Common use of Residential Funding Corporation Clause in Contracts

Residential Funding Corporation. By: --------------------------------- Name: Title: RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. By: --------------------------------- Name: Title: EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b REVISED REVISED February 07, 2005 APPENDIX E - Standard & Poor's Anti-Predatory Lending Categorxxxxxxx Xxxxxxrd & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq.

Residential Funding Corporation. By: --------------------------------- /s/Pieter VanZyl ------------------------------------------ Name: Pieter VanZyl Title: Associate RESIDENTIAL ASSET MORTGAGE PRODUCTSACCREDIT LOANS, INC. By: --------------------------------- /s/Heather Anderson ------------------------------------------ Name: Heather Anderson Title: Vice President EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b REVISED REVISED February 07July 11, 2005 APPENDIX E - STANDARD & POOR'X XXXXXXXXX XXXDING CATEGORIES Standard & Poor's Anti-Predatory Lending Categorxxxxxxx Xxxxxxrd & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq.

Residential Funding Corporation. By: --------------------------------- /s/ Tim Jacobson ----------------------------- Name: Tim Jacobson Title: Associate RESIDENTIAL ASSET MORTGAGE PRODUCTSACCREDIT LOANS, INC. By: --------------------------------- /s/ Heather Anderson ----------------------------- Name: Heather Anderson Title: Vice President EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b REVISED REVISED February 07July 11, 2005 APPENDIX E - STANDXXX & XXXX'X XXXDATORY LENDING CATEGORIES Standard & Poor's Anti-Predatory Lending Categorxxxxxxx Xxxxxxrd & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seqxxq.

Residential Funding Corporation. By: --------------------------------- ------------------------------------------ Name: Title: RESIDENTIAL ASSET MORTGAGE PRODUCTSACCREDIT LOANS, INC. By: --------------------------------- ------------------------------------------ Name: Title: EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b REVISED REVISED February 07July 11, 2005 APPENDIX E - STANDXXX & XXXX'X XXXDATORY LENDING CATEGORIES Standard & Poor's Anti-Predatory Lending Categorxxxxxxx Xxxxxxrd & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seqxxq.

Residential Funding Corporation. By: --------------------------------- Name: Title: RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. By: --------------------------------- -------------------------------- Name: Title: EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b REVISED REVISED February 07July 11, 2005 APPENDIX E - Standard STANDARD & Poor's Anti-Predatory Lending Categorxxxxxxx Xxxxxxrd POOR'S PREDATORY LENDING CATEGORIXX Xxxxxxxx & PoorXoor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq.

Residential Funding Corporation. By: --------------------------------- /s/Pieter VanZyl --------------------------------------- Name: Pieter VanZyl Title: Axxxxxxxx RESIDENTIAL ASSET MORTGAGE PRODUCTSACCREDIT LOANS, INC. By: --------------------------------- /s/Heather Anderson --------------------------------------- Name: Heather Anderson Title: Xxxx Xxxxxxxxt EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b REVISED REVISED February 07July 11, 2005 APPENDIX E - Standard STANDARD & Poor's Anti-Predatory Lending Categorxxxxxxx Xxxxxxrd POOR'S PREDATORY LENDING CATEGORIXX Xxxxxxxx & PoorXoor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq.

Residential Funding Corporation. By: --------------------------------- Name: Title: RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. By: --------------------------------- Name: Title: EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b 5.6 REVISED REVISED February 07October 18, 2005 2004 APPENDIX E - Standard & Poor's AntiPoxx'x Xxxx-Predatory Xxxxxxxry Lending Categorxxxxxxx Xxxxxxrd Categorization Standard & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq.. Effective July 16, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------

Residential Funding Corporation. By: --------------------------------- -------------------------------- Name: Title: RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. By: --------------------------------- -------------------------------- Name: Title: EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b REVISED REVISED February 07July 11, 2005 APPENDIX E - Standard STANDARD & Poor's Anti-Predatory Lending Categorxxxxxxx Xxxxxxrd POOR'S PREDATORY LENDING CATEGORIES Xxxxxxxx & PoorXxxx's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq.

Residential Funding Corporation. By: --------------------------------- ------------------------------------ Name: Title: RESIDENTIAL ASSET MORTGAGE PRODUCTSACCREDIT LOANS, INC. By: --------------------------------- ------------------------------------ Name: Title: EXHIBIT A APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b 5.6B REVISED REVISED February 07July 11, 2005 APPENDIX E - Standard STANDARD & Poor's Anti-Predatory Lending Categorxxxxxxx Xxxxxxrd POOR'S PREDATORY LENDING CATEGORIES Xxxxxxxx & PoorXxxx's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (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 Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq.