Common use of Acts of Certificateholders Clause in Contracts

Acts of Certificateholders. 115 Section 11.06 Governing Law....................................................................116 Section 11.07 Notices..........................................................................116 Section 11.08 Severability of Provisions.......................................................117 Section 11.09 Successors and Assigns...........................................................117 Section 11.10 Article and Section Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - Form of Class A and Class M Certificates Exhibit A-2 - Form of Class B Certificates Exhibit A-3 - Form of Class R Certificates Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter 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. 115 XIII-1 Section 11.06 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....................................................................116 ............................................XIII-2 Section 11.07 13.06 Notices..........................................................................116 ..................................................XIII-2 Section 11.08 13.07 Severability of Provisions.......................................................117 ...............................XIII-3 Section 11.09 13.08 No Partnership...........................................XIII-3 Section 13.09 Counterparts.............................................XIII-3 Section 13.10 Successors and Assigns...........................................................117 ...................................XIII-3 Section 11.10 Article and 13.11 Headings.................................................XIII-3 Section Headings.....................................................117 13.12 Paying Agent.............................................XIII-3 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice 13.13 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - ..........................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 and Class M Certificates Exhibit A-2 - Certificate EXHIBIT B-2 Form of Class B Certificates Exhibit A-3 - Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form of Class R Certificates Exhibit B - Mortgage EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule Exhibit C - [Reserved] Exhibit D - EXHIBIT I Request for Release of Documents Exhibit E-1 - EXHIBIT J Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Liquidation Report EXHIBIT K Form of Transferor Certificate Exhibit F-1 - 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 Transferor Representation Transferee Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - EXHIBIT O-2 Form of Rule 144A Letter 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").Certification

Acts of Certificateholders. 115 127 Section 11.06 [Reserved].........................................128 Section 11.07 Governing Law....................................................................116 Section 11.07 Notices..........................................................................116 ......................................128 Section 11.08 Notices............................................129 Section 11.09 Severability of Provisions.......................................................117 .........................129 Section 11.09 11.10 Successors and Assigns...........................................................117 .............................129 Section 11.10 11.11 Article and Section Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 .......................129 Section 11.12 Counterparts.......................................130 Section 11.13 Notice to Rating Agencies........................................................117 ..........................130 EXHIBITS Exhibit A-1 - Form of Class A and Class M Face of Certificates Exhibit A-2 - Form of Class B Reverse of Certificates Exhibit A-3 - B- XXX Schedule Exhibit C- Representations and Warranties of the Seller Concerning the XXXx Exhibit D- Form of Class R Certificates Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 - E- Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Investment Letter Exhibit F-2 - Form of Investor Representation Letter Rule 144A and Related Matters Certificate Exhibit F-3 - G- Form of Rule 144A Letter Trustee's Initial Certification Exhibit G - H- Form of Custodial Agreement Trustee's Final Certification Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - I- Form Certification to be Provided by the Master Servicer with Form 10-K of ERISA Letter for Class X Certificates POOLING AND SERVICING AGREEMENT ------------------------------- This Pooling and Servicing Agreement is dated as of January 1, 2005 (the "Agreement")2000, among XXXXXXX XXXXX MORTGAGE INVESTORS, INC., as the 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 BANKand, NATIONAL ASSOCIATIONa banking association, as trustee (the "Trustee").

Acts of Certificateholders. 115 116 Section 11.06 Governing Law....................................................................116 .........................................................................................117 Section 11.07 Notices..........................................................................116 ...............................................................................................117 Section 11.08 Severability of Provisions.......................................................117 ............................................................................118 Section 11.09 Successors and Assigns...........................................................117 ................................................................................118 Section 11.10 Article and Section Headings.....................................................117 ..........................................................................118 Section 11.11 Counterparts.....................................................................117 ..........................................................................................118 Section 11.12 Notice to Rating Agencies........................................................117 .............................................................................118 EXHIBITS Exhibit A-1 - Form of Class A Certificates and Class M X Certificates Exhibit A-2 - Form of Class B Certificates Exhibit A-3 - Form of Class R Certificates Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 E - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Investment Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter and Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 H-3 - Servicing Agreements Exhibit I-1 to I-5 I - 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 August 1, 2005 (the "Agreement")2004, among XXXXXXX XXXXX MORTGAGE INVESTORSStructured Asset Mortgage Investments II Inc., INC.a Delaware corporation, as depositor (the "Depositor"), XXXXX FARGO BANKU.S. Bank National Association, N.A.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 WACHOVIA BANKas company (in such capacity, NATIONAL ASSOCIATION, as trustee (the "TrusteeCompany").

