Common use of INITIAL PERIODIC CAP OF THE ADJUSTABLE Clause in Contracts

INITIAL PERIODIC CAP OF THE ADJUSTABLE. RATE LOANS ---------------------------------------------------------------------------------------------------------------------- % OF PRINCIPAL PRINCIPAL BALANCE OF BALANCE OF ADJUSTABLE ADJUSTABLE RATE RATE LOANS AS LOANS AS REMAINING DEBT- NUMBER OF OF THE OF THE TERM TO TO- MORTGAGE INITIAL PERIODIC MORTGAGE CUT-OFF CUT-OFF MATURITY INCOME RATES RATE CAP (%) LOANS DATE DATE (MONTHS) (%) (%) FICO OLTV (%) ---------------------------------------------------------------------------------------------------------------------- 2.000 415 199,784,713.59 100.00 359 41.26 7.178 619 79.86 ====================================================================================================================== TOTAL: 415 199,784,713.59 100.00 359 41.26 7.178 619 79.86 ----------------------------------------------------------------------------------------------------------------------

INITIAL PERIODIC CAP OF THE ADJUSTABLE. RATE LOANS ---------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------------- PRINCIPAL % OF PRINCIPAL PRINCIPAL BALANCE OF BALANCE OF ADJUSTABLE RATE ADJUSTABLE RATE REMAINING NUMBER OF LOANS RATE LOANS AS LOANS AS REMAINING DEBT- NUMBER OF OF THE OF THE TERM TO DEBT-TO- MORTGAGE INITIAL PERIODIC MORTGAGE CUT-OFF CUT-OFF AS OF THE AS OF THE MATURITY INCOME RATES RATE CAP (%) LOANS CUT-OFF DATE CUT-OFF DATE (MONTHS) (%) (%) FICO OLTV (%) ---------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------------- 2.000 415 199,784,713.59 524 $ 249,681,030.71 100.00 359 41.26 7.178 41.17 7.177 619 79.86 ====================================================================================================================== 79.92 --------------------------------------------------------------------------------------------------------------------------- TOTAL: 415 199,784,713.59 524 $ 249,681,030.71 100.00 359 41.26 7.178 41.17 7.177 619 79.86 ----------------------------------------------------------------------------------------------------------------------79.92 ---------------------------------------------------------------------------------------------------------------------------

INITIAL PERIODIC CAP OF THE ADJUSTABLE. RATE LOANS ---------------------------------------------------------------------------------------------------------------------- % OF PRINCIPAL PRINCIPAL BALANCE OF BALANCE OF ADJUSTABLE ADJUSTABLE REMAINING INITIAL NUMBER OF RATE MORTGAGE RATE MORTGAGE TERM TO DEBT-TO- MORTGAGE PERIODIC MORTGAGE LOANS AS OF THE LOANS AS REMAINING DEBT- NUMBER OF OF THE OF THE TERM TO TO- MORTGAGE INITIAL PERIODIC MORTGAGE CUT-OFF CUT-OFF MATURITY INCOME RATES OLTV RATE CAP (%) LOANS CUT-OFF DATE CUT-OFF DATE (MONTHS) (%) (%) FICO OLTV (%) ---------------------------------------------------------------------------------------------------------------------- 2.000 415 199,784,713.59 270 $77,600,804.43 100.00 359 41.26 7.178 619 79.86 ====================================================================================================================== 360 39.92 7.409 604 84.82 ---------------------------------------------------------------------------------------------------------------------- TOTAL: 415 199,784,713.59 270 $77,600,804.43 100.00 359 41.26 7.178 619 79.86 360 39.92 7.409 604 84.82 ----------------------------------------------------------------------------------------------------------------------

INITIAL PERIODIC CAP OF THE ADJUSTABLE. RATE LOANS ---------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------ % OF PRINCIPAL PRINCIPAL BALANCE OF BALANCE OF ADJUSTABLE ADJUSTABLE RATE REMAINING INITIAL NUMBER OF RATE LOANS RATE LOANS TERM TO DEBT-TO MORTGAGE PERIODIC MORTGAGE AS LOANS AS REMAINING DEBT- NUMBER OF OF THE AS OF THE TERM TO TO- MORTGAGE INITIAL PERIODIC MORTGAGE CUT-OFF CUT-OFF MATURITY INCOME RATES OLTV RATE CAP (%) LOANS CUT-OFF DATE CUT-OFF DATE (MONTHS) (%) (%) FICO OLTV (%) ---------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------ 2.000 415 199,784,713.59 623 $271,885,215.62 100.00 359 41.26 7.178 619 79.86 358 40.58 7.267 598 76.20 ============================================================================================================================== TOTAL: 415 199,784,713.59 623 $271,885,215.62 100.00 359 41.26 7.178 619 79.86 ----------------------------------------------------------------------------------------------------------------------358 40.58 7.267 598 76.20 ------------------------------------------------------------------------------------------------------------------------------

