Common use of TOP Clause in Contracts

TOP. 9. Range of Original Combined LTV Ratios (%) --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- % of Mortgage Pool by Aggregate Aggregate Sample Pool Sample Pool Avg. Sample Pool Weighted Number of Calculation Date Calculation Date Calculation Date Average Gross Weighted Average Weighted Average Weighted Average Weighted Average Range of Original Combined LTV Ratios (%) Mortgage Loans Principal Balance ($) Principal Balance Principal Balance ($) Interest Rate (%) Original LTV (%) Original Combined LTV (%) FICO Score Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- less than or equal to 30.00 23 2,655,071 0.17 115,438 8.238 23.92 23.92 599 34.67 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 13 1,847,360 0.12 142,105 7.637 33.21 33.21 637 35.02 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 23 4,354,476 0.29 189,325 7.052 37.04 37.36 657 41.46 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 33 6,354,161 0.42 192,550 7.754 42.93 42.93 612 36.41 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 49 10,126,126 0.66 206,656 7.693 48.04 48.04 629 40.35 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 55 11,762,496 0.77 213,864 7.331 52.86 53.03 633 39.7 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 - 60.00 104 22,580,323 1.48 217,118 7.455 57.98 58.01 619 40.3 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 60.01 - 65.00 138 30,871,834 2.02 223,709 7.562 63 63 612 40.73 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 65.01 - 70.00 265 65,265,732 4.28 246,286 7.862 68.47 68.54 611 40.97 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 70.01 - 75.00 342 84,564,949 5.55 247,266 7.964 73.56 73.69 604 40.92 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 75.01 - 80.00 736 181,598,736 11.91 246,737 7.997 79.27 79.27 614 41.24 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 80.01 - 85.00 556 135,428,798 8.88 243,577 8.195 84.16 84.19 613 41.08 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 85.01 - 90.00 639 149,912,692 9.83 234,605 8.509 88.64 89.59 628 42.13 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 90.01 - 95.00 440 98,170,762 6.44 223,115 8.678 90.18 94.82 627 42.22 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 95.01 - 100.00 3,885 719,141,063 47.17 185,107 8.317 82.54 99.97 651 43.2 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Total: 7,301 1,524,634,579 100 208,825 8.224 80.61 89.24 633 42.19 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Weighted Average Original Combined LTV (%): 89.24 Minimum Original Combined LTV (%): 5.53 Maximum Original Combined LTV (%): 100.00 Standard Deviation Original Combined LTV (%): 13.68

TOP. 9. Range of Original Combined LTV Ratios (%) --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- % of Mortgage Pool by Aggregate Aggregate Sample Pool Sample Pool Avg. Sample Pool Weighted Number of Calculation Date Calculation Date Calculation Date Average Gross Weighted Average Weighted Average Weighted Average Weighted Average Range of Original Combined LTV Ratios (%) Mortgage Loans Principal Balance ($) Principal Balance Principal Balance ($) Interest Rate (%) Original LTV (%) Original Combined LTV (%) FICO Score Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- less than or equal to 30.00 23 2,655,071 0.17 115,438 8.238 23.92 23.92 599 34.67 8 743,500 0.07 92,937 8.65 23.3 23.3 578 35.04 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 13 1,847,360 0.12 142,105 7.637 33.21 33.21 637 35.02 6 862,726 0.08 143,788 7.536 32.64 32.64 634 28.17 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 23 4,354,476 0.29 189,325 7.052 37.04 37.36 657 41.46 12 2,698,417 0.26 224,868 6.72 36.56 37.08 681 41.55 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 33 6,354,161 0.42 192,550 7.754 42.93 42.93 612 36.41 9 2,069,300 0.2 229,922 7.169 43.89 43.89 647 34.38 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 49 10,126,126 0.66 206,656 7.693 48.04 48.04 629 40.35 22 4,792,714 0.45 217,851 7.72 48.21 48.21 633 39.3 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 