Common use of TOP Clause in Contracts

TOP. CONFORMING BALANCE 2000 LIMITS ------------------------------------------------------------------------------------------------- % OF WTD NUMBER TOTAL TOTAL AVG WTD WTD AVG OF CURRENT CURRENT CURRENT AVG AVG MAX CONFORMING BALANCE LOANS BALANCE BALANCE BALANCE COUPON MARGIN RATE 2000 LIMITS ------------------------------------------------------------------------------------------------- ARMS: Non-Conforming 280 47,245,991.8732 100 168,736 10.251 6.176 16.25 Balance ------------------------------------------------------------------------------------------------- TOTAL: 280 47,245,991.87 100 168,736 10.251 6.176 16.25 ------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- WTD WTD AVG AVG WTD WTD COMB COMB AVG WTD AVG WTD WTD ORIG ORIG MOS AVG STATED WTD AVG AVG LTV LTV TO ORIG REMAIN AVG ORIG CURR EXCLUDES INCLUDES CONFORMING BALANCE ROLL TERM TERM AGE LTV LTV JR LIENS JR LIENS 2000 LIMITS ----------------------------------------------------------------------------------------------- ARMS: Non-Conforming 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 Balance ----------------------------------------------------------------------------------------------- TOTAL: 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 -----------------------------------------------------------------------------------------------

TOP. CONFORMING BALANCE 2000 LIMITS ------------------------------------------------------------------------------------------------- LIEN POSITION (CDLIEN) % OF WTD NUMBER TOTAL TOTAL AVG WTD WTD AVG LIEN OF CURRENT CURRENT CURRENT AVG AVG MAX CONFORMING BALANCE POSITION (CDLIEN) LOANS BALANCE BALANCE BALANCE COUPON MARGIN RATE 2000 LIMITS ------------------------------------------------------------------------------------------------- ARMS: Non-Conforming 280 47,245,991.8732 100 168,736 10.251 6.176 16.25 Balance ------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 1st Lien 1,409 109,010,966.51 99.39 77,368 10.879 0 0 ------------------------------------------------------------------------------------------------------------- 2nd Lien 22 668,811.65 0.61 30,401 13.101 0 0 ------------------------------------------------------------------------------------------------------------- TOTAL: 280 47,245,991.87 1,431 109,679,778.16 100 168,736 10.251 6.176 16.25 ------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- 76,646 10.893 0 0 ------------------------------------------------------------------------------------------------------------- WTD WTD AVG AVG WTD WTD COMB COMB AVG WTD AVG WTD WTD ORIG ORIG MOS AVG STATED WTD AVG AVG LTV LTV LIEN TO ORIG REMAIN AVG ORIG CURR EXCLUDES INCLUDES CONFORMING BALANCE POSITION (CDLIEN) ROLL TERM TERM AGE LTV LTV JR LIENS JR LIENS 2000 LIMITS ----------------------------------------------------------------------------------------------- ARMS: Non-Conforming 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 Balance ----------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------- 1st Lien 0 334.2 333.7 0.5 73.1 73.1 73.26 73.28 -------------------------------------------------------------------------------------------------- 2nd Lien 0 206.7 190.6 16 22.1 21.3 81.86 82.83 -------------------------------------------------------------------------------------------------- TOTAL: 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 -----------------------------------------------------------------------------------------------0 333.4 332.9 0.6 72.8 72.8 73.31 73.34 -------------------------------------------------------------------------------------------------- TOP --------------------------------------------------------------------------------

TOP. CONFORMING BALANCE 2000 LIMITS ------------------------------------------------------------------------------------------------- PERIODIC CAP (%) % OF WTD NUMBER TOTAL TOTAL AVG WTD WTD AVG OF CURRENT CURRENT CURRENT AVG AVG MAX CONFORMING BALANCE PERIODIC CAP (%) LOANS BALANCE BALANCE BALANCE COUPON MARGIN RATE 2000 LIMITS ------------------------------------------------------------------------------------------------- ARMS: Non-Conforming 280 47,245,991.8732 100 168,736 10.251 6.176 16.25 Balance ------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- 1.000 2,082 218,103,597.15 99.81 104,757 10.635 6.232 --------------------------------------------------------------------------------------------------------- 1.500 3 414,706.72 0.19 138,236 10.373 6.409 --------------------------------------------------------------------------------------------------------- TOTAL: 280 47,245,991.87 2,085 218,518,303.87 100 168,736 10.251 6.176 16.25 ------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- 104,805 10.634 6.232 --------------------------------------------------------------------------------------------------------- WTD WTD AVG AVG WTD WTD COMB COMB WTD AVG WTD AVG WTD WTD ORIG ORIG AVG MOS AVG STATED WTD AVG AVG LTV LTV MAX TO ORIG REMAIN AVG ORIG CURR EXCLUDES INCLUDES CONFORMING BALANCE PERIODIC CAP (%) RATE ROLL TERM TERM AGE LTV LTV JR LIENS JR LIENS 2000 LIMITS ----------------------------------------------------------------------------------------------- ARMS: Non-Conforming 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 Balance ----------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------- 1.000 6.64 31 358.6 357.8 0.8 78.6 78.5 78.62 79.09 ---------------------------------------------------------------------------------------------------------------- 1.500 7.16 20 360 355.9 4.1 84.4 84.3 84.41 85.74 ---------------------------------------------------------------------------------------------------------------- TOTAL: 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 -----------------------------------------------------------------------------------------------6.64 31 358.7 357.8 0.8 78.6 78.5 78.63 79.1 ----------------------------------------------------------------------------------------------------------------

TOP. CONFORMING BALANCE 2000 LIMITS ------------------------------------------------------------------------------------------------- ADJUSTMENT TYPE (CDADJTYPE) % OF WTD NUMBER TOTAL TOTAL AVG WTD WTD AVG OF CURRENT CURRENT CURRENT AVG AVG MAX CONFORMING BALANCE ADJUSTMENT TYPE (CDADJTYPE) LOANS BALANCE BALANCE BALANCE COUPON MARGIN RATE 2000 LIMITS ------------------------------------------------------------------------------------------------- ARMS: Non-Conforming 280 47,245,991.8732 ------------------------------------------------------------------------------------------------------------ Fixed Rate 1,431 109,679,778.16 100 168,736 10.251 6.176 16.25 Balance ------------------------------------------------------------------------------------------------- 76,646 10.893 0 0 ------------------------------------------------------------------------------------------------------------ TOTAL: 280 47,245,991.87 1,431 109,679,778.16 100 168,736 10.251 6.176 16.25 ------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- 76,646 10.893 0 0 ------------------------------------------------------------------------------------------------------------ WTD WTD AVG AVG WTD WTD COMB COMB AVG WTD AVG WTD WTD ORIG ORIG MOS AVG STATED WTD AVG AVG LTV LTV TO ORIG REMAIN AVG ORIG CURR EXCLUDES INCLUDES CONFORMING BALANCE ADJUSTMENT TYPE (CDADJTYPE) ROLL TERM TERM AGE LTV LTV JR LIENS JR LIENS 2000 LIMITS ----------------------------------------------------------------------------------------------- ARMS: Non-Conforming 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 Balance ----------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------- Fixed Rate 0 333.4 332.9 0.6 72.8 72.8 73.31 73.34 -------------------------------------------------------------------------------------------------- TOTAL: 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 -----------------------------------------------------------------------------------------------0 333.4 332.9 0.6 72.8 72.8 73.31 73.34 -------------------------------------------------------------------------------------------------- TOP --------------------------------------------------------------------------------

TOP. CONFORMING BALANCE 2000 LIMITS ------------------------------------------------------------------------------------------------- % OF WTD CURRENT MORTGAGE RATES (%) (RTCURR) -------------------------------------------------------------------------------- NUMBER TOTAL TOTAL AVG WTD WTD AVG CURRENT MORTGAGE OF CURRENT CURRENT CURRENT AVG AVG MAX CONFORMING BALANCE RATES (%)(RTCURR) LOANS BALANCE BALANCE BALANCE COUPON MARGIN RATE 2000 LIMITS ------------------------------------------------------------------------------------------------- ARMS: Non-Conforming 280 47,245,991.8732 100 168,736 10.251 6.176 16.25 Balance ------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 7.001 - 8.000 2 227,895.31 0.21 113,948 7.882 -------------------------------------------------------------------------------- 8.001 - 9.000 77 9,093,641.77 8.29 118,099 8.715 -------------------------------------------------------------------------------- 9.001 - 10.000 291 29,200,875.39 26.62 100,347 9.686 -------------------------------------------------------------------------------- 10.001 - 11.000 392 28,940,910.10 26.39 73,829 10.643 -------------------------------------------------------------------------------- 11.001 - 12.000 282 19,803,936.83 18.06 70,227 11.596 -------------------------------------------------------------------------------- 12.001 - 13.000 206 13,528,267.16 12.33 65,671 12.532 -------------------------------------------------------------------------------- 13.001 - 14.000 116 5,616,367.41 5.12 48,417 13.547 -------------------------------------------------------------------------------- 14.001 - 15.000 54 2,862,039.70 2.61 53,001 14.412 -------------------------------------------------------------------------------- 15.001 >= 11 405,844.49 0.37 36,895 15.541 -------------------------------------------------------------------------------- TOTAL: 280 47,245,991.87 1,431 109,679,778.16 100 168,736 10.251 6.176 16.25 ------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- 76,646 10.893 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- WTD WTD AVG AVG WTD WTD COMB COMB WTD AVG WTD AVG WTD WTD ORIG ORIG WTD AVG MOS AVG STATED WTD AVG AVG LTV LTV CURRENT MORTGAGE AVG MAX TO ORIG REMAIN AVG ORIG CURR EXCLUDES INCLUDES CONFORMING BALANCE RATES (%)(RTCURR) MARGIN RATE ROLL TERM TERM AGE LTV LTV JR LIENS JR LIENS 2000 LIMITS ----------------------------------------------------------------------------------------------- ARMS: Non-Conforming 29 357.7 356.8 0.9 ----------------------------------------------------------------------------------------------------- 7.001 - 8.000 0 0 0 360 359.3 0.7 66.5 66.4 66.47 66.47 ----------------------------------------------------------------------------------------------------- 8.001 - 9.000 0 0 0 334 333.4 0.6 71.3 71.2 71.44 71.57 ----------------------------------------------------------------------------------------------------- 9.001 - 10.000 0 0 0 333.4 332.8 0.5 72.9 72.9 73.08 72.95 ----------------------------------------------------------------------------------------------------- 10.001 - 11.000 0 0 0 335.4 334.7 0.6 74.4 74.4 74.42 74.51 Balance ----------------------------------------------------------------------------------------------- 74.3 74.59 74.53 ----------------------------------------------------------------------------------------------------- 11.001 - 12.000 0 0 0 332.8 332.4 0.4 75.4 75.4 75.71 75.75 ----------------------------------------------------------------------------------------------------- 12.001 - 13.000 0 0 0 329.6 329.1 0.5 71.8 71.7 72.52 72.63 ----------------------------------------------------------------------------------------------------- 13.001 - 14.000 0 0 0 331.5 331 0.5 67.6 67.4 69.88 70.49 ----------------------------------------------------------------------------------------------------- 14.001 - 15.000 0 0 0 339 338.3 0.7 63 63 64.69 65.18 ----------------------------------------------------------------------------------------------------- 15.001 >= 0 0 0 313.6 310.6 3 46.2 45.8 62.48 62.83 ----------------------------------------------------------------------------------------------------- TOTAL: 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 -----------------------------------------------------------------------------------------------0 0 0 333.4 332.9 0.6 72.8 72.8 73.31 73.34 -----------------------------------------------------------------------------------------------------

TOP. CONFORMING BALANCE 2000 LIMITS ------------------------------------------------------------------------------------------------- CURRENT LOAN-TO-VALUE RATIO (%) (LTVCURR) ------------------------------------------------------------------------------------------------------ % OF WTD NUMBER TOTAL TOTAL AVG WTD WTD AVG CURRENT OF CURRENT CURRENT CURRENT AVG AVG MAX CONFORMING BALANCE LOAN-TO-VALUE RATIO (%) LOANS BALANCE BALANCE BALANCE COUPON MARGIN RATE 2000 LIMITS ------------------------------------------------------------------------------------------------- ARMS: Non-Conforming 280 47,245,991.8732 100 168,736 10.251 6.176 16.25 Balance ------------------------------------------------------------------------------------------------- TOTAL: 280 47,245,991.87 100 168,736 10.251 