Acts of Certificateholders. 115 Section 11.06 XIII-1 13.02 Amendment.................................................XIII-1 13.03 Recordation of Agreement..................................XIII-2 13.04 Duration of Agreement.....................................XIII-2 13.05 Governing Law....................................................................116 Section 11.07 .............................................XIII-2 13.06 Notices..........................................................................116 Section 11.08 ...................................................XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 ................................XIII-3 13.08 No Partnership............................................XIII-3 13.09 Counterparts..............................................XIII-3 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section ....................................XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice ..................................................XIII-4 13.12 Paying Agent..............................................XIII-4 13.13 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - ...........................XIII-5 13.14 Third Party Rights........................................XIII-5 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A and Certificate EXHIBIT B-2 Form of Class M Certificates Exhibit A-2 - Certificate EXHIBIT B-3 Form of Class B Certificates Exhibit A-3 - Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D Form of Class R Certificates Exhibit B - Mortgage 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 C - [Reserved] Exhibit D - EXHIBIT I Request for Release of Documents Exhibit E-1 - EXHIBIT J Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Liquidation Report EXHIBIT K Form of Transferor Certificate Exhibit F-1 - Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O Form of Transferor Representation Transferee Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter 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 1February 28, 2005 (the "Agreement")1999, among XXXXXXX XXXXX MORTGAGE INVESTORS, INC., as depositor HSBC Bank USA (the "Depositor"f/k/a Marine Midland Bank), 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")., 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. 115 Section 11.06 Governing Law....................................................................116 Section 11.07 Notices..........................................................................116 Section 11.08 Severability of Provisions.......................................................117 Section 11.09 Successors and Assigns...........................................................117 Section 11.10 Article and Section Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice to Rating Agencies........................................................117 111 EXHIBITS AND SCHEDULES: ---------------------- Exhibit A-1 - A Form of Class A and Certificates (other than the Class M Certificates A-R Certificate) .......................................A-1 Exhibit A-2 - B Form of Class B Certificates A-R Certificate...........................B-1 Exhibit A-3 - C Form of Subordinate Certificates........................C-1 Exhibit D Form of Class R Certificates X Certificates............................D-1 Exhibit B - Mortgage Loan Schedule E Form of Reverse of Certificates.........................E-1 Exhibit C - [Reserved] Exhibit D - F Request for Release of Documents Documents........................F-1 Exhibit E-1 - G-1 Form of Transfer Affidavit pursuant to Section 860E(e)(4) Trustee's Initial Certification...............G-1-1 Exhibit E-2 - 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 Investment Letter...............................J-1 Exhibit K Form of Transferor Certificate Certificate..........................K-1 Exhibit F-1 - L Form of Transferor Representation Letter Class A-R Certificate Transfer Affidavit........L-1 Exhibit F-2 - M Form of Investor Representation Letter Liquidation Report..............................M-1 Exhibit F-3 - N Put Option Notice.......................................N-1 Exhibit O Form of Rule 144A Letter Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - Put and Call Agreement..........................O-1 Schedule I Mortgage Loan Purchase Agreement Exhibit K - Form Certification to be Provided by the Master Servicer with Form 10-K POOLING AND SERVICING AGREEMENT ------------------------------- Schedule This Pooling and Servicing Agreement is dated as of January December 1, 2005 2000 (the "Agreement"), among XXXXXXX XXXXX MORTGAGE INVESTORSGREENWICH CAPITAL ACCEPTANCE, INC., as depositor (the "Depositor"), XXXXX FARGO FIFTH THIRD MORTGAGE CORPORATION, as seller (the "Seller"), FIFTH THIRD BANK, N.A., as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator") and WACHOVIA THE CHASE MANHATTAN BANK, NATIONAL ASSOCIATION, as trustee (the "Trustee").

Acts of Certificateholders. 115 Section 11.06 116 SECTION 10.06 Governing Law....................................................................116 Section 11.07 ............................................. 117 SECTION 10.07 Notices..........................................................................116 Section 11.08 ................................................... 117 SECTION 10.08 Severability of Provisions....................................................................................... 117 Section 11.09 SECTION 10.09 Successors and Assigns...........................................................117 Section 11.10 .................................... 118 SECTION 10.10 Article and Section Headings.....................................................117 Section 11.11 .............................. 118 SECTION 10.11 Counterparts.....................................................................117 Section 11.12 .............................................. 118 SECTION 10.12 Notice to Rating Agencies........................................................117 EXHIBITS ................................. 118 SECTION 10.13 Third Party Beneficiary................................... 118 SECTION 10.14 Additional Rights of the NIMs Insurer..................... 118 Exhibit A-1 - Form of Class A and Class M Certificates Exhibit A-2 - Form of Class M and Class B Certificates Exhibit A-3 - Form of Class R Certificates Exhibit A-4 - Form of Class C and Class P Certificates Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Form of MI Policy Exhibit D - Request for Release of Documents Exhibit E-1 - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Affidavit Exhibit E-3 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 H - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J 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 ------------------------------- This Pooling and Servicing Agreement is dated as of January 1, 2005 (the "Agreement"), dated as of October 1, 2005, among XXXXXXX XXXXX MERRILL LYNCH MORTGAGE INVESTORS, INC., a Delaware corporation, as depositor depxxxxxx (the xxx "Depositor"), XXXXX WACHOVIA BANK, NATIONAL ASSOCIATION, a national banking association, as trustee (the "Trustee") and WELLS FARGO BANK, N.A., a national banking association, as master servicer servxxxx (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. 115 126 Section 11.06 Governing Law....................................................................116 ............................................................................127 Section 11.07 Notices..........................................................................116 ..................................................................................127 Section 11.08 Severability of Provisions.......................................................117 ...............................................................128 Section 11.09 Successors and Assigns...........................................................117 ...................................................................128 Section 11.10 Article and Section Headings.....................................................117 .............................................................128 Section 11.11 Counterparts.....................................................................117 .............................................................................128 Section 11.12 Notice to Rating Agencies........................................................117 ................................................................128 EXHIBITS Exhibit A-1 - Form of Class A Certificates and Class M X Certificates Exhibit A-2 - Form of Class M Certificates and Class B Certificates Exhibit A-3 - Form of Class R Certificates Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 E - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Investment Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter and Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 H-7 - Servicing Agreements Exhibit I-1 to I-5 I - Assignment Agreements Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - Form Certification to be Provided by the Master Servicer with of Subsequent Mortgage Loan Purchase Agreement Exhibit L - Form 10-K of Subsequent Transfer Instrument POOLING AND SERVICING AGREEMENT ------------------------------- This Pooling and Servicing Agreement is dated as of January December 1, 2005 (the "Agreement")2004, among XXXXXXX XXXXX MORTGAGE INVESTORSStructured Asset Mortgage Investments II Inc., INC.a Delaware corporation, as depositor (the "Depositor"), XXXXX FARGO BANKU.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 "Master ServicerMasxxx Xervicer") and as securities administrator (in such capacity, the "Securities Administrator"), and EMC Mortgage Corporation, as seller (in such capacity, the "Seller") and WACHOVIA BANKas company (in such capacity, NATIONAL ASSOCIATION, as trustee (the "TrusteeCompany").

