Common use of Interest Only Term Clause in Contracts

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 60 386 127,388,228 23.21 6.169 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- --------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 60 386 127,388,228 23.21 6.169 357 81.27 678 ---------------------------------- 1,967 190,872,885 100.00 8.299 268 88.07 652 --------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------1,967 190,872,885 100.00 8.299 268 88.07 652

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Back Mortgage Principal Principal Interest Term Original FICO DTI Interest Only Term Loans Balance ($) Balance Rate (%Rate(%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Ratio --------------------------------------------------------------------------------------------------------------------------------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 60 386 127,388,228 23.21 6.169 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 8 800,841 100.00 7.226 318 80.28 633 32.77 --------------------------------------------------------------------------------------------------------------------------------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------8 800,841 100.00 7.226 318 80.28 633 32.77 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Comb Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 --------------------------------------------------------------------------------------------------------------------------------- 60 386 127,388,228 23.21 6.169 357 648 203,871,131 100.00 6.313 358 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 682 --------------------------------------------------------------------------------------------------------------------------------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------648 203,871,131 100.00 6.313 358 81.27 682 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 60 386 127,388,228 23.21 6.169 396 96,910,946 100 6.077 357 81.27 678 81.37 684 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,712 548,770,998 396 96,910,946 100 6.985 338 81.67 655 6.077 357 81.37 684 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Back Mortgage Principal Principal Interest Term Original FICO DTI Interest Only Term Loans Balance ($) Balance Rate (%Rate(%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Ratio --------------------------------------------------------------------------------------------------------------------------------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 33 5,604,342 84.26 7.664 347 81.01 616 41.99 60 386 127,388,228 23.21 6.169 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 3 1,047,087 15.74 7.273 354 80.00 658 44.83 --------------------------------------------------------------------------------------------------------------------------------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------36 6,651,429 100.00 7.603 348 80.85 623 42.44 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Comb Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- ------------------------------------------------------------------------------------------------------------------------------------ 0 2,326 421,382,770 76.79 7.232 332 81.8 647 7,341 1,232,028,400 88.20 7.095 351 79.43 24 515 130,883,725 9.37 6.569 356 82.91 36 55 13,236,796 0.95 6.333 356 80.43 60 386 127,388,228 23.21 6.169 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 82 19,761,112 1.41 6.423 356 79.46 120 3 931,400 0.07 4.674 296 73.49 ------------------------------------------------------------------------------------------------------------------------------------ Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------7,996 1,396,841,434 100.00 7.028 351 79.76 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 ------------------------------------------------------------------------------------------------------------------------------------ 60 386 127,388,228 23.21 6.169 797 253,980,326 100.00 6.080 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 81.97 667 ------------------------------------------------------------------------------------------------------------------------------------ Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------797 253,980,326 100.00 6.080 357 81.97 667 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 60 386 127,388,228 23.21 6.169 401 157,069,380 100.00 6.082 357 81.27 678 ---------------------------------- 82.34 657 --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- 401 157,069,380 100.00 6.082 357 82.34 657 --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- ------------------------------------------------------------------------------------------------------------------------------------ 0 2,326 421,382,770 76.79 7.232 332 81.8 647 256 141,373,813 69.63 6.911 357 80.32 635 60 386 127,388,228 23.21 6.169 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 111 61,663,023 30.37 6.281 358 81.23 684 ------------------------------------------------------------------------------------------------------------------------------------ Total: 2,712 548,770,998 367 203,036,837 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------6.72 357 80.6 650 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 ------------------------------------------------------------------------------------------------------------------------------------ 60 386 127,388,228 23.21 6.169 357 648 203,871,131 100.00 6.313 358 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 682 ------------------------------------------------------------------------------------------------------------------------------------ Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- --------------------------------------------------------------------------------------------------------------------------------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 651 99,487,852 44.98 7.135 356 80.44 651 60 386 127,388,228 23.21 6.169 445 121,711,591 55.02 6.717 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 79.57 675 --------------------------------------------------------------------------------------------------------------------------------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------1,096 221,199,443 100.00 6.905 357 79.96 664 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- ------------------------------------------------------------------------------------------------------------------------------------ 0 2,326 421,382,770 76.79 7.232 332 81.8 647 3,118 701,027,705 77.47 7.064 358 80.69 622 60 386 127,388,228 23.21 6.169 357 648 203,871,131 22.53 6.313 358 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 682 ------------------------------------------------------------------------------------------------------------------------------------ Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------3,766 904,898,836 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 1,761 361,184,916 63.97 7.107 329 81.58 637 60 386 127,388,228 23.21 6.169 584 203,434,913 36.03 6.036 357 81.27 678 81.96 668 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 2,345 564,619,829 100.00 6.721 339 81.72 648 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 2,364 541,803,687 68.08 6.786 357 80.37 627 60 386 127,388,228 23.21 6.169 797 253,980,326 31.92 6.080 357 81.27 678 81.97 667 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------3,161 795,784,013 100.00 6.561 357 80.88

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 1,882 339,239,425 80.80 7.272 331 81.20 652 60 386 127,388,228 23.21 6.169 245 80,595,946 19.20 6.312 357 81.27 678 80.47 692 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 2,127 419,835,371 100.00 7.087 336 81.06 660 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- --------------------------------------------------------------------------------------------------------------------------------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 186 28,177,803 95.46 7.354 354 80.12 672 60 386 127,388,228 23.21 6.169 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 8 1,338,866 4.54 7.615 356 80.99 686 --------------------------------------------------------------------------------------------------------------------------------- Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------194 29,516,669 100.00 7.366 354 80.16 673 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 60 386 127,388,228 23.21 6.169 -------------------------------------------------------------------------------------------------------------------------------- 24 654 154,414,439 90.26 6.305 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 82.95 629 36 68 14,134,152 8.26 6.285 357 82.17 633 120 8 2,526,702 1.48 4.608 297 79.85 745 -------------------------------------------------------------------------------------------------------------------------------- Total: 2,712 548,770,998 730 171,075,293 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------6.278 356 82.84 631 --------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 275 48,034,837 92.65 7.1 349 81.17 670 60 386 127,388,228 23.21 6.169 21 3,811,307 7.35 6.457 357 81.27 678 84.97 702 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,712 548,770,998 296 51,846,144 100 6.985 338 81.67 655 7.053 349 81.45 672 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Comb Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 ------------------------------------------------------------------------------------------------------------------------------------ 24 515 130,883,725 79.41 6.569 356 82.91 617 36 55 13,236,796 8.03 6.333 356 80.43 613 60 386 127,388,228 23.21 6.169 357 81.27 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 82 19,761,112 11.99 6.423 356 79.46 655 120 3 931,400 0.57 4.674 296 73.49 682 ------------------------------------------------------------------------------------------------------------------------------------ Total: 2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------164,813,034 100.00 6.522 356 82.25 621 ------------------------------------------------------------------------------------------------------------------------------------