INITIAL PERIODIC CAP OF THE ADJUSTABLE. RATE LOANS ---------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------------ PRINCIPAL REMAINING DEBT INITIAL BALANCE % OF PRINCIPAL PRINCIPAL BALANCE TERM TO -TO- MORTGAGE PERIODIC NUMBER OF AS OF BALANCE AS OF ADJUSTABLE ADJUSTABLE RATE RATE LOANS AS LOANS AS REMAINING DEBT- NUMBER OF OF THE OF THE TERM TO TO- MORTGAGE INITIAL PERIODIC MORTGAGE CUT-OFF CUT-OFF MATURITY INCOME RATES OLTV RATE CAP (%) MORTGAGE LOANS THE CUT-OFF DATE THE CUT-OFF DATE (MONTHS) (%) (%) FICO OLTV (%) ---------------------------------------------------------------------------------------------------------------------- 2.000 415 199,784,713.59 100.00 359 41.26 7.178 619 79.86 ------------------------------------------------------------------------------------------------------------------------------------ 2 809 $ 326,672,378.29 100.00% 357 40.00 6.751 626 80.31 ==================================================================================================================================== TOTAL: 415 199,784,713.59 100.00 359 41.26 7.178 619 79.86 ----------------------------------------------------------------------------------------------------------------------809 $ 326,672,378.29 100.00% 357 40.00 6.751 626 80.31 ------------------------------------------------------------------------------------------------------------------------------------

INITIAL PERIODIC CAP OF THE ADJUSTABLE. RATE LOANS ---------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------------ % OF PRINCIPAL PRINCIPAL BALANCE OF BALANCE OF ADJUSTABLE REMAINING INITIAL NUMBER ADJUSTABLE RATE ADJUSTABLE TERM TO DEBT-TO- MORTGAGE PERIODIC OF MORTGAGE AS OF THE RATE LOANS AS LOANS AS REMAINING DEBT- NUMBER OF OF THE OF THE TERM TO TO- MORTGAGE INITIAL PERIODIC MORTGAGE CUT-OFF CUT-OFF MATURITY INCOME RATES RATE CAP (%) LOANS CUT-OFF DATE THE CUT-OFF DATE (MONTHS) (%) (%) FICO OLTV (%) ---------------------------------------------------------------------------------------------------------------------- ------------------------ ------------ --------------------- ----------------- ----------- ---------- ------------- ------- --------- 2.000 415 199,784,713.59 100.00 359 41.26 7.178 619 79.86 ====================================================================================================================== 1,775 406,029,575.54 100 358 40.17 7.42 603 85.1 ------------------------ ------------ --------------------- ----------------- ----------- ---------- ------------- ------- --------- TOTAL: 415 199,784,713.59 100.00 359 41.26 7.178 619 79.86 ----------------------------------------------------------------------------------------------------------------------1,775 406,029,575.54 100 358 40.17 7.42 603 85.1 ------------------------ ------------ --------------------- ----------------- ----------- ---------- ------------- ------- ---------

INITIAL PERIODIC CAP OF THE ADJUSTABLE. RATE LOANS ---------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------- % OF PRINCIPAL PRINCIPAL BALANCE OF BALANCE OF ADJUSTABLE REMAINING DEBT- INITIAL NUMBER OF ADJUSTABLE RATE RATE LOANS AS LOANS AS REMAINING DEBT- NUMBER OF OF THE OF THE TERM TO TO- MORTGAGE INITIAL PERIODIC MORTGAGE CUT-OFF CUT-OFF LOANS AS OF THE AS OF THE MATURITY INCOME RATES MORTGAGE RATE CAP (%) LOANS CUT-OFF DATE CUT-OFF DATE (MONTHS) (%) (%RATES(%) FICO OLTV (%) ---------------------------------------------------------------------------------------------------------------------- ------------------- ------------- ------------------ --------------- ----------- --------- ------------ -------- --------- 2.000 415 199,784,713.59 100.00 359 41.26 7.178 619 79.86 ====================================================================================================================== 476 $ 207,895,769.57 100.00% 358 40.77 7.266 598 76.16 ------------------- ------------- ------------------ --------------- ----------- ---------- ------------ ------- --------- TOTAL: 415 199,784,713.59 100.00 359 41.26 7.178 619 79.86 ----------------------------------------------------------------------------------------------------------------------476 $ 207,895,769.57 100.00% 358 40.77 7.266 598 76.16 ---------------------------------------------------------------------------------------------------------------------------