55 11,762,496 0.77 213,864 7.331 52.86 53.03 633 39.7 22 6,332,992 0.6 287,863 7.029 53.05 53.05 654 40.92 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 - 60.00 104 22,580,323 1.48 217,118 7.455 57.98 58.01 41 10,043,965 0.95 244,975 7.43 57.92 57.99 619 40.3 37.33 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 60.01 - 65.00 138 30,871,834 2.02 223,709 7.562 63 63 612 40.73 14,902,385 1.41 236,546 7.377 63.02 63.02 629 40.34 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 65.01 - 70.00 265 65,265,732 4.28 246,286 7.862 68.47 68.54 611 40.97 121 35,154,703 3.34 290,535 7.579 68.31 68.45 629 40.1 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 70.01 - 75.00 342 84,564,949 5.55 247,266 7.964 73.56 73.69 604 40.92 149 44,617,251 4.23 299,445 7.759 73.24 73.5 618 40.72 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 75.01 - 80.00 736 181,598,736 11.91 246,737 7.997 79.27 79.27 614 41.24 348 97,510,658 9.25 280,203 7.858 79.33 79.33 626 40.49 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 80.01 - 85.00 556 135,428,798 8.88 243,577 8.195 84.16 84.19 613 41.08 292 81,095,217 7.7 277,723 8.059 84.06 84.11 617 40.38 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 85.01 - 90.00 639 149,912,692 9.83 234,605 8.509 88.64 89.59 628 42.13 441 110,211,522 10.46 249,913 8.592 88.63 89.63 630 41.63 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 90.01 - 95.00 440 98,170,762 6.44 223,115 8.678 90.18 94.82 268 65,652,484 6.23 244,972 8.725 90.38 94.8 627 42.22 41.61 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 95.01 - 100.00 3,885 719,141,063 47.17 185,107 8.317 82.54 2,802 576,948,222 54.76 205,906 8.328 82.65 99.97 651 43.2 653 42.84 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Total: 7,301 1,524,634,579 4,604 1,053,636,056 100 208,825 8.224 80.61 89.24 633 42.19 228,852 8.228 81.56 91.44 640 41.9 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Weighted Average Original Combined LTV (%): 89.24 91.44 Minimum Original Combined LTV (%): 5.53 8.50 Maximum Original Combined LTV (%): 100.00 Standard Deviation Original Combined LTV (%): 13.6812.03

TOP. 910. Range of Original Combined LTV Ratios (%) Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- % of Mortgage Pool by Aggregate Aggregate Sample Pool Sample Pool Avg. Sample Pool Weighted Number of Calculation Date Calculation Date Calculation Date Average Gross Weighted Average Weighted Average Weighted Average Weighted Average Range of Original Combined LTV Ratios (%) Debt Ratio Mortgage Loans Principal Balance ($) Principal Balance Principal Balance ($) Interest Rate (%) Original LTV (%) Original Combined LTV (%) FICO Score Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- less 0.01 - 30.00 728 133,194,452 8.74 182,959 8.082 78.88 84.09 636 23.78 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 689 127,192,868 8.34 184,605 8.214 78.99 85.34 633 32.78 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 1,139 228,381,485 14.98 200,511 8.25 80.88 88.92 634 37.72 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 1,794 382,421,012 25.08 213,167 8.187 80.67 90.56 640 42.72 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 2,277 497,382,549 32.62 218,438 8.341 81.38 91.3 631 47.84 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 625 143,897,170 9.44 230,235 8.068 80.37 87.36 620 52.54 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 greater than or equal to 30.00 23 2,655,071 0.17 115,438 8.238 23.92 23.92 599 34.67 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 13 1,847,360 0.12 142,105 7.637 33.21 33.21 637 35.02 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 23 4,354,476 0.29 189,325 7.052 37.04 37.36 657 41.46 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 33 6,354,161 0.42 192,550 7.754 42.93 42.93 612 36.41 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 49 10,126,126 0.66 206,656 7.693 48.04 48.04 629 40.35 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 55 11,762,496 0.77 213,864 7.331 52.86 53.03 633 39.7 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 - 60.00 104 22,580,323 