Acts of Certificateholders. 115 Section 11.06 XIII-1 13.02 Amendment......................................................................................XIII-1 13.03 Recordation of Agreement.......................................................................XIII-2 13.04 Duration of Agreement..........................................................................XIII-2 13.05 Governing Law....................................................................116 Section 11.07 ..................................................................................XIII-2 13.06 Notices..........................................................................116 Section 11.08 ........................................................................................XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 .....................................................................XIII-3 13.08 No Partnership.................................................................................XIII-3 13.09 Counterparts...................................................................................XIII-3 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section .........................................................................XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice .......................................................................................XIII-3 13.12 Paying Agent...................................................................................XIII-3 13.13 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - ................................................................XIII-4 13.14 Third Party Rights.............................................................................XIII-4 13.15 Inconsistencies................................................................................XIII-5 (v) 7 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A and Certificate EXHIBIT B-2 Form of Class M Certificates Exhibit A-2 - Certificate EXHIBIT B-3 Form of Class B Certificates Exhibit A-3 - Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E Wiring Instructions Form of Class R Certificates Exhibit B - Mortgage EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H-1 SBA Loan Schedule Exhibit C - [Reserved] Exhibit D - of the Bank EXHIBIT H-2 SBA Loan Schedule of the Funding Trust EXHIBIT I Request for Release of Documents Exhibit E-1 - EXHIBIT J Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Liquidation Report EXHIBIT K Form of Transferor Certificate Exhibit F-1 - Delinquency Report EXHIBIT L Servicer's Monthly Computer Diskette Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferor Representation Transferee Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - EXHIBIT O-2 Form of Rule 144A Letter 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").Certification

Acts of Certificateholders. 115 Section 11.06 XIII-1 13.02 Amendment................................................................................... XIII-1 13.03 Recordation of Agreement.................................................................... XIII-2 13.04 Duration of Agreement....................................................................... XIII-2 13.05 Governing Law....................................................................116 Section 11.07 ............................................................................... XIII-2 13.06 Notices..........................................................................116 Section 11.08 ..................................................................................... XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 .................................................................. XIII-3 13.08 No Partnership.............................................................................. XIII-3 13.09 Counterparts................................................................................ XIII-3 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section ...................................................................... XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice .................................................................................... XIII-3 13.12 Paying Agent................................................................................ XIII-4 13.13 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - Agency............................................................... XIII-4 13.14 Third Party Rights.......................................................................... XIII-5 (iv) EXHIBIT INDEX ------------- EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A and Class M Certificates Exhibit A-2 - Certificate EXHIBIT B-2 Form of Class B Certificates Exhibit A-3 - Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E Wiring Instructions Form of Class R Certificates Exhibit B - Mortgage EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule Exhibit C - [Reserved] Exhibit D - EXHIBIT I Request for Release of Documents Exhibit E-1 - EXHIBIT J Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Liquidation Report EXHIBIT K Form of Transferor Certificate Exhibit F-1 - Delinquency Report EXHIBIT L Servicer's Monthly Computer Diskette Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferor Representation Transferee Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - EXHIBIT O-2 Form of Rule 144A Letter Exhibit G - Form Certification EXHIBIT P List 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 SBA Loans 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").lost SBA Notes

Acts of Certificateholders. 115 116 Section 11.06 Governing Law....................................................................116 ...............................................117 Section 11.07 Notices..........................................................................116 .....................................................117 Section 11.08 Severability of Provisions.......................................................117 ..................................118 Section 11.09 Successors and Assigns...........................................................117 ......................................118 Section 11.10 Article and Section Headings.....................................................117 ................................118 Section 11.11 Counterparts.....................................................................117 ................................................118 Section 11.12 Notice to Rating Agencies........................................................117 ...................................118 APPENDIX Appendix 1 - Calculation of Class Y Principal Reduction Amount EXHIBITS Exhibit A-1 - Form of Class A and Class M Certificates Exhibit A-2 - Form of Class B 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 Certificates Xxxxxxxxxxxx Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 E - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Investment Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter and Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to - 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 - Servicing Agreements XxxxxXxxxx Xxxxxxxxx Xxxxxxxxx Xxxxxxx X-0 - XxxxxXxxxx Xxxxxxxxx Agreement Exhibit I-1 to I-5 H-7 - Xxxxxxxxxx Xxxxxxxxx Xxxxxxxxx Xxxxxxx X-0 - Xxxxx Xxxxx Xxxxxxxxx Agreement Exhibit I - Assignment Agreements Xxxxement Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - Form Certification to be Provided by the Master Servicer with Form 10-K of Trustee Limited Power of Attorney POOLING AND SERVICING AGREEMENT ------------------------------- This Pooling and Servicing Agreement is dated as of January July 1, 2005 (the "Agreement")2004, among XXXXXXX XXXXX MORTGAGE INVESTORSStructured Asset Mortgage Investments II Inc., INC.a Delaware corporation, as depositor (the "Depositor"), XXXXX FARGO BANKJPMorgan Chase Bank, N.A.a New York banking corporation, not in its individual capacity but solely as trustee (the "Trustee"), Wells Fargo Bank, National Association, as master servicer (in such 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 WACHOVIA BANKas company (in such capacity, NATIONAL ASSOCIATION, as trustee (the "TrusteeCompany").

