Common use of et seq Clause in Contracts

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 and 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Xxx. Act Mass. Gen. Laws ch. 183C, Loan xx.xx. 31-17-1 et seq. Effective November 7June 5, 2004 2002 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable ------------------ -------------------------------------------- ------------------------- Date Anti-Predatory Lending Law ---- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx NoXxxxxxx Xxx, Xx. 284, Nev. Rev. StatCode Xxx. Home Loan xx.xx. 598D.010 Covered Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xx. 46:10B- 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Category under Applicable ------------------ -------------------------------------------- ------------------------- Date Anti-Predatory Lending Law ------------------ --------------------- ---- -------------------------- --------------------------------------------------------------------------------------------------------------------- 22 Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] SWAP CONTRACT ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [FORM OF] SWAP CONTRACT ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ____________________________, as Trustee _____________________________ _____________________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule: 1. A Principal Prepayment in full or in part was received during the related Prepayment Period;

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. ----------------------------------------------------------------------------------------------------------------------------------- Effective for loans closed on or after November 27May 24, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as 2002 ----------------------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Subsection 10 Mortgage Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Act Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Loax Effective June 5, 2002 ----------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Covered Loan Categorization -------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Xx. Xxxx Xxx. xx.xx. 0-0X-0 Xxxxxed Loan 0003) et seq. Effective October 1, 2002 - March 6, 2003 (adding open-end lines ----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of credit) ---------------------------------------------------------------------------------------------------------------------2002, N.J. Covered Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -----------------------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 --------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 2002 --------------------- ------------------------------------------------- -------------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Georgia Fair Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Covered Xxan 0000 - Mar. 6, 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et sex. Effective November 27, 2003 - July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Georgia Fair Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Home Loxx 2000 - Mar. 6, 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et sex. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. EXHIBIT O CERTIFICATE GUARANTY INSURANCE POLICY ENDORSEMENT Attached to and forming Effective July 1Date of Endorsement: part of Policy No. AB0824BE November 30, 2000; amended October 12004 issued to: Wells Fargo Bank, 2003 (adding openNatixxxx Association, as Trustee for the Holders of the Nomura Asset Acceptance Corporation, Alternative Loan Trust, Mortgage Pass-end lines Through Certificates, Series 2004-AP3, Class A-4, A-5A and Class A-6 For all purposes of credit) ---------------------------------------------------------------------------------------------------------------------this Policy, the following terms shall have the following meanings:

et seq. Effective March 22May 24, 2001 2002 -------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law -------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Consumer High Cost Home Loan Home Loans Act, S.C. Code Xxx. Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Loan Practices Lender, Broker and Servicer Act, W. Va. Act Mass. Gen. Laws chLoan Code Xxx. 183C, xx.xx. Sections 31-17-1 et seq. Effective November June 5, 2002 -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx. Covered Loan Mar. 6, 2003) Sections 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xxSections 46:10B-22 et seq. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti- ------------------ ------------------------------ ---------------- State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx. Home Loan Mar. 6, 2003) Sections 7-6A-1 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2002 - March 6, 2003 (adding open-------------------------------------------------------------------------------------------------------- EXHIBIT 1-end lines 4 STANDARD & POOR'S HOME LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of credit) ---------------------------------------------------------------------------------------------------------------------Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. §§ Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Category under Applicable Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Xxx. §§ Xxxxxxx Xxxx 0000) 7-6A-1 et seq. Effective for loans closed on or after October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Protection Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, N.M. Rev. High Cost Home Loan StatGa. Code Xxx. xx.xx. 58§§ Xxxx Xxxx 0000) 7-21A-1 6A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2002 - March 6, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------

et seq. Effective March 22May 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Xxx. §§ Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 – Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Covered Loan 2003) 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 – March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 – Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P Xxxxx'x ------------------------------- ----------------- --------------------- Class I-A-1 AAA Aaa ------------------------------- ----------------- --------------------- Class I-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class I-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-X AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-1 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------- ----------------- --------------------- Class I-B-5 A A2 ------------------------------- ----------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------- ----------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------- ----------------- --------------------- Class II-B-1 AA Aa1 ------------------------------- ----------------- --------------------- Class II-B-2 A Aa2 ------------------------------- ----------------- --------------------- Class II-B-3 BBB A1 ------------------------------- ----------------- --------------------- Class II-B-4 BBB- A3 ------------------------------- ----------------- --------------------- The Class I-XP, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Xxxxx Fargo Bank, National Association, a banking corporation, having a place of business at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of July 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the "Agreement"; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Xxxxxxx Mortgage Funding Trust 2006-AR1, Mortgage Pass-Through Certificates, Series 2006-AR1, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee's true and lawful Special Attorney-in-Fact, in the Trustee's name, place and stead and for the Trustee's benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the "Mortgage Documents"). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective March 22N-3 STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seqET SEQ. Effective November June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lexxxxx Xxx, Xx. Xxxx Xxx. Xxxered Loax 0003) ss.ss. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 46:10B-22 ET SEX. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & Poor's High Cost POOR'S HOME LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lexxxxx Xxx, Xx. Xxxx Xxx. Xxxe Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name 2000) ss.ss. 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 ET SEX. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- --------------------------------

et seq. Effective March 22May 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Xxx. §§ Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Covered Loan 2003) 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P Xxxxx’x ------------------------------- ----------------- --------------------- Class I-A-1 AAA Aaa ------------------------------- ----------------- --------------------- Class I-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class I-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-X AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-1 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa1 ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa2 ------------------------------- ----------------- --------------------- Class I-B-5 A Aa3 ------------------------------- ----------------- --------------------- Class I-B-6 A- A1 ------------------------------- ----------------- --------------------- Class I-B-7 BBB+ A3 ------------------------------- ----------------- --------------------- Class I-B-8 BBB Baa2 ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa3 ------------------------------- ----------------- --------------------- Class II-B-1 AA Aaa ------------------------------- ----------------- --------------------- Class II-B-2 A Aa3 ------------------------------- ----------------- --------------------- Class II-B-3 BBB A3 ------------------------------- ----------------- --------------------- Class II-B-4 BBB- Baa1 ------------------------------- ----------------- --------------------- The Class I-XP-1, Class I-XP-2, Class II-XP, Class R, Class R-X, Class I-B-IO, Class II-B-5 and Class II-B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Xxxxx Fargo Bank, National Association, a banking corporation, having a place of business at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of December 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement”; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Xxxxxxx Mortgage Funding Trust 2006-AR5, Mortgage Pass-Through Certificates, Series 2006-AR5, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (Mar. 7, 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. High Cost Home Loan Act of 2002, N.J. Rev. Stat. - current) xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti7-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq6A-1 ET SEQ. Effective for loans closed on or after November 27March 7, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. xx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. Stat. tit. High Risk Home Loan 815, xx.xx. 137/5 ET SEQ. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan xx.xx. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Xxx. High Loan to Value Consumer xx.xx. 16a-1-101 ET SEQ. Loan (ID. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became -------------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan (ID. ss. became effective July 1, 1999 16a-3-308a) ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan Rev. Stat. xx.xx. 58-21A-1 et seq360.100 ET SEQ. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1June 24, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, N.C. Gen. Me. Rev. Stat. tit. 9-A, High Rate High Fee Mortgage xx.xx. 248-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------101 ET SEQ.

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Act Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Xxx. 183C, xx.xx. Act Loan 31-17-1 et seqET SEQ. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly 2002 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx NoXxxxxxx Xxx, Xx. 284, Nev. Rev. StatCode Xxx. Home Covered Loan 2003) xx.xx. 598D.010 et seq7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- P-25 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ---------------------------------------------

et seq. Effectixx May 24, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective March 22July 1, 2001 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after Janxxxy 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Broker and Servicer Act, W. Va. Code Mortgage Loan Practices Act Mass. Gen. Laws chLoan Ann. 183C, xx.xx. §§ 31-17-1 et seq. Effective November June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. Georgia Fair Lending Act, Ga. Code Covered Loan 1, 2002 - Mar. 6, 2003) Ann. §§ 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. Georgia Fair Lending Act, Ga. Code Home Loan 1, 2002 - Mar. 6, 2003) Ann. §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effectxxx for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P Moody’s ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-A-1 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-A-2 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-A-3 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-X AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-A-1 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-5 A A2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-8 BBB A3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-1 AA Aa1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-2 A Aa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-3 BBB A1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-4 BBB- A3 ------------------------------- ----------------- --------------------- The Class I-XP, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Wells Fargo Bank, National Association, a banking corporation, having a place of businesx xx 9062 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no personal or other reprxxxxxxxxxx xxxxxxxx) xxxxx xxx Xxxxxxx xxx Xxrvicing Agreement, dated as of September 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement”; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Stearns Mortgage Funding Trust 2006-AR2, Mortgage Pass-Through Certificates, Series 2006-XX0, xxreby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective March 22May 24, 2001 and 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. Act Mass. Gen. Laws chLoan ss.ss. 183C, xx.xx. 31-17-1 et seq. Effective November 7June 5, 2004 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Nevada Assembly State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx NoXxx. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 Xxxxxxx Xxxn 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Q-4 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxx. xx.xx. Xxxx Xxxx 0003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 EXHIBIT S-2 EXHIBIT T [Reserved] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- General Servicing Considerations --------------------- ---------------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in 1122(d)(1)(i) accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance 1122(d)(1)(ii) with such servicing activities. --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with 1122(d)(1)(iv) the terms of the transaction agreements. --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an 1122(d)(2)(ii) obligor or to an investor are made only by --------------------- ---------------------- W-1 Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- authorized personnel. --------------------- ---------------------- Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and 1122(d)(2)(iii) approved as specified in the transaction agreements. --------------------- ---------------------- The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the 1122(d)(2)(iv) transaction agreements. --------------------- ---------------------- Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of 1122(d)(2)

