Common use of The Lower Tier REMIC Clause in Contracts

The Lower Tier REMIC. The beneficial ownership interest of the Lower Tier REMIC shall be evidenced by the interests having the characteristics and terms as follows: Class Designation Companion Original Interest Final Distribution Date Classes Principal Balance Rate (Group 1) Lower Tier Interest 1 PA $5,180,000.00 5.0% January 2011 Lower Tier Interest 2 F/S/SA $86,679,000.00 9.0% May 2027 Lower Tier Interest 3 PB/PH $42,562,000.00 7.5% March 2018 Lower Tier Interest 4 PC/PH $41,341,000.00 7.5% March 2022 Lower Tier Interest 5 PD/PE/PG/PH $85,336,000.00 7.5% May 2027 Lower Tier Interest 6 E $6,231,000.00 (1) May 2027 Lower Tier Interest 7 FB/SB $25,596,000.00 9.0% May 2027 Lower Tier Interest 8 Z $7,075,000.00 8.0% May 2027 (Group 2) Lower Tier Interest 9 G/H/J/K/LL/ZA $200,000,000.00 7.5% April 2027 (Group 3) Lower Tier Interest 10 A/B/C $150,000,000.00 7.0% May 2027 (Group 4) Lower Tier Interest 11 D/FA $72,227,460.00 (2) May 2027 Class 28-RL (3) (3) May 2027

The Lower Tier REMIC. The beneficial ownership interest of the Lower Tier REMIC shall be evidenced by the interests having the characteristics and terms as follows: Class Designation Companion Classes Original Principal Balance Interest Rate Final Distribution Date Classes Principal Balance Rate (Group 1) Lower Tier Interest 1 PA J $5,180,000.00 5.025,000,000.00 7.50% January 2011 April 2027 Lower Tier Interest 2 FA/SB/SA $86,679,000.00 9.0BF/BG/BKB L/BP 78,075,000.00 7.00% May 2027 February 2025 Lower Tier Interest 3 PBF1/PH $42,562,000.00 7.5S/SC 19,085,000.00 9.00% March 2018 February 2025 Lower Tier Interest 4 PCF2/PH $41,341,000.00 7.5SA/SC 28,850,000.00 9.00% March 2022 February 2025 Lower Tier Interest 5 PDF3/PES/PG/PH $85,336,000.00 7.5SC 6,940,000.00 9.00% May 2027 February 2025 Lower Tier Interest 6 E $6,231,000.00 HA/HB 5,770,000.00 (1) May 2027 January 2023 Lower Tier Interest 7 FBC/SB $25,596,000.00 9.0G 5,160,000.00 7.50% May 2027 February 2002 Lower Tier Interest 8 Z $7,075,000.00 8.0D/E/G 19,370,000.00 7.50% May 2027 (Group 2) April 2012 Lower Tier Interest 9 G/H/J/K/LL/ZA $200,000,000.00 7.5Z 11,750,000.00 7.50% April 2027 (Group 3) Lower Tier Interest 10 A/B/C $150,000,000.00 7.0% May 2027 (Group 4) Lower Tier Interest 11 D/FA $72,227,460.00 Class 27-RL Certificate (2) May 2027 Class 28-RL (32) (3) May April 2027

The Lower Tier REMIC. The beneficial ownership interest of the Lower Tier REMIC shall be evidenced by the interests having the characteristics and terms as follows: Class Designation Companion Classes Original Principal Balance Interest Rate Final Distribution Date Classes Principal Balance Rate (Group 1) Lower Tier Interest 1 PA A/B/C/D/E $5,180,000.00 5.0300,000,000.00 7.000% January 2011 March 2027 Lower Tier Interest 2 G/H/F/S/SA $86,679,000.00 9.0J 132,000,000.00 8.000% May February 2027 Lower Tier Interest 3 PB/PH $42,562,000.00 7.5K 78,004,000.00 7.125% March 2018 May 2023 Lower Tier Interest 4 PCW/PH $41,341,000.00 7.5Y 76,410,000.00 7.000% March 2022 May 2023 Lower Tier Interest 5 PDL/PE/PG/PH $85,336,000.00 7.5M 44,971,000.00 9.000% May 2027 2023 Lower Tier Interest 6 E $6,231,000.00 (1) May N/TZ 70,792,000.00 7.500% March 2027 Lower Tier Interest 7 FBU/SB $25,596,000.00 9.0AC 6,127,000.00 7.500% May 2027 September 2012 Lower Tier Interest 8 Z $7,075,000.00 8.0V/AC 10,102,000.00 7.500% May 2027 (Group 2) Lower Tier Interest 9 GSeptember 0000 Xxxxx Xxxx Xxxxxxxx XX/H/J/K/LL/ZA $200,000,000.00 7.5XX 13,594,000.00 7.500% April 2027 (Group 3) Lower Tier Interest 10 A/B/C $150,000,000.00 7.0% May 2027 (Group 4) Lower Tier Interest 11 D/FA $72,227,460.00 (2) May 2027 September 2012 Class 2811-RL Certificate (31) (31) May March 2027

