 6 6 360 R 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8991857 7.2500 241300.0000 100.0000 7.2500 241,111.76 ZZ 6.7500 1646.09 1 13.2500 1646.09 95 GREENSBORO NC 27410 12.7500 04/27/04 0437889363 0.0000 06/03/04 23 2200001883 0.0000 05/03/34 0.0000 0 7.7500 05/03/06 05/03/06 N74/U57 7.2500 06/03/06 06/03/06 25 7.7500 0.0000 0.0000 A 10.2500 6 6 360 E 1.0000 1.0000 6.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 03 00 O 0.0000 8992013 6.0900 159300.0000 100.0000 6.0900 159,144.12 ZZ 5.5900 964.33 1 13.0900 964.33 90 JACKSONVILLE FL 32225 12.5900 04/23/04 0437837404 0.0000 06/01/04 23 1003980033 0.0000 05/01/34 0.0000 0 5.7500 05/01/07 05/01/07 W02/U56 5.2500 06/01/07 06/01/07 25 6.0900 0.0000 0.0000 A 9.0900 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8992015 6.8200 300000.0000 100.0000 6.8200 299,745.22 ZZ 6.3200 1959.78 1 13.8200 1959.78 90 PEMBROKE PINES FL 33028 13.3200 04/24/04 0437837065 6.8200 06/01/04 23 1003989936 6.3200 05/01/34 0.0000 0 6.4800 05/01/07 05/01/07 W02/U56 5.9800 06/01/07 06/01/07 25 6.8200 0.0000 0.0000 A 9.8200 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 03 00 O 0.0000 8992023 7.9900 165000.0000 100.0000 7.9900 164,551.80 ZZ 7.4900 1209.56 1 14.9900 1209.56 100 YPSILANTI MI 48198 14.4900 01/09/04 0437843154 7.9900 03/01/04 23 0090002836 7.4900 02/01/34 0.0000 0 8.2500 02/01/06 02/01/06 W02/U56 7.7500 03/01/06 03/01/06 25 7.9900 0.0000 0.0000 A 10.9900 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992025 8.3800 95000.0000 100.0000 8.3800 94,941.02 ZZ 7.8800 722.40 1 15.3800 722.40 95 PORTSMOUTH VA 23701 14.8800 04/14/04 0437835119 8.3800 06/01/04 23 0090006260 7.8800 05/01/34 0.0000 0 7.8800 05/01/06 05/01/06 W02/U56 7.3800 06/01/06 06/01/06 25 8.3800 0.0000 0.0000 A 11.3800 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8992027 7.5000 75000.0000 100.0000 7.5000 74,888.33 ZZ 7.0000 524.41 1 14.5000 524.41 100 MILWAUKEE WI 53209 14.0000 03/31/04 0437842388 7.5000 05/01/04 23 0090006814 7.0000 04/01/34 0.0000 0 6.8800 04/01/06 04/01/06 W02/U56 6.3800 05/01/06 05/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992029 7.6300 50775.0000 100.0000 7.6300 50,701.33 ZZ 7.1300 359.56 1 14.6300 359.56 100 WILLCOX AZ 85643 14.1300 03/26/04 0437842081 7.6300 05/01/04 23 0090006840 7.1300 04/01/34 0.0000 0 8.8800 04/01/06 04/01/06 W02/U56 8.3800 05/01/06 05/01/06 25 7.6300 0.0000 0.0000 A 10.6300 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992033 7.6300 150875.0000 100.0000 7.6300 150,656.13 ZZ 7.1300 1068.40 2 14.6300 1068.40 85 LOS ANGELES CA 90044 14.1300 03/26/04 0437855059 7.6300 05/01/04 23 0090007204 7.1300 04/01/34 0.0000 0 8.0000 04/01/06 04/01/06 W02/U56 7.5000 05/01/06 05/01/06 25 7.6300 0.0000 0.0000 A 10.6300 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992035 7.1500 124000.0000 100.0000 7.1500 123,901.33 ZZ 6.6500 837.50 1 14.1500 837.50 100 GREER SC 29651 13.6500 04/20/04 0437843253 7.1500 06/01/04 