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage Loan Practices Act Mass. Gen. Laws ch. 183Cof Title 14A) Effective June 5, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxxered Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxx. xx.xx. 0-0X-0 Xxxe Loan 0003) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [XXXX XX] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effective March 22Xxy 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after Januaxx 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. §§ Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 -- Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. 284, Nev. Rev. Stat. Home §§ Covered Loan xx.xx. 598D.010 et seq2003) 0-0X-0 xx xxx. Effective October 1, 2002 -- March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 -- July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 -- Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. §§ Home Loan 2003) 7-6X-0 xx xxx. Effective October 1, 2002 -- March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after Januaxx 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------------- ------------- --------------------- Offered Certificates S&P Moody's ------------------------------------- ------------- --------------------- Class I-A-1 AAA Aaa ------------------------------------- ------------- --------------------- Class I-A-2A AAA Aaa ------------------------------------- ------------- --------------------- Grantor Trust Class I-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Underlying Class I-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Class I-A-3 AAA Aaa ------------------------------------- ------------- --------------------- Class I-X AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-1 AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-2A AAA Aaa ------------------------------------- ------------- --------------------- Underlying Class II-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Grantor Trust Class II-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-3 AAA Aaa ------------------------------------- ------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------------- ------------- --------------------- Class I-B-2 AA Aa1 ------------------------------------- ------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------------- ------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------------- ------------- --------------------- Class I-B-5 A A2 ------------------------------------- ------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------------- ------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------------- ------------- --------------------- Class I-B-8 BBB A3 ------------------------------------- ------------- --------------------- Class I-B-9 BBB- Baa2 ------------------------------------- ------------- --------------------- Class II-B-1 AA Aa1 ------------------------------------- ------------- --------------------- Class II-B-2 A Aa2 ------------------------------------- ------------- --------------------- Class II-B-3 BBB A1 ------------------------------------- ------------- --------------------- Class II-B-4 BBB- A3 ------------------------------------- ------------- --------------------- The Class I-XP-1, Class I-XP-2, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Wells Fargo Bank, National Association, a banking corporation, having a place of business xx 0062 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no personal or other repxxxxxxxxxxx xxxxxxxx) xxxxx xxx Xxxxxxx xxx Xxrvicing Agreement, dated as of October 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the "Agreement"; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Stearns Mortgage Funding Trust 2006-AR3, Mortgage Pass-Through Certificates, Series 2006-AR3, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee's true and lawful Special Attorney-in-Fact, in the Trustee's name, place and stead and for the Trustee's benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the "Mortgage Documents"). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Xxxective May 24, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective March 22July 1, 2001 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or afxxx January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. §§ Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 -- Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. 284, Nev. Rev. Stat. Home §§ Covered Loan xx.xx. 598D.010 et seq2003) 0-0X-0 xx xxx. Effective October 1, 2002 -- March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 -- July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 -- Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. §§ Home Loan 2003) 0-0X-0 xx xxx. Effective October 1, 2002 -- March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or afxxx January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------------- ------------- --------------------- Offered Certificates S&P Moody's ------------------------------------- ------------- --------------------- Class I-A-1 AAA Aaa ------------------------------------- ------------- --------------------- Class I-A-2A AAA Aaa ------------------------------------- ------------- --------------------- Grantor Trust Class I-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Underlying Class I-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Class I-A-3 AAA Aaa ------------------------------------- ------------- --------------------- Class I-X AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-1 AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-2A AAA Aaa ------------------------------------- ------------- --------------------- Underlying Class II-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Grantor Trust Class II-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-3 AAA Aaa ------------------------------------- ------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------------- ------------- --------------------- Class I-B-2 AA Aa1 ------------------------------------- ------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------------- ------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------------- ------------- --------------------- Class I-B-5 A A2 ------------------------------------- ------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------------- ------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------------- ------------- --------------------- Class I-B-8 BBB A3 ------------------------------------- ------------- --------------------- Class I-B-9 BBB- Baa2 ------------------------------------- ------------- --------------------- Class II-B-1 AA Aa1 ------------------------------------- ------------- --------------------- Class II-B-2 A Aa2 ------------------------------------- ------------- --------------------- Class II-B-3 BBB A1 ------------------------------------- ------------- --------------------- Class II-B-4 BBB- A3 ------------------------------------- ------------- --------------------- The Class I-XP-1, Class I-XP-2, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Wells Fargo Bank, National Association, a banking corporation, having a place of xxxxness at 9062 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no personal or oxxxx xxxxxxxxxxxxxx xxxxxxxx) xxxxx xxx Xxxxxng and Servicing Agreement, dated as of October 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the "Agreement"; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Stearns Mortgage Funding Trust 2006-AR3, Mortgage Pass-Through Certificates, Series 2000-XX0, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee's true and lawful Special Attorney-in-Fact, in the Trustee's name, place and stead and for the Trustee's benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the "Mortgage Documents"). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. ----------------------------------------------------------------------------------------------------------------------------------- Effective for loans closed on or after November 27May 24, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as 2002 Oklahoma Consumer Credit Code (codified in various sections of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Subsection 10 Mortgage Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Act Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Xoax Effective June 5, 2002 ----------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Xx. Xxxx Xxx. xx.xx. 0-0X-0 xx Covered Xxan 0000) seq. Effective October 1, 2002 - March 6, 2003 (adding open-end lines ----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of credit) ---------------------------------------------------------------------------------------------------------------------2002, N.J. Covered Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -----------------------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 0000 ------------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective fox xoaxx xxken on or after January 1, 2004 ------------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Servicer Act, W. Mortgage Loan Practices Act Mass. Gen. Laws chVa. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Loan Effective November June 5, 2002 ------------------------------------------------------------------------------------ Standard & Poor's Covered Loan Categorization ------------------------------------------------ ------------------------------------------------------------------------------------ Category under Applicable Anti- Name of Anti-Predatory Lending Predatory Lending State/Jurisdiction Law/Effective Date Law ------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Code Covered Loax - Xxx. 0, 0000) Xxx. xx.xs. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October Octoxxx 1, 0002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 46:10B 22 et seq. Effective Novembex 00, 2003 - July 5, 2004 ---------------------------------------------------------------------------------- Standard & Poor's High Cost Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Applicable Anti- Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Predatory Lending State/Jurisdiction Law/Effective Date Predatory Law ------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 Georgia Fair Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Act, Ga. Code Home Loax - Xxx. 0, 0000) Xxx. xx.xs. 7-6A-1 et seq. Effective Octoxxx 1, 0002 - March 6, 2003 ------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Rev.Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January Jxxxxxy 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July fox xoaxx xxken on or after January 1, 2000; amended October 12004 ---------------------------------------------------------------------------------- EXHIBIT R [RESERVED] EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effective March 22for loans taken on or after January 1, 2001 2004 ------------------------------------------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws chServicer Act, W. Va. Code Xxx. 183C, xx.xx. Loan Act Loan 31-17-1 et seqET SEQ. Effective November 7June 5, 2004 2002 ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Nevada Assembly STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx NoXxxxxxx Xxx, Xx. 284, Nev. Rev. StatCode Xxx. Home Loan xx.xx. 598D.010 et seqCovered Loan 2003) 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xx. 46:10B- 46:10B-22 ET SEQ. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Q-3 Standard STANDARD & Poor's High Cost POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Home Loan Categorization ----------------------------------------------- 2003) 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name New Jersey New Jersey Home Ownership Security Act of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq2002, Home Loan N.J. Rev. Stat. xx.xx. 46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. Home Loan 58-21A-1 et seqET SEQ. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seqET SEQ. Effective July for loans taken on or after January 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------2004 --------------------------------------------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ----------------------------------------------- Public Notes ------------

et seq. Effective March 22May 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 2002 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S COVERED LOAN CATEGORIZATION ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Category under Applicable Date Anti-Predatory Lending Law ------------------ --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxx. xx.xx. Xxxxxxx Loan 2000) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- 22 State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxx. xx.xx. Xxxx Xxan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------2003

et seq. Effective March 22June 2, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch2003 --------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. 183C, Xxx. xx.xx. 1 Covered Loan 5-3.5-101 et seq. Effective November for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 2842002 --------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Act, Nev. Rev. Conn. Gen. Stat. Home Loan xx.xx. 598D.010 36a-746 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost 2001 --------------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Act of 2002Protection Act, N.J. Rev. Stat. D.C. Code xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti26-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 1151.01 et seq. Effective for loans closed on or after November 27January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection --------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, N.M. Rev. Fla. Stat. Xxx. xx.xx. 494.0078 High Cost Home Loan et seq. Effective October 2, 2002 --------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx. xx.xx. High Cost Home Loan Mar. 6, 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------- Georgia as amended Georgia Fair Lending Act, Ga. Code Xxx. xx.xx. High Cost Home Loan (Mar. 7, 2003 - current) 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 --------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan 1994, 15 U.S.C. ss. 1639, 12 C.F.R. xx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan 815, xx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) --------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan xx.xx. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Xxx. xx.xx. High Loan to Value Consumer 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; ----------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan effective April 14, 1999; Section 16a-3-308a (id. ss. 16a-3-308a) became effective July 1, 1999 --------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan Rev. Stat. xx.xx. 58-21A-1 360.100 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1June 24, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans--------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, N.C. Gen. Me. Rev. Stat. tit. 9-A, xx.xx. 24High Rate High Fee Mortgage 8-1.1E 101 et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------.

et seq. Effective March 22May 24, 2001 2002 ------------------------------------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ------------------------------------------------------------------------------------------------------------ Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chVa. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 ------------------------------------------------------------------------------------------------------------ O-4 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Effective June 5, 2002 Standard & Poor's Covered Loan Categorization --------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective November 27, 2003 - July 5, 2004 ------------------------------------------------------------------------------------------------------------ Standard & Poor's Home Loan Categorization ------------------------------------------ ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ O-5 Standard & Poor's Home Loan Categorization ------------------------------------------ ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------------------------------------ EXHIBIT P [FORM OF] SUPPLEMENTAL TRANSFER AGREEMENT THIS SUPPLEMENTAL TRANSFER AGREEMENT, dated as of ____________, 200_ (this "Supplemental Transfer Agreement"), among CWALT, INC., a Delaware corporation, as depositor (the "Depositor"), COUNTRYWIDE HOME LOANS, INC. ("CHL"), a New York corporation, as a seller (a "Seller"), PARK GRANADA LLC ("Park Granada"), a Delaware limited liability company, as a seller (a "Seller"), PARK MONACO INC. ("Park Monaco"), a Delaware limited liability corporation, as a seller (a "Seller"), PARK SIENNA LLC ("Park Sienna"), a Delaware limited liability company, as a seller (a "Seller" and together with CHL, Park Granada and Park Monaco, the "Sellers") under the Pooling and Servicing Agreement referred to below, and THE BANK OF NEW YORK, a New York banking corporation, as trustee (the "Trustee");

