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 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: --------------------------------- /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 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 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.

Residential Funding Corporation. By: --------------------------------- ------------------------------ Name: Title: RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. By: --------------------------------- ------------------------------ Name: Title: SCHEDULE A Schedule of Mortgage Loans with Defective Mortgage Files (see attached) EXHIBIT A APPENDIX E OF THE 1 REVISED JULY 11, 0000 XXXXXXXX X - STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R) VERSION 5.6b REVISED REVISED February 07, 2005 APPENDIX E - PREDATORY 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 State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- -------------------------------------------------------------------------------------------------------- Arkansas Arkansas Home Loan Protection Act, Ark. High Cost Home Loan Ark. Code AnnXxx. ss.ssSections 00-00-000 et seq. 23Effective July 16, 2003 -------------------------------------------------------------------------------------------------------- Cleveland Heights, OH Ordinance No. 72-532003 (PSH), Mun. Code Covered Loan Sections 757.01 et seq. Effective June 2, 2003 -------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. Covered Loan Xxx. Sections 5-3.5-101 et seq. Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002 -------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending High Cost Home Loan Practices Act, Conn. Gen. Stat. Sections 36a-746 et seq. Effective October 1, 2001 -------------------------------------------------------------------------------------------------------- District of Columbia Home Loan Protection Act, D.C. Code Covered Loan Sections 26-1151.01 et seq. Effective for loans closed on or after January 28, 2003 -------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Xxx. High Cost Home Loan Sections 494.0078 et seq. Effective October 2, 2002 -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Xxx. High Cost Home Loan Mar. 6, 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. Georgia Fair Lending Act, Ga. Code Xxx. High Cost Home Loan 7, 2003 - current) Sections 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 -------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan of 1994, 15 U.S.C. Section 1639, 12 C.F.R. Sections 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 -------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. Stat. High Risk Home Loan tit. 815, Sections 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) -------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Xxx. High Loan to Value Consumer Sections 16a-1-101 et seq. Loan (id. Section 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section High APR Consumer Loan 16a-3-308a became effective July 1, 1999 (id. Section 16a-3-308a) -------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan High Cost Home Loan Act, Ky. Rev. Stat. Sections 360.100 et seq. Effective June 24, 2003 -------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee Mortgage 9-A, Sections 8-101 et seq. Effective September 29, 1995 and as amended from time to time -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law -------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, High Cost Home Loan 209 C.M.R. Sections 32.00 et seq. and 209 C.M.R. Sections 40.01 et seq. Effective March 22, 2001 and amended from time to time -------------------------------------------------------------------------------------------------------- Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. Home Loan Sections 598D.010 et seq. Effective October 1, 2003 -------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat. Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 -------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. High Cost Home Loan Sections 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 -------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 -------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost High Cost Home Loan Home Loans, N.C. Gen. Stat. Sections 24-1.1E 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 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.