Common use of Annual Independent Public Accountants’ Servicing Statement Clause in Contracts

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end of the Master Servicer's fiscal year, commencing with its 2005 fiscal year, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor to the effect that such firm has examined certain documents and records relating to the servicing of the Mortgage Loans under this Agreement or of mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC, such servicing has been conducted in compliance with such pooling and servicing agreements except for such significant exceptions or errors in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to report. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end April 30 of the Master Servicer's fiscal each year, commencing beginning with its 2005 fiscal yearApril 30, 1996, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services furnish to the Master ServicerDepositor, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor Seller (i) an opinion by a firm of independent certified public accountants on the financial position of the Master Servicer at the end of its fiscal year and the results of operations and changes in financial position of the Master Servicer for such year then ended on the basis of an examination conducted in accordance with generally accepted auditing standards, and (ii) if the Master Servicer is then servicing any Mortgage Loans, a statement from such independent certified public accountants to the effect that such firm has examined based on an examination of certain specified documents and records relating to the servicing of the Mortgage Loans under this Agreement or of Master Servicer's mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, loan portfolio conducted substantially in compliance with the Uniform Single Attestation Program audit program for Mortgage Bankers or the Audit Program for Mortgages mortgages serviced for FNMA and FHLMC, the United States Department of Housing and Urban Development Mortgage Audit Standards, or the Uniform Single Audit Program for Mortgage Bankers (the "Applicable Accounting Standards"), such firm is of the opinion that such servicing has been conducted in compliance with such pooling and servicing agreements the Applicable Accounting Standards except for (a) such significant exceptions or errors as such firm shall believe to be immaterial and (b) such other exceptions as shall be set forth in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportstatement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Audit Program for Mortgage Bankers or the Audit Program audit program for Mortgages mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end April 30th of the Master Servicer's fiscal each year, commencing beginning with its 2005 fiscal yearApril 30, 1998, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services furnish to the Master ServicerSeller, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor Loan Seller (i) an opinion by a firm of independent certified public accountants on the financial position of the Master Servicer at the end of its fiscal year and the results of operations and changes in financial position of the Master Servicer for such year then ended on the basis of an examination conducted in accordance with generally accepted auditing standards, and (ii) if the Master Servicer is then servicing any Mortgage Loans, a statement from such independent certified public accountants to the effect that such firm has examined based on an examination of certain specified documents and records relating to the servicing of the Mortgage Loans under this Agreement or of Master Servicer's mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, loan portfolio conducted substantially in compliance with the audit program for mortgages serviced for FNMA and FHLMC, the United States Department of Housing and Urban Development Mortgage Audit Standards, or the Uniform Single Attestation Program for Mortgage Bankers or (the Audit Program for Mortgages serviced for FNMA and FHLMC"Applicable Accounting Standards"), such firm is of the opinion that such servicing has been conducted in compliance with such pooling and servicing agreements the Applicable Accounting Standards except for (a) such significant exceptions or errors as such firm shall believe to be immaterial and (b) such other exceptions as shall be set forth in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportstatement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program audit program for Mortgages mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner Securityholder upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end March 25 of the Master Servicer's fiscal each applicable year, commencing with its 2005 fiscal yearin 2004, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, a Seller the Depositor or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor to the effect that such firm has examined certain documents and records relating to the servicing of the Mortgage Loans under this Agreement or of mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or alternatively, if the Master Servicer has so elected, the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMCXxxxxxx Mac, such servicing has been conducted in compliance with such pooling and servicing agreements except for such significant exceptions or errors in records that, in the opinion of setting forth such firm, ’s conclusions relating thereto in accordance with the Uniform Single Attestation Program for Mortgage Bankers applicable attestation program or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportaudit program. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA Xxxxxx Mae and FHLMC Xxxxxxx Mac (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's ’s expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end March 25 of the Master Servicer's fiscal each applicable year, commencing with its 2005 fiscal yearin 2005, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, a Seller the Depositor or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Issuer, the Indenture Trustee and the Depositor to the effect that such firm has examined certain documents and records relating to the servicing of the Mortgage Loans under this Agreement or of mortgage loans under pooling sale and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling sale and servicing agreements covered thereby) and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or alternatively, if the Master Servicer has so elected, the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMCFreddie Mac, such servicing has been conducted in compliance with such pooling and servicing agreements except for such significant exceptions or errors in records that, in the opinion of setting forth such firm, ’s conclusions relating thereto in accordance with the Uniform Single Attestation Program for Mortgage Bankers applicable attestation program or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportaudit program. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMC Freddie Mac (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Indenture Trustee to any Certificateholder or Certificate Owner Securityholder upon request at the Master Servicer's ’s expense, provided that such statement is delivered by the Master Servicer to the Indenture Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end March 25 of the Master Servicer's fiscal each applicable year, commencing with its 2005 fiscal yearin 2005, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, a Seller the Depositor or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Issuer, the Indenture Trustee and the Depositor to the effect that such firm has examined certain documents and records relating to the servicing of the Mortgage Loans under this Agreement or of mortgage loans under pooling sale and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling sale and servicing agreements covered thereby) and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or alternatively, if the Master Servicer has so elected, the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMCFreddie Mac, such servicing has been conducted in compliance with such pooling and servicing agreements except for such significant exceptions or errors in records that, in the opinion of setting forth such firm, ’s conclusions relating thereto in accordance with the Uniform Single Attestation Program for Mortgage Bankers applicable attestation program or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportaudit program. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMC Freddie Mac (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Indenture Trustee to any Certificateholder or Certificate Owner Securityholder upon request at the Master Servicer's ’s expense, provided that such statement is delivered by the Master Servicer to the Indenture Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end April 30th of the Master Servicer's fiscal each year, commencing beginning with its 2005 fiscal yearApril 30, 1998, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services furnish to the Master ServicerSeller, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor Loan Seller (i) an opinion by a firm of independent certified public accountants on the financial position of the Master Servicer at the end of its fiscal year and the results of operations and changes in financial position of the Master Servicer for such year then ended on the basis of an examination conducted in accordance with generally accepted auditing standards, and (ii) if the Master Servicer is then servicing any Mortgage Loans, a statement from such independent certified public accountants to the effect that such firm has examined based on an examination of certain specified documents and records relating to the servicing of the Mortgage Loans under this Agreement or of Master Servicer's mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, loan portfolio conducted substantially in compliance with the audit program for mortgages serviced for FNMA and FHLMC, the United States Department of Housing and Urban Development Mortgage Audit Standards, or the Uniform Single Attestation Program for Mortgage Bankers or (the Audit Program for Mortgages serviced for FNMA and FHLMC"Applicable Accounting Standards"), such firm is of the opinion that such servicing has been conducted in compliance with such pooling and servicing agreements the Applicable Accounting Standards except for (a) such significant exceptions or errors as such firm shall believe to be immaterial and (b) such other exceptions as shall be set forth in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportstatement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program audit program for Mortgages mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end April 30 of the Master Servicer's fiscal each year, commencing beginning with its 2005 fiscal yearApril 30, 1996, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services furnish to the Master ServicerDepositor, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor Seller (i) an opinion by a firm of independent certified public accountants on the financial position of the Master Servicer at the end of its fiscal year and the results of operations and changes in financial position of the Master Servicer for such year then ended on the basis of an examination conducted in accordance with generally accepted auditing standards, and (ii) if the Master Servicer is then servicing any Mortgage Loans, a statement from such independent certified public accountants to the effect that such firm has examined based on an examination of certain specified documents and records relating to the servicing of the Mortgage Loans under this Agreement or of Master Servicer's mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, loan portfolio conducted substantially in compliance with the audit program for mortgages serviced for FNMA and FHLMC, the United States Department of Housing and Urban Development Mortgage Audit Standards, or the Uniform Single Attestation Program for Mortgage Bankers or (the Audit Program for Mortgages serviced for FNMA and FHLMC"Applicable Accounting Standards"), such firm is of the opinion that such servicing has been conducted in compliance with such pooling and servicing agreements the Applicable Accounting Standards except for (a) such significant exceptions or errors as such firm shall believe to be immaterial and (b) such other exceptions as shall be set forth in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportstatement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program audit program for Mortgages mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end March 30 of the Master Servicer's fiscal each applicable year, commencing with its 2005 fiscal yearin 2004, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, a Seller the Depositor or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor to the effect that such firm has examined certain documents and records relating to the servicing of the Mortgage Loans under this Agreement or of mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or alternatively, if the Master Servicer has so elected, the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMCXxxxxxx Mac, such servicing has been conducted in compliance with such pooling and servicing agreements except for such significant exceptions or errors in records that, in the opinion of setting forth such firm, ’s conclusions relating thereto in accordance with the Uniform Single Attestation Program for Mortgage Bankers applicable attestation program or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportaudit program. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA Xxxxxx Mae and FHLMC Xxxxxxx Mac (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's ’s expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end April 15 of the Master Servicer's fiscal each year, commencing beginning with its 2005 fiscal yearApril 15, 1996, the Master Servicer at its expense shall cause furnish to the Depositor, the Trustee, the Seller and the Certificate Insurer (i) an opinion by a nationally or regionally recognized firm of independent certified public accountants (who may also render other services to on the financial position of the Master ServicerServicer at the end of its fiscal year and the results of operations and changes in financial position of the Master Servicer for such year then ended on the basis of an examination conducted in accordance with generally accepted auditing standards, and (ii) if the Master Servicer is then servicing any Mortgage Loans, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor from such independent certified public accountants to the effect that such firm has examined based on an examination of certain specified documents and records relating to the servicing of the Mortgage Loans under this Agreement or of Master Servicer's mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, loan portfolio conducted substantially in compliance with the Uniform Single Attestation Program audit program for Mortgage Bankers or the Audit Program for Mortgages mortgages serviced for FNMA and FHLMC, the United States Department of Housing and Urban Development Mortgage Audit Standards, or the Uniform Single Audit Program for Mortgage Bankers (the "Applicable Accounting Standards"), such firm is of the opinion that such servicing has been conducted in compliance with such pooling and servicing agreements the Applicable Accounting Standards except for (a) such significant exceptions or errors as such firm shall believe to be immaterial and (b) such other exceptions as shall be set forth in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportstatement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Audit Program for Mortgage Bankers or the Audit Program audit program for Mortgages mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end April 30th of the Master Servicer's fiscal each year, commencing beginning with its 2005 fiscal yearApril 30, 1996, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services furnish to the Master ServicerDepositor, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor Seller (i) an opinion by a firm of independent certified public accountants on the financial position of the Master Servicer at the end of its fiscal year and the results of operations and changes in financial position of the Master Servicer for such year then ended on the basis of an examination conducted in accordance with generally accepted auditing standards, and (ii) if the Master Servicer is then servicing any Mortgage Loans, a statement from such independent certified public accountants to the effect that such firm has examined based on an examination of certain specified documents and records relating to the servicing of the Mortgage Loans under this Agreement or of Master Servicer's mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, loan portfolio conducted substantially in compliance with the audit program for mortgages serviced for FNMA and FHLMC, the United States Department of Housing and Urban Development Mortgage Audit Standards, or the Uniform Single Attestation Program for Mortgage Bankers or (the Audit Program for Mortgages serviced for FNMA and FHLMC"Applicable Accounting Standards"), such firm is of the opinion that such servicing has been conducted in compliance with such pooling and servicing agreements the Applicable Accounting Standards except for (a) such significant exceptions or errors as such firm shall believe to be immaterial and (b) such other exceptions as shall be set forth in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportstatement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program audit program for Mortgages mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end April 30th of the Master Servicer's fiscal each year, commencing beginning with its 2005 fiscal yearApril 30, 1995, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services furnish to the Master ServicerDepositor, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor Seller (i) an opinion by a firm of independent certified public accountants on the financial position of the Master Servicer at the end of its fiscal year and the results of operations and changes in financial position of the Master Servicer for such year then ended on the basis of an examination conducted in accordance with generally accepted auditing standards, and (ii) if the Master Servicer is then servicing any Mortgage Loans, a statement from such independent certified public accountants to the effect that such firm has examined based on an examination of certain specified documents and records relating to the servicing of the Mortgage Loans under this Agreement or of Master Servicer's mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, loan portfolio conducted substantially in compliance with the Uniform Single Attestation Program audit program for Mortgage Bankers or the Audit Program for Mortgages mortgages serviced for FNMA and FHLMC, the United States Department of Housing and Urban Development Mortgage Audit Standards, or the Uniform Single Audit Program for Mortgage Bankers (the "Applicable Accounting Standards"), such firm is of the opinion that such servicing has been conducted in compliance with such pooling and servicing agreements the Applicable Accounting Standards except for (a) such significant exceptions or errors as such firm shall believe to be immaterial and (b) such other exceptions as shall be set forth in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportstatement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Audit Program for Mortgage Bankers or the Audit Program audit program for Mortgages mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end April 30th of the Master Servicer's fiscal each year, commencing beginning with its 2005 fiscal yearApril 30, 1996, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services furnish to the Master