6.176 16.25 ------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- (LTVCURR) ------------------------------------------------------------------------ < = 50.00 174 7,750,915.64 7.07 44,545 11.302 0 ------------------------------------------------------------------------------------------------------ 50.01 - 60.00 124 7,759,186.89 7.07 62,574 10.947 0 ------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------- WTD WTD AVG AVG WTD WTD COMB COMB WTD AVG WTD AVG WTD WTD ORIG ORIG AVG MOS AVG STATED WTD AVG AVG LTV LTV CURRENT MAX TO ORIG REMAIN AVG ORIG CURR EXCLUDES INCLUDES CONFORMING BALANCE LOAN-TO-VALUE RATIO (%) RATE ROLL TERM TERM AGE LTV LTV JR LIENS JR LIENS 2000 LIMITS ----------------------------------------------------------------------------------------------- ARMS: Non(LTVCURR) ------------------------------------------------------------------------- < = 50.00 0 0 295.9 294 1.8 36.6 36.3 42.05 41.88 ------------------------------------------------------------------------------------------------------- 50.01 - 60.00 0 0 317.3 316.8 0.6 56.5 56.4 56.75 56.6 ------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ % OF NUMBER TOTAL TOTAL AVG WTD WTD CURRENT OF CURRENT CURRENT CURRENT AVG AVG LOAN-Conforming 29 357.7 356.8 0.9 74.4 74.4 74.42 74.51 Balance ----------------------------------------------------------------------------------------------- TO-VALUE RATIO (%) LOANS BALANCE BALANCE BALANCE COUPON MARGIN (LTVCURR) ------------------------------------------------------------------------------------------------------ 60.01 - 70.00 291 21,570,709.07 19.67 74,126 11.248 0 ------------------------------------------------------------------------------------------------------ 70.01 - 75.00 234 17,888,468.88 16.31 76,446 10.796 0 ------------------------------------------------------------------------------------------------------ 75.01 - 80.00 420 37,703,782.14 34.38 89,771 10.568 0 ------------------------------------------------------------------------------------------------------ 80.01 - 85.00 97 8,810,818.21 8.03 90,833 10.799 0 ------------------------------------------------------------------------------------------------------ 85.01 - 90.00 71 6,476,445.66 5.9 91,218 11.228 0 ------------------------------------------------------------------------------------------------------ 90.01 - 95.00 15 1,025,430.55 0.93 68,362 11.797 0 ------------------------------------------------------------------------------------------------------ 95.01 - 100.00 5 694,021.12 0.63 138,804 11.554 0 ------------------------------------------------------------------------------------------------------ TOTAL: 29 357.7 356.8 1,431 109,679,778.16 100 76,646 10.893 0 ------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------- WTD WTD AVG AVG WTD WTD COMB COMB WTD AVG WTD AVG WTD WTD ORIG ORIG AVG MOS AVG STATED WTD AVG AVG LTV LTV CURRENT MAX TO ORIG REMAIN AVG ORIG CURR EXCLUDES INCLUDES LOAN-TO-VALUE RATIO (%) RATE ROLL TERM TERM AGE LTV LTV JR LIENS JR LIENS (LTVCURR) ------------------------------------------------------------------------- 60.01 - 70.00 0 0 335.7 335.2 0.4 67.1 67.1 67.29 67.15 ------------------------------------------------------------------------------------------------------- 70.01 - 75.00 0 0 330.5 330.2 0.4 74.3 74.3 74.38 74.59 ------------------------------------------------------------------------------------------------------- 75.01 - 80.00 0 0 336.6 336.2 0.5 79.5 79.5 79.62 79.75 ------------------------------------------------------------------------------------------------------- 80.01 - 85.00 0 0 349 348.6 0.4 84.3 84.3 84.44 84.31 ------------------------------------------------------------------------------------------------------- 85.01 - 90.00 0 0 351.1 350.4 0.6 89.8 89.8 89.86 90 ------------------------------------------------------------------------------------------------------- 90.01 - 95.00 0 0 360 359.5 0.5 95 95 94.99 94.98 ------------------------------------------------------------------------------------------------------- 95.01 - 100.00 0 0 360 359.1 0.9 74.4 74.4 74.42 74.51 -----------------------------------------------------------------------------------------------97.5 97.5 97.5 97.5 ------------------------------------------------------------------------------------------------------- TOTAL: 0 0 333.4 332.9 0.6 72.8 72.8 73.31 73.34 -------------------------------------------------------------------------------------------------------