Common use of Other (Describe Clause in Contracts

Other (Describe. The undersigned acknowledges that the above Mortgage File will be held by the undersigned in accordance with the provisions of the Agreement and will promptly be returned to the Indenture Trustee when the need therefor by the Master Servicer no longer exists unless the Mortgage Loan has been liquidated or retransferred. Capitalized terms used herein shall have the meanings ascribed to them in the Agreement. COUNTRYWIDE HOME LOANS, INC. By:_______________________________ Name: Title: Servicing Officer EXHIBIT E STANDARD & POOR'S GLOSSARY Standard & Poor's Predatory Lending Categorization Standard & Poor's has categorized loans governed by anti-predatory lending laws in the jurisdictions listed below into three categories based on a combination of factors that include (a) 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 Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- Arkansas High Cost Home Loan --------------------------------------------------------------------------------------------------------- Cleveland Heights, Ohio Covered Loan --------------------------------------------------------------------------------------------------------- Colorado Covered Loan --------------------------------------------------------------------------------------------------------- Connecticut High Cost Home Loan --------------------------------------------------------------------------------------------------------- District of Columbia Covered Loan --------------------------------------------------------------------------------------------------------- Florida High Cost Home Loan --------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - March 6, 2003) High Cost Home Loan --------------------------------------------------------------------------------------------------------- Georgia as amended (March 7, 2003 - current) High Cost Home Loan --------------------------------------------------------------------------------------------------------- HOEPA Section 32 High Cost Loan --------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan --------------------------------------------------------------------------------------------------------- Kansas High Loan-to-Value Consumer Loans and High APR Consumer Loans --------------------------------------------------------------------------------------------------------- Kentucky High Cost Home Loan --------------------------------------------------------------------------------------------------------- Los Angeles, Calif. High Cost Refinance Home Loan --------------------------------------------------------------------------------------------------------- Maine High Rate High Fee mortgage --------------------------------------------------------------------------------------------------------- Massachusetts High Cost Home Loan --------------------------------------------------------------------------------------------------------- Nevada Home Loan --------------------------------------------------------------------------------------------------------- New Jersey High Cost Home Loan --------------------------------------------------------------------------------------------------------- New York High Cost Home Loan --------------------------------------------------------------------------------------------------------- New Mexico High Cost Home Loan --------------------------------------------------------------------------------------------------------- North Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- Oakland, Calif. High Cost Home Loan --------------------------------------------------------------------------------------------------------- Ohio Covered Loan --------------------------------------------------------------------------------------------------------- Oklahoma Subsection 10 Mortgage --------------------------------------------------------------------------------------------------------- South Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- West Virginia West Virginia Mortgage Loan Act Loan -------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------------------------------------------------------------------- State/jurisdiction Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - March 6, 2003) Covered Loan --------------------------------------------------------------------------------------------------------- New Jersey Covered Home Loan ---------------------------------------------------------------------------------------------------------

Other (Describe. The undersigned acknowledges that the above Mortgage File will be held by the undersigned in accordance with the provisions of the Agreement and will promptly be returned to the Indenture Trustee when the need therefor by the Master Servicer no longer exists unless the Mortgage Loan has been liquidated or retransferred. Capitalized terms used herein shall have the meanings ascribed to them in the Agreement. COUNTRYWIDE HOME LOANS, INC. By:_______________________________ Name: Title: Servicing Officer EXHIBIT E STANDARD & POOR'S GLOSSARY Standard & Poor's Predatory Lending Categorization Standard & Poor's has categorized loans governed by anti-predatory lending laws in the jurisdictions listed below into three categories based on a combination of factors that include (a) 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 --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Category under applicable State/jurisdiction Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Arkansas High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Cleveland Heights, Ohio Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Colorado Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Connecticut High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- District of Columbia Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Florida High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - March 6, 2003) High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Georgia as amended (March 7, 2003 - current) High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- HOEPA Section 32 High Cost Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Illinois High Risk Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Kansas High Loan-to-Value Consumer Loans and High APR Consumer Loans --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Kentucky High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Los Angeles, Calif. High Cost Refinance Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Maine High Rate High Fee mortgage --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Massachusetts High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Nevada Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- New Jersey High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- New York High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- New Mexico High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- North Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Oakland, Calif. High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Ohio Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Oklahoma Subsection 10 Mortgage --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- South Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- West Virginia West Virginia Mortgage Loan Act Loan -------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Category under applicable State/jurisdiction Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - March 6, 2003) Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- New Jersey Covered Home Loan ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Other (Describe. The undersigned acknowledges that the above Mortgage File will be held by the undersigned in accordance with the provisions of the Agreement and will promptly be returned to the Indenture Trustee when the need therefor by the Master Servicer no longer exists unless the Mortgage Loan has been liquidated or retransferred. Capitalized terms used herein shall have the meanings ascribed to them in the Agreement. COUNTRYWIDE HOME LOANS, INC. By:_______________________________ Name: Title: Servicing Officer EXHIBIT E STANDARD & POOR'S GLOSSARY Standard & Poor's Predatory Lending Categorization Standard & Poor's has categorized loans governed by anti-predatory lending laws in the jurisdictions listed below into three categories based on upon a combination of factors that include (a) 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 Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Arkansas High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Cleveland Heights, Ohio Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Colorado Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Connecticut High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ District of Columbia Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Florida High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - March 6, 2003) High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Georgia as amended (March 7, 2003 - current) High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ HOEPA Section 32 High Cost Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Kansas High Loan-to-Value Consumer Loans and High APR Consumer Loans --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Kentucky High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Los Angeles, Calif. High Cost Refinance Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Maine High Rate High Fee mortgage --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Massachusetts High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Nevada Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ New Jersey High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ New York High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ New Mexico High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ North Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Oakland, Calif. High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Ohio Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Oklahoma Subsection 10 Mortgage --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ South Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ West Virginia West Virginia Mortgage Loan Act Loan -------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Standard & Poor's Covered Loan Categorization --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ State/jurisdiction Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - March 6, 2003) Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------ New Jersey Covered Home Loan ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Other (Describe. The undersigned acknowledges that the above Mortgage File will be held by the undersigned in accordance with the provisions of the Agreement and will promptly be returned to the Indenture Trustee when the need therefor by the Master Servicer no longer exists unless the Mortgage Loan has been liquidated or retransferred. Capitalized terms used herein shall have the meanings ascribed to them in the Agreement. COUNTRYWIDE HOME LOANS, INC. By:_______________________________ : ------------------------------- Name: Title: Servicing Officer EXHIBIT E STANDARD & POOR'S GLOSSARY Standard & Poor's Predatory Lending Categorization Standard & Poor's has categorized loans governed by anti-predatory lending laws in the jurisdictions listed below into three categories based on upon a combination of factors that include (a) 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 Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Arkansas High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Cleveland Heights, Ohio Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Colorado Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Connecticut High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- District of Columbia Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Florida High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - March 6, 2003) High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Georgia as amended (March 7, 2003 - current) High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- HOEPA Section 32 High Cost Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Kansas High Loan-to-Value Consumer Loans and High APR Consumer Loans --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Kentucky High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Los Angeles, Calif. High Cost Refinance Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Maine High Rate High Fee mortgage --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Massachusetts High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Nevada Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- New Jersey High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- New York High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- New Mexico High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- North Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Oakland, Calif. High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Ohio Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Oklahoma Subsection 10 Mortgage --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- South Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Mortgage Loan Act Loan -------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- State/jurisdiction Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - March 6, 2003) Covered Loan --------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- New Jersey Covered Home Loan ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Other (Describe. The undersigned acknowledges that the above Mortgage File will be held by the undersigned in accordance with the provisions of the Agreement and will promptly be returned to the Indenture Trustee when the need therefor by the Master Servicer no longer exists unless the Mortgage Loan has been liquidated or retransferred. Capitalized terms used herein shall have the meanings ascribed to them in the Agreement. COUNTRYWIDE HOME LOANS, INC. By:_______________________________ Name: Title: Servicing Officer EXHIBIT E STANDARD & POOR'S GLOSSARY Standard & Poor's Predatory Lending Categorization Standard & Poor's has categorized loans governed by anti-predatory lending laws in the jurisdictions listed below into three categories based on a combination of factors that include (a) 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 Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- Arkansas High Cost Home Loan --------------------------------------------------------------------------------------------------------- Cleveland Heights, Ohio Covered Loan --------------------------------------------------------------------------------------------------------- Colorado Covered Loan --------------------------------------------------------------------------------------------------------- Connecticut High Cost Home Loan --------------------------------------------------------------------------------------------------------- District of Columbia Covered Loan --------------------------------------------------------------------------------------------------------- Florida High Cost Home Loan --------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - March 6, 2003) High Cost Home Loan --------------------------------------------------------------------------------------------------------- Georgia as amended (March 7, 2003 - current) High Cost Home Loan --------------------------------------------------------------------------------------------------------- HOEPA Section 32 High Cost Loan --------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan --------------------------------------------------------------------------------------------------------- Kansas High Loan-to-Value Consumer Loans and High APR Consumer Loans --------------------------------------------------------------------------------------------------------- Kentucky High Cost Home Loan --------------------------------------------------------------------------------------------------------- Los Angeles, Calif. High Cost Refinance Home Loan --------------------------------------------------------------------------------------------------------- Maine High Rate High Fee mortgage --------------------------------------------------------------------------------------------------------- Massachusetts High Cost Home Loan --------------------------------------------------------------------------------------------------------- Nevada Home Loan --------------------------------------------------------------------------------------------------------- New Jersey High Cost Home Loan --------------------------------------------------------------------------------------------------------- New York High Cost Home Loan --------------------------------------------------------------------------------------------------------- New Mexico High Cost Home Loan --------------------------------------------------------------------------------------------------------- North Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- Oakland, Calif. High Cost Home Loan --------------------------------------------------------------------------------------------------------- Ohio Covered Loan --------------------------------------------------------------------------------------------------------- Oklahoma Subsection 10 Mortgage --------------------------------------------------------------------------------------------------------- South Carolina High Cost Home Loan --------------------------------------------------------------------------------------------------------- West Virginia West Virginia Mortgage Loan Act Loan -------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------------------------------------------------------------------- State/jurisdiction Category under applicable anti-predatory lending law --------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - March 6, 2003) Covered Loan --------------------------------------------------------------------------------------------------------- New Jersey Covered Home Loan ---------------------------------------------------------------------------------------------------------