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 3,118 701,027,705 77.47 7.064 358 80.69 622 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ Total: 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 3,118 701,027,705 77.47 7.064 358 80.69 622 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 396 96,910,946 100 6.077 357 81.37 684 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 3,766 904,898,836 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------396 96,910,946 100 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 Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 0 3,118 701,027,705 77.47 7.064 358 80.69 622 60 648 203,871,131 22.53 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ Total: 3,766 904,898,836 648 203,871,131 100.00 6.895 6.313 358 80.82 635 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 3,118 701,027,705 77.47 7.064 358 80.69 622 60 648 203,871,131 22.53 6.313 358 81.27 682 797 253,980,326 100.00 6.080 357 81.97 667 ------------------------------------------------------------------------------------------------------------------------------------ Total: 3,766 904,898,836 797 253,980,326 100.00 6.895 358 80.82 635 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 Comb Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 0 3,118 701,027,705 77.47 7.064 358 80.69 622 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 60 648 203,871,131 22.53 6.313 358 81.27 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: 3,766 904,898,836 655 164,813,034 100.00 6.895 358 80.82 635 6.522 356 82.25 621 ------------------------------------------------------------------------------------------------------------------------------------

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 3,118 701,027,705 77.47 7.064 358 80.69 622 --------------------------------------------------------------------------------------------------------------------------------- 60 648 203,871,131 22.53 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------------------- Total: 3,766 904,898,836 648 203,871,131 100.00 6.895 6.313 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 3,118 701,027,705 77.47 7.064 358 80.69 622 1,761 361,184,916 63.97 7.107 329 81.58 637 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 584 203,434,913 36.03 6.036 357 81.96 668 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 3,766 904,898,836 2,345 564,619,829 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 3,118 701,027,705 77.47 7.064 256 141,373,813 69.63 6.911 357 80.32 635 60 111 61,663,023 30.37 6.281 358 80.69 622 60 648 203,871,131 22.53 6.313 358 81.27 682 81.23 684 ------------------------------------------------------------------------------------------------------------------------------------ Total: 3,766 904,898,836 100.00 6.895 358 80.82 635 367 203,036,837 100 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 Back Mortgage Principal Principal Interest Term Original FICO DTI Interest Only Term Loans Balance ($) Balance Rate (%Rate(%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ Ratio --------------------------------------------------------------------------------------------------------------------------------- 0 3,118 701,027,705 77.47 7.064 358 80.69 622 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 8 800,841 100.00 7.226 318 80.28 633 32.77 --------------------------------------------------------------------------------------------------------------------------------- Total: 3,766 904,898,836 8 800,841 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ --------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 3,118 701,027,705 77.47 7.064 358 80.69 622 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 1,967 190,872,885 100.00 8.299 268 88.07 652 --------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 3,766 904,898,836 1,967 190,872,885 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 Comb Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------- 0 3,118 701,027,705 77.47 7.064 358 80.69 622 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 1,967 403,591,974 77.02 7.284 351 78.67 24 286 96,586,916 18.43 6.295 355 80.67 36 58 18,284,513 3.49 5.923 356 76.59 120 17 5,574,253 1.06 4.521 296 79.25 ------------------------------------------------------------------------------------------------------------------------------- Total: 3,766 904,898,836 2,328 524,037,656 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------7.025 352 78.97 -------------------------------------------------------------------------------------------------------------------------------

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 3,118 701,027,705 77.47 7.064 358 80.69 622 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 60 648 203,871,131 22.53 6.313 358 81.27 682 82 19,761,112 1.41 6.423 356 79.46 120 3 931,400 0.07 4.674 296 73.49 ------------------------------------------------------------------------------------------------------------------------------------ Total: 3,766 904,898,836 7,996 1,396,841,434 100.00 6.895 358 80.82 635 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 3,118 701,027,705 77.47 7.064 358 80.69 622 1,882 339,239,425 80.80 7.272 331 81.20 652 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 245 80,595,946 19.20 6.312 357 80.47 692 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 3,766 904,898,836 2,127 419,835,371 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 3,118 701,027,705 77.47 7.064 358 80.69 622 275 48,034,837 92.65 7.1 349 81.17 670 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 21 3,811,307 7.35 6.457 357 84.97 702 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 3,766 904,898,836 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------296 51,846,144 100 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 Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 3,118 701,027,705 77.47 7.064 358 80.69 622 2,364 541,803,687 68.08 6.786 357 80.37 627 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 797 253,980,326 31.92 6.080 357 81.97 667 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 3,766 904,898,836 3,161 795,784,013 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 Comb Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------------------------------------------------------------------------------------------------- 0 3,118 701,027,705 77.47 7.064 358 80.69 622 2,585 490,804,663 87.32 7.100 351 79.19 24 139 52,013,458 9.25 6.541 356 84.37 36 12 5,039,298 0.90 5.965 356 80.27 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 56 13,897,208 2.47 6.539 356 80.20 120 1 333,900 0.06 4.600 297 70.00 ---------------------------------------------------------------------------------------------------------------------------- Total: 3,766 904,898,836 2,793 562,088,526 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------7.022 351 79.70

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 3,118 701,027,705 77.47 7.064 358 80.69 622 33 5,604,342 84.26 7.664 347 81.01 616 41.99 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 3 1,047,087 15.74 7.273 354 80.00 658 44.83 --------------------------------------------------------------------------------------------------------------------------------- Total: 3,766 904,898,836 36 6,651,429 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 0 3,118 701,027,705 77.47 7.064 358 80.69 622 --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- -------- 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 401 157,069,380 100.00 6.082 357 82.34 657 --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 3,766 904,898,836 401 157,069,380 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 3,118 701,027,705 77.47 7.064 358 80.69 622 2,326 421,382,770 76.79 7.232 332 81.8 647 60 648 203,871,131 22.53 6.313 358 386 127,388,228 23.21 6.169 357 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 3,766 904,898,836 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 3,118 701,027,705 77.47 7.064 358 80.69 622 186 28,177,803 95.46 7.354 354 80.12 672 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 8 1,338,866 4.54 7.615 356 80.99 686 --------------------------------------------------------------------------------------------------------------------------------- Total: 3,766 904,898,836 194 29,516,669 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 3,118 701,027,705 77.47 7.064 358 80.69 622 651 99,487,852 44.98 7.135 356 80.44 651 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 445 121,711,591 55.02 6.717 357 79.57 675 --------------------------------------------------------------------------------------------------------------------------------- Total: 3,766 904,898,836 1,096 221,199,443 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------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 Back Mortgage Principal Principal Interest Term Original FICO DTI Interest Only Term Loans Balance ($) Balance Rate (%Rate(%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ Ratio ------------------ -------- ----------- --------- -------- --------- -------- -------- ----- 0 3,118 701,027,705 77.47 7.064 358 80.69 622 1,670 218,079,765 64.04 7.235 337 82.58 629 40.40 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 490 122,442,397 35.96 6.712 356 80.31 642 42.69 Total: 3,766 904,898,836 2,160 340,522,162 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------7.047 344 81.76 634 41.23

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 3,118 701,027,705 77.47 7.064 358 80.69 622 60 648 203,871,131 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------------------------------------------------------- 24 654 154,414,439 90.26 6.305 357 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: 3,766 904,898,836 100.00 6.895 358 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------730 171,075,293 100 6.278 356 82.84 631 --------------------------------------------------------------------------------------------------------------------------------