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage Loan Practices Act Mass. Gen. Laws ch. 183Cof Title 14A) Effective June 5, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxxxred Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxx. xx.xx. 0-0X-0 Xxxx Loan 2000) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [Reserved] EXHIBIT S-2 [Reserved] EXHIBIT T [Reserved] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, 2003 (adding openat a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------ Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------ General Servicing Considerations --------------- ---------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the 1122(d)(1)(i) transaction agreements. --------------- ---------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance 1122(d)(1)(ii) with such servicing activities. --------------- ---------------- Any requirements in the transaction agreements to maintain a back-end lines up servicer 1122(d)(1)(iii) for the mortgage loans are maintained. --------------- ---------------- A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of creditcoverage required by and otherwise in accordance with the terms of the 1122(d)(1)(iv) ---------------------------------------------------------------------------------------------------------------------transaction agreements. --------------- ---------------- Cash Collection and Administration --------------- ---------------- Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the 1122(d)(2)(i) transaction agreements. --------------- ---------------- Disbursements made via wire transfer on behalf of an obligor or to an investor are 1122(d)(2)(ii) made only by --------------- ----------------

et seq. Effective March 22May 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans xxxen on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. §§ Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. 284, Nev. Rev. Stat. Home §§ Covered Loan xx.xx. 598D.010 et seq2003) 0-0X-0 xx xeq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. §§ Home Loan 2003) 0-0X-0 xx xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans xxxen on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- -------------------- --------------------- Offered Certificates S&P Moody's ------------------------------- -------------------- --------------------- Class A-1 AAA Aaa ------------------------------- -------------------- --------------------- Class A-2 AAA Aaa ------------------------------- -------------------- --------------------- Class B-1 AA Aaa ------------------------------- -------------------- --------------------- Class B-2 A Aa3 ------------------------------- -------------------- --------------------- Class B-3 BBB A3 ------------------------------- -------------------- --------------------- Class B-4 BBB- Baa1 ------------------------------- -------------------- --------------------- The Class XP, Class R, Class R-X and Class B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Wells Fargo Bank, National Association, a banking corporation, havixx x place of business at 9062 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no pxxxxxxx xx xxxxx xxxxxxxxxxxxxx xxxxxxxx) xxxer the Pooling and Servicing Agreement, dated as of November 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the "Agreement"; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Stearns Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through Certifxxxxxx, Series 2006-AR4, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee's true and lawful Special Attorney-in-Fact, in the Trustee's name, place and stead and for the Trustee's benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the "Mortgage Documents"). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. xx.xx. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. xx.xx. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ---------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Xxx. §§ Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Covered Loan 2003) 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF OFFERED CERTIFICATES Offered Certificates S&P Xxxxx’x DBRS Class A-1 AAA Aaa AAA Class A-2 AAA Aaa AAA Class A-3 AAA Aaa AAA Class B-1 AA Aa1 AA Class B-2 A Aa3 A Class B-3 BBB A3 BBB Class X-0 XXX- Xxx0 XXX The Class B-IO, Class XP, Class R and Class R-X Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Xxxxx Fargo Bank, National Association, a banking corporation, having a place of business at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of February 1, 2007, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement”; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Xxxxxxx Mortgage Funding Trust 2007-AR2, Mortgage Pass-Through Certificates, Series 2007-AR2, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage Loan Practices Act Mass. Gen. Laws ch. 183Cof Title 14A) Effective June 5, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Covered Loan 2003) Xxx. xx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xx. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. 7-6A-1 Home Loan 2003) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Rev.Stat. xx.xx. Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [RESERVED] EXHIBIT S-1 [RESERVED] XXXXXXX X-0 [RESERVED] EXHIBIT T [RESERVED]

et seq. Effective March 22May 24, 2001 2002 -------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Consumer High Cost Home Loan Home Loans Act, S.C. Code -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law -------------------------------------------------------------------------------------------------------- Ann. Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and Servicer Act, W. Va. Mortgage Loan Practices Act Mass. Gen. Laws chCode Ann. 183C, xx.xx. Sections 31-17-1 et seq. Loan Effective November June 5, 2002 -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxx. Xxxxxxx Xxxx 0000) Sections 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act Covered Home Loan of 2002, N.J. Rev. Stat. Sections 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxx. Xxxx Xxxx 0000) Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law -------------------------------------------------------------------------------------------------------- Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. Sections 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. Sections 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------2004 -------------------------------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF NOTES Public Notes

et seq. Effective March 22for loans taken on or after January 1, 2001 2004 -------------------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chAct, W. Va. Code Xxx. 183C, xx.xx. 31-17-1 et seqET SEQ. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No2002 -------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- -------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia Georgia Fair Lending Act, Ga. Code Covered Loan (Oct. 1, 2002 - Xxx. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq7-6A-1 ET SEQ. Mar. 6, 2003) Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 46:10B-22 ET SEQ. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------- STANDARD & Poor's High Cost POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ E-7-4 Effective for loans originated on or after January 1, 2005. -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name Act of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq2002, N.J. Rev. Stat. xx.xx. 46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seqET SEQ. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------ET SEQ.

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 for loans closed on or after ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- Applicable State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date ------------------------- ------------------ ------------------------------------------------- Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 -------------------------- ---------------------------------------------------------------------------------------------------------------------- January 28, 2003 ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cxxx Hxxx Xoan 494.0078 et seq. Effective October 2, 2002 ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxxx Cost Home Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, Gx. Xxxx Xxxx Cost Home Loan - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after November 27March 7, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan xx Value Consumer ss.ss. 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; -------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. effective April 14, 1999; Section 16a-3-308a ss. 16a-3-308a) became effective July 1, 1999 ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Xxxx Xxxx Xxxx Xxxx Rev. Stat. xx.xxss.ss. 58-21A-1 360.100 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 2002 -------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chVa. Code Ann.ss.ss. 183C, xx.xx. 1 et seq31-17-0 XX XXX. Effective November June 5, 2002 -------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann.ss.ss. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq-6A-1 XX XXX. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. StatStat.ss.ss. xx.xx46:10B-22 ET SEQ. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------- STANDARD & Poor's High Cost POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- StateMar. 6, 2003) Ann.ss.ss. 7-6A-1 XX XXX. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/Jurisdiction Name JURISDICTION NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq2002, N.J. Rev. Stat.ss.ss. 46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xxStat.ss.ss. 58-21A-1 et seq21X-0 XX XXX. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. xx.xx. 24Stat.ss.ss.24-1.1E et seqET SEQ. Effective July for loans taken on or after January 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------2004 -------------------------------------------------------------------------------------------- SCHEDULE A ---------- REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates ------------------- Class S&P Moody's ----------------------- --------------------------- ---------------------

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1for loans closed on or after January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 ------------------------------------------------------------------------------------------------------------ O-1 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Homx Xoax 494.0078 et seq. Effective October 2, 2002 ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------------------------------------ Georgia as amended Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effective for loans closed on or after November 27March 7, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico ------------------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan StatCode Ann. xx.xxss.ss. 5824-21A-1 9-1-1 et seq. Effective as of for loans originated on or after January 1, 20042005. ------------------------------------------------------------------------------------------------------------ Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Revised as of February 26Sections 16a-1-301 and 16a-3-207 became effective April 14, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 61999; Section 16a-3-l 308a became effective July 1, 1999 ------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ------------------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home High Cost Home Loan Effective for applications made on or after April 1Loan Act, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Ky. Rev. Stat. xx.xxss.ss. 24-1.1E 360.100 et seq. Effective July 1, 2000; amended October 1June 24, 2003 (adding open------------------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee A, ss.ss. 8-end lines of credit) ---------------------------------------------------------------------------------------------------------------------101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 2002 --------------------------------------- ---------------------------------------------------------- --------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------- ---------------------------------------------------------- --------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 --------------------------------------- ---------------------------------------------------------- --------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Practices Act Mass. Gen. Laws chL Servicer Act, W. Va. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 2002 STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S COVERED LOAN CATEGORIZATION --------------------------------------- ---------------------------------------------------------- --------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 --------------------------------------- ---------------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et seq. Coverex Xoax Effective October 1, 2002 - March 6, 2003 --------------------------------------- ---------------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Covered Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------- ---------------------------------------------------------- --------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law --------------------------------------- ---------------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 et seq. Home Lxxx Effective October 1, 2002 - March 6, 2003 --------------------------------------- ---------------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------.

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xxss.ss. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx Bill No. 284, Nev. Rev. Stat. ss.xx. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ Category under ------------------------------ ---------------- -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Practices Act Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Home Loan Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------

et seq. Exh 2-4 Effective March 22May 24, 2001 2002 -------------------------------------------------- ------------------------------------- ---------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------- ------------------------------------- ---------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws chConsumer Home Loans Act, S.C. Code Xxx. 183C, xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------- ------------------------------------- ---------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Xxx. xx.xx. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No2002 -------------------------------------------------- ------------------------------------- ---------------------------- STANDARD & POOR'S ----------------- COVERED LOAN CATEGORIZATION --------------------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti-Predatory Lending Law -------------------------------------------------- ------------------------------------- ---------------------------- Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code Covered Loan Xxx. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------- ------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------- ------------------------------------- ---------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S ----------------- HOME LOAN CATEGORIZATION ------------------------ Exh 2-5 State/Jurisdiction Name of Anti-Predatory Category under Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Applicable Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 -------------------------------------------------- ------------------------------------- ---------------------------- Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code Home Loan Xxx. xx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- Indiana Indiana Home Loan Practices Act, Home Loan Ind. Code Xxx. xx.xx. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. -------------------------------------------------- ------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------- ------------------------------------- ---------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------- ------------------------------------- ---------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------- ---------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code Xxx. xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------- ------------------------------------- ---------------------------- Exh 2-6 EXHIBIT Q CERTIFICATE GUARANTY INSURANCE POLICY Ambac Ambac Assurance Corporation Xxx Xxxxx Xxxxxx Xxxxx, 00xx Xxxxx Xxx Xxxx, Xxx Xxxx 00000 Telephone: (000) 000 0000 CERTIFICATE GUARANTY INSURANCE POLICY Insured Obligations: Policy Number: Homestar Mortgage Acceptance Corp. AB0826BE Asset-Backed Pass-Through Certificates, Series 2004-6, Class A-3B Premium: As specified in the endorsement attached hereto. AMBAC ASSURANCE CORPORATION (AMBAC), a Wisconsin stock insurance corporation, in consideration of the payment of the premium and subject to the terms of this Policy, hereby agrees unconditionally and irrevocably to pay to the Trustee for the benefit of the Holders of the Insured Obligations, that portion of the Insured Amounts which shall become Due for Payment but shall be unpaid by reason of Nonpayment. Ambac will make such payments to the Trustee from its own funds on the later of (a) one (1) Business Day following notification to Ambac of Nonpayment or (b) the Business Day on which the Insured Amounts are Due for Payment. Such payments of principal or interest shall be made only upon presentation of an instrument of assignment in form and substance satisfactory to Ambac, transferring to Ambac all rights under such insured Obligations to receive the principal of and Interest on the Insured Obligation. Ambac shall be subrogated to all the Holders' rights to payment on the Insured Obligations to the extent of the insurance disbursements so made. Once payments of the Insured Amounts have been made to the Trustee, Ambac shall have no further obligation hereunder in respect of such Insured Amounts. In the event the Trustee for the Insured Obligations has notice that any payment of principal or interest on an Insured Obligation which has become Due for Payment and which is made to a Holder by or on behalf of the Trustee has been deemed a preferential transfer and theretofore recovered from its Holder pursuant to the United States Bankruptcy Code in accordance with a final, nonappealable order of a court of competent jurisdiction, such Holder will be entitled to payment from Ambac to the extent of such recovery if sufficient funds are not otherwise available. This Policy is noncancelable by Ambac for any reason, including failure to receive payment of any premium due hereunder. The premium on this Policy is not refundable for any reason. This Policy does not insure against loss of any prepayment or other acceleration payment which at any time may become due in respect of any Insured Obligation, other than at the sole option of Ambac, nor against any risk other than Nonpayment, including failure of the Trustee to make any payment due Holders of Insured Amounts. To the fullest extent permitted by applicable law, Ambac hereby waives and agrees not to assert any and all rights and defenses, to the extent such rights and defenses may be available to Ambac, to avoid payment of its obligations under this Policy in accordance with the express provisions hereof. Any capitalized terms not defined herein shall have the meaning given such terms in the endorsement attached hereto or in the Agreement. In witness whereof, Ambac has caused this Policy to be affixed with its corporate seal and to be signed by its duly authorized officers in facsimile to become effective as their original signatures and binding upon Ambac by virtue of the countersignature of its duly authorized representative. President Secretary [Seal] Effective Date: November 19, 2004 Authorized Representative CERTIFICATE GUARANTY INSURANCE POLICY ENDORSEMENT Attached to and forming Effective Date of Endorsement: part of Policy No. AB0826BE November 19, 2004 issued to: HSBC Bank USA, National Association, as Trustee for the Holders of the Homestar Mortgage Acceptance Corp. Asset-Backed Pass-Through Certificates, Series2004-6, Class A-3B For all purposes of this Policy, the following terms shall have the following meanings:

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effectixx fox xxxns taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Loan 31-17-1 et sxx. Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Covered Loan Mar. 6, 2003) ss.ss. 0-6A-1 et seq. Effective Octoxxx 0, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10I-B-22 et seq. Effective Xxxxmber 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 Home Loan Mar. 6, 2003) et xxq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. Home Loan ss.ss. 24-0-0-1 et seq. Effective for loans xxxxs originated on or after January 1, 2005. ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10I-B-22 et seq. Effective xxx xoans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seqxx xxq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July Effectivx xor xxxxs taken on or after January 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------2004 ---------------------------------------------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Fitch S&P ------------------------------- ------------- ----------------

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Loan Mass. Gen. Laws ch. 183C, xx.xxss.ss. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Xxxx Bill No. 284, Nev. Rev. Stat. Home Hxxx Loan xx.xxss.ss. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 2400-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------

et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chVa. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 O-4 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Effective June 5, 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts 2002 Q-3 ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Home Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxxxxxx Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch2003) Ann. 183C, xx.xxss.ss. 1 7-6A-1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. -- --- Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, -- --- 2004 ---------------------------------- ----------------------------------------------------- ------------------------------ Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxx. xx.xx. 0-0X-0 Xxxx Xxan 2003) et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 46:10B 22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. -- --- Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------------- ----------------------------------------------------- ------------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. [RESERVED] [RESERVED] EXHIBIT T [RESERVED] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, 2003 (adding openat a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- General Servicing Considerations --------------------- ---------------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in 1122(d)(1)(i) accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. 1122(d)(1)(ii) --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-end lines up servicer for the mortgage loans are maintained. --------------------- ---------------------- A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of creditcoverage required by and otherwise in accordance with the terms of the transaction agreements. 1122(d)(1)(iv) ------------------------------------------------------------------------------------------------------------------------------------------ ---------------------- Cash Collection and Administration --------------------- ---------------------- Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an obligor or to 1122(d)(2)(ii) an investor are made only by authorized personnel. W-2

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage Loan Practices Act Mass. Gen. Laws ch. 183Cof Title 14A) Effective June 5, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxxered Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxx. xx.xx. 0-0X-0 Xxxe Loan 0003) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effective March 22May 24, 2001 2002 ------------------------------------------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified Subsection 10 Mortgage in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ------------------------------------------------------------------------------------------------------------------ South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws chConsumer Home Loans Act, S.C. Code Xxx. 183C, xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------------------------------------------ West Virginia West Virginia Residential West Virginia Mortgage Mortgage Lender, Broker and Loan Act Loan Servicer Act, W. Va. Code Xxx. xx.xx. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No2002 ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti- Predatory Lending Law ------------------------------------------------------------------------------------------------------------------ Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Covered Loan Code Xxx. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Security Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ------------------------------------------------------------------------------------------------------------------ STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Category under Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Applicable Anti- Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ------------------------------------------------------------------------------------------------------------------ Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Home Loan Code Xxx. xx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Home Loan Ind. Code Xxx. xx.xx. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Home Loan Security Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Rev. Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code Xxx. xx.xx. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------------------------------------------ SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ----------------------------------------------- Public Certificates -------------------

et seq. Effective March 22June 2, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Colorado Consumer Equity Protection, Colo. Stat. 183C, xx.xxAnn. 1 ss.ss. Covered Loxx 5-3.5-101 et seq. Effective November for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 2842002 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Act, Nev. Rev. Conn. Gen. Stat. Home Loan xx.xxss.ss. 598D.010 36a-746 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost 2001 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- District of Columbia Home Loan Act of 2002Protection Act, N.J. Rev. StatD.C. Code ss.ss. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti26-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 1151.01 et seq. Effective for loans closed on or after November 27January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Florida Fair Lending Act, N.M. Rev. High Cost Home Loan Fla. Stat. xx.xxAnn. 58-21A-1 ss.ss. 494.0078 Hxxx Cxxx Xome Loan et seq. Effective as of January October 2, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2004; Revised as of February 262002 - Mar. 6, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1Georgia Fair Lexxxxx Xxx, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. StatXx. Xxxx Xxx. xx.xx. 24Xigh Cost Xxme Xxxx 2003) 7-1.1E 6A-1 et seq. Effective July 1, 2000; amended October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia as amended (adding openMar. 7, 2003 Georgia Fair Lxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Xigh Cost Xxme Xxxx - current) 7-end lines 6A-1 et seq. Effective for loans closed on or after March 7, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of creditHigh Cost Loan 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loax to Xxxxe Consumer 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective August 1, 1999 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loxx Xxx, Xx. Xxxx Xxxx Xxxx Xxxx Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, ss.ss. High Rate High Xxx Xortgage 8-101 et seq. Effective September 29, 1995 and as amended from time to time ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------

et seq. Effective March 22Effectxxx Xune 2, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan Stat. Ann. ss.ss. 5-3.5-101 et seq. Xffxxxxxe for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Mortgage Loan Practices Act Mass. Act, Conn. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xxss.ss. 598D.010 36a-746 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Act of 2002Protection Act, N.J. Rev. StatD.C. Code ss.ss. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti26-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et 1151.00 xt seq. Effective for loans closed on or after November 27January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, N.M. Rev. Fla. Stat. Ann. ss.ss. High Cost Home Loan Stat. xx.xx. 58-21A-1 000.0078 et seq. Effective as of January October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2004; Revised 2002 - Georgia Fair Lending Act, Ga. Code High Xxxx Xxxx Xxxx Xxx. 0, 0000) Ann. ss.ss. 7-6A-1 et seq. Exxxctxxx Xctober 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as of February 26amended (Mar. Georgia Fair Lending Act, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l Ga. Code High Cost Home Loan Effective for applications made 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Exxxctxxx xor loans closed on or after April March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effxxxxxe October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effectixx Xanuary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Indiana Home Loan Practices Act, Ind. Indiana Code Ann. ss.ss. 24-9-1-1 et seq. High Cost Home Loaxx Effective January 1, 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.xx. 16a-1-101 et seq. Consumer Loan (id. xx. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High KY H.B. 287 - High Cost Home Loan High Cost Home LoansLoan Act, N.C. Gen. Ky. Rev. Stat. xx.xxss.ss. 24-1.1E 360.100 et seq. Effective July 1, 2000; amended October 1June 24, 2003 (adding open---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-end lines of credit) ---------------------------------------------------------------------------------------------------------------------A, ss.ss. 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Category under Applicable Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. xx.xx. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Xxx. xx.xx. Act Loan 31-17-1 et seq. -- --- Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Covered Loan 2003) 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. -- --- Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- O-4 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Home Loan 2003) 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. Home Loan 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. -- --- Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Xxx. xx.xx. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- O-5 EXHIBIT P [Reserved] EXHIBIT Q MONTHLY REPORT [On file with Trustee] EXHIBIT R-1 FORM OF PERFORMANCE CERTIFICATION (Subservicer) Re: The Pooling and Servicing Agreement dated as of [________] (the "Pooling and Servicing Agreement") among CWALT, Inc., as Depositor, Countrywide Home Loans, Inc., as a Seller, Park Monaco Inc., as a Seller, Park Sienna LLC, as a Seller, Countrywide Home Loans Servicing LP, as Master Servicer, the undersigned, as Trustee and [Subservicing Agreement] dated as of [ ] (the "Agreement") I, ________________________________, the _______________________ of [NAME OF COMPANY] (the "Company"), certify to the Depositor and the Master Servicer, and their officers, with the knowledge and intent that they will rely upon this certification, that: (1) I have reviewed the servicer compliance statement of the Company provided in accordance with Item 1123 of Regulation AB (the "Compliance Statement"), the report on assessment of the Company's compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB (the "Servicing Criteria"), provided in accordance with Rules 13a-18 and 15d-18 under Securities Exchange Act of 1934, as amended (the "Exchange Act") and Item 1122 of Regulation AB (the "Servicing Assessment"), the registered public accounting firm's attestation report provided in accordance with Rules 13a-18 and 15d-18 under the Exchange Act and Section 1122(b) of Regulation AB (the "Attestation Report"), all servicing reports, officer's certificates and other information relating to the servicing of the Mortgage Loans by the Company during 200[ ] that were delivered by the Company to the Depositor, the Master Servicer or the Trustee pursuant to the Agreement (collectively, the "Company Servicing Information"); (2) Based on my knowledge, the Company Servicing Information, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in the light of the circumstances under which such statements were made, not misleading with respect to the period of time covered by the Company Servicing Information; (3) Based on my knowledge, all of the Company Servicing Information required to be provided by the Company under the Agreement has been provided to the Depositor, the Master Servicer or the Trustee, as applicable; (4) I am responsible for reviewing the activities performed by the Company as a servicer under the Agreement, and based on my knowledge and the compliance review conducted in preparing the Compliance Statement and except as disclosed in the Compliance Statement, the Servicing Assessment or the Attestation Report, the Company has fulfilled its obligations under the Agreement in all material respects; and (5) The Compliance Statement required to be delivered by the Company pursuant to the Agreement, and the Servicing Assessment and Attestation Report required to be provided by the Company and by any Subservicer or Subcontractor pursuant to the Agreement, have been provided to the Master Servicer. Any material instances of noncompliance described in such reports have been disclosed to the Master Servicer. Any material instance of noncompliance with the Servicing Criteria has been disclosed in such reports. Date: _________________________ By: ________________________________ Name: Title: XXXXXXX X-0 FORM OF PERFORMANCE CERTIFICATION (Trustee) Re: The Pooling and Servicing Agreement dated as of [________], (the "Pooling and Servicing Agreement") among CWALT, Inc., as Depositor, Countrywide Home Loans, Inc., as a Seller, Park Monaco Inc., as a Seller, Park Sienna LLC, as a Seller, Countrywide Home Loans Servicing LP, as Master Servicer, the undersigned, as Trustee I, ________________________________, the _______________________ of [NAME OF COMPANY] (the "Company"), certify to the Depositor and the Master Servicer, and their officers, with the knowledge and intent that they will rely upon this certification, that: (1) I have reviewed the report on assessment of the Company's compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB (the "Servicing Criteria"), provided in accordance with Rules 13a-18 and 15d-18 under Securities Exchange Act of 1934, as amended (the "Exchange Act") and Item 1122 of Regulation AB (the "Servicing Assessment"), the registered public accounting firm's attestation report provided in accordance with Rules 13a-18 and 15d-18 under the Exchange Act and Section 1122(b) of Regulation AB (the "Attestation Report"), [all reports on Form 10-D containing statements to certificateholders filed in respect of the period included in the year covered by the annual report of the Trust Fund] (collectively, the "Distribution Date Statements"); (2) Assuming the accuracy and completeness of the information delivered to the Company by the Master Servicer as provided in the Pooling and Servicing Agreement and subject to paragraph (4) below, the distribution information determined by the Company and set forth in the Distribution Date Statements contained in all Form 10-D's included in the year covered by the annual report of such Trust on Form 10-K for the calendar year 200[ ], is complete and does not contain any material misstatement of fact as of the last day of the period covered by such annual report; (3) Based solely on the information delivered to the Company by the Master Servicer as provided in the Pooling and Servicing Agreement, (i) the distribution information required under the Pooling and Servicing Agreement to be contained in the Trust Fund's Distribution Date Statements and (ii) the servicing information required to be provided by the Master Servicer to the trustee for inclusion in the Trust Fund's Distribution Date Statements, to the extent received by the Trustee from the Master Servicer in accordance with the Pooling and Servicing Agreement, is included in such Distribution Date Statements; (4) The Company is not certifying as to the accuracy, completeness or correctness of the information which it received from the Master Servicer and did not independently verify or confirm the accuracy, completeness or correctness of the information provided by the Master Servicer; (5) I am responsible for reviewing the activities performed by the Company as a person "performing a servicing function" under the Pooling and Servicing Agreement, and based on my knowledge and the compliance review conducted in preparing the Servicing Assessment and except as disclosed in the Servicing Assessment or the Attestation Report, the Company has fulfilled its obligations under the Pooling and Servicing Agreement; and (6) The Servicing Assessment and Attestation Report required to be provided by the Company and by Subcontractor pursuant to the Pooling and Servicing Agreement, have been provided to the Master Servicer and the Depositor. Any material instances of noncompliance described in such reports have been disclosed to the Master Servicer and the Depositor. Any material instance of noncompliance with the Servicing Criteria has been disclosed in such reports. Date: _________________________ By: ________________________________ Name: Title: EXHIBIT S [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": (i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance 1122(d)(1)(ii) with such servicing activities. --------------------- ---------------------- Any requirements in the transaction agreements to maintain 1122(d)(1)(iii) a back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with 1122(d)(1)(iv) the terms of the transaction agreements. --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an 1122(d)(2)(ii) obligor or to an investor are made only by authorized personnel. --------------------- ---------------------- Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and 1122(d)(2)(iii) approved as specified in the transaction agreements. --------------------- ---------------------- The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the 1122(d)(2)(iv) transaction agreements. --------------------- ---------------------- Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of 1122(d)(2)

