Common use of Acts of Certificateholders Clause in Contracts

Acts of Certificateholders. XIII-1 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 Governing Law............................................XIII-2 Section 13.06 Notices..................................................XIII-2 Section 13.07 Severability of Provisions...............................XIII-3 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 Successors and Assigns...................................XIII-3 Section 13.11 Headings.................................................XIII-3 Section 13.12 Paying Agent.............................................XIII-3 Section 13.13 Notification to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Request for Release of Documents EXHIBIT J Form of Liquidation Report EXHIBIT K Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Letter EXHIBIT O-2 Form of Rule 144A Certification

Acts of Certificateholders. XIII-1 115 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 11.06 Governing Law............................................XIII-2 ....................................................................116 Section 13.06 11.07 Notices..................................................XIII-2 ..........................................................................116 Section 13.07 11.08 Severability of Provisions...............................XIII-3 .......................................................117 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 ...........................................................117 Section 13.11 11.10 Article and Section Headings.................................................XIII-3 .....................................................117 Section 13.12 Paying Agent.............................................XIII-3 11.11 Counterparts.....................................................................117 Section 13.13 Notification 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 ........................................................117 EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 and Class M Certificates Exhibit A-2 - Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Certificates Exhibit A-3 - Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA of Class R Certificates Exhibit B - Mortgage Loan Schedule EXHIBIT I Exhibit C - [Reserved] Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E-1 - Form of Liquidation Report EXHIBIT K Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Transferor Certificate Exhibit F-1 - Form of Transferee Transferor Representation Letter EXHIBIT O-2 Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A CertificationLetter Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - Form Certification to be Provided by the Master Servicer with Form 10-K POOLING AND SERVICING AGREEMENT ------------------------------- This Pooling and Servicing Agreement is dated as of January 1, 2005 (the "Agreement"), among XXXXXXX XXXXX MORTGAGE INVESTORS, INC., as depositor (the "Depositor"), XXXXX FARGO BANK, N.A., as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator") and WACHOVIA BANK, NATIONAL ASSOCIATION, as trustee (the "Trustee").

Acts of Certificateholders. XIII-1 Section 13.02 Amendment....................................................................................................................................... XIII-1 Section 13.03 Recordation of Agreement......................................................................................................... XIII-2 Section 13.04 Duration of Agreement............................................................................................................... XIII-2 Section 13.05 Governing Law............................................................................................................................... XIII-2 Section 13.06 Notices........................................................................................................................................... XIII-2 Section 13.07 Severability of Provisions..................................................................................................... XIII-3 Section 13.08 No Partnership............................................................................................................................. XIII-3 Section 13.09 Counterparts................................................................................................................................. XIII-3 Section 13.10 Successors and Assigns............................................................................................................. XIII-3 Section 13.11 Headings......................................................................................................................................... XIII-3 Section 13.12 Paying Agent.............................................XIII-3 Section .................................................................................... XIII-4 13.13 Notification to Rating Agencies..........................Agency................................................................... XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 .............................................................................. XIII-5 13.15 Inconsistencies................................................................................. XIII-5 (ivv) 7 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Form of Class M Certificate EXHIBIT B-3 Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Request for Release of Documents EXHIBIT J Form of Liquidation Report EXHIBIT K Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Diskette Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Letter EXHIBIT O-2 Form of Rule 144A CertificationCertification EXHIBIT P List of SBA Loans with lost SBA Notes

Acts of Certificateholders. XIII-1 126 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 11.06 Governing Law............................................XIII-2 ............................................................................127 Section 13.06 11.07 Notices..................................................XIII-2 ..................................................................................127 Section 13.07 11.08 Severability of Provisions...............................XIII-3 ...............................................................128 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 ...................................................................128 Section 13.11 11.10 Article and Section Headings.................................................XIII-3 .............................................................128 Section 13.12 Paying Agent.............................................XIII-3 11.11 Counterparts.............................................................................128 Section 13.13 Notification 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 ................................................................128 EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 Certificates and Class X Certificates Exhibit A-2 - Form of Class M Certificates and Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Certificates Exhibit A-3 - Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA of Class R Certificates Exhibit B - Mortgage Loan Schedule EXHIBIT I Exhibit C - [Reserved] Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E - Form of Liquidation Report EXHIBIT K Affidavit pursuant to Section 860E(e)(4) Exhibit F-1 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Investment Letter EXHIBIT O-2 Exhibit F-2 - Form of Rule 144A Certificationand Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-7 - Servicing Agreements Exhibit I - Assignment Agreements Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - Form of Subsequent Mortgage Loan Purchase Agreement Exhibit L - Form of Subsequent Transfer Instrument POOLING AND SERVICING AGREEMENT Pooling and Servicing Agreement dated as of December 1, 2004, among Structured Asset Mortgage Investments II Inc., a Delaware corporation, as depositor (the "Depositor"), U.S. Bank National Association, a national banking association, not in its individual capacity but solely as trustee (the "Trustee"), Wells Fargo Bank, N.A., as master servicer (in such capacity, the "Masxxx Xervicer") and as securities administrator (in such capacity, the "Securities Administrator"), and EMC Mortgage Corporation, as seller (in such capacity, the "Seller") and as company (in such capacity, the "Company").