1.48 217,118 7.455 57.98 58.01 619 40.3 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 60.01 - 65.00 138 30,871,834 2.02 223,709 7.562 63 63 612 40.73 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 65.01 - 70.00 265 65,265,732 4.28 246,286 7.862 68.47 68.54 611 40.97 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 70.01 - 75.00 342 84,564,949 5.55 247,266 7.964 73.56 73.69 604 40.92 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 75.01 - 80.00 736 181,598,736 11.91 246,737 7.997 79.27 79.27 614 41.24 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 80.01 - 85.00 556 135,428,798 8.88 243,577 8.195 84.16 84.19 613 41.08 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 85.01 - 90.00 639 149,912,692 9.83 234,605 8.509 88.64 89.59 12,165,042 0.8 248,266 7.657 81.07 88.81 628 42.13 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 90.01 - 95.00 440 98,170,762 6.44 223,115 8.678 90.18 94.82 627 42.22 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 95.01 - 100.00 3,885 719,141,063 47.17 185,107 8.317 82.54 99.97 651 43.2 55.98 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Total: 7,301 1,524,634,579 100 208,825 8.224 80.61 89.24 633 42.19 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Non-zero Weighted Average Original Combined LTV (%): 89.24 DTI: 42.19 Minimum Original Combined LTV (%): 5.53 DTI: 2.18 Maximum Original Combined LTV (%): 100.00 DTI: 58.00 Standard Deviation Original Combined LTV (%): 13.68DTI: 8.36 Top ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TOP. 9. Range of Original Combined LTV Ratios (%) --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- % of Mortgage Pool by Aggregate Aggregate Sample Pool Sample Pool Avg. Sample Pool Weighted Number of Calculation Date Calculation Date Calculation Date Average Gross Weighted Average Weighted Average Weighted Average Weighted Average Range of Original Combined LTV Ratios (%) Mortgage Loans Principal Balance ($) Principal Balance Principal Balance ($) Interest Rate (%) Original LTV (%) Original Combined LTV (%) FICO Score Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- less than or equal to 30.00 23 2,655,071 0.17 115,438 8.238 23.92 23.92 599 34.67 15 1,911,572 0.41 127,438 8.077 24.16 24.16 608 34.53 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 13 1,847,360 0.12 142,105 7.637 33.21 33.21 637 35.02 7 984,634 0.21 140,662 7.726 33.7 33.7 640 41.02 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 23 4,354,476 0.29 189,325 7.052 37.04 37.36 657 41.46 11 1,656,060 0.35 150,551 7.591 37.83 37.83 617 41.31 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 33 6,354,161 0.42 192,550 7.754 42.93 42.93 612 36.41 24 4,284,861 0.91 178,536 8.036 42.46 42.46 594 37.4 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 49 10,126,126 0.66 206,656 7.693 48.04 48.04 629 40.35 27 5,333,412 1.13 197,534 7.668 47.88 47.88 626 41.29 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 55 11,762,496 0.77 213,864 7.331 52.86 53.03 633 39.7 33 5,429,504 1.15 164,530 7.684 52.64 53 608 38.28 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 - 60.00 104 22,580,323 1.48 217,118 7.455 57.98 58.01 63 12,536,358 2.66 198,990 7.475 58.03 58.03 619 40.3 42.68 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 60.01 - 65.00 138 30,871,834 2.02 223,709 7.562 63 63 612 40.73 75 15,969,449 3.39 212,926 7.735 62.98 62.98 597 41.1 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 65.01 - 70.00 265 65,265,732 4.28 246,286 7.862 68.47 68.54 611 40.97 144 30,111,029 6.39 209,104 8.192 68.66 68.66 590 41.98 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 70.01 - 75.00 342 84,564,949 5.55 247,266 7.964 73.56 73.69 604 40.92 193 39,947,698 8.48 206,983 8.193 73.9 73.9 589 41.14 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 75.01 - 80.00 736 181,598,736 11.91 246,737 7.997 79.27 79.27 614 41.24 388 84,088,078 17.85 216,722 8.158 79.2 79.2 601 42.1 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 80.01 - 85.00 556 135,428,798 8.88 243,577 8.195 84.16 84.19 613 41.08 264 54,333,581 11.54 205,809 8.397 84.31 84.31 