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 O-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction ---------------------- -------------------------------------------------------------- ------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti- ------------------ ------------------------------ ---------------- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------- -------------------------------------------------------------- ------------------------------- ss.ss. 1349.25 et seq. -- --- Effective for loans closed on or after November 27May 24, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as 2002 ----------------------- ----------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Title Subsection 10 Mortgage 14A) Effective July 1, 2000; amended October effective January 1, 2004 ---------------------- -------------------------------------------------------------- ------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. High Cost Home Loan Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ----------------------- ----------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Act Loan -- --- Effective June 5, 2002 ---------------------- -------------------------------------------------------------- ------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------- -------------------------------------------------------------- ------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------- -------------------------------------------------------------- ------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Code Xxxxxxx Xxxx - Xxx. 0, 0000) Ann. ss.ss. 7-6A-1 et seq. Effective Octobxx 1, 0000 - March 6, 2003 (adding open-end lines ---------------------- -------------------------------------------------------------- ------------------------------- New Jersey New Jersey Home Ownership Security Act of credit) ---------------------------------------------------------------------------------------------------------------------2002, N.J. Rev. Covered Home Loan Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------- -------------------------------------------------------------- -------------------------------

et seq. Effective March 22May 24, 2001 2002 ------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Servicer Act, Mortgage Loan Practices Act Mass. Gen. Laws chW. Va. Code Ann. 183C, xx.xxss.ss. 31-17-1 Loan et seq. Effective November June 5, 2002 ------------------------------------------------------------------------------ Standard & Poor's Covered Loan Categorization ------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti- Predatory Lending Law ------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Xxxx Xxxxxxx Xxxx - Xxx. 0, 0003) Ann. ss.ss. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 46:10X 00 et seq. Effective November 27, 2003 - July 5, 2004 ------------------------------------------------------------------------------ Standard & Poor's High Cost Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- ------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Category under Law/Effective Date Applicable Anti- Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Xxxx Xxxx Xxxx - Xxx. 0, 0000) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10X 00 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Rev.Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ------------------------------------------------------------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [XXXX XX] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile ________________________, as Trustee _______________ _________________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effective March 22May 24, 2001 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chVa. Code Xxx. 183C, xx.xx. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Xxx. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Applicable Anti- ------------------ Category under ------------------------------ ---------------- -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Xxx. xx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] SWAP CONTRACT ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [FORM OF] SWAP CONTRACT ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile __________________, as Trustee _______________ _______________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule: 1. A Principal Prepayment in full or in part was received during the related Prepayment Period;

et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws chLoan Servicer Act, W. Va. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 --------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- ---------- Law/Effective Date Anti-Predatory ------------------ -------------- Lending Law ----------- --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable ------------------ ------------------------------ ---------- Law/Effective Date Anti-Predatory ------------------ -------------- Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ----------- --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Home Loan - Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Rev. Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [RESERVED] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee]

et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chVa. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 2002 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- O-4 --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 --------------------------------------------------------------------------------------------------------------------- EXHIBIT P [FORM OF] SUPPLEMENTAL TRANSFER AGREEMENT THIS SUPPLEMENTAL TRANSFER AGREEMENT, 2003 dated as of ____________, 200_ (adding open-end lines of creditthis "Supplemental Transfer Agreement"), among CWALT, INC., a Delaware corporation, as depositor (the "Depositor"), COUNTRYWIDE HOME LOANS, INC. ("CHL"), a New York corporation, as a seller (a "Seller"), PARK GRANADA LLC ("Park Granada"), a Delaware limited liability company, as a seller (a "Seller"), PARK MONACO INC. ("Park Monaco"), a Delaware limited liability corporation, as a seller (a "Seller"), PARK SIENNA LLC ("Park Sienna"), a Delaware limited liability company, as a seller (a "Seller" and together with CHL, Park Granada and Park Monaco, the "Sellers") ---------------------------------------------------------------------------------------------------------------------under the Pooling and Servicing Agreement referred to below, and THE BANK OF NEW YORK, a New York banking corporation, as trustee (the "Trustee");

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effectivx xor xxxxs taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Loan 31-17-1 et sex. Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Covered Loan Mar. 6, 2003) ss.ss. 0-0A-1 et seq. Effective Octobxx 0, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10I-B-22 et seq. Effective Xxxxxber 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 Home Loan Mar. 6, 2003) et xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. Home Loan ss.ss. 24-9-0-1 et seq. Effective for loans xxxxx originated on or after January 1, 2005. ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10I-B-22 et seq. Effective fxx xxans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seqex xxx. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July xxr xxxxx taken on or after January 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------2004 ---------------------------------------------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Fitch S&P ------------------------------- ------------- ----------------

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts 2002 Q-3 ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Home Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxxxxxx Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch2003) Ann. 183C, xx.xxss.ss. 1 7-6A-1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. -- --- Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, -- --- 2004 ---------------------------------- ----------------------------------------------------- ------------------------------ Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxx. xx.xx. 0-0X-0 Xxxx Xxxn 2003) et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 46:10B 22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. -- --- Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------------- ----------------------------------------------------- ------------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. [RESERVED] [RESERVED] EXHIBIT T [RESERVED] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, 2003 (adding openat a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- General Servicing Considerations --------------------- ---------------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in 1122(d)(1)(i) accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. 1122(d)(1)(ii) --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-end lines up servicer for the mortgage loans are maintained. --------------------- ---------------------- A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of creditcoverage required by and otherwise in accordance with the terms of the transaction agreements. 1122(d)(1)(iv) ------------------------------------------------------------------------------------------------------------------------------------------ ---------------------- Cash Collection and Administration --------------------- ---------------------- Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an obligor or to 1122(d)(2)(ii) an investor are made only by authorized personnel. W-2

et seq. Effective March 22Effectxxx May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act sections of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Title 14A) Effective July 1, 2000; amended October effective January 1, 2003 (adding open2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Rhode Island Rhode Island Home Loan Protection Act, R.I. High Cost Home Loan Gen. Lawsss.ss.34-end lines of credit) ---------------------------------------------------------------------------------------------------------------------25.2-1 et seq. Effective December 31, 2006. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective for loans taken on or after Jaxxxry 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Tennessee Tennessee Home Loan Protection Act, Tenn. Code High Cost Home Loan Ann.ss.ss.45-20-101 et seq. Effective January 1, 2007. ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Ann.ss.ss. Act Loan 31-17-1 et seq. Xxfective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION

et seq. Effective March 22June 2, 2001 and amended from time to time 2003 --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws chColorado Consumer Equity Protection, Colo. Stat. 183C, Xxx. xx.xx. 1 Covered Loan 5-3.5-101 et seq. Effective November for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2004 2002 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Act, Nev. Rev. Conn. Gen. Stat. Home Loan xx.xx. 598D.010 36a-746 et seq. Effective October 1, 2003 2001 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost District of Columbia Home Loan Act of 2002Protection Act, N.J. Rev. Stat. D.C. Code xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti26-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 1151.01 et seq. Effective for loans closed on or after November 27January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Florida Fair Lending Act, N.M. Rev. Fla. Stat. Xxx. xx.xx. 494.0078 High Cost Home Loan et seq. Effective October 2, 2002 --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Home Loan - current) 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan 1994, 15 U.S.C. ss. 1639, 12 C.F.R. xx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan 815, xx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Xxx. xx.xx. High Loan to Value Consumer 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 --------------------------------------------------------------------------------------------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan Rev. Stat. xx.xx. 58-21A-1 360.100 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1June 24, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home LoansMaine Truth in Lending, N.C. Gen. Me. Rev. Stat. tit. 9-A, xx.xx. 24High Rate High Fee Mortgage 8-1.1E 101 et seq. Effective July 1September 29, 2000; 1995 and as amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------from time to time --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage Loan Practices Act Mass. Gen. Laws ch. 183Cof Title 14A) Effective June 5, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxxxred Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxx. xx.xx. 0-0X-0 Xxxx Loan 2000) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [RESERVED] EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWMBS, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effectixx Xxy 24, 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective March 22June 5, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Cxxxxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Efxxxtixx Xxtober 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effecxxxx November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 Hxxx Xxxx 0000) et xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effexxxxx for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 00X-0 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July Xxxecxxxx for loans taken on or after January 1, 2000; amended October 12004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-2 [Reserved] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1Effecxxxx for loans closed on or after January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Hixx Xxxx Xxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effexxxve Xxxxber 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code Xxxx Xxxx Xxxx Xxxx 0000 - xxxxxxx) Ann. ss.ss. 7-6A-1 et seq. Effexxxve xxx loans closed on or after March 7, 2003 ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effectxxx Xctober 1, 1995, amendments October 1, 2002 ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective Xxxxxry 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumex Xxxn (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 (id. ss. 16a-3-308a) ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Hoxx Xxxx Xxx, Xx. Xxx. Xxxx Xxxx Xxxx Loan Stat. ss.ss. 360.100 et seq. Effectivx Xxxe 24, 2003 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9 High Rate High Fee Mortgage A, ss.ss. 8-101 et seq. Effective Xxxxxmber 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effectixx Xxtober 1, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey Rev. Stat. ss.ss. 46:10B 22 et seq. High Cost Home Loax Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------.

et seq. Effective March 22Effectivx Xxx 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Efxxxtixx xxr loans taken on or after January 1, 2004 ---------------------------------- ----------------------------------------------------- ----------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. Act Mass. Gen. Laws chLoan ss.sx. 183C, xx.xx. 31-17-1 et seq. Effectivx Xxxe 5, 2002 ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- Category under Applicable Anti- Name of Anti-Predatory Lending Predatory Lending State/Jurisdiction Law/Effective November Date Law ---------------------------------- ----------------------------------------------------- ----------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered Xxxx 0000) Ann. ss.ss. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October Effexxxve Xxxxber 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security High Cost Act of Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 46:10B 22 et seq. Effectixx Xxvember 27, 2003 - July 5, 2004 ---------------------------------- ----------------------------------------------------- ------------------------------ Standard & Poor's High Cost Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------------------------------------------------------- ---------------------------------- ----------------------------------------------------- -----------------------------

et seq. Effective March 22May 00, 2001 0002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chVa. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Effective November 7Xxne 0, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 0002 ---------------------------- ---------------------------------------- -------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- Category under ------------------ ------------------------------ ---------------- -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective Xxxobxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective Xxxobxx 0, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------- --------------------------

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 --------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Act Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Xxx. 183C, xx.xx. Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 2002 --------------------- ------------------------------------------------- -------------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ------------------------------------------------- -------------------------------- Georgia (Oct. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Covered Loan 2002 - Mar. 6, 2003) 7-6A-1 et seq. --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------- --------------------------------

et seq. Effective March 22May 24, 2001 and 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Xxx. Act Mass. Gen. Laws ch. 183C, Loan xx.xx. 31-17-1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction ---------------------------------- ------------------------------------------------- -------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti- ------------------ ------------------------------ ---------------- State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Covered Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- 22 Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- EXHIBIT R-1 [FORM OF] CLASS A-1 AND A-5 CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT R-2 [FORM OF] CLASS A-4 CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT R-3 [FORM OF] CLASS A-9 CORRIDOR CONTRACT DATE:

et seq. Effective March 22May 24, 2001 and 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time effective January 1, 2004 STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Mass. Gen. Laws ch. 183C, xx.xx. Loxx 31-17-1 et seq. Effective November 7June 5, 2004 2002 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Xxxxxxx Xxx, Xx. Xxxx NoXxx. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 Coverxx Loax 0003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xxss.ss. 46:10B- 46:10B-22 et xxx. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Q-3 Standard STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Category under Applicable Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Xxxxxxx Xxx, Xx. Xxxx Xxx. xx.xx. Home Xxxn 2000) 7-6A-1 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2002 - March 6, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chVa. Code Xxx. 183C, xx.xx. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Xxx. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security High Cost Act Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti- ------------------ ------------------------------ ---------------- Anti-Predatory Lending Law/Effective Date Predatory Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 Act, Ga. Code Home Loan Mar. 6, 2003) Xxx. xx.xx. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. xx.xx. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------- ---------------------------------------- -------------------------- EXHIBIT A REVISED July 11, 2003 0000 XXXXXXXX X - STANDARD & POOR'S PREDATORY LENDING CATEGORIES Standard & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (adding opena) the risk exposure associated with the assignee liability and (b) the tests and thresholds set forth in those laws. Note that certain loans classified by the relevant statute as Covered are included in Standard & Poor's High Cost Loan Category because they included thresholds and tests that are typical of what is generally considered High Cost by the industry. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-end lines of credit) ---------------------------------------------------------------------------------------------------------------------Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Xxx. xx.xx. 00-00-000 et seq.

et seq. Effective March Xxxxh 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xxss.ss. 1 et seq. Effective November Novxxxxx 7, 2004 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Xxxx Bill No. 284, Nev. Rev. Stat. ss.ss. Home Loan xx.xx. 598D.010 et seqex xxx. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard Stanxxxx & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti- ------------------ ------------------------------ ---------------- ------------------------- State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ------------------ -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan Stat. xx.xx. 5800-21A-1 01A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July Effectixx Xxly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- --------------------------------

et seq. Xxxxctive May 24, 2002 --------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective March 22July 1, 2001 2000; amended effective January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loaxx taxxx xn or after January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 2002 --------------------- ------------------------------------------------- -------------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Covered Loxx 0000 - Xxx. 0, 0000) 0-0X-0 xx xeq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 260003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------- --------------------------------

et seq. Effective March 22May 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Xxx. §§ Act Mass. Gen. Laws ch. 183C, xx.xx. Loan 31-17-1 et seq. Effective November June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Covered Loan 2003) 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P Xxxxx'x ------------------------------- ----------------- --------------------- Class I-A-1 AAA Aaa ------------------------------- ----------------- --------------------- Class I-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class I-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-X AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-1 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-4 AAA Aaa ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa1 ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa2 ------------------------------- ----------------- --------------------- Class I-B-5 A Aa3 ------------------------------- ----------------- --------------------- Class I-B-6 A- A1 ------------------------------- ----------------- --------------------- Class I-B-7 BBB+ A3 ------------------------------- ----------------- --------------------- Class I-B-8 BBB Baa2 ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa3 ------------------------------- ----------------- --------------------- Class II-B-1 AA Aaa ------------------------------- ----------------- --------------------- Class II-B-2 A Aa3 ------------------------------- ----------------- --------------------- Class II-B-3 BBB A3 ------------------------------- ----------------- --------------------- Class II-B-4 BBB- Baa1 ------------------------------- ----------------- --------------------- The Class I-XP-1, Class I-XP-2, Class I-B-IO, Class II-XP, Class II-B-IO, Class R and Class R-X Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Xxxxx Fargo Bank, National Association, a banking corporation, having a place of business at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of January 1, 2007, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the "Agreement"; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Xxxxxxx Mortgage Funding Trust 2007-AR1, Mortgage Pass-Through Certificates, Series 2007-AR1, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee's true and lawful Special Attorney-in-Fact, in the Trustee's name, place and stead and for the Trustee's benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the "Mortgage Documents"). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective March 22May 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Consumer Home Loan High Cost Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Ann. Act Mass. Gen. Laws chLoan ss.ss. 183C, xx.xx. 31-17-1 et seq. -- --- Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Category under Applicable Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxx. xx.xx. Xxxxxxx Loan 2000) 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. -- --- Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Q-4 Standard & Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Xxxx Xxx. xx.xx. Xxxx Xxxn 2003) 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. -- --- Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [XXXX XX] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [Reserved] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Servicing Criteria Applicable Servicing Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- (i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance 1122(d)(1)(ii) with such servicing activities. --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with 1122(d)(1)(iv) the terms of the transaction agreements. --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an obligor or to 1122(d)(2)(ii) an investor are made only by --------------------- ---------------------- W-1 Servicing Criteria Applicable Servicing Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- authorized personnel. --------------------- ----------------------