Acts of Certificateholders. 115 108 Section 11.06 Governing Law....................................................................116 Law ............................................................................ 109 Section 11.07 Notices..........................................................................116 Notices .................................................................................. 109 Section 11.08 Severability of Provisions.......................................................117 Provisions ............................................................... 110 Section 11.09 Successors and Assigns...........................................................117 Assigns ................................................................... 110 Section 11.10 Article and Section Headings.....................................................117 Headings ............................................................. 110 Section 11.11 Counterparts.....................................................................117 Counterparts ............................................................................. 110 Section 11.12 Notice to Rating Agencies........................................................117 Agencies ................................................................ 110 EXHIBITS Exhibit A-1 - Form of Class A and Class M Certificates Exhibit A-2 - Form of Class B Certificates Exhibit A-3 - Form of Class R Certificates Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 - Servicing Agreements Agreement Exhibit I-1 to I-5 I - Assignment Agreements Agreement Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - Form Certification to be Be Provided by the Master Servicer with With Form 10-K POOLING AND SERVICING AGREEMENT ------------------------------- This Pooling and Servicing Agreement is dated as of January August 1, 2005 2004 (the "Agreement"), among XXXXXXX XXXXX MORTGAGE INVESTORSMERRILL LYNCH MORTGAGX XXXXXTXXX, INC., as depositor (the "Depositor"), XXXXX WELLS FARGO BANK, N.A.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. 115 Section 11.06 XIII-1 13.02 Amendment............................................XIII-1 13.03 Recordation of Agreement.............................XIII-2 13.04 Duration of Agreement................................XIII-2 13.05 Governing Law....................................................................116 Section 11.07 ........................................XIII-2 13.06 Notices..........................................................................116 Section 11.08 ..............................................XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 ...........................XIII-3 13.08 No Partnership.......................................XIII-3 13.09 Counterparts.........................................XIII-3 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section ...............................XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice .............................................XIII-3 13.12 The Certificate Insurer..............................XIII-3 13.13 Paying Agent.........................................XIII-4 13.14 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - ......................XIII-5 13.15 Third Party Rights...................................XIII-5 SCHEDULE I Description of Certain Litigation EXHIBIT A Contents of Mortgage File EXHIBIT B Forms of Certificates EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D Resale Certification EXHIBIT E Assignment EXHIBIT E(1) Wiring Instructions Form EXHIBIT F Form of Class A and Class M Certificates Exhibit A-2 - Trustee/Co-Trustee Initial Certification EXHIBIT F-1 Form of Class B Certificates Exhibit A-3 - Trustee/Co-Trustee Interim Certification EXHIBIT G Form of Class R Certificates Exhibit B - Trustee/Co-Trustee Final Certification EXHIBIT H Pool I Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - EXHIBIT 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 E-1 - EXHIBIT J-1 Request for Release Documents of 90 Day Delinquent Pool III Loans EXHIBIT K Transfer Affidavit EXHIBIT L Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Notice EXHIBIT M Custodial Agreement EXHIBIT M-1 Pool III Custodial Agreement EXHIBIT N Form of Transferor Certificate Exhibit F-1 - Liquidation Report EXHIBIT O Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter Exhibit G - Form of Custodial Delinquency Report EXHIBIT P [Omitted] EXHIBIT Q [Omitted] EXHIBIT R Servicer's Monthly Computer Tape Format EXHIBIT S Subservicing Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - EXHIBIT T Prices for Low Interest Mortgage Loan Purchase Loans 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 1November 30, 2005 (the "Agreement")1996, 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 ASSOCIATIONThe Bank of New 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. 115 Section 11.06 XIII-1 13.02 Amendment.................................................XIII-1 13.03 Recordation of Agreement..................................XIII-2 13.04 Duration of Agreement.....................................XIII-2 13.05 Governing Law....................................................................116 Section 11.07 .............................................XIII-2 13.06 Notices..........................................................................116 Section 11.08 ...................................................XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 ................................XIII-3 13.08 No Partnership............................................XIII-3 13.09 Counterparts..............................................XIII-3 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section ....................................XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice ..................................................XIII-3 13.12 The Certificate Insurer...................................XIII-3 13.13 Paying Agent..............................................XIII-4 13.14 