607 42.13 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 85.01 - 90.00 639 149,912,692 9.83 234,605 8.509 88.64 89.59 628 42.13 198 39,701,169 8.43 200,511 8.278 88.65 89.46 625 43.49 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 90.01 - 95.00 440 98,170,762 6.44 223,115 8.678 90.18 94.82 172 32,518,278 6.9 189,060 8.581 89.8 94.85 627 42.22 43.44 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 95.01 - 100.00 3,885 719,141,063 47.17 185,107 8.317 82.54 99.97 651 43.2 1,083 142,192,841 30.19 131,295 8.273 82.09 99.96 645 44.65 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Total: 7,301 1,524,634,579 2,697 470,998,522 100 208,825 8.224 80.61 89.24 633 42.19 174,638 8.217 78.49 84.31 618 42.84 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Weighted Average Original Combined LTV (%): 89.24 84.31 Minimum Original Combined LTV (%): 5.53 Maximum Original Combined LTV (%): 100.00 Standard Deviation Original Combined LTV (%): 13.6815.32

TOP. 910. Range of Original Combined LTV Ratios (%) Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- % of Mortgage Pool by Aggregate Aggregate Sample Pool Sample Pool Avg. Sample Pool Weighted Number of Calculation Date Calculation Date Calculation Date Average Gross Weighted Average Weighted Average Weighted Average Weighted Average Range of Original Combined LTV Ratios (%) Debt Ratio Mortgage Loans Principal Balance ($) Principal Balance Principal Balance ($) Interest Rate (%) Original LTV (%) Original Combined LTV (%) FICO Score Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- less 0.01 - 30.00 508 99,940,383 9.49 196,733 8.031 79.9 86.2 642 22.96 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 411 80,167,848 7.61 195,056 8.288 80.84 89.1 642 32.88 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 730 160,231,408 15.21 219,495 8.275 82.04 91.46 642 37.67 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 1,174 275,928,166 26.19 235,033 8.174 81.28 92.4 646 42.71 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 1,430 341,943,502 32.45 239,121 8.343 82.41 93.46 637 47.85 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 332 89,958,049 8.54 270,958 8.062 80.76 88.71 626 52.54 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 greater than or equal to 30.00 23 2,655,071 0.17 115,438 8.238 23.92 23.92 599 34.67 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 13 1,847,360 0.12 142,105 7.637 33.21 33.21 637 35.02 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 23 4,354,476 0.29 189,325 7.052 37.04 37.36 657 41.46 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 33 6,354,161 0.42 192,550 7.754 42.93 42.93 612 36.41 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 49 10,126,126 0.66 206,656 7.693 48.04 48.04 629 40.35 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 55 11,762,496 0.77 213,864 7.331 52.86 53.03 633 39.7 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 - 60.00 104 22,580,323 1.48 217,118 7.455 57.98 58.01 619 40.3 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 60.01 - 65.00 138 30,871,834 2.02 223,709 7.562 63 63 612 40.73 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 65.01 - 70.00 265 65,265,732 4.28 246,286 7.862 68.47 68.54 611 40.97 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 70.01 - 75.00 342 84,564,949 5.55 247,266 7.964 73.56 73.69 604 40.92 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 75.01 - 80.00 736 181,598,736 11.91 246,737 7.997 79.27 79.27 614 41.24 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 80.01 - 85.00 556 135,428,798 8.88 243,577 8.195 84.16 84.19 613 41.08 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 85.01 - 90.00 639 149,912,692 9.83 234,605 8.509 88.64 89.59 628 42.13 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 90.01 - 95.00 440 98,170,762 6.44 223,115 8.678 90.18 94.82 627 42.22 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 95.01 - 100.00 3,885 719,141,063 47.17 185,107 8.317 82.54 99.97 651 43.2 19 5,466,700 0.52 287,721 7.751 81.6 91.41 626 55.95 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Total: 7,301 1,524,634,579 