et seq. Effective March 22Mxx 24, 2001 2002 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Broker and Servicer Act, W. Va. Code Mortgage Loan Practices Act Mass. Gen. Laws chLoan Ann. 183C, xx.xx. §§ 31-17-1 et seq. Effective November June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. Georgia Fair Lending Act, Ga. Code Covered Loan 1, 2002 - Mar. 6, 2003) Ann. §§ 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. Georgia Fair Lending Act, Ga. Code Home Loan 1, 2002 - Mar. 6, 2003) Ann. §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. §§ Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective xxx loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P Moody’s ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-A-1 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-A-2 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-A-3 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-X AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-A-1 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-5 A A2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-8 BBB A3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-1 AA Aa1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-2 A Aa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-3 BBB A1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-4 BBB- A3 ------------------------------- ----------------- --------------------- The Class I-XP, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Wells Fargo Bank, National Association, a banking corporation, having a place of business at 0000 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no personal or other represenxxxxxx xxxxxxxx) xxxxx xxx Xxxxxxx xxx Xxxxxxing Agreement, dated as of September 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement”; capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Stearns Mortgage Funding Trust 2006-AR2, Mortgage Pass-Through Certificates, Series 2006-AR2, xxxxxx appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective March 22May 24, 2001 and 2002 -------------------------------------- ----------------------------------------------- ------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan effective January 1, 2004 -------------------------------------- ----------------------------------------------- ------------------------------- South Carolina South Carolina High Cost and Consumer Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002Loans Act, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard S.C. Code -------------------------------------- ----------------------------------------------- ------------------------------- STANDARD & Poor's High Cost Loan Categorization POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 -------------------------------------- ----------------------------------------------- ------------------------------- Ann. ss.ss. 37-23-10 et seq. Exxxctxxx xor loans taken on or after January 1, 2004 -------------------------------------- ----------------------------------------------- ------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Loan 31-17-1 ex xeq. Effective June 5, 2002 -------------------------------------- ----------------------------------------------- ------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law -------------------------------------- ----------------------------------------------- ------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Covered Loan 2003) 7-6X-0 ex xxx. Effective October 1, 2002 - March 6, 2003 -------------------------------------- ----------------------------------------------- ------------------------------- New Jersey New Jersey Home Ownership Security Act of Covered Home Loan 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effecxxxx November 27, 2003 - July 5, 2004 -------------------------------------- ----------------------------------------------- ------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law -------------------------------------- ----------------------------------------------- ------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Home Loan 2003) 7-6A-1 xx sxx. Effective October 1, 2002 - March 6, 2003 -------------------------------------- ---------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan -------------------------------------- ---------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law -------------------------------------- ----------------------------------------------- ------------------------------- Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------- ---------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seqsxx. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------- ---------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 -------------------------------------- ---------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Moody's --------- ------- --------- I-A-1 AAA Aaa I-A-2 AAA Aaa I-A-3 AAA Aaa I-M-1 AA+ Aa1 I-M-2 AA Aa2 I-M-3 AA- Aa3 I-M-4 A A2 I-B-1 A- A3 I-B-2 BBB+ Baa1 I-B-3 BBB Baa2 I-B-4 BBB- Baa3 II-A-1 AAA Aaa II-A-2 AAA Aaa II-A-3 AAA Aaa II-M-1 AA+ Aa1 II-M-2 AA Aa2 II-M-3 AA- Aa3 II-M-4 A A2 II-B-1 A- A3 II-B-2 BBB+ Baa1 II-B-3 BBB Baa2 II-B-4 BBB- Baa3 None of the above ratings has been lowered, 2003 (adding openqualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Moody's --------- ----------- ----------- I-end lines B-6 BB+ Ba1 I-B-7 BB Ba2 II-B-6 BB+ Ba1 II-B-7 BB Ba2 I-R-1 Not Rated Not Rated I-R-2 Not Rated Not Rated I-R-3 Not Rated Not Rated I-RX Not Rated Not Rated II-R-1 Not Rated Not Rated II-R-2 Not Rated Not Rated II-R-3 Not Rated Not Rated II-RX Not Rated Not Rated EXHIBIT N SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE KEY: ---- X - obligation [X] - under consideration for obligation Where there are multiple checks for criteria the attesting party will identify in their management assertion that they are attesting only to the portion of credit) ---------------------------------------------------------------------------------------------------------------------the distribution chain they are responsible for in the related transaction agreements.

et seq. Effective March 22May 24, 2001 2002 ----------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Servicer Act, W. Mortgage Loan Practices Act Mass. Gen. Laws chVa. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Loan Effective November June 5, 2002 ----------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- Category under Applicable Name of Anti-Predatory Lending Anti-Predatory State/Jurisdiction Law/Effective Date Lending Law ----------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Gx. Xxxx Covered Loan - Mar. 6, 2003) Ann. ss.ss. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 46:00X 22 et seq. Effective November 27, 2003 - July 5, 2004 ----------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ------------------------------------------ Category under -------------- State/Jurisdiction Applicable Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Anti-Predatory State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ----------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Gx. Xxxx Home Loan - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ----------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:00X 02 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Rev.Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan High Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ----------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [XXXX XX] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile --------------------, as Trustee --------------------- --------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWMBS, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effective March 22May 24, 2001 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxxective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. Loan Va. Code Ann.ss.ss.31-17-1 et seq. Effective November 7June 5, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 2002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti- ------------------ ------------------------------ ---------------- Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - Xarch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxStat.ss.ss. 24-1.1E et seq. Effective Xxxxctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Xxxective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------

et seq. Effective March 22May 24, 2001 and 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- Category under ------------------ ------------------------------ ---------------- -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Ann. ss.ss. Act Loan 31-17-1 et xxq. Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------------- 22 ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Covered Loax 0000) 7-6A-0 et xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effecxxxx November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Home Loan 2000) 7-6A-1 xx sex. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effecxxxx for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seqsex. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July Effectixx Xxly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- Exxxctxxx xor loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- EXHIBIT R FORM OF LOST NOTE AFFIDAVIT - LA SALLE AS CUSTODIAN I, as _________________________ (title) of ________ (the "Custodian"), am authorized to make this Lost Note Affidavit on behalf of __________. In connection with the administration of the Mortgage Loans held by _______________ as Custodian on behalf of ____________ ("____") or the Trust of such mortgage loans, as the case may be (the "Investor"), I (hereinafter called "Deponent"), being duly sworn, depose and say that: Custodian's address is: [CUSTODIAN'S Address] Custodian previously delivered to the Investor a signed Trust Receipt with respect to the Mortgage Note referred to below; Such Mortgage Note was endorsed or sold to the Investor by _________________________ pursuant to the terms and provisions of a ____________________ Agreement dated and effective as of _________ ______, ____; Such Mortgage Note is not outstanding pursuant to a Request for Release of Documents; Such Mortgage Note (hereinafter called the "Original") has been lost; Deponent has made or has caused to be made diligent search for Original and has been unable to find or recover same; The Custodian was the Custodian of the Original at the time of loss; and Deponent agrees that, if the Original should ever come into Custodian's possession, custody or power, Custodian will immediately and without consideration surrender Original to the Investor. Attached hereto is a true and correct copy of the (i) Mortgage Note, endorsed in blank by the Mortgagee, and (ii) [Mortgage][Deed of Trust] with evidence of recording thereon which secures the Mortgage Note. Deponent hereby agrees that the Custodian shall indemnify and hold harmless the Purchaser, the Trust, the Servicer of the related Mortgage Loan and their respective employees, officers, directors and agents against any loss, liability or damage, including reasonable attorney's fees, resulting from the unavailability of the Mortgage Note, including but not limited to any loss, liability or damage arising from (i) any false statement contained in this Lost Note Affidavit, (ii) any claim of any party that it has already purchased a mortgage loan evidenced by the lost Mortgage Note or any interest in such mortgage loan, (iii) any claim of any borrower with respect to the existence of terms of a Mortgage Loan evidenced by the lost Mortgage Note, (iv) the issuance of new instrument in lieu thereof and (v) any claim whether or not based upon or arising from honoring or refusing to honor the Original when presented by anyone (items (i) through (iv) above are hereinafter referred to as the "Losses") and (b) if required by any Rating Agency in connection with placing such lost Mortgage Note into a securitization transaction, shall obtain a surety bond from an insurer acceptable to the applicable Rating Agency in an amount acceptable to such Rating Agency to cover any Losses with respect to such lost Mortgage Note. Capitalized terms used herein but not defined herein have the meanings given them in the Custodial Agreement, dated as of July 1, 2006, between Morgan Stanley Mortgage Capital Inc. and the Custodian. Txxx Xxsx Xxxx Affidavit is intended to be relied on by the Investor, its successors, and assigns and _______________________ represents and warrants that it has the authority to perform its obligations under this Lost Note Affidavit.

et seq. Effective March 22May 24, 2001 2002 --------------------------- --------------------------------------- ---------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective for loans taken on or after January 1, 2004 --------------------------- --------------------------------------- ---------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Servicer Act, W. Mortgage Loan Practices Act Mass. Gen. Laws chVa. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Loax Effective November June 5, 2002 --------------------------- --------------------------------------- ---------------------- Standard & Poor's Covered Loan Categorization --------------------------- -------------------------------------------- ---------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti-Predatory Lending Law --------------------------- -------------------------------------------- ---------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ------------------------------------------- ------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of Covered Home Loan 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ------------------------------------------- ------------------------- Standard & Poor's Home Loan Categorization --------------------------- --------------------------------------------- ---------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti-Predatory Lending Law --------------------------- --------------------------------------------- ---------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Home Loan Mar. 6, 2003) ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- -------------------------------------------- ------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 00:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- -------------------------------------------- ------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. Home Loan Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- -------------------------------------------- ------------------------ North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------- -------------------------------------------- ------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [RESERVED] [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile ____________________, as Trustee _______________ _______________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effective March 22May 24, 2001 2002 -------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws chConsumer Home Loans Act, S.C. Code Ann. 183C, xx.xxss.ss. 1 et seq37-23-00 ex xxx. Effective November 7for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No-------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, Loan Act Loan W. Va. Code Ann. 284ss.ss. 31-17-0 et xxx. Effective June 5, Nev. Rev. Stat2002 -------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti- Predatory Lending Law -------------------------------------------------------------------------------------------------------------------- Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code Covered Loan Ann. Home Loan xx.xxss.ss. 598D.010 et seq7-6A-0 xt xxx. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Covered Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------------------------------- STANDARD & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- POOR'S HOME LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Applicable Anti- Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 -------------------------------------------------------------------------------------------------------------------- Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code Home Loan Ann. ss.ss. 7-6A-0 xt xxx. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Rev. Stat. xx.xxss.ss. 58-21A-1 et seqex xxx. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22May 24, 2001 and 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Practices Broker and Servicer Act, W. Va. Code Act Mass. Gen. Laws chLoan Ann. 183C, xx.xxss.ss. 1 et seq31-17-0 XT XXX. Effective November June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------------- ------------------------------------------------- -------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Covxxxd Xxxx Mar. 6, 2003) 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, Covered Home Loan N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard 46:10B-22 EX XXX. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & Poor's High Cost POOR'S HOME LOAN CATEGORIZATION ---------------------------------- ------------------------------------------------- -------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Homx Xoax Xxx. 6, 2003) 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seqN.J. Rev. Stat. ss.ss. 46:10B-22 EX XXX. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seqET SEQ. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seqET XXX. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES PUBLIC CERTIFICATES Class S&P Moody's --------------- ------- ------- Class I-A-1 AAA Aaa Class II-A-1 AAA Aaa Class II-A-2 AAA Aaa Class II-A-3 AAA Aaa Class II-X-1 AAA Aaa Class III-A-1 AAA Aaa Class IV-A-1 AAA Aaa Class R-I AAA -- Class R-II AAA -- Class R-III AAA -- Class B-1 AA+ Aa1 Class B-2 AA+ Aa2 Class B-3 AA Aa3 Class B-4 AA A1 Class B-5 AA- A2 Class B-6 A+ A3 Class B-7 A Baa1 Class B-8 A- Baa2 Class B-9 BBB -- None of the above ratings has been lowered since the respective dates of such letters.