ServicerDepositor, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor Seller (i) an opinion by a firm of independent certified public accountants on the financial position of the Master Servicer at the end of its fiscal year and the results of operations and changes in financial position of the Master Servicer for such year then ended on the basis of an examination conducted in accordance with generally accepted auditing standards, and (ii) if the Master Servicer is then servicing any Mortgage Loans, a statement from such independent certified public accountants to the effect that such firm has examined based on an examination of certain specified documents and records relating to the servicing of the Mortgage Loans under this Agreement or of Master Servicer's mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, loan portfolio conducted substantially in compliance with the Uniform Single Attestation Program audit program for Mortgage Bankers or the Audit Program for Mortgages mortgages serviced for FNMA and FHLMC, the United States Department of Housing and Urban Development Mortgage Audit Standards, or the Uniform Single Audit Program for Mortgage Bankers (the "Applicable Accounting Standards"), such firm is of the opinion that such servicing has been conducted in compliance with such pooling and servicing agreements the Applicable Accounting Standards except for (a) such significant exceptions or errors as such firm shall believe to be immaterial and (b) such other exceptions as shall be set forth in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportstatement. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by SubservicersSub-Servicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Audit Program for Mortgage Bankers or the Audit Program audit program for Mortgages mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related SubservicerSub-Servicer. Copies of such statement shall be provided by the Trustee to any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end [ ] of the Master Servicer's fiscal each applicable year, commencing with its 2005 fiscal yearin [ ], the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, a Seller the Depositor or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Issuer, the Indenture Trustee and the Depositor to the effect that such firm has examined certain documents and records relating to the servicing of the Mortgage Loans under this Agreement or of mortgage loans under pooling sale and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling sale and servicing agreements covered thereby) and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or alternatively, if the Master Servicer has so elected, the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMCXxxxxxx Mac, such servicing has been conducted in compliance with such pooling and servicing agreements except for such significant exceptions or errors in records that, in the opinion of setting forth such firm, ’s conclusions relating thereto in accordance with the Uniform Single Attestation Program for Mortgage Bankers applicable attestation program or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportaudit program. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA Xxxxxx Mae and FHLMC Xxxxxxx Mac (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Indenture Trustee to any Certificateholder or Certificate Owner Securityholder upon request at the Master Servicer's ’s expense, provided that such statement is delivered by the Master Servicer to the Indenture Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end of the Master Servicer's fiscal year, commencing with its 2005 fiscal year, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, a Seller or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee and the Depositor to the effect that such firm has examined certain documents and records relating to the servicing of the Mortgage Loans under this Agreement or of mortgage loans under pooling and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling and servicing agreements covered thereby) and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC, such servicing has been conducted in compliance with such pooling and servicing agreements except for such significant exceptions or errors in records that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to report. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA and FHLMC (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Trustee to Radian and any Certificateholder or Certificate Owner upon request at the Master Servicer's expense, provided that such statement is delivered by the Master Servicer to the Trustee.

Annual Independent Public Accountants’ Servicing Statement. On or before 80 days after the end March 25 of the Master Servicer's fiscal each applicable year, commencing with its 2005 fiscal yearin 2006, the Master Servicer at its expense shall cause a nationally or regionally recognized firm of independent public accountants (who may also render other services to the Master Servicer, a Seller the Depositor or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Issuer, the Indenture Trustee and the Depositor to the effect that such firm has examined certain documents and records relating to the servicing of the Mortgage Loans under this Agreement or of mortgage loans under pooling sale and servicing agreements substantially similar to this Agreement (such statement to have attached thereto a schedule setting forth the pooling sale and servicing agreements covered thereby) and that, on the basis of such examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or alternatively, if the Master Servicer has so elected, the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMCFreddie Mac, such servicing has been conducted in compliance with such pooling and servicing agreements except for such significant exceptions or errors in records that, in the opinion of setting forth such firm, ’s conclusions relating thereto in accordance with the Uniform Single Attestation Program for Mortgage Bankers applicable attestation program or the Audit Program for Mortgages serviced for FNMA and FHLMC requires it to reportaudit program. In rendering such statement, such firm may rely, as to matters relating to direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages serviced for FNMA Xxxxxx Xxx and FHLMC Freddie Mac (rendered within one year of such statement) of independent public accountants with respect to the related Subservicer. Copies of such statement shall be provided by the Indenture Trustee to any Certificateholder or Certificate Owner Securityholder upon request at the Master Servicer's ’s expense, provided that such statement is delivered by the Master Servicer to the Indenture Trustee.