Acts of Certificateholders. XIII-1 104 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 11.06 Governing Law............................................XIII-2 ...............................................................105 Section 13.06 11.07 Notices..................................................XIII-2 .....................................................................105 Section 13.07 11.08 Severability of Provisions...............................XIII-3 ..................................................105 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 ......................................................106 Section 13.11 11.10 Article and Section Headings.................................................XIII-3 ................................................106 Section 13.12 Paying Agent.............................................XIII-3 11.11 Counterparts................................................................106 Section 13.13 Notification 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 ...................................................106 EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 Certificates Exhibit A-2 - Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Certificates Exhibit A-3 - Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA of Class R Certificates Exhibit B - Mortgage Loan Schedule EXHIBIT I Exhibit C - [Reserved] Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E - Form of Liquidation Report EXHIBIT K Affidavit pursuant to Section 860E(e)(4) Exhibit F-1 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Investment Letter EXHIBIT O-2 Exhibit F-2 - Form of Rule 144A Certificationand Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I - Assignment Agreements Exhibit J - Mortgage Loan Purchase Agreement POOLING AND SERVICING AGREEMENT ------------------------------- Pooling and Servicing Agreement dated as of October 1, 2001, among Structured Asset Mortgage Investments Inc., a Delaware corporation, as seller (the "Seller"), Bank One, National Association, a national banking association, not in its individual capacity but solely as trustee (the "Trustee"), Wells Fargo Bank Mixxxxxta, National Association, as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator"), and EMC Mortgage Corporation ("EMC").

Acts of Certificateholders. XIII-1 116 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 11.06 Governing Law............................................XIII-2 .........................................................................................117 Section 13.06 11.07 Notices..................................................XIII-2 ...............................................................................................117 Section 13.07 11.08 Severability of Provisions...............................XIII-3 ............................................................................118 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 ................................................................................118 Section 13.11 11.10 Article and Section Headings.................................................XIII-3 ..........................................................................118 Section 13.12 Paying Agent.............................................XIII-3 11.11 Counterparts..........................................................................................118 Section 13.13 Notification 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 .............................................................................118 EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 Certificates and Class X Certificates Exhibit A-2 - Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Certificates Exhibit A-3 - Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA of Class R Certificates Exhibit B - Mortgage Loan Schedule EXHIBIT I Exhibit C - [Reserved] Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E - Form of Liquidation Report EXHIBIT K Affidavit pursuant to Section 860E(e)(4) Exhibit F-1 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Investment Letter EXHIBIT O-2 Exhibit F-2 - Form of Rule 144A Certificationand Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-3 - Servicing Agreements Exhibit I - Assignment Agreements Exhibit J - Mortgage Loan Purchase Agreement POOLING AND SERVICING AGREEMENT Pooling and Servicing Agreement dated as of August 1, 2004, among Structured Asset Mortgage Investments II Inc., a Delaware corporation, as depositor (the "Depositor"), U.S. Bank National Association, a national banking association, not in its individual capacity but solely as trustee (the "Trustee"), Wells Fargo Bank, Xxxxonal Association, as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator"), and EMC Mortgage Corporation, as seller (in such capacity, the "Seller") and as company (in such capacity, the "Company").

Acts of Certificateholders. XIII-1 Section 13.02 Amendment.....................................................................................................XIII-1 Section 13.03 Recordation of Agreement.......................................................................XIII-2 Section 13.04 Duration of Agreement.............................................................................XIII-2 Section 13.05 Governing Law.............................................................................................XIII-2 Section 13.06 Notices.........................................................................................................XIII-2 Section 13.07 Severability of Provisions...................................................................XIII-3 Section 13.08 No Partnership...........................................................................................XIII-3 Section 13.09 Counterparts...............................................................................................XIII-3 Section 13.10 Successors and Assigns...........................................................................XIII-3 Section 13.11 Headings.................................................XIII-3 Section ......................................................XIII-4 13.12 Paying Agent.............................................XIII-3 Section ..................................................XIII-4 13.13 Notification to Rating Agencies..........................XIII-4 Section ...............................XIII-5 13.14 Third Party Rights.......................................XIII-4 (iv) ............................................XIII-5 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Request for Release of Documents EXHIBIT J Form of Liquidation Report EXHIBIT K Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form Agreement dated as of Transferee Letter EXHIBIT O-2 Form November 30, 1996, among Marine Midland Bank, as trustee (the "Trustee"), The Money Store Inc., as Representative (the "Representative"), The Money Store Investment Corporation, as Seller (a "Seller") and as Servicer (the "Servicer"), and The Money Store of Rule 144A CertificationNew York, Inc. (individually, a "Seller" and, together with The Money Store Investment Corporation, the "Sellers"):

