Common use of Table 3b Clause in Contracts

Table 3b. Weighted Average Life of Hedge in Years ---------------- 1 0.60% 2 1.20% 3 1.70% 4 2.30% 5 2.80% 6 3.30% 7 3.80% 8 4.30% 9 4.80% 10 5.30% 11 5.60% 12 6.00% 13 6.40% 14 6.80% 15 7.20% 16 7.60% 17 7.90% 18 8.30% 19 8.60% 20 9.00% 21 9.00% 22 9.00% 23 9.00% 24 9.00% 25 9.00% 26 9.00% 27 9.00% 28 9.00% 29 9.00% 30 9.00% TABLE 4

Appears in 2 contracts

Samples: Pooling and Servicing Agreement (Morgan Stanley ABS Capital I Inc. Trust 2007-He5), Pooling and Servicing Agreement (Morgan Stanley ABS Capital I Inc. Trust 2007-Nc3)

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Table 3b. Weighted Average Life of Hedge in Years ---------------- ------------- 1 0.60% 2 1.20% 3 1.70% 4 2.30% 5 2.80% 6 3.30% 7 3.80% 8 4.30% 9 4.80% 10 5.30% 11 5.60% 12 6.00% 13 6.40% 14 6.80% 15 7.20% 16 7.60% 17 7.90% 18 8.30% 19 8.60% 20 9.00% 21 9.00% 22 9.00% 23 9.00% 24 9.00% 25 9.00% 26 9.00% 27 9.00% 28 9.00% 29 9.00% 30 9.00% TABLE 4

Appears in 2 contracts

Samples: Pooling and Servicing Agreement (Morgan Stanley ABS Capital I Inc. Trust 2007-He1), Pooling and Servicing Agreement (Morgan Stanley ABS Capital I Inc. Trust 2007-He4)

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