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - ...........................XIII-5 13.15 Third Party Rights........................................XIII-5 SCHEDULE I Description of Certain Litigation SCHEDULE II Auction Procedures EXHIBIT A Contents of Mortgage File EXHIBIT B Forms of Certificates EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D Resale Certification EXHIBIT E Assignment EXHIBIT E(1) Wiring Instructions Form EXHIBIT F Form of Class A and Class M Certificates Exhibit A-2 - Trustee/Co-Trustee Initial Certification EXHIBIT F-1 Form of Class B Certificates Exhibit A-3 - Trustee/Co-Trustee Interim Certification EXHIBIT G Form of Class R Certificates Exhibit B - Trustee/Co-Trustee Final Certification EXHIBIT H Pool I Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - EXHIBIT 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 E-1 - EXHIBIT J-1 Request for Release Documents of 90 Day Delinquent Pool III Loans EXHIBIT K Transfer Affidavit EXHIBIT L Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Notice EXHIBIT M Custodial Agreement EXHIBIT M-1 Pool III Custodial Agreement EXHIBIT N Form of Transferor Certificate Exhibit F-1 - Liquidation Report EXHIBIT O Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter Exhibit G - Form of Custodial Delinquency Report EXHIBIT P [Omitted] EXHIBIT Q [Omitted] EXHIBIT R Servicer's Monthly Computer Tape Format EXHIBIT S Subservicing Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - EXHIBIT T Prices for Low Interest Mortgage Loan Purchase Loans 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 1August 31, 2005 (the "Agreement")1996, 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 ASSOCIATIONThe Bank of New 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. 115 112 Section 11.06 Governing Law....................................................................116 ............................................................................113 Section 11.07 Notices..........................................................................116 ..................................................................................113 Section 11.08 Severability of Provisions.......................................................117 ...............................................................114 Section 11.09 Successors and Assigns...........................................................117 ...................................................................114 Section 11.10 Article and Section Headings.....................................................117 .............................................................114 Section 11.11 Counterparts.....................................................................117 .............................................................................114 Section 11.12 Notice to Rating Agencies........................................................117 ................................................................114 APPENDIX Appendix 1 - Calculation of Class Y Principal Reduction Amount EXHIBITS Exhibit A-1 - Form of Class A and Class M Certificates Exhibit A-2 - Form of Class B Certificates Exhibit 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 - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 E - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Investment Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter and Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 - Alliance Servicing Agreements Agreement Exhibit I-1 to I-5 H-2 - Countrywide Servicing Agreement Exhibit I - Assignment Agreements 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 January December 1, 2005 (the "Agreement")2003, among XXXXXXX XXXXX MORTGAGE INVESTORSStructured Asset Mortgage Investments II Inc., INC.a Delaware corporation, as depositor (the "Depositor"), XXXXX FARGO BANKJPMorgan Chase Bank, N.A.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 WACHOVIA BANKas company (in such capacity, NATIONAL ASSOCIATION, as trustee (the "TrusteeCompany").

Acts of Certificateholders. 115 104 Section 11.06 Governing Law....................................................................116 ...............................................................105 Section 11.07 Notices..........................................................................116 .....................................................................105 Section 11.08 Severability of Provisions.......................................................117 ..................................................105 Section 11.09 Successors and Assigns...........................................................117 ......................................................106 Section 11.10 Article and Section Headings.....................................................117 ................................................106 Section 11.11 Counterparts.....................................................................117 ................................................................106 Section 11.12 Notice to Rating Agencies........................................................117 ...................................................106 EXHIBITS Exhibit A-1 - Form of Class A and Class M Certificates Exhibit A-2 - Form of Class B Certificates Exhibit A-3 - Form of Class R Certificates Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 E - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Investment Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter and Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 I - 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 October 1, 2005 2001, among Structured Asset Mortgage Investments Inc., a Delaware corporation, as seller (the "AgreementSeller"), among XXXXXXX XXXXX MORTGAGE INVESTORSBank One, INC.National Association, a national banking association, not in its individual capacity but solely as depositor trustee (the "DepositorTrustee"), XXXXX FARGO BANKWells Fargo Bank Mixxxxxta, N.A.National 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 EMC Mortgage Corporation (the "TrusteeEMC").