Acts of Certificateholders. XIII-1 115 Section 13.02 Amendment................................................XIII-1 11.06 Governing Law ................................................................. 116 Section 13.03 Recordation of Agreement.................................XIII-2 11.07 Notices ....................................................................... 116 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 Governing Law............................................XIII-2 Section 13.06 Notices..................................................XIII-2 Section 13.07 11.08 Severability of Provisions...............................XIII-3 Provisions .................................................... 117 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 Assigns ........................................................ 117 Section 13.11 Headings.................................................XIII-3 11.10 Article and Section 13.12 Paying Agent.............................................XIII-3 Headings .................................................. 117 Section 13.13 Notification 11.11 Counterparts .................................................................. 117 Section 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Agency ....................................................... 117 EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 Certificates Exhibit A-2 - Form of Class M Certificates Exhibit A-3 - Form of Class B-IO Certificates Exhibit A-4 - Form of Class R Certificates Exhibit B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions - Mortgage Loan Schedule Exhibit C-1 - Form EXHIBIT F-1 of Initial Certification EXHIBIT F-2 Exhibit C-2 - Form of Interim Certification Exhibit C-3 - Form of Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E - Form of Liquidation Report EXHIBIT K Affidavit pursuant to Section 860E(e)(4) Exhibit F-1 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Investment Letter EXHIBIT O-2 Exhibit F-2 - Form of Rule 144A Certificationand Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H - List of Servicers and Servicing Agreements Exhibit I - Mortgage Loan Purchase Agreement Exhibit J - Certificate of Trust Exhibit K - 1998-1 Mortgage Loans Mortgage File Exhibit L - Notice of Exercise of Optional Securities Purchase Right TRUST, POOLING AND SERVICING AGREEMENT Trust, Pooling and Servicing Agreement (this "Agreement"), dated as of March 1, 2003, among Structured Asset Mortgage Investments Inc., a Delaware corporation, as seller (the "Seller"), Deutsche Bank National Trust Company, a national banking association, not in its individual capacity but solely as trustee (the "Trustee"), Deutsche Bank Trust Company Delaware, a Delaware banking corporation, not in its individual capacity but solely as Delaware trustee (the "Delaware Trustee"), Xxxxx Fargo Bank Minnesota, National Association, a national banking association, as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator"), and Xxxxxxxxx Mortgage Home Loans, Inc. ("Xxxxxxxxx").

Acts of Certificateholders. XIII-1 Section 13.02 Amendment.................................................................................................XIII-1 Section 13.03 Recordation of Agreement...................................................................XIII-2 Section 13.04 Duration of Agreement.........................................................................XIII-2 Section 13.05 Governing Law.........................................................................................XIII-2 Section 13.06 Notices.....................................................................................................XIII-2 Section 13.07 Severability of Provisions...............................................................XIII-3 Section 13.08 No Partnership.......................................................................................XIII-3 Section 13.09 Counterparts...........................................................................................XIII-3 Section 13.10 Successors and Assigns.......................................................................XIII-3 Section 13.11 Headings.................................................XIII-3 Section ..................................................XIII-4 13.12 Paying Agent.............................................XIII-3 Section ..............................................XIII-4 13.13 Notification to Rating Agencies..........................XIII-4 Section ...........................XIII-5 13.14 Third Party Rights.......................................XIII-4 (iv) ........................................XIII-5 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Form of Class M Certificate EXHIBIT B-3 Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] Form of Letter of Credit EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Request for Release of Documents EXHIBIT J Form of Liquidation Report EXHIBIT K Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 O Form of Transferee Letter EXHIBIT O-2 Form Agreement dated as of Rule 144A CertificationFebruary 28, 1999, among HSBC Bank USA (f/k/a Marine Midland Bank), as trustee (the "Trustee"), The Money Store Inc., as Representative (the "Representative"), The Money Store Investment Corporation, as Seller (a "Seller") and as Servicer (the "Servicer"), and The Money Store of New York, Inc. (individually, a "Seller" and, together with The Money Store Investment Corporation, the "Sellers"):

Acts of Certificateholders. XIII-1 Section 13.02 Amendment............................................................................................XIII-1 Section 13.03 Recordation of Agreement..............................................................XIII-2 Section 13.04 Duration of Agreement....................................................................XIII-2 Section 13.05 Governing Law....................................................................................XIII-2 Section 13.06 Notices................................................................................................XIII-2 Section 13.07 Severability of Provisions..........................................................XIII-3 Section 13.08 No Partnership..................................................................................XIII-3 Section 13.09 Counterparts......................................................................................XIII-3 Section 13.10 Successors and Assigns..................................................................XIII-3 Section 13.11 Headings..............................................................................................XIII-3 Section 13.12 The Certificate Insurer..............................XIII-3 13.13 Paying Agent.............................................XIII-3 Section 13.13 .........................................XIII-4 13.14 Notification to Rating Agencies..........................XIII-4 Section 13.14 ......................XIII-5 13.15 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX ...................................XIII-5 SCHEDULE I Description of Certain Litigation EXHIBIT A Contents of SBA Mortgage File EXHIBIT B-1 Form B Forms of Class A Certificate EXHIBIT B-2 Form of Class B Certificate Certificates EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] Resale Certification EXHIBIT E [Omitted] Assignment EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 F Form of Trustee/Co-Trustee Initial Certification EXHIBIT F-2 F-1 Form of Trustee/Co-Trustee Interim Certification EXHIBIT G Form of Trustee/Co-Trustee Final Certification EXHIBIT G [Omitted] H Pool I Mortgage Loan Schedule EXHIBIT H SBA H-1 Pool II Mortgage Loan Schedule EXHIBIT H-2 Pool III Mortgage Loan Schedule EXHIBIT H-3 Pool IV Mortgage Loan Schedule EXHIBIT I List of Originators EXHIBIT J Request for Release of Documents EXHIBIT J J-1 Request for Release Documents of 90 Day Delinquent Pool III Loans EXHIBIT K Transfer Affidavit EXHIBIT L Form of Notice EXHIBIT M Custodial Agreement EXHIBIT M-1 Pool III Custodial Agreement EXHIBIT N Form of Liquidation Report EXHIBIT K O Form of Delinquency Report EXHIBIT L P [Omitted] EXHIBIT Q [Omitted] EXHIBIT R Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party S Subservicing Agreement EXHIBIT N Spread Account T Prices for Low Interest Mortgage Loans Agreement EXHIBIT O-1 Form dated as of Transferee Letter EXHIBIT O-2 Form November 30, 1996, among The Bank of Rule 144A CertificationNew York, as trustee (the "Trustee"), the entities listed on Exhibit I hereto (collectively, the "Originators") and The Money Store Inc., as Representative (the "Representative"), Servicer (the "Servicer") and Claims Administrator (the "Claims Administrator"):

Acts of Certificateholders. XIII-1 Section 13.02 Amendment.......................................................................................................XIII-1 Section 13.03 Recordation of Agreement.........................................................................XIII-2 Section 13.04 Duration of Agreement...............................................................................XIII-2 Section 13.05 Governing Law...............................................................................................XIII-2 Section 13.06 Notices...........................................................................................................XIII-2 Section 13.07 Severability of Provisions.....................................................................XIII-3 Section 13.08 No Partnership.............................................................................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section ....................................................XIII-4 13.10 Successors and Assigns.............................................................................XIII-3 Section 13.11 Headings.................................................XIII-3 Section ........................................................XIII-4 13.12 Paying Agent.............................................XIII-3 Section ....................................................XIII-4 13.13 Notification to Rating Agencies..........................XIII-4 Section .................................XIII-5 13.14 Third Party Rights.......................................XIII-4 (iv) ..............................................XIII-5 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Request for Release of Documents EXHIBIT J Form of Liquidation Report EXHIBIT K Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form Agreement dated as of Transferee Letter EXHIBIT O-2 Form February 28, 1998, among Marine Midland Bank, as trustee (the "Trustee"), The Money Store Inc., as Representative (the "Representative"), The Money Store Investment Corporation, as Seller (a "Seller") and as Servicer (the "Servicer"), and The Money Store of Rule 144A CertificationNew York, Inc. (individually, a "Seller" and, together with The Money Store Investment Corporation, the "Sellers"):

Acts of Certificateholders. XIII-1 108 Section 13.02 Amendment................................................XIII-1 11.06 Governing Law ............................................................................ 109 Section 13.03 Recordation of Agreement.................................XIII-2 11.07 Notices .................................................................................. 109 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 Governing Law............................................XIII-2 Section 13.06 Notices..................................................XIII-2 Section 13.07 11.08 Severability of Provisions...............................XIII-3 Provisions ............................................................... 110 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 Assigns ................................................................... 110 Section 13.11 Headings.................................................XIII-3 11.10 Article and Section 13.12 Paying Agent.............................................XIII-3 Headings ............................................................. 110 Section 13.13 Notification 11.11 Counterparts ............................................................................. 110 Section 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Agencies ................................................................ 110 EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 and Class M Certificates Exhibit A-2 - Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Certificates Exhibit A-3 - Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA of Class R Certificates Exhibit B - Mortgage Loan Schedule EXHIBIT I Exhibit C - [Reserved] Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E-1 - Form of Liquidation Report EXHIBIT K Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Transferor Certificate Exhibit F-1 - Form of Transferee Transferor Representation Letter EXHIBIT O-2 Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A CertificationLetter Exhibit G - Form of Custodial Agreement Exhibit H-1 - Servicing Agreement Exhibit I - Assignment Agreement Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - Form Certification to Be Provided by the Master Servicer With Form 10-K POOLING AND SERVICING AGREEMENT This Pooling and Servicing Agreement is dated as of August 1, 2004 (the "Agreement"), among MERRILL LYNCH MORTGAGX XXXXXTXXX, INC., as depositor (the "Depositor"), WELLS FARGO BANK, NATXXXXX ASSOCIATION, as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator") and WACHOVIA BANK, NATIONAL ASSOCIATION, as trustee (the "Trustee").

Acts of Certificateholders. XIII-1 Section 13.02 Amendment.................................................................................................XIII-1 Section 13.03 Recordation of Agreement...................................................................XIII-2 Section 13.04 Duration of Agreement.........................................................................XIII-2 Section 13.05 Governing Law.........................................................................................XIII-2 Section 13.06 Notices.....................................................................................................XIII-2 Section 13.07 Severability of Provisions...............................................................XIII-3 Section 13.08 No Partnership.......................................................................................XIII-3 Section 13.09 Counterparts...........................................................................................XIII-3 Section 13.10 Successors and Assigns....................................XIII-3 13.11 Headings..................................................XIII-3 13.12 The Certificate Insurer...................................XIII-3 Section 13.11 Headings.................................................XIII-3 Section 13.12 13.13 Paying Agent.............................................XIII-3 Section 13.13 ..............................................XIII-4 13.14 Notification to Rating Agencies..........................XIII-4 Section 13.14 ...........................XIII-5 13.15 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX ........................................XIII-5 SCHEDULE I Description of Certain Litigation SCHEDULE II Auction Procedures EXHIBIT A Contents of SBA Mortgage File EXHIBIT B-1 Form B Forms of Class A Certificate EXHIBIT B-2 Form of Class B Certificate Certificates EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] Resale Certification EXHIBIT E [Omitted] Assignment EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 F Form of Trustee/Co-Trustee Initial Certification EXHIBIT F-2 F-1 Form of Trustee/Co-Trustee Interim Certification EXHIBIT G Form of Trustee/Co-Trustee Final Certification EXHIBIT G [Omitted] H Pool I Mortgage Loan Schedule EXHIBIT H SBA H-1 Pool II Mortgage Loan Schedule EXHIBIT H-2 Pool III Mortgage Loan Schedule EXHIBIT H-3 Pool IV Mortgage Loan Schedule EXHIBIT I List of Originators EXHIBIT J Request for Release of Documents EXHIBIT J J-1 Request for Release Documents of 90 Day Delinquent Pool III Loans EXHIBIT K Transfer Affidavit EXHIBIT L Form of Notice EXHIBIT M Custodial Agreement EXHIBIT M-1 Pool III Custodial Agreement EXHIBIT N Form of Liquidation Report EXHIBIT K O Form of Delinquency Report EXHIBIT L P [Omitted] EXHIBIT Q [Omitted] EXHIBIT R Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party S Subservicing Agreement EXHIBIT N Spread Account T Prices for Low Interest Mortgage Loans Agreement EXHIBIT O-1 Form dated as of Transferee Letter EXHIBIT O-2 Form August 31, 1996, among The Bank of Rule 144A CertificationNew York, as trustee (the "Trustee"), the entities listed on Exhibit I hereto (collectively, the "Originators") and The Money Store Inc., as Representative (the "Representative"), Servicer (the "Servicer") and Claims Administrator (the "Claims Administrator"):