4,604 1,053,636,056 100 208,825 8.224 80.61 89.24 633 42.19 228,852 8.228 81.56 91.44 640 41.9 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Non-zero Weighted Average Original Combined LTV (%): 89.24 DTI: 41.90 Minimum Original Combined LTV (%): 5.53 DTI: 2.18 Maximum Original Combined LTV (%): 100.00 DTI: 57.73 Standard Deviation Original Combined LTV (%): 13.68DTI: 8.70 Top ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TOP. 910. Range of Original Combined LTV Ratios (%) Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- % of Mortgage Pool by Aggregate Aggregate Sample Pool Sample Pool Avg. Sample Pool Weighted Number of Calculation Date Calculation Date Calculation Date Average Gross Weighted Average Weighted Average Weighted Average Weighted Average Range of Original Combined LTV Ratios (%) Debt Ratio Mortgage Loans Principal Balance ($) Principal Balance Principal Balance ($) Interest Rate (%) Original LTV (%) Original Combined LTV (%) FICO Score Debt Ratio --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- less 0.01 - 30.00 220 33,254,068 7.06 151,155 8.236 75.82 77.75 616 26.24 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 278 47,025,020 9.98 169,155 8.089 75.82 78.92 618 32.62 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 409 68,150,077 14.47 166,626 8.191 78.14 82.95 616 37.84 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 620 106,492,846 22.61 171,763 8.219 79.08 85.77 624 42.75 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 847 155,439,048 33 183,517 8.337 79.11 86.56 617 47.81 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 293 53,939,121 11.45 184,093 8.077 79.74 85.12 609 52.56 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 greater than or equal to 30.00 23 2,655,071 0.17 115,438 8.238 23.92 23.92 599 34.67 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 30.01 - 35.00 13 1,847,360 0.12 142,105 7.637 33.21 33.21 637 35.02 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 35.01 - 40.00 23 4,354,476 0.29 189,325 7.052 37.04 37.36 657 41.46 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 40.01 - 45.00 33 6,354,161 0.42 192,550 7.754 42.93 42.93 612 36.41 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 45.01 - 50.00 49 10,126,126 0.66 206,656 7.693 48.04 48.04 629 40.35 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 50.01 - 55.00 55 11,762,496 0.77 213,864 7.331 52.86 53.03 633 39.7 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 55.01 - 60.00 104 22,580,323 1.48 217,118 7.455 57.98 58.01 619 40.3 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 60.01 - 65.00 138 30,871,834 2.02 223,709 7.562 63 63 612 40.73 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 65.01 - 70.00 265 65,265,732 4.28 246,286 7.862 68.47 68.54 611 40.97 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 70.01 - 75.00 342 84,564,949 5.55 247,266 7.964 73.56 73.69 604 40.92 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 75.01 - 80.00 736 181,598,736 11.91 246,737 7.997 79.27 79.27 614 41.24 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 80.01 - 85.00 556 135,428,798 8.88 243,577 8.195 84.16 84.19 613 41.08 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 85.01 - 90.00 639 149,912,692 9.83 234,605 8.509 88.64 89.59 628 42.13 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 90.01 - 95.00 440 98,170,762 6.44 223,115 8.678 90.18 94.82 627 42.22 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- 95.01 - 100.00 3,885 719,141,063 47.17 185,107 8.317 82.54 99.97 651 43.2 30 6,698,342 1.42 223,278 7.58 80.64 86.69 630 56 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Total: 7,301 1,524,634,579 2,697 470,998,522 100 208,825 8.224 80.61 89.24 633 42.19 174,638 8.217 78.49 84.31 618 42.84 --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Non-zero Weighted Average Original Combined LTV (%): 89.24 DTI: 42.84 Minimum Original Combined LTV (%): 5.53 DTI: 20.10 Maximum Original Combined LTV (%): 100.00 DTI: 58.00 Standard Deviation Original Combined LTV (%): 13.68DTI: 7.71 Top ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------