Acts of Certificateholders. 115 Section 11.06 XIII-1 13.02 Amendment.......................................................XIII-1 13.03 Recordation of Agreement........................................XIII-2 13.04 Duration of Agreement...........................................XIII-2 13.05 Governing Law....................................................................116 Section 11.07 ...................................................XIII-2 13.06 Notices..........................................................................116 Section 11.08 .........................................................XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 ......................................XIII-3 13.08 No Partnership..................................................XIII-3 13.09 Counterparts....................................................XIII-4 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section ..........................................XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice ........................................................XIII-4 13.12 Paying Agent....................................................XIII-4 13.13 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - .................................XIII-5 13.14 Third Party Rights..............................................XIII-5 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A and Class M Certificates Exhibit A-2 - Certificate EXHIBIT B-2 Form of Class B Certificates Exhibit A-3 - Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form of Class R Certificates Exhibit B - Mortgage EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule Exhibit C - [Reserved] Exhibit D - EXHIBIT I Request for Release of Documents Exhibit E-1 - EXHIBIT J Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Liquidation Report EXHIBIT K Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter Exhibit G - Form of Custodial Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - Mortgage Loan Purchase EXHIBIT N Spread Account 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 1February 28, 2005 (the "Agreement")1998, 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 ASSOCIATIONMarine 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. 115 Section 11.06 XIII-1 13.02 Amendment.....................................................XIII-1 13.03 Recordation of Agreement......................................XIII-2 13.04 Duration of Agreement.........................................XIII-2 13.05 Governing Law....................................................................116 Section 11.07 .................................................XIII-2 13.06 Notices..........................................................................116 Section 11.08 .......................................................XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 ....................................XIII-3 13.08 No Partnership................................................XIII-3 13.09 Counterparts..................................................XIII-3 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section ........................................XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice ......................................................XIII-4 13.12 Paying Agent..................................................XIII-4 13.13 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - ...............................XIII-5 13.14 Third Party Rights............................................XIII-5 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A and Class M Certificates Exhibit A-2 - Certificate EXHIBIT B-2 Form of Class B Certificates Exhibit A-3 - Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form of Class R Certificates Exhibit B - Mortgage EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule Exhibit C - [Reserved] Exhibit D - EXHIBIT I Request for Release of Documents Exhibit E-1 - EXHIBIT J Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Liquidation Report EXHIBIT K Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter Exhibit G - Form of Custodial Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - Mortgage Loan Purchase EXHIBIT N Spread Account 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 1November 30, 2005 (the "Agreement")1996, 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 ASSOCIATIONMarine 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. 115 62 Section 11.06 12.06. Calculations.................................................................63 Section 12.07. Assignment or Delegation by Trust Depositor..................................63 Section 12.08. Amendment....................................................................63 Section 12.09. Notices......................................................................64 Section 12.10. Merger and Integration.......................................................66 Section 12.11. Headings.....................................................................66 Section 12.12. Governing Law....................................................................116 ................................................................66 Section 11.07 Notices..........................................................................116 12.13. No Insolvency Petition.......................................................66 Section 11.08 Severability of Provisions.......................................................117 12.14. Third Party Beneficiary......................................................66 Section 11.09 Successors and Assigns...........................................................117 12.15. No Additional Securities.....................................................66 Section 11.10 Article and Section Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice to Rating Agencies........................................................117 EXHIBITS 12.16. No Additional Indebtedness by the Trust Depositor............................66 Exhibit A-1 - A-l -- Form of Certificate for Motorcycle Contracts [_____] Grantor Trust Class A and Class M Certificates Exhibit A-2 - -- Form of Certificate for Motorcycle Contracts [_____] Grantor Trust Class B Certificates Exhibit A-3 - B -- Form of Class R Certificates Assignment Exhibit B - Mortgage Loan Schedule C-1 -- Form of Closing Certificate of Trust Depositor Exhibit C - C-2 -- Form of Closing Certificate of Servicer/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-consolidation Exhibit E -- Form of Reserve Account Agreement Exhibit F -- Form of Certificate of Servicing Officer Exhibit G -- Form of Certificate Regarding Repurchased Contracts Exhibit H -- [Reserved] Exhibit D - Request for Release I -- List of Documents Contracts Exhibit E-1 - J -- Form of Transfer Affidavit pursuant Monthly Report to Section 860E(e)(4) Certificateholders Exhibit E-2 - K -- Seller's Representations and Warranties Exhibit L -- Lockbox Bank and Lockbox Account Exhibit M -- Form of Transferor Certificate Contract Stamp Exhibit F-1 - N -- Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter Exhibit G - Form of Custodial Subsequent Transfer 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 Agreement, dated as of January 1[_____], 2005 is made by and among Eaglemark Customer Funding Corporation-[___], a Nevada corporation (the "Agreement"), among XXXXXXX XXXXX MORTGAGE INVESTORS, INC., as depositor (the "Trust Depositor"), XXXXX FARGO BANKEaglemark, N.A.Inc., a Nevada corporation, as master servicer Servicer (in such capacity, the "Master Servicer") and Xxxxxx Trust and Savings Bank, an Illinois banking corporation ("Xxxxxx") not in its individual capacity but solely as securities administrator Trustee (in such capacity, the "Securities AdministratorTrustee") and WACHOVIA BANK, NATIONAL ASSOCIATION, as trustee of Eaglemark Trust [_____] (the "TrusteeTrust").. 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. 115 Section 11.06 Governing Law....................................................................Law ................................................................. 116 Section 11.07 Notices..........................................................................Notices ....................................................................... 116 Section 11.08 Severability of Provisions.......................................................Provisions .................................................... 117 Section 11.09 Successors and Assigns...........................................................Assigns ........................................................ 117 Section 11.10 Article and Section Headings.....................................................Headings .................................................. 117 Section 11.11 Counterparts.....................................................................Counterparts .................................................................. 117 Section 11.12 Notice to Rating Agencies........................................................Agency ....................................................... 117 EXHIBITS Exhibit A-1 - Form of Class A and Class M Certificates Exhibit A-2 - Form of Class B M Certificates Exhibit A-3 - Form of Class B-IO Certificates Exhibit A-4 - Form of Class R Certificates Exhibit B - Mortgage Loan Schedule Exhibit C C-1 - [Reserved] Form of Initial Certification Exhibit C-2 - Form of Interim Certification Exhibit C-3 - Form of Final Certification Exhibit D - Request for Release of Documents Exhibit E-1 E - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Investment Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter and Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 H - List of Servicers and Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J I - Mortgage Loan Purchase Agreement Exhibit J - Certificate of Trust Exhibit K - Form Certification to be Provided by the Master Servicer with Form 101998-K 1 Mortgage Loans Mortgage File Exhibit L - Notice of Exercise of Optional Securities Purchase Right TRUST, POOLING AND SERVICING AGREEMENT ------------------------------- This Trust, Pooling and Servicing Agreement is dated as of January 1, 2005 (the this "Agreement"), dated as of March 1, 2003, among XXXXXXX XXXXX MORTGAGE INVESTORSStructured Asset Mortgage Investments Inc., INC.a Delaware corporation, as depositor seller (the "DepositorSeller"), XXXXX FARGO BANKDeutsche Bank National Trust Company, N.A.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 WACHOVIA BANKXxxxxxxxx Mortgage Home Loans, NATIONAL ASSOCIATION, as trustee Inc. (the "TrusteeXxxxxxxxx").