The Lower Tier REMIC. The beneficial ownership interest of the Lower Tier REMIC shall be evidenced by the interests having the characteristics and terms as follows: Class Designation Companion Classes Original Principal Balance Interest Rate Final Distribution Date Classes Principal Balance Rate (Group 1) Lower 1)Lower Tier Interest 1 PA $5,180,000.00 5.0% SA,SB,SC (1) (2) January 2011 Lower 2024 (Group 2)Lower Tier Interest 2 F/S/SA SE,E $86,679,000.00 9.0% May 2027 Lower 13,477,495.00 (3) January 2024 (Group 3)Lower Tier Interest 3 PB/PH $42,562,000.00 7.5% March 2018 Lower Tier Interest 4 PC/PH $41,341,000.00 7.5% March 2022 Lower Tier Interest 5 PD/PE/PG/PH $85,336,000.00 7.5% May 2027 Lower Tier Interest 6 E $6,231,000.00 F,SI 341,945.03 (14) May 2027 February 0000 Xxxxx Xxxx Xxxxxxxx 0 X,XX 170,972.52 (5) February 0000 Xxxxx Xxxx Xxxxxxxx 0 X,XX 170,972.52 (5) February 0000 Xxxxx Xxxx Xxxxxxxx 0 XX,XX,XX (6) (7) February 2024 Lower Tier Interest 7 FB/SB $25,596,000.00 9.0% May 2027 Lower F (1) (8) February 2024 (Group 4)Lower Tier Interest 8 Z $7,075,000.00 8.0J,K 52,075,000.00 7.00000% May 2027 September 2021 (Group 2) Lower 5)Lower Tier Interest 9 G/H/J/K/LL/ZA $200,000,000.00 7.5% April 2027 SL,SM (1) (9) February 2024 (Group 3) Lower 6)Lower Tier Interest 10 A/B/C $150,000,000.00 7.0% May 2027 N,SN 10,551,530.00 (10) June 2023 (Group 4) Lower 7)Lower Tier Interest 11 D/FA $72,227,460.00 (2) May 2027 O,OZ 18,868,750.00 6.75000% April 2021 Class 2845-RL Certificate (311) (311) May 2027February 2024

The Lower Tier REMIC. The beneficial ownership interest of the Lower Tier REMIC shall be evidenced by the interests having the characteristics and terms as follows: Class Designation Companion Original Interest Rate Final Distribution Date Classes Principal Balance Rate (Group 1) Date Lower Tier Interest 1 PA A/F/S/Z PD $5,180,000.00 5.079,115,000.00 7.00000% January 2011 March 2027 Lower Tier Interest 2 FPG/SPB/SA PC PJ $86,679,000.00 9.095,885,000.00 7.00000% May April 2026 Lower Tier Interest 3 PA/PJ $25,000,000.00 7.00000% April 2026 Lower Tier Interest 4 G/GA/GB GC/H/HA/VA VB/ZB $200,000,000.00 7.00000% March 2027 Lower Tier Interest 3 PB5 PE/PH ZA $42,562,000.00 7.5112,696,838.00 8.00000% March 2018 Lower Tier Interest 4 PC/PH $41,341,000.00 7.5% March 2022 Lower Tier Interest 5 PD/PE/PG/PH $85,336,000.00 7.5% May 2027 Lower Tier Interest 6 E FA/SA/B $6,231,000.00 (1) May 93,178,159.00 8.00000% March 2027 Lower Tier Interest 7 FBFC/SB SC/C $25,596,000.00 9.019,125,003.00 8.00000% May March 2027 Lower Tier Interest 8 Z J/SJ $7,075,000.00 8.0% May 2027 8,090,264.00 (Group 21) March 2023 Lower Tier Interest 9 GD/H/J/K/LL/ZA SD $200,000,000.00 7.5% April 2027 11,779,721.00 (Group 31) February 2023 Lower Tier Interest 10 AM/B/C SM $150,000,000.00 7.0% May 2027 10,987,659.00 (Group 41) Lower Tier Interest 11 D/FA $72,227,460.00 February 2023 Class 16-RL Certificate (2) May 2027 Class 28-RL (32) (3) May March 2027