23 0090007557 6.6500 05/01/34 0.0000 0 8.4000 05/01/06 05/01/06 W02/U56 7.9000 06/01/06 06/01/06 25 7.1500 0.0000 0.0000 A 10.1500 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992037 7.5000 111900.0000 100.0000 7.5000 111,816.96 ZZ 7.0000 782.42 1 14.5000 782.42 100 MESA AZ 85203 14.0000 04/12/04 0437861545 7.5000 06/01/04 23 0090007608 7.0000 05/01/34 0.0000 0 8.8800 05/01/06 05/01/06 W02/U56 8.3800 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992049 7.8000 134000.0000 100.0000 7.8000 133,906.37 ZZ 7.3000 964.63 1 14.8000 964.63 99 RICHMOND VA 23228 14.3000 04/02/04 0437834880 7.8000 06/01/04 23 0090007845 7.3000 05/01/34 0.0000 0 7.8800 05/01/06 05/01/06 W02/U56 7.3800 06/01/06 06/01/06 25 7.8000 0.0000 0.0000 A 10.8000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992051 7.5000 92500.0000 100.0000 7.5000 92,431.36 ZZ 7.0000 646.77 1 14.5000 646.77 100 LIMA OH 45805 14.0000 04/21/04 0437835051 7.5000 06/01/04 23 0090007851 7.0000 05/01/34 0.0000 0 7.7300 05/01/06 05/01/06 W02/U56 7.2300 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 2 0 0.0000 05 00 O 0.0000 8992059 8.0000 85000.0000 100.0000 8.0000 84,942.97 ZZ 7.5000 623.70 1 15.0000 623.70 100 EASLEY SC 29642 14.5000 04/01/04 0437835911 0.0000 06/01/04 23 0090008128 0.0000 05/01/34 0.0000 0 6.3800 05/01/06 05/01/06 W02/U56 5.8800 06/01/06 06/01/06 25 8.0000 0.0000 0.0000 A 11.0000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 O 0.0000 8992067 9.0000 59900.0000 100.0000 9.0000 59,867.28 ZZ 8.5000 481.97 1 16.0000 481.97 89 GREEN BAY WI 54301 15.5000 04/23/04 0437834948 9.0000 06/01/04 23 0090008363 8.5000 05/01/34 0.0000 0 8.8800 05/01/06 05/01/06 W02/U56 8.3800 06/01/06 06/01/06 25 9.0000 0.0000 0.0000 A 12.0000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992077 7.5000 97200.0000 100.0000 7.5000 97,127.86 ZZ 7.0000 679.64 1 14.5000 679.64 90 DETROIT MI 48234 14.0000 04/08/04 0437838881 7.5000 06/01/04 23 0090008456 7.0000 05/01/34 0.0000 0 8.1300 05/01/06 05/01/06 W02/U56 7.6300 06/01/06 06/01/06 25 7.5000 0.0000 0.0000 A 10.5000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992085 7.4900 129900.0000 100.0000 7.4900 129,706.20 ZZ 6.9900 907.39 1 14.4900 907.39 100 MISHAWAKA IN 46544 13.9900 03/31/04 0437867609 7.4900 05/01/04 23 0090008647 6.9900 04/01/34 0.0000 0 7.8800 04/01/06 04/01/06 W02/U56 7.3800 05/01/06 05/01/06 25 7.4900 0.0000 0.0000 A 10.4900 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992093 7.6300 80750.0000 100.0000 7.6300 80,691.62 ZZ 7.1300 571.82 1 14.6300 571.82 95 DETROIT MI 48029 14.1300 04/16/04 0437854565 7.6300 06/01/04 23 0090008899 7.1300 05/01/34 0.0000 0 7.8800 05/01/06 05/01/06 W02/U56 7.3800 06/01/06 06/01/06 25 7.6300 0.0000 0.0000 A 10.6300 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992095 8.6500 84000.0000 100.0000 8.6500 83,950.66 ZZ 8.1500 654.84 1 15.6500 654.84 99 CINCINNATI OH 45207 15.1500 04/20/04 0437842552 8.6500 06/01/04 23 