et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chVa. Code Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 2002 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Standard & Poor's Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xx. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22June 2, 2001 and amended from time to time 2003 --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Colorado Consumer Equity Protection, Colo. Stat. Xxx. Covered Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 5-3.5-101 et seq. Effective November for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2004 2002 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Act, Nev. Rev. Conn. Gen. Stat. Home Loan xx.xx. 598D.010 36a-746 et seq. Effective October 1, 2003 2001 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost District of Columbia Home Loan Act of 2002Protection Act, N.J. Rev. Stat. D.C. Code xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti26-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 1151.01 et seq. Effective for loans closed on or after November 27January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Florida Fair Lending Act, N.M. Rev. Fla. Stat. Xxx. xx.xx. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. xx.xx. High Cost Home Loan - current) 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan 1994, 15 U.S.C. ss. 1639, 12 C.F.R. xx.xx. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan 815, xx.xx. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Xxx. xx.xx. High Loan to Value Consumer 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a -------------------------------- became effective July 1, 1999 High APR Consumer Loan (id. ss. 16a-3-308a) --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan Rev. Stat. xx.xx. 58-21A-1 360.100 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1June 24, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home LoansMaine Truth in Lending, N.C. Gen. Me. Rev. Stat. tit. 9-A, High Rate High Fee Mortgage xx.xx. 248-1.1E 101 et seq. Effective July 1September 29, 2000; 1995 and as amended October 1, 2003 (adding openfrom time to time --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-end lines of credit) Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1Effexxxxx for loans closed on or after January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Hxxx Xxxx Xxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effxxxivx Xxxober 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code Xxxx Xxxx Xxxx Xxxx 0000 - xxxxxxx) Ann. ss.ss. 7-6A-1 et seq. Effxxxivx xxx loans closed on or after March 7, 2003 ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effecxxxx October 1, 1995, amendments October 1, 2002 ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective Xxxxary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Consumer ss.ss. 16a-1-101 et seq. Loan (xx. xs. 16a-3-207) and; ------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. effective April 14, 1999; Section 16a-3-308a ss. 16a-3-308a) became effective July 1, 1999 ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. High Cost Home Loan Stat. ss.ss. 360.100 et seq. Effectixx Xxne 24, 2003 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9 High Rate High Fee Mortgage A, ss.ss. 8-101 et seq. Effective Xxxxember 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. Home Loan ss.ss. 598D.010 et seq. Effectxxx Xctober 1, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey Rev. Stat. ss.ss. 46:10B 22 et seq. Effective Effexxxxx for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------.

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage Loan Practices Act Mass. Gen. Laws ch. 183Cof Title 14A) Effective June 5, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxxered Loan 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxx. xx.xx. 0-0X-0 Xxxe Loan 0003) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] SWAP CONTRACT ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. XXXXXXX X-0 [XXXX XX] XXXX XONTRACT ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, 2003 Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (adding open-end lines of creditthe "Pooling and Servicing Agreement") ---------------------------------------------------------------------------------------------------------------------among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:

et seq. Effective March 22May 24, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Home Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxxered Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch2003) Ann. 183C, xx.xxss.ss. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ----------------------------------------------------------------------------------------------------------------------- O-4 ----------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Gx. Xxxx Xxx. xx.xx. 0-0X-0 Xxxe Loan 0003) et seq. Effective October 1, 2002 - March 6, 2003 ----------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ----------------------------------------------------------------------------------------------------------------------- EXHIBIT P [FORM OF] SUPPLEMENTAL TRANSFER AGREEMENT THIS SUPPLEMENTAL TRANSFER AGREEMENT, 2003 dated as of ____________, 200_ (adding open-end lines of creditthis "Supplemental Transfer Agreement"), among CWALT, INC., a Delaware corporation, as depositor (the "Depositor"), COUNTRYWIDE HOME LOANS, INC. ("CHL"), a New York corporation, as a seller (a "Seller"), PARK GRANADA LLC ("Park Granada"), a Delaware limited liability company, as a seller (a "Seller"), PARK MONACO INC. ("Park Monaco"), a Delaware limited liability corporation, as a seller (a "Seller"), PARK SIENNA LLC ("Park Sienna"), a Delaware limited liability company, as a seller (a "Seller" and together with CHL, Park Granada and Park Monaco, the "Sellers") ---------------------------------------------------------------------------------------------------------------------under the Pooling and Servicing Agreement referred to below, and THE BANK OF NEW YORK, a New York banking corporation, as trustee (the "Trustee");

et seq. Effective March 22for loans closed on or after January 28, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan 2003 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 Loax 494.0078 et seq. Effective November October 2, 2002 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Axx, Xx. Xxxx Xxxx Xxxx Xxxx Xxxx Xar. 6, 2003) Ann. ss.ss. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia as amended Georgia Fair Lending Act, Ga. Code High Cost Home Loan Act of 2002(Mar. 7, N.J. Rev. Stat2003 - current) Ann. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti7-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 6A-1 et seq. Effective for loans closed on or after November 27March 7, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Cost Risk Home Loan Stat. xx.xxtit. 58-21A-1 815, ss.ss. 137/5 et seq. Effective as of January 1, 2004; Revised as of February 262004 (prior to this date, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1regulations under Residential Mortgage License Act effective from May 14, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans2001) ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Kansas Consumer Credit Code, N.C. Gen. Kan. Stat. xx.xxAnn. 24High Loan to Value ss.ss. 16a-1-1.1E 101 et seq. Effective July 1, 2000; amended October 1, 2003 Consumer Loan (adding openid. ss. 16a-3-end lines of credit207) ---------------------------------------------------------------------------------------------------------------------and;

et seq. Effectivx Xxx 24, 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective March 22June 5, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Coxxxxx Xxxx 0000) Ann. ss.ss. 7-6A-1 et seq. Effxxxivx Xxxober 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 Hoxx Xxxx 0000) xt xxx. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effecxxxx for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. ss.ss. Home Loan Stat. xx.xx. 58-21A-1 20X-0 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July Exxxctxxx xor loans taken on or after January 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [Reserved] EXHIBIT S-2 [Reserved] EXHIBIT T [Reserved]

et seq. Effective March 22May 24, 2001 2002 ---------------------------- ------------------------------------------- ------------------------ Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ------------------------------------------- ------------------------ West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Servicer Act, W. Va. Loan High Cost Home Mortgage Act Loan Practices Act Mass. Gen. Laws chCode Ann. 183C, xx.xxss.ss. 31-17-1 et seq. Effective November June 5, 2002 ---------------------------- ------------------------------------------- ------------------------ Standard & Poor's Covered Loan Categorization _____________________________________________ ---------------------------- ------------------------------------------- ------------------------- Category under Applicable Name of Anti-Predatory Lending Anti-Predatory Lending State/Jurisdiction Law/Effective Date Law ---------------------------- ------------------------------------------- ------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 -6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- ------------------------------------------- ------------------------- New Jersey New Jersey Home Ownership Security High Cost Act of Covered Home Loan 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ------------------------------------------- ------------------------- Standard & Poor's Home Loan Categorization __________________________________________ ---------------------------- -------------------------------------------- ------------------------ Category under Applicable Name of Anti-Predatory Lending Law/Effective Anti-Predatory Lending State/Jurisdiction Law ---------------------------- -------------------------------------------- ------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Home Loan Mar. 6, 2003) ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- -------------------------------------------- ------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. xx.xxss.ss. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 00:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- -------------------------------------------- ------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Rev.Stat. Home Loan Stat. xx.xxss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------------------------------------------------------------------------------------------------------- ---------------------------- -------------------------------------------- ------------------------ North Carolina Restrictions and Limitations on High High Cost Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. xx.xxss.ss. 24-1.1E et seq. Effective July for loans taken on or after January 1, 2000; amended October 12004 ---------------------------- -------------------------------------------- ------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 EXHIBIT S-2 EXHIBIT T [Reserved] T-1 EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------at a minimum, the criteria identified as below as "Applicable Servicing Criteria":

et seq. Effective March 22Junx 0, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Colorado Consumer Equity Protection, Colo. Covered Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws chStat. 183C, xx.xxAnn. 1 ss.ss. 5-3.5-101 et seq. Effective November for xxvexxx xoans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 2842002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Nev. Rev. Conn. Gen. Stat. Home Loan xx.xxss.ss. 598D.010 36a-746 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost 2001 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- District of Columbia Home Loan Act of 2002Protection Act, N.J. Rev. StatD.C. Code ss.ss. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Covered Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti26-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 1151.01 et seqxxx. Effective for loans closed on or after November 27January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Florida Fair Lending Act, N.M. Rev. Fla. Stat. Ann. ss.ss. High Cost Home Loan Stat000.0000 xt seq. xx.xxEffective October 2, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Hoxx Xxxx Xxx. 580, 0000) Xxx. ss.ss. 7-21A-1 6A-1 et seq. Effective as of January Octobxx 1, 2004; Revised 0000 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia as of February 26amended (Mar. Georgia Fair Lending Act, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l Ga. Code High Cost Home Loan Effective for applications made 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectivx xor xxxxs closed on or after April March 7, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 0, 0995, amendments October 1, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective Janxxxx 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16x-0-101 et seq. Consumer Loan (id. sx. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Kentucky 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High KY H.B. 287 - High Cost Home Loan High Cost Home LoansLoan Act, N.C. Gen. Ky. Rev. Stat. xx.xxss.ss. 24-1.1E 360.100 et seq. Effective July 1, 2000; amended October 1Juxx 00, 2003 (adding open---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9-end lines of credit) ---------------------------------------------------------------------------------------------------------------------A, ss.ss. 8-101 et seq. Mortgage Effective September 29, 1995 and as amended from time to time ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------

et seq. Effective March 22, 2001 and amended from time to time --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, xx.xx. 1 et seq. Effective November 7, 2004 --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan xx.xx. 598D.010 et seq. Effective October 1, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. xx.xx. 46:10B- --------------------------------------------------------------------------------------------------------------------- Q-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et seq. Effective for Effectivx xxx loans closed on or after November 27January 28, 2003 --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Florida Fair Lending Act, N.M. Rev. Fla. Stat. Ann. ss.ss. High Cost Home Loan 490.0070 xx seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost Hxxx Xxxx Xxx. 0, 0000) Xxn. ss.ss. 7-6A-1 et seq. Effectixx Ocxxxxx 1, 2002 - March 6 2003 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia as amended Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effectixx fox xxxns closed on or after March 7, 2003 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective Xxxxber 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. xx.xxtit. 58-21A-1 815, ss.ss. 137/5 et seq. Effective as of January Jaxxxxx 1, 20042004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 10x-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Revised as of February 26Sections 16a-1-301 and 16a-3-207 became effective April 14, 2004 --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 61999; Section 16a-3-l 308a became effective July 1, 1999 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home High Cost Home Loan Effective for applications made on or after April 1Loan Act, 2003 --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan Cost Home Loans, N.C. Gen. Ky. Rev. Stat. xx.xxss.ss. 24-1.1E 360.100 et seq. Effective July 1, 2000; amended October 1June 24, 2003 (adding open---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9- Mortgage A, ss.ss. 8-end lines of credit) ---------------------------------------------------------------------------------------------------------------------101 et seq.