Acts of Certificateholders. 115 Section 11.06 Governing Law....................................................................116 Section 11.07 Notices..........................................................................116 Section 11.08 Severability of Provisions.......................................................117 Section 11.09 Successors and Assigns...........................................................117 Section 11.10 Article and Section Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 ... Section 11.12 Notice to Rating Agencies........................................................117 EXHIBITS Regulation AB Compliance; Intent of Parties; Reasonableness.............................................. EXHIBITS: Exhibit A-1 - Form of Class A and Class M AI-1A Certificates Exhibit A-2 - Form of Class B AI-1B Certificates Exhibit A-3 - A-4 Form of Class AII-1 Certificates Exhibit A-5 Form of Class AII-2 Certificates Exhibit A-6 Form of Class AII-3 Certificates Exhibit B-1 Form of Class M-1 Certificates Exhibit B-2 Form of Class M-2 Certificates Exhibit B-3 Form of Class M-3 Certificates Exhibit B-4 Form of Class M-4 Certificates Exhibit B-5 Form of Class M-5 Certificates Exhibit B-6 Form of Class M-6 Certificates Exhibit B-7 Form of Class M-7 Certificates Exhibit B-8 Form of Class M-8 Certificates Exhibit B-9 Form of Class M-9 Certificates Exhibit B-10 Form of Class M-10 Certificates Exhibit B-11 Form of Class M-11 Certificates Exhibit B-12 Form of Class M-12 Certificates Exhibit B-13 Form of Class M-13 Certificates Exhibit C-1 Form of Class CE Certificates Exhibit C-2 Form of Class P Certificates Exhibit C-3 Form of Class R Certificates Exhibit B - C-4 Form of Class R-X Certificates Exhibit D-1 Addresses for Requesting Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - E Form of Request for Release of Documents Exhibit E-1 - F-1 Form of Custodian's Initial Certification Exhibit F-2 Form of Custodian's Final Certification Exhibit G Form of Mortgage Loan Purchase Agreement Exhibit H Form of Lost Note Affidavit Exhibit I Form of ERISA Representation Letter Exhibit J Form of Rule 144A Investment Letter Exhibit K Form of Class [R] [R-X] Certificate Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - L Form of Transferor Certificate for the Class M-12, Class M-13, Class CE, Class P, Class R and Class R-X Certificates Exhibit F-1 - M Monthly Information Provided by Servicer Exhibit N Form of Transferor Representation Letter Yield Maintenance Agreement Exhibit F-2 - O Form of Investor Representation Letter Xxxxxxxx-Xxxxx Certification Exhibit F-3 - P Form of Rule 144A Letter Certification of the Securities Administrator to be Provided to Servicer Exhibit G - Q List of Recordation States Exhibit R Form of Custodial Agreement Exhibit H-1 to H-5 - S Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - Mortgage Loan Purchase Agreement Exhibit K - Form Certification Criteria to be Provided by the Master Servicer with Addressed in Assessment of Compliance Exhibit T Additional Form 10-D Disclosure Exhibit U Additional Form 10-K POOLING AND SERVICING AGREEMENT ------------------------------- Disclosure Exhibit V Form 8-K Disclosure Information Exhibit W Additional Disclosure Notification This Pooling and Servicing Agreement is dated as of January 1[ ], 2005 200 (the "Agreement"), among XXXXXXX XXXXX MORTGAGE INVESTORS, INC.FARGO ASSET SECURITIES CORPORATION, as depositor (the "Depositor"), XXXXX FARGO BANK, N.A., as master servicer (in such capacity, the "Master Servicer") and ), XXXXX FARGO BANK, N.A., as securities administrator (in such capacity, the "Securities Administrator") and WACHOVIA BANKHSBC BANK USA, NATIONAL ASSOCIATION, as trustee (the "Trustee").

