Common use of Collection Practices; Escrow Deposits; Interest Rate Adjustments Clause in Contracts

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller with respect to each Note and Mortgage are in compliance in all material respects with Accepted Servicing Practices and applicable law. The Loan has been serviced by Seller and any predecessor servicer in accordance with the terms of the Note. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each escrow of funds that has been established is not prohibited by applicable law. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Loan and Seller with respect to each Note and Mortgage are in compliance the Loan have been in all material respects in compliance with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the Seller with respect to each Mortgage Note and Mortgage are in compliance have been in all material respects with Accepted Servicing Practices legal, proper, prudent and applicable lawcustomary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Seller and and, to the best of the Seller's knowledge, any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each escrow of funds that has been established is not prohibited by applicable law. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under the any Mortgage or the Noterelated Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal state and local law has been properly paid and credited.;

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the Seller with respect to each Mortgage Note and Mortgage are in compliance have been in all material respects with Accepted Servicing Practices legal, proper, prudent and applicable lawcustomary in the mortgage origination and servicing industry. The Mortgage Loan has been serviced by the Seller and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each escrow of funds that has been established is not prohibited by applicable law. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under the any Mortgage or the Noterelated Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Seller for any work on a Mortgaged Property which has not been completed. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal state and local law has been properly paid and credited.;

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are in compliance Loan have been in all material respects in compliance with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate mortgage interest rate adjustments have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrower with respect to each Note and the Mortgage are in compliance Loan have been in all material respects in compliance with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if anyPayments (other than with respect to each Mortgage Loan which is indicated by the Borrower to be a Second Lien Mortgage Loan and for which the mortgagee under the First Lien is collecting Escrow Payments (as reflected on the Mortgage Loan Data Transmission), all such payments are in the possession of, or under the control of, Seller the Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller each Servicer following the acquisition by a Trust Subsidiary of the Mortgage Loan with respect to each Note and such Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the applicable Trust Subsidiary and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments collected by each Servicer following the acquisition by a Trust Subsidiary of the Mortgage Loan have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable law. No escrow deposits or Escrow Payments or other charges or payments law and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due Seller have been capitalized under the Mortgage or the Noteand payable. All Mortgage Interest Rate adjustments made by each Servicer following the acquisition by a Trust Subsidiary of the Mortgage Loan have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the relevant Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Borrowers and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full material compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrowers have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Sellers with respect to each Note and the Mortgage are in compliance Loan have been operated in all material respects with Accepted Servicing Practices and applicable law. The Loan has been serviced by Seller and any predecessor servicer in accordance with the terms of the Noteindustry custom and practice, applicable laws and regulations and have been legally and properly operated. With respect to escrow deposits and Escrow Payments, if anyescrow payments (other than with respect to each Second Lien Mortgage and for which the mortgagee under the first lien is collecting escrow payments), all such payments are in the possession of, or under the control of, Seller one or both of the Sellers and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments escrow payments have been collected in full compliance with state and federal law. Each If an escrow of funds that has been established established, it is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments escrow payments or other charges or payments due Seller Sellers have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate mortgage interest rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal state and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and each Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the applicable Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the applicable Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrowers with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Borrowers and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrowers have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and, where required under the applicable Underwriting Guidelines, has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Loan and Seller with respect to each Note and Mortgage are in compliance the Loan have been in all material respects in compliance with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each If the related Mortgagor has not revoked its election to have the Mortgagee set aside funds for the payment of taxes and insurance with respect to such Loan, the applicable Set-Aside Amounts with respect to such Loan are funded in accordance with such Loan and the HECM Handbook. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Note. An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the applicable Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, the applicable Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due either Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each Servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the applicable Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, the applicable Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each If an escrow of funds that has been established established, it is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the applicable Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination servicing and collection practices and servicing used by each Subservicer following the acquisition by Seller of the Mortgage Loan with respect to each Note and such Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments collected by each Subservicer following the acquisition by Seller of the Mortgage Loan have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable law. No escrow deposits or Escrow Payments or other charges or payments law and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due Seller have been capitalized under the Mortgage or the Noteand payable. All Mortgage Interest Rate adjustments made by each Subservicer following the acquisition by Seller of the Mortgage Loan have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.. Annex Two - 7