Acts of Certificateholders. XIII-1 116 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 11.06 Governing Law............................................XIII-2 ...............................................117 Section 13.06 11.07 Notices..................................................XIII-2 .....................................................117 Section 13.07 11.08 Severability of Provisions...............................XIII-3 ..................................118 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 ......................................118 Section 13.11 11.10 Article and Section Headings.................................................XIII-3 ................................118 Section 13.12 Paying Agent.............................................XIII-3 11.11 Counterparts................................................118 Section 13.13 Notification 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents ...................................118 APPENDIX Appendix 1 - Calculation of SBA File EXHIBIT B-1 Class Y Principal Reduction Amount EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 Certificates Exhibit A-2 - Form of B-1, B-2, B-3 Certificates Exhibit A-3 - Form of Class B-0, X-0, X-0 Certificates Exhibit A-4 - Form of Class R Xxxxxxxxxxxx Exhibit B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA - Mortgage Loan Schedule EXHIBIT I Exhibit C - [Reserved] Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E - Form of Liquidation Report EXHIBIT K Affidavit pursuant to Section 860E(e)(4) Exhibit F-1 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Investment Letter EXHIBIT O-2 Exhibit F-2 - Form of Rule 144A Certificationand Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 - Chevy Chase Servicing Agreement Exhibit H-2 - Countrywide Servicing Agreement Exhibit H-3 - EMC Servicing Agreement Exhibit H-4 - EverHome Servicing Agreement Exhibit H-5 - XxxxxXxxxx Xxxxxxxxx Xxxxxxxxx Xxxxxxx X-0 - XxxxxXxxxx Xxxxxxxxx Agreement Exhibit H-7 - Xxxxxxxxxx Xxxxxxxxx Xxxxxxxxx Xxxxxxx X-0 - Xxxxx Xxxxx Xxxxxxxxx Agreement Exhibit I - Assignment Xxxxement Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - Form of Trustee Limited Power of Attorney POOLING AND SERVICING AGREEMENT Pooling and Servicing Agreement dated as of July 1, 2004, among Structured Asset Mortgage Investments II Inc., a Delaware corporation, as depositor (the "Depositor"), JPMorgan Chase Bank, a New York banking corporation, not in its individual capacity but solely as trustee (the "Trustee"), Wells Fargo Bank, National Association, as master servicer (ix xxch capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator"), and EMC Mortgage Corporation, as seller (in such capacity, the "Seller") and as company (in such capacity, the "Company").

Acts of Certificateholders. XIII-1 Section 13.02 Amendment.................................................................................XIII-1 Section 13.03 Recordation of Agreement...................................................XIII-2 Section 13.04 Duration of Agreement.........................................................XIII-2 Section 13.05 Governing Law.........................................................................XIII-2 Section 13.06 Notices.....................................................................................XIII-2 Section 13.07 Severability of Provisions...............................................XIII-3 Section 13.08 No Partnership.......................................................................XIII-3 Section 13.09 Counterparts...........................................................................XIII-3 Section 13.10 Successors and Assigns.......................................................XIII-3 Section 13.11 Headings.................................................XIII-3 Section ..................................XIII-4 13.12 Paying Agent.............................................XIII-3 Section ..............................XIII-4 13.13 Notification to Rating Agencies..........................XIII-4 Section ...........XIII-5 13.14 Third Party Rights.......................................XIII-4 (iv) ........................XIII-5 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Request for Release of Documents EXHIBIT J Form of Liquidation Report EXHIBIT K Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form Agreement dated as of Transferee Letter EXHIBIT O-2 Form August 31, 1997, among Marine Midland Bank, as trustee (the "Trustee"), The Money Store Inc., as Representative (the "Representative"), The Money Store Investment Corporation, as Seller (a "Seller") and as Servicer (the "Servicer"), and The Money Store of Rule 144A CertificationNew York, Inc. (individually, a "Seller" and, together with The Money Store Investment Corporation, the "Sellers"):