0090008951 8.1500 05/01/34 0.0000 0 8.5300 05/01/06 05/01/06 W02/U56 8.0300 06/01/06 06/01/06 25 8.6500 0.0000 0.0000 A 11.6500 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992097 7.8500 73500.0000 100.0000 7.8500 73,449.16 ZZ 7.3500 531.65 1 14.8500 531.65 100 MACHESNEY PARK IL 61115 14.3500 04/15/04 0437842123 7.8500 06/01/04 23 0090008984 7.3500 05/01/34 0.0000 0 7.2300 05/01/06 05/01/06 W02/U56 6.7300 06/01/06 06/01/06 25 7.8500 0.0000 0.0000 A 10.8500 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992099 7.9900 92500.0000 100.0000 7.9900 92,437.81 ZZ 7.4900 678.09 1 14.9900 678.09 100 NAPPANEE IN 46550 14.4900 04/16/04 0437832306 7.9900 06/01/04 23 0090008993 7.4900 05/01/34 0.0000 0 8.3800 05/01/06 05/01/06 W02/U56 7.8800 06/01/06 06/01/06 25 7.9900 0.0000 0.0000 A 10.9900 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992115 8.5000 71100.0000 100.0000 8.5000 71,056.92 ZZ 8.0000 546.70 1 15.5000 546.70 100 TERRE HAUTE IN 47802 15.0000 04/23/04 0437831373 8.5000 06/01/04 23 0090009349 8.0000 05/01/34 0.0000 0 8.8800 05/01/06 05/01/06 W02/U56 8.3800 06/01/06 06/01/06 25 8.5000 0.0000 0.0000 A 11.5000 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992119 7.9900 123000.0000 100.0000 7.9900 122,917.30 ZZ 7.4900 901.67 1 14.9900 901.67 100 WEST ALLIS WI 53214 14.4900 04/12/04 0437842032 7.9900 06/01/04 23 0090009406 7.4900 05/01/34 0.0000 0 8.6300 05/01/06 05/01/06 W02/U56 8.1300 06/01/06 06/01/06 25 7.9900 0.0000 0.0000 A 10.9900 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992121 6.6500 79200.0000 100.0000 6.6500 79,130.46 ZZ 6.1500 508.44 1 13.6500 508.44 90 GRAND RAPIDS MI 49507 13.1500 04/16/04 0437842578 6.6500 06/01/04 23 0090009415 6.1500 05/01/34 0.0000 0 7.3800 05/01/06 05/01/06 W02/U56 6.8800 06/01/06 06/01/06 25 6.6500 0.0000 0.0000 A 9.6500 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 5 0 0.0000 05 00 N 0.0000 8992123 8.2500 72800.0000 100.0000 8.2500 72,753.58 ZZ 7.7500 546.92 1 15.2500 546.92 85 BONDUEL WI 54107 14.7500 04/30/04 0437842800 8.2500 06/01/04 23 0090009466 7.7500 05/01/34 0.0000 0 7.6300 05/01/06 05/01/06 W02/U56 7.1300 06/01/06 06/01/06 25 8.2500 0.0000 0.0000 A 11.2500 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992125 7.2900 78000.0000 100.0000 7.2900 77,939.63 ZZ 6.7900 534.22 1 14.2900 534.22 100 LORAIN OH 44052 13.7900 04/20/04 0437838691 7.2900 06/01/04 23 0090009528 6.7900 05/01/34 0.0000 0 6.1800 05/01/06 05/01/06 W02/U56 5.6800 06/01/06 06/01/06 25 7.2900 0.0000 0.0000 A 10.2900 6 6 360 E 1.0000 1.0000 7.0000 S N 0.1250 0.0000 S N 0.1250 0.0000 1 0 0.0000 05 00 O 0.0000 8992127 6.7300 103500.0000 100.0000 6.7300 103,380.46 ZZ 6.2300 669.92 1 13.7300 669.92 90 LATTA SC 29565 13.2300 04/30/04 0437842685 6.7300 06/01/04 23 0090011808 6.2300 05/01/34 0.0000 0 6.8800 05/01/06 05/01/06 W02/U56 6.3800 06/01/06 06/01/06 25 6.7300 0.0000 0.0000 A 9.7300 6 6 360 E 1.0000 1.0000 7.0000

RAMP Series 2004-RS6 Trust 8-K