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are in compliance Loan have been in all material respects in compliance with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Note. All Mortgage Interest Rate mortgage interest rate adjustments have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the related Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, either Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the related Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the relevant Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Sellers and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full material compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Sellers have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and, where required or requested, has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance with Schedule 1-8 Accepted Servicing Practices, applicable laws and regulations, and have been in all material respects with Accepted Servicing Practices legal and applicable law. The Loan has been serviced by Seller and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination servicing and collection practices and servicing used by Seller each Servicer following the acquisition by Trust Subsidiary of the Mortgage Loan with respect to each Note and such Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments collected by each Servicer following the acquisition by Trust Subsidiary of the Mortgage Loan have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable law. No escrow deposits or Escrow Payments or other charges or payments law and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due Seller have been capitalized under the Mortgage or the Noteand payable. All Mortgage Interest Rate adjustments made by each Servicer following the acquisition by Trust Subsidiary of the Mortgage Loan have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and each Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the relevant Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and (for Mortgage Loans other than Cooperative Loans) has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the relevant Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the Seller or FNMC and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal lawlaw and the provisions of the related Mortgage Note and Mortgage. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments and adjustments to the Monthly Payment, if the Mortgage Loan is an Adjustable Rate Mortgage Loan, have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid Mortgage and Mortgage Note on escrowed funds pursuant to state, federal and local law has been properly paid and credited.the related Interest

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller with respect to each Note the Eligible Loan have been in accordance with Accepted Servicing Practices, and Mortgage are have been in compliance in all material respects with Accepted Servicing Practices applicable laws and applicable law. The Loan has been serviced by Seller and any predecessor servicer in accordance with the terms of the Noteregulations. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession ofof the Seller or the Servicer (on behalf of the Additional Seller), or under the control ofas applicable, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been mademade or for which repayment is not provided for in the Mortgage. All Escrow Payments have been collected in full compliance with applicable state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for each applicable item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Seller or the Servicer (on behalf of the Additional Seller), as applicable, have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate interest rate adjustments in respect of Eligible Loans have been made in strict compliance with state and federal law and the terms of the related Mortgage and Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien mortgage loan on the related Mortgaged Property is collecting Escrow Payments) all such payments are in the possession of, or under the control of, Seller or Servicer and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and if an escrow deposit has been established, it has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrowers with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Borrowers and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrowers have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the Originator, the Servicer and the Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance with the Servicing Standards, applicable laws and regulations, and have been in all material respects with Accepted Servicing Practices legal and applicable law. The Loan has been serviced by Seller and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the First Lien is collecting Escrow Payments, if any, ) all such payments are in the possession of, or under the control of, Seller the Originator and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller to the Originator have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The To the best of the Seller's knowledge, the origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the Seller with respect to each Note and the Mortgage are Loan have been in all respects materially in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if anyescrow payments (other than with respect to each Mortgage Loan which is indicated by such Seller to be a Second Lien Mortgage Loan and for which the mortgagee under the prior mortgage lien is collecting escrow payments (as reflected on the Asset Schedule), all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments escrow payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments escrow payments or other charges or payments due the Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Note Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited. The Mortgage Loan is denominated in U.S. Dollars.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Sellers with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, Seller the Sellers and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Sellers have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each If an escrow of funds that has been established established, it is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are in compliance Loan have been in all material respects in compliance with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments (other than Second Lien Mortgage Loans for which the mortgagee under the related first lien Mortgage Loan is collecting Escrow Payments, if any), all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Note. All Mortgage Interest Rate mortgage interest rate adjustments have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full material compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if anyPayments (other than with respect to each Mortgage Loan which is indicated by the Borrower to be a Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments (as reflected on the Mortgage Loan Tape), all such payments are in the possession of, or under the control of, Seller the Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and each Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, the relevant Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and (for Mortgage Loans other than Cooperative Loans) has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the relevant Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller the Servicer, on behalf of Seller, and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each If the Mortgagor has elected to have an escrow for certain property charges, then such escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance with applicable laws and regulations and in all material respects in compliance with Accepted Servicing Practices Practices, and applicable law. The Loan has have been serviced by Seller and any predecessor servicer in accordance with the terms of the Noteall respects legal. With respect to escrow deposits and Escrow Payments, if anyPayments (other than with respect to each Mortgage Loan which is indicated by the Seller to be a Second Lien Mortgage Loan and for which the mortgagee under the First Lien is collecting Escrow Payments (as reflected on the Mortgage Loan Tape), all such payments are in the possession of, or under the control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination servicing and collection practices and servicing used by Seller each Servicer following the acquisition by Trust Subsidiary of the Mortgage Loan with respect to each Note and such Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller Trust Subsidiary and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments collected by each Servicer following the acquisition by Trust Subsidiary of the Mortgage Loan have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable law. No escrow deposits or Escrow Payments or other charges or payments law and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due Seller have been capitalized under the Mortgage or the Noteand payable. All Mortgage Interest Rate adjustments made by each Servicer following the acquisition by Trust Subsidiary of the Mortgage Loan have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the related Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, any Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the related Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller with respect Seller, and to Seller’s knowledge, the originator and each Note and servicer of the Mortgage are Loan, have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller or Servicer, and other than GNMA EBOs, there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and, other than with respect to each GNMA EBO, has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest with respect to escrow deposits required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller with respect to each Note and the Purchased Mortgage are in compliance Loan have been in all material respects with Accepted Servicing Practices and applicable law. The Loan has been serviced by Seller and any predecessor servicer in accordance with the terms of the Noteindustry custom and practice, and have been in all respects legal and proper. With respect to any escrow deposits and Escrow Payments, if anyescrow payments that have been established, all such payments are in the possession of, or under the control of, of Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments escrow payments have been collected in full compliance with state and federal law. Each If an escrow of funds that has been established established, it is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments escrow payments or other charges or payments due Seller have been capitalized under the Mortgage or the NoteMortgage Note relating to the Purchased Mortgage Loan. All Mortgage Interest Rate mortgage interest rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal state and local law has been properly paid and credited.;