Acts of Certificateholders. XIII-1 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 Governing Law............................................XIII-2 Section 13.06 Notices..................................................XIII-2 Section 13.07 Severability of Provisions...............................XIII-3 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 Successors and Assigns...................................XIII-3 Section 13.11 Headings.................................................XIII-3 Section 13.12 Paying Agent.............................................XIII-3 Section 13.13 Notification to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT 111 EXHIBITS AND SCHEDULES: ---------------------- Exhibit A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Certificates (other than the Class A-R Certificate) .......................................A-1 Exhibit B Form of Class B Certificate EXHIBIT A-R Certificate...........................B-1 Exhibit C Principal and Interest Account Letter Agreement EXHIBIT Form of Subordinate Certificates........................C-1 Exhibit D [Omitted] EXHIBIT Form of Class X Certificates............................D-1 Exhibit E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I of Reverse of Certificates.........................E-1 Exhibit F Request for Release of Documents EXHIBIT Documents........................F-1 Exhibit G-1 Form of Trustee's Initial Certification...............G-1-1 Exhibit G-2 Form of Trustee's Final Certification.................G-2-1 Exhibit G-3 Form of Receipt of Mortgage Note......................G-3-1 Exhibit H Form of Lost Note Affidavit.............................H-1 Exhibit I Form of ERISA Representation............................I-1 Exhibit J Form of Liquidation Report EXHIBIT Investment Letter...............................J-1 Exhibit K Form of Delinquency Report EXHIBIT Transferor Certificate..........................K-1 Exhibit L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Letter EXHIBIT O-2 Class A-R Certificate Transfer Affidavit........L-1 Exhibit M Form of Rule 144A CertificationLiquidation Report..............................M-1 Exhibit N Put Option Notice.......................................N-1 Exhibit O Form of Put and Call Agreement..........................O-1 Schedule I Mortgage Loan Schedule This Pooling and Servicing Agreement is dated as of December 1, 2000 (the "Agreement"), among GREENWICH CAPITAL ACCEPTANCE, INC., as depositor (the "Depositor"), FIFTH THIRD MORTGAGE CORPORATION, as seller (the "Seller"), FIFTH THIRD BANK, as servicer (the "Servicer") and THE CHASE MANHATTAN BANK, as trustee (the "Trustee").

Acts of Certificateholders. XIII-1 Section 13.02 Amendment......................................................................................................................................XIII-1 Section 13.03 Recordation of Agreement........................................................................................................XIII-2 Section 13.04 Duration of Agreement..............................................................................................................XIII-2 Section 13.05 Governing Law..............................................................................................................................XIII-2 Section 13.06 Notices..........................................................................................................................................XIII-2 Section 13.07 Severability of Provisions....................................................................................................XIII-3 Section 13.08 No Partnership............................................................................................................................XIII-3 Section 13.09 Counterparts................................................................................................................................XIII-3 Section 13.10 Successors and Assigns............................................................................................................XIII-3 Section 13.11 Headings........................................................................................................................................XIII-3 Section 13.12 Paying Agent................................................................................................................................XIII-3 Section 13.13 Notification to Rating Agencies..........................................................................................XIII-4 Section 13.14 Third Party Rights....................................................................................................................XIII-4 13.15 Inconsistencies................................................................................XIII-5 (ivv) 7 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Form of Class M Certificate EXHIBIT B-3 Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H H-1 SBA Loan Schedule of the Bank EXHIBIT H-2 SBA Loan Schedule of the Funding Trust EXHIBIT I Request for Release of Documents EXHIBIT J Form of Liquidation Report EXHIBIT K Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Diskette Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Letter EXHIBIT O-2 Form of Rule 144A Certification

Acts of Certificateholders. XIII-1 62 Section 13.02 12.06. Calculations.................................................................63 Section 12.07. Assignment or Delegation by Trust Depositor..................................63 Section 12.08. Amendment................................................XIII-1 ....................................................................63 Section 13.03 Recordation of Agreement.................................XIII-2 12.09. Notices......................................................................64 Section 13.04 Duration of Agreement....................................XIII-2 12.10. Merger and Integration.......................................................66 Section 13.05 12.11. Headings.....................................................................66 Section 12.12. Governing Law............................................XIII-2 ................................................................66 Section 13.06 Notices..................................................XIII-2 12.13. No Insolvency Petition.......................................................66 Section 13.07 Severability of Provisions...............................XIII-3 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 Successors and Assigns...................................XIII-3 Section 13.11 Headings.................................................XIII-3 Section 13.12 Paying Agent.............................................XIII-3 Section 13.13 Notification to Rating Agencies..........................XIII-4 Section 13.14 12.14. Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Beneficiary......................................................66 Section 12.15. No Additional Securities.....................................................66 Section 12.16. No Additional Indebtedness by the Trust Depositor............................66 Exhibit A-l -- Form of Certificate for Motorcycle Contracts [_____] Grantor Trust Class A Certificate EXHIBIT B-2 Certificates Exhibit A-2 -- Form of Certificate for Motorcycle Contracts [_____] Grantor Trust Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Request for Release of Documents EXHIBIT J Certificates Exhibit B -- Form of Liquidation Report EXHIBIT K Assignment Exhibit C-1 -- Form of Delinquency Report EXHIBIT L Closing Certificate of Trust Depositor Exhibit C-2 -- Form of Closing Certificate of Servicer's Monthly Computer Tape Format EXHIBIT M Multi/Seller Exhibit D-1 -- Form of Opinion of Counsel for Trust Depositor regarding general corporate matters (including perfection opinion) Exhibit D-2 -- Form of Opinion of Counsel for Trust Depositor regarding the "true sale" nature of the transaction Exhibit D-3 -- Form of Opinion of Counsel for Trust Depositor regarding non-Party Agreement EXHIBIT N Spread consolidation Exhibit E -- Form of Reserve Account Agreement EXHIBIT O-1 Exhibit F -- Form of Transferee Letter EXHIBIT O-2 Certificate of Servicing Officer Exhibit G -- Form of Rule 144A CertificationCertificate Regarding Repurchased Contracts Exhibit H -- [Reserved] Exhibit I -- List of Contracts Exhibit J -- Form of Monthly Report to Certificateholders Exhibit K -- Seller's Representations and Warranties Exhibit L -- Lockbox Bank and Lockbox Account Exhibit M -- Form of Contract Stamp Exhibit N -- Form of Subsequent Transfer Agreement This Agreement, dated as of [_____], is made by and among Eaglemark Customer Funding Corporation-[___], a Nevada corporation (the "Trust Depositor"), Eaglemark, Inc., a Nevada corporation, as Servicer (in such capacity, the "Servicer") and Xxxxxx Trust and Savings Bank, an Illinois banking corporation ("Xxxxxx") not in its individual capacity but solely as Trustee (in such capacity, the "Trustee") of Eaglemark Trust [_____] (the "Trust"). In consideration of the premises and the mutual agreements hereinafter set forth, the Trust Depositor, the Servicer and the Trustee agree as provided herein:

Acts of Certificateholders. XIII-1 112 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 11.06 Governing Law............................................XIII-2 ............................................................................113 Section 13.06 11.07 Notices..................................................XIII-2 ..................................................................................113 Section 13.07 11.08 Severability of Provisions...............................XIII-3 ...............................................................114 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 ...................................................................114 Section 13.11 11.10 Article and Section Headings.................................................XIII-3 .............................................................114 Section 13.12 Paying Agent.............................................XIII-3 11.11 Counterparts.............................................................................114 Section 13.13 Notification 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents ................................................................114 APPENDIX Appendix 1 - Calculation of SBA File EXHIBIT B-1 Class Y Principal Reduction Amount EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 Certificates Exhibit A-2 - Form of Class M, B-1, B-2, B-3 Certxxxxxxxx Xxxxbit A-3 - Form of Class B-4, B-5, B-6 Certxxxxxxxx Xxxxbit A-4 - Form of Class R Certificates Exhibit B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA - Mortgage Loan Schedule EXHIBIT I Exhibit C - [Reserved] Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E - Form of Liquidation Report EXHIBIT K Affidavit pursuant to Section 860E(e)(4) Exhibit F-1 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Investment Letter EXHIBIT O-2 Exhibit F-2 - Form of Rule 144A Certificationand Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 - Alliance Servicing Agreement Exhibit H-2 - Countrywide Servicing Agreement Exhibit I - Assignment Agreement Exhibit J - Mortgage Loan Purchase Agreement POOLING AND SERVICING AGREEMENT ------------------------------- Pooling and Servicing Agreement dated as of December 1, 2003, among Structured Asset Mortgage Investments II Inc., a Delaware corporation, as depositor (the "Depositor"), JPMorgan Chase Bank, a New York banking corporation, not in its individual capacity but solely as trustee (the "Trustee"), Wells Fargo Bank Mxxxxxota, National Association, as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator"), and EMC Mortgage Corporation, as seller (in such capacity, the "Seller") and as company (in such capacity, the "Company").

Acts of Certificateholders. XIII-1 127 Section 13.02 Amendment................................................XIII-1 11.06 [Reserved].........................................128 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 11.07 Governing Law......................................128 Section 11.08 Notices............................................XIII-2 129 Section 13.06 Notices..................................................XIII-2 Section 13.07 11.09 Severability of Provisions...............................XIII-3 .........................129 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.10 Successors and Assigns...................................XIII-3 .............................129 Section 13.11 11.11 Article and Section Headings.................................................XIII-3 .......................129 Section 13.12 Paying Agent.............................................XIII-3 11.12 Counterparts.......................................130 Section 13.13 Notification 11.13 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 130 EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 Face of Certificates Exhibit A-2 - Form of Class B Certificate EXHIBIT C Principal Reverse of Certificates Exhibit B- XXX Schedule Exhibit C- Representations and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Warranties of the Seller Concerning the XXXx Exhibit D- Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I of Request for Release of Documents EXHIBIT J Exhibit E- Form of Liquidation Report EXHIBIT K Affidavit pursuant to Section 860E(e)(4) Exhibit F-1 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Investment Letter EXHIBIT O-2 Exhibit F-2 - Form of Rule 144A Certificationand Related Matters Certificate Exhibit G- Form of Trustee's Initial Certification Exhibit H- Form of Trustee's Final Certification Exhibit I- Form of ERISA Letter for Class X Certificates POOLING AND SERVICING AGREEMENT Pooling and Servicing Agreement dated as of , 2000, among , as the depositor (the "Depositor"), , as master servicer (the "Master Servicer"), and, a banking association, as trustee (the "Trustee").