Acts of Certificateholders. 115 159 Section 11.06 Governing Law....................................................................116 .................................................160 Section 11.07 Notices..........................................................................116 .......................................................160 Section 11.08 Severability of Provisions.......................................................117 ....................................161 Section 11.09 Successors and Assigns...........................................................117 ........................................161 Section 11.10 Article and Section Headings.....................................................117 ..................................161 Section 11.11 Counterparts.....................................................................117 ..................................................161 Section 11.12 Notice to Rating Agencies........................................................117 .....................................161 EXHIBITS Exhibit A-1 - Form of Class A and Class M X Certificates Exhibit A-2 - Form of Class B Certificates Exhibit A-3 - Form of Class R Certificates Exhibit B - Mortgage Loan Schedule Exhibit C - [Reserved] Exhibit D - Request for Release of Documents Exhibit E-1 E - Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Investment Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter and Related Matters Certificate Exhibit G - Form of Custodial Agreement Exhibit H-1 to H-5 H-11 - Servicing Agreements Exhibit I-1 to I-5 I - 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 November 1, 2005 (the "Agreement")2004, among XXXXXXX XXXXX MORTGAGE INVESTORSStructured Asset Mortgage Investments II Inc., INC.a Delaware corporation, as depositor (the "Depositor"), XXXXX FARGO BANKU.S. Bank National Association, N.A.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 WACHOVIA BANKas company (in such capacity, NATIONAL ASSOCIATION, as trustee (the "TrusteeCompany").

Acts of Certificateholders. 115 Section 11.06 XIII-1 13.02 Amendment.................................XIII-1 13.03 Recordation of Agreement..................XIII-2 13.04 Duration of Agreement.....................XIII-2 13.05 Governing Law....................................................................116 Section 11.07 .............................XIII-2 13.06 Notices..........................................................................116 Section 11.08 ...................................XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 ................XIII-3 13.08 No Partnership............................XIII-3 13.09 Counterparts..............................XIII-3 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section ....................XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice ..................................XIII-4 13.12 Paying Agent..............................XIII-4 13.13 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - ...........XIII-5 13.14 Third Party Rights........................XIII-5 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A and Class M Certificates Exhibit A-2 - Certificate EXHIBIT B-2 Form of Class B Certificates Exhibit A-3 - Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E [Omitted] EXHIBIT E(1) Wiring Instructions Form of Class R Certificates Exhibit B - Mortgage EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule Exhibit C - [Reserved] Exhibit D - EXHIBIT I Request for Release of Documents Exhibit E-1 - EXHIBIT J Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Liquidation Report EXHIBIT K Form of Transferor Certificate Exhibit F-1 - Form of Transferor Representation Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - Form of Rule 144A Letter Exhibit G - Form of Custodial Delinquency Report EXHIBIT L Servicer's Monthly Computer Tape Format EXHIBIT M Multi-Party Agreement Exhibit H-1 to H-5 - Servicing Agreements Exhibit I-1 to I-5 - Assignment Agreements Exhibit J - Mortgage Loan Purchase EXHIBIT N Spread Account 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 1August 31, 2005 (the "Agreement")1997, 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 ASSOCIATIONMarine 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. 115 Section 11.06 XIII-1 13.02 Amendment....................................................................................... XIII-1 13.03 Recordation of Agreement........................................................................ XIII-2 13.04 Duration of Agreement........................................................................... XIII-2 13.05 Governing Law....................................................................116 Section 11.07 ................................................................................... XIII-2 13.06 Notices..........................................................................116 Section 11.08 ......................................................................................... XIII-2 13.07 Severability of Provisions.......................................................117 Section 11.09 ...................................................................... XIII-3 13.08 No Partnership.................................................................................. XIII-3 13.09 Counterparts.................................................................................... XIII-3 13.10 Successors and Assigns...........................................................117 Section 11.10 Article and Section .......................................................................... XIII-3 13.11 Headings.....................................................117 Section 11.11 Counterparts.....................................................................117 Section 11.12 Notice ........................................................................................ XIII-3 13.12 Paying Agent.................................................................................... XIII-4 13.13 Notification to Rating Agencies........................................................117 EXHIBITS Exhibit A-1 - Agency................................................................... XIII-4 13.14 Third Party Rights.............................................................................. XIII-5 13.15 Inconsistencies................................................................................. XIII-5 (v) 7 EXHIBIT INDEX EXHIBIT A Contents of SBA File EXHIBIT B-1 Form of Class A and Certificate EXHIBIT B-2 Form of Class M Certificates Exhibit A-2 - Certificate EXHIBIT B-3 Form of Class B Certificates Exhibit A-3 - Certificate EXHIBIT C Principal and Interest Account Letter Agreement EXHIBIT D [Omitted] EXHIBIT E Wiring Instructions Form of Class R Certificates Exhibit B - Mortgage EXHIBIT F-1 Initial Certification EXHIBIT F-2 Final Certification EXHIBIT G [Omitted] EXHIBIT H SBA Loan Schedule Exhibit C - [Reserved] Exhibit D - EXHIBIT I Request for Release of Documents Exhibit E-1 - EXHIBIT J Form of Transfer Affidavit pursuant to Section 860E(e)(4) Exhibit E-2 - Liquidation Report EXHIBIT K Form of Transferor Certificate Exhibit F-1 - Delinquency Report EXHIBIT L Servicer's Monthly Computer Diskette Format EXHIBIT M Multi-Party Agreement EXHIBIT N Spread Account Agreement EXHIBIT O-1 Form of Transferor Representation Transferee Letter Exhibit F-2 - Form of Investor Representation Letter Exhibit F-3 - EXHIBIT O-2 Form of Rule 144A Letter Exhibit G - Form Certification EXHIBIT P List 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 SBA Loans 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").lost SBA Notes