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and the Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if anyPayments (other than with respect to each Mortgage Loan which is indicated by such Borrower to be a Second Lien Mortgage Loan and for which the mortgagee under the prior mortgage lien is collecting Escrow Payments (as reflected on the Mortgage Loan Schedule)), all such payments are in the possession of, or under the control of, Seller the Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller the Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The ---------------------------------------------------------------- origination and collection practices and servicing used by Seller with respect to each Note and the Purchased Mortgage are in compliance Loan have been in all material respects with Accepted Servicing Practices and applicable law. The Loan has been serviced by Seller and any predecessor servicer in accordance with the terms of the Noteindustry custom and practice, and have been in all respects legal and proper. With respect to any escrow deposits and Escrow Payments, if anyescrow payments that have been established, all such payments are in the possession of, or under the control of, of Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments escrow payments have been collected in full compliance with state and federal law. Each If an escrow of funds that has been established established, it is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments escrow payments or other charges or payments due Seller have been capitalized under the Mortgage or the NoteMortgage Note relating to the Purchased Mortgage Loan. All Mortgage Interest Rate mortgage interest rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal state and local law has been properly paid and credited.;

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller with respect to each Note the Eligible Loan have been in accordance with Accepted Servicing Practices, and Mortgage are have been in compliance in all material respects with Accepted Servicing Practices applicable laws and applicable law. The Loan has been serviced by Seller and any predecessor servicer in accordance with the terms of the Noteregulations. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession ofof the Seller or the Servicer (on behalf of the Additional Seller), or under the control ofas applicable, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been mademade or for which repayment is not provided for in the Mortgage. All Escrow Payments have been collected in full compliance with applicable state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient 42 to pay for each applicable item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Seller or the Servicer (on behalf of the Additional Seller), as applicable, have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate interest rate adjustments in respect of Eligible Loans have been made in strict compliance with state and federal law and the terms of the related Mortgage and Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are in compliance Loan have been in all material respects in compliance with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that is not prohibited Annex I-Sch.I-9 by applicable law and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not prohibited by applicable lawyet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate mortgage interest rate adjustments have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and the applicable Seller with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, (other than with respect to each Second Lien Mortgage Loan and for which the mortgagee under the first lien is collecting Escrow Payments) all such payments are in the possession of, or under the control of, the applicable Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due any Seller have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by the originator, each servicer of the Mortgage Loan and Seller with respect to each Note and the Mortgage are in compliance Loan have been in all material respects in compliance with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller have been capitalized under the Mortgage or the Note. All Mortgage Interest Rate mortgage interest rate adjustments have been made in strict compliance with state and federal law and the terms of the related Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.. Annex II

Collection Practices; Escrow Deposits; Interest Rate Adjustments. The origination and collection practices and servicing used by Seller the originator, each servicer of the Mortgage Loan and each Borrower with respect to each Note and the Mortgage are Loan have been in all respects in compliance in all material respects with Accepted Servicing Practices Practices, applicable laws and applicable law. The Loan has regulations, and have been serviced by Seller in all respects legal and any predecessor servicer in accordance with the terms of the Noteproper. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of, or under the control of, Seller each Borrower and there exist exists no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. Each An escrow of funds that has been established is not prohibited by applicable lawlaw and has been established in an amount sufficient to pay for every item that remains unpaid and has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due Seller to any Borrower have been capitalized under the Mortgage or the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. Any interest required to be paid on escrowed funds pursuant to state, federal and local law has been properly paid and credited.