Acts of Certificateholders. XIII-1 Section 13.02 Amendment................................................................................................................................... XIII-1 Section 13.03 Recordation of Agreement..................................................................................................... XIII-2 Section 13.04 Duration of Agreement........................................................................................................... XIII-2 Section 13.05 Governing Law........................................................................................................................... XIII-2 Section 13.06 Notices....................................................................................................................................... XIII-2 Section 13.07 Severability of Provisions................................................................................................. XIII-3 Section 13.08 No Partnership......................................................................................................................... XIII-3 Section 13.09 Counterparts............................................................................................................................. XIII-3 Section 13.10 Successors and Assigns......................................................................................................... XIII-3 Section 13.11 Headings..................................................................................................................................... XIII-3 Section 13.12 Paying Agent.............................................XIII-3 Section ................................................................................ XIII-4 13.13 Notification to Rating Agencies..........................Agency............................................................... XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 .......................................................................... XIII-5 (iv) EXHIBIT INDEX ------------- EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A Certificate EXHIBIT B-2 Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule EXHIBIT I Request for Release of Documents EXHIBIT J Form of Liquidation Report EXHIBIT K Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Diskette Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Letter EXHIBIT O-2 Form of Rule 144A CertificationCertification EXHIBIT P List of SBA Loans with lost SBA Notes

Acts of Certificateholders. XIII-1 159 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 11.06 Governing Law............................................XIII-2 .................................................160 Section 13.06 11.07 Notices..................................................XIII-2 .......................................................160 Section 13.07 11.08 Severability of Provisions...............................XIII-3 ....................................161 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 11.09 Successors and Assigns...................................XIII-3 ........................................161 Section 13.11 11.10 Article and Section Headings.................................................XIII-3 ..................................161 Section 13.12 Paying Agent.............................................XIII-3 11.11 Counterparts..................................................161 Section 13.13 Notification 11.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 .....................................161 EXHIBITS Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 and Class X Certificates Exhibit A-2 - Form of Class B Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Certificates Exhibit A-3 - Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA of Class R Certificates Exhibit B - Mortgage Loan Schedule EXHIBIT I Exhibit C - [Reserved] Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E - Form of Liquidation Report EXHIBIT K Affidavit pursuant to Section 860E(e)(4) Exhibit F-1 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferee Investment Letter EXHIBIT O-2 Exhibit F-2 - Form of Rule 144A Certificationand Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-11 - Servicing Agreements Exhibit I - Assignment Agreements Exhibit J - Mortgage Loan Purchase Agreement POOLING AND SERVICING AGREEMENT ------------------------------- Pooling and Servicing Agreement dated as of November 1, 2004, among Structured Asset Mortgage Investments II Inc., a Delaware corporation, as depositor (the "Depositor"), U.S. Bank National Association, a national banking association, not in its individual capacity but solely as trustee (the "Trustee"), Xxxxx Fargo Bank, National Association, as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator"), and EMC Mortgage Corporation, as seller (in such capacity, the "Seller") and as company (in such capacity, the "Company").

Acts of Certificateholders. XIII-1 Section 13.02 Amendment................................................XIII-1 Section 13.03 Recordation of Agreement.................................XIII-2 Section 13.04 Duration of Agreement....................................XIII-2 Section 13.05 116 SECTION 10.06 Governing Law............................................XIII-2 Section 13.06 ............................................. 117 SECTION 10.07 Notices..................................................XIII-2 Section 13.07 ................................................... 117 SECTION 10.08 Severability of Provisions...............................XIII-3 Section 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 ................................ 117 SECTION 10.09 Successors and Assigns...................................XIII-3 .................................... 118 SECTION 10.10 Article and Section 13.11 Headings.................................................XIII-3 Section 13.12 Paying Agent.............................................XIII-3 Section 13.13 Notification .............................. 118 SECTION 10.11 Counterparts.............................................. 118 SECTION 10.12 Notice to Rating Agencies..........................XIII-4 Section 13.14 ................................. 118 SECTION 10.13 Third Party Rights.......................................XIII-4 (iv) EXHIBIT INDEX EXHIBIT A Contents Beneficiary................................... 118 SECTION 10.14 Additional Rights of SBA File EXHIBIT B-1 the NIMs Insurer..................... 118 Exhibit A-1 - Form of Class A Certificate EXHIBIT B-2 Certificates Exhibit A-2 - Form of Class M and Class B Certificate EXHIBIT Certificates Exhibit A-3 - Form of Class R Certificates Exhibit A-4 - Form of Class C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Class P Certificates Exhibit B - Mortgage Loan Schedule EXHIBIT I Exhibit C - Form of MI Policy Exhibit D - Request for Release of Documents EXHIBIT J Exhibit E-1 - Form of Liquidation Report EXHIBIT K Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Transferor Affidavit Exhibit E-3 - Form of Transferee Transferor Certificate Exhibit F-1 - Form of Transferor Representation Letter EXHIBIT O-2 Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A CertificationLetter Exhibit G - Form of Custodial Agreement Exhibit H - Servicing Agreements Exhibit I - Mortgage Loan Purchase Agreement Exhibit J - Assignment Agreements Exhibit K - Form Certification to be Provided by the Master Servicer with Form 10-K Exhibit L-1 - Form of Class A-2 Cap Contract Exhibit L-2 - Form ox Xxxxx X-0 Xxx Xxxxxxxt Exhibit L-3 - Form of Subordinate Certificate Cap Contract Exhibit M-1 - Class A-2 One-Month LIBOR Cap Table Exhibit M-2 - Class A-3 One-Month LIBOR Cap Table Exhibit M-3 - Subordinate Certificate One-Month LIBOR Cap Table This POOLING AND SERVICING AGREEMENT (the "Agreement"), dated as of October 1, 2005, among MERRILL LYNCH MORTGAGE INVESTORS, INC., a Delaware corporation, as depxxxxxx (xxx "Depositor"), WACHOVIA BANK, NATIONAL ASSOCIATION, a national banking association, as trustee (the "Trustee") and WELLS FARGO BANK, N.A., a national banking association, as master servxxxx (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator").