BEAR STEARNS ASSET BACKED SECURITIES I LLC, Depositor, EMC MORTGAGE CORPORATION, Sponsor and Company, LASALLE BANK NATIONAL ASSOCIATION, Master Servicer and Securities Administrator, and CITIBANK, N.A. Trustee POOLING AND SERVICING AGREEMENT Dated as...
BEAR
XXXXXXX ASSET BACKED SECURITIES I LLC,
Depositor,
EMC
MORTGAGE CORPORATION,
Sponsor
and Company,
LASALLE
BANK NATIONAL ASSOCIATION,
Master
Servicer and Securities Administrator,
and
CITIBANK,
N.A.
Trustee
Dated
as
of April 1, 2006
MORTGAGE-BACKED
CERTIFICATES, SERIES 2006-5
TABLE
OF CONTENTS
ARTICLE
I
DEFINITIONS
|
Section
1.01
|
Defined
Terms.
|
|
Section
1.02
|
Allocation
of Certain Interest Shortfalls.
|
ARTICLE
II
CONVEYANCE
OF TRUST FUND REPRESENTATIONS AND WARRANTIES
|
Section
2.01
|
Conveyance
of Trust Fund.
|
|
Section
2.02
|
Acceptance
of the Mortgage Loans.
|
|
Section
2.03
|
Representations,
Warranties and Covenants of the Company, the Master Servicer, and
EMC as
sponsor.
|
|
Section
2.04
|
Representations
and Warranties of the Depositor.
|
|
Section
2.05
|
Delivery
of Opinion of Counsel in Connection with Substitutions and
Repurchases.
|
|
Section
2.06
|
Countersignature
and Delivery of Certificates.
|
|
Section
2.07
|
Purposes
and Powers of the Trust.
|
ARTICLE
III
ADMINISTRATION
AND SERVICING OF EMC MORTGAGE LOANS BY THE COMPANY
|
Section
3.01
|
The
Company.
|
|
Section
3.02
|
Due-on-Sale
Clauses; Assumption Agreements.
|
|
Section
3.03
|
Subservicers.
|
|
Section
3.04
|
Documents,
Records and Funds in Possession of the Company to Be Held for
Trustee.
|
|
Section
3.05
|
Optional
Purchase of Certain Mortgage Loans.
|
|
Section
3.06
|
Release
of Mortgage Files.
|
|
Section
3.07
|
Maintenance
of Hazard Insurance.
|
|
Section
3.08
|
Presentment
of Claims and Collection of Proceeds.
|
|
Section
3.09
|
Books
and Records
|
|
Section
3.10
|
Custodians
to Retain Possession of Certain Insurance Policies and
Documents.
|
|
Section
3.11
|
Fidelity
Bond, Errors and Omissions Insurance.
|
|
Section
3.12
|
Realization
Upon Defaulted Mortgage Loans; Determination of Excess Liquidation
Proceeds and Realized Losses; Repurchases of Certain Mortgage
Loans.
|
|
Section
3.13
|
Servicing
Compensation.
|
|
Section
3.14
|
REO
Property.
|
|
Section
3.15
|
Liquidation
Reports.
|
|
Section
3.16
|
Annual
Statement as to Compliance.
|
|
Section
3.17
|
Assessments
of Compliance and Attestation Reports.
|
|
Section
3.18
|
Reports
Filed with Securities and Exchange Commission.
|
|
Section
3.19
|
Intention
of the Parties and Interpretation.
|
ARTICLE
IV
MASTER
SERVICING OF MORTGAGE LOANS BY MASTER SERVICER
|
Section
4.01
|
Master
Servicer.
|
|
Section
4.02
|
Monitoring
of Company and Servicer.
|
|
Section
4.03
|
Fidelity
Bond.
|
|
Section
4.04
|
Power
to Act; Procedures.
|
|
Section
4.05
|
Due-on-Sale
Clauses; Assumption Agreements.
|
|
Section
4.06
|
Documents,
Records and Funds in Possession of Master Servicer, Company and
Servicer
To Be Held for Trustee.
|
|
Section
4.07
|
Presentment
of Claims and Collection of Proceeds.
|
|
Section
4.08
|
Realization
Upon Defaulted Mortgage Loans.
|
|
Section
4.09
|
Compensation
of the Master Servicer.
|
|
Section
4.10
|
REO
Property.
|
|
Section
4.11
|
[Reserved].
|
|
Section
4.12
|
[Reserved].
|
|
Section
4.13
|
UCC.
|
|
Section
4.14
|
Group
I Reserve Fund; Payments to and from Swap Administrator; Group
I
Supplemental Interest Trust.
|
|
Section
4.15
|
Group
II Reserve Fund; Payments to and from Swap Administrator; Group
II
Supplemental Interest Trust.
|
|
Section
4.16
|
Tax
Treatment of Class IO Distribution Amounts in the Event of
Resecuritization of Class A, Class M or Class B
Certificates.
|
ARTICLE
V
ACCOUNTS
|
Section
5.01
|
Collection
of Mortgage Loan Payments; Protected Account.
|
|
Section
5.02
|
Permitted
Withdrawals From the Protected Account.
|
|
Section
5.03
|
Reports
to the Master Servicer.
|
|
Section
5.04
|
Collection
of Taxes; Assessments and Similar Items; Escrow Accounts.
|
|
Section
5.05
|
Protected
Accounts.
|
|
Section
5.06
|
Master
Servicer Collection Account.
|
|
Section
5.07
|
Permitted
Withdrawals and Transfers from the Master Servicer Collection
Account.
|
|
Section
5.08
|
Distribution
Account.
|
|
Section
5.09
|
Permitted
Withdrawals and Transfers from the Distribution Account.
|
ARTICLE
VI
DISTRIBUTIONS
AND ADVANCES
|
Section
6.01
|
Advances.
|
|
Section
6.02
|
Compensating
Interest Payments.
|
|
Section
6.03
|
REMIC
Distributions.
|
|
Section
6.04
|
Distributions.
|
|
Section
6.05
|
Allocation
of Realized Losses.
|
|
Section
6.06
|
Monthly
Statements to Certificateholders.
|
|
Section
6.07
|
REMIC
Designations and REMIC Distributions.
|
ARTICLE
VII
THE
CERTIFICATES
|
Section
7.01
|
The
Certificates.
|
|
Section
7.02
|
Certificate
Register; Registration of Transfer and Exchange of
Certificates.
|
|
Section
7.03
|
Mutilated,
Destroyed, Lost or Stolen Certificates.
|
|
Section
7.04
|
Persons
Deemed Owners.
|
|
Section
7.05
|
Access
to List of Certificateholders’ Names and Addresses.
|
|
Section
7.06
|
Book-Entry
Certificates.
|
|
Section
7.07
|
Notices
to Depository.
|
|
Section
7.08
|
Definitive
Certificates.
|
|
Section
7.09
|
Maintenance
of Office or Agency.
|
ARTICLE
VIII
THE
DEPOSITOR, COMPANY AND THE MASTER SERVICER
|
Section
8.01
|
Liabilities
of the Depositor, the Company and the Master Servicer.
|
|
Section
8.02
|
Merger
or Consolidation of the Depositor or the Master Servicer.
|
|
Section
8.03
|
Indemnification
of the Trustee, the Master Servicer, the Securities
Administrator.
|
|
Section
8.04
|
Limitations
on Liability of the Depositor, the Company, the Master Servicer
and
Others.
|
|
Section
8.05
|
Master
Servicer and Company Not to Resign.
|
|
Section
8.06
|
Successor
Master Servicer.
|
|
Section
8.07
|
Sale
and Assignment of Master Servicing.
|
ARTICLE
IX
DEFAULT;
TERMINATION OF MASTER SERVICER; TERMINATION OF COMPANY
|
Section
9.01
|
Events
of Default.
|
|
Section
9.02
|
Trustee
to Act; Appointment of Successor.
|
|
Section
9.03
|
Notification
to Certificateholders.
|
|
Section
9.04
|
Waiver
of Defaults.
|
|
Section
9.05
|
Company
Default.
|
|
Section
9.06
|
Waiver
of Company Defaults.
|
ARTICLE
X
CONCERNING
THE TRUSTEE AND THE SECURITIES ADMINISTRATOR
|
Section
10.01
|
Duties
of Trustee and the Securities Administrator.
|
|
Section
10.02
|
Certain
Matters Affecting the Trustee and the Securities
Administrator.
|
|
Section
10.03
|
Trustee
and Securities Administrator Not Liable for Certificates or Mortgage
Loans.
|
|
Section
10.04
|
Trustee
and Securities Administrator May Own Certificates.
|
|
Section
10.05
|
Trustee’s
and Securities Administrator’s Fees and Expenses.
|
|
Section
10.06
|
Eligibility
Requirements for Trustee and Securities Administrator.
|
|
Section
10.07
|
Insurance.
|
|
Section
10.08
|
Resignation
and Removal of Trustee and Securities Administrator.
|
|
Section
10.09
|
Successor
Trustee or Securities Administrator.
|
|
Section
10.10
|
Merger
or Consolidation of Trustee or Securities Administrator.
|
|
Section
10.11
|
Appointment
of Co-Trustee or Separate Trustee.
|
|
Section
10.12
|
Tax
Matters.
|
|
Section
10.13
|
REMIC-Related
Covenants.
|
ARTICLE
XI
TERMINATION
|
Section
11.01
|
Termination
upon Liquidation or Repurchase of all Mortgage Loans.
|
|
Section
11.02
|
Final
Distribution on the Group I Certificates and Group II
Certificates.
|
|
Section
11.03
|
Additional
Termination Requirements.
|
ARTICLE
XII
MISCELLANEOUS
PROVISIONS
|
Section
12.01
|
Amendment.
|
|
Section
12.02
|
Recordation
of Agreement; Counterparts.
|
|
Section
12.03
|
Governing
Law.
|
|
Section
12.04
|
Intention
of Parties.
|
|
Section
12.05
|
Notices.
|
|
Section
12.06
|
Severability
of Provisions.
|
|
Section
12.07
|
Assignment.
|
|
Section
12.08
|
Limitation
on Rights of Certificateholders.
|
|
Section
12.09
|
Inspection
and Audit Rights.
|
|
Section
12.10
|
Certificates
Nonassessable and Fully Paid.
|
|
Section
12.11
|
Third
Party Rights.
|
Exhibits
|
Exhibit
A-1
|
Form
of Class A Certificates
|
|
Exhibit
A-2
|
Form
of Class M Certificates
|
|
Exhibit
A-3
|
Form
of Class B Certificates
|
|
Exhibit
A-4
|
Form
of Class C Certificates
|
|
Exhibit
A-5
|
Form
of Class R Certificates
|
|
Exhibit
B
|
Mortgage
Loan Schedule
|
|
Exhibit
C
|
Form
of Transfer Affidavit
|
|
Exhibit
D
|
Form
of Transferor Certificate
|
|
Exhibit
E
|
Form
of Investment Letter (Non-Rule 144A)
|
|
Exhibit
F
|
Form
of Rule 144A and Related Matters Certificate
|
|
Exhibit
G
|
Form
of Request for Release
|
|
Exhibit
H
|
DTC
Letter of Representations
|
|
Exhibit
I
|
Schedule
of Mortgage Loans with Lost Notes
|
|
Exhibit
J
|
Form
of LaSalle Custodial Agreement
|
|
Exhibit
K
|
Form
of Xxxxx Fargo Custodial Agreement
|
|
Exhibit
L
|
Form
of Mortgage Loan Purchase Agreement
|
|
Exhibit
M
|
Form
of Back-Up Certification
|
|
Exhibit
N-1
|
Group
I Interest Swap Agreement
|
|
Exhibit
N-2
|
Group
II Interest Swap Agreement
|
|
Exhibit
O
|
Servicing
Criteria to Be Addressed in Assessment of Compliance
|
|
Exhibit
P
|
Form
10-D, Form 8-K and Form 10-K Reporting Responsibility
|
|
Exhibit
Q
|
Additional
Disclosure Notification
|
|
Exhibit
R
|
Form
of First Horizon Servicing Agreement
|
|
Exhibit
S
|
Form
of GMAC Servicing Agreement
|
|
Exhibit
T
|
Form
of First Horizon Assignment, Assumption and Recognition
Agreement
|
|
Exhibit
U
|
Form
of GMAC Assignment, Assumption and Recognition Agreement
|
POOLING
AND SERVICING AGREEMENT, dated as of April 1, 2006, among BEAR XXXXXXX ASSET
BACKED SECURITIES I LLC, a Delaware limited liability company, as depositor
(the
“Depositor”), EMC MORTGAGE CORPORATION, a Delaware corporation, as sponsor (in
such capacity, a “Sponsor”) and as company (in such capacity, the “Company”),
LASALLE BANK NATIONAL ASSOCIATION, a national banking association, as master
servicer (in such capacity, the “Master Servicer”) and as securities
administrator (in such capacity, the “Securities Administrator”) and CITIBANK,
N.A., a national banking association, as trustee (the “Trustee”).
PRELIMINARY
STATEMENT
The
Depositor is the owner of the Trust Fund that is hereby conveyed to the Trustee
in return for the Certificates. On or prior to the Closing Date, the Depositor
acquired the Mortgage Loans from the Sponsor. On the Closing Date, the Depositor
will sell the Mortgage Loans and certain other property to the Trust Fund
and
receive in consideration therefor Certificates evidencing the entire beneficial
ownership interest in the Trust Fund.
REMIC
I
As
provided herein, the Securities Administrator, on behalf of the Trustee will
elect to treat the segregated pool of assets consisting of the Group I Mortgage
Loans and certain other related assets subject to this Agreement (other than
the
Group I Reserve Fund, any related Prepayment Charge Waiver Amounts and, for
the
avoidance of doubt, the Group I Supplemental Interest Trust, the Group I
Interest Rate Swap Agreement, the Group I Swap Account and any rights or
obligations in respect of the Swap Administration Agreement) as a REMIC (as
defined herein) for federal income tax purposes, and such segregated pool
of
assets will be designated as “REMIC I”. The Class I-R-1 Certificates will
represent the sole class of Residual Interests (as defined herein) in REMIC
I
for purposes of the REMIC Provisions (as defined herein). The following table
irrevocably sets forth the designation, the Uncertificated REMIC I Pass-Through
Rate, the initial Uncertificated Principal Balance and, for purposes of
satisfying Treasury Regulation Section 1.860G-1(a)(4)(iii), the “latest possible
maturity date” for each of the REMIC I Regular Interests (as defined herein).
None of the REMIC I Regular Interests will be certificated.
|
Designation
|
Uncertificated
REMIC I
Pass-Through
Rate
|
Initial
Uncertificated Principal Balance
|
Latest
Possible Maturity Date (1)
|
|
I-1-A
|
Variable(2)
|
$
5,171,186.11
|
April
25, 2036
|
|
I-1-B
|
Variable(2)
|
$
5,171,186.11
|
April
25, 2036
|
|
I-2-A
|
Variable(2)
|
$
4,987,369.09
|
April
25, 2036
|
|
I-2-B
|
Variable(2)
|
$
4,987,369.09
|
April
25, 2036
|
|
I-3-A
|
Variable(2)
|
$
4,810,072.83
|
April
25, 2036
|
|
I-3-B
|
Variable(2)
|
$
4,810,072.83
|
April
25, 2036
|
|
I-4-A
|
Variable(2)
|
$
4,639,066.35
|
April
25, 2036
|
|
I-4-B
|
Variable(2)
|
$
4,639,066.35
|
April
25, 2036
|
|
I-5-A
|
Variable(2)
|
$
4,474,126.85
|
April
25, 2036
|
|
I-5-B
|
Variable(2)
|
$
4,474,126.85
|
April
25, 2036
|
|
I-6-A
|
Variable(2)
|
$
4,315,039.44
|
April
25, 2036
|
|
I-6-B
|
Variable(2)
|
$
4,315,039.44
|
April
25, 2036
|
|
I-7-A
|
Variable(2)
|
$
4,161,596.79
|
April
25, 2036
|
|
I-7-B
|
Variable(2)
|
$
4,161,596.79
|
April
25, 2036
|
|
I-8-A
|
Variable(2)
|
$
4,013,598.94
|
April
25, 2036
|
|
I-8-B
|
Variable(2)
|
$
4,013,598.94
|
April
25, 2036
|
|
I-9-A
|
Variable(2)
|
$
3,870,852.96
|
April
25, 2036
|
|
I-9-B
|
Variable(2)
|
$
3,870,852.96
|
April
25, 2036
|
|
I-10-A
|
Variable(2)
|
$
3,733,172.82
|
April
25, 2036
|
|
I-10-B
|
Variable(2)
|
$
3,733,172.82
|
April
25, 2036
|
|
I-11-A
|
Variable(2)
|
$
3,600,379.01
|
April
25, 2036
|
|
I-11-B
|
Variable(2)
|
$
3,600,379.01
|
April
25, 2036
|
|
I-12-A
|
Variable(2)
|
$
3,472,298.38
|
April
25, 2036
|
|
I-12-B
|
Variable(2)
|
$
3,472,298.38
|
April
25, 2036
|
|
I-13-A
|
Variable(2)
|
$
3,348,763.94
|
April
25, 2036
|
|
I-13-B
|
Variable(2)
|
$
3,348,763.94
|
April
25, 2036
|
|
I-14-A
|
Variable(2)
|
$
3,229,614.60
|
April
25, 2036
|
|
I-14-B
|
Variable(2)
|
$
3,229,614.60
|
April
25, 2036
|
|
I-15-A
|
Variable(2)
|
$
3,114,694.94
|
April
25, 2036
|
|
I-15-B
|
Variable(2)
|
$
3,114,694.94
|
April
25, 2036
|
|
I-16-A
|
Variable(2)
|
$
3,003,855.09
|
April
25, 2036
|
|
I-16-B
|
Variable(2)
|
$
3,003,855.09
|
April
25, 2036
|
|
I-17-A
|
Variable(2)
|
$
2,896,950.44
|
April
25, 2036
|
|
I-17-B
|
Variable(2)
|
$
2,896,950.44
|
April
25, 2036
|
|
I-18-A
|
Variable(2)
|
$
2,793,841.51
|
April
25, 2036
|
|
I-18-B
|
Variable(2)
|
$
2,793,841.51
|
April
25, 2036
|
|
I-19-A
|
Variable(2)
|
$
2,694,393.78
|
April
25, 2036
|
|
I-19-B
|
Variable(2)
|
$
2,694,393.78
|
April
25, 2036
|
|
I-20-A
|
Variable(2)
|
$
2,598,477.48
|
April
25, 2036
|
|
I-20-B
|
Variable(2)
|
$
2,598,477.48
|
April
25, 2036
|
|
I-21-A
|
Variable(2)
|
$
2,505,967.41
|
April
25, 2036
|
|
I-21-B
|
Variable(2)
|
$
2,505,967.41
|
April
25, 2036
|
|
I-22-A
|
Variable(2)
|
$
2,416,742.83
|
April
25, 2036
|
|
I-22-B
|
Variable(2)
|
$
2,416,742.83
|
April
25, 2036
|
|
I-23-A
|
Variable(2)
|
$
2,330,687.29
|
April
25, 2036
|
|
I-23-B
|
Variable(2)
|
$
2,330,687.29
|
April
25, 2036
|
|
I-24-A
|
Variable(2)
|
$
2,247,688.40
|
April
25, 2036
|
|
I-24-B
|
Variable(2)
|
$
2,247,688.40
|
April
25, 2036
|
|
I-25-A
|
Variable(2)
|
$
2,167,637.80
|
April
25, 2036
|
|
I-25-B
|
Variable(2)
|
$
2,167,637.80
|
April
25, 2036
|
|
I-26-A
|
Variable(2)
|
$
2,090,430.98
|
April
25, 2036
|
|
I-26-B
|
Variable(2)
|
$
2,090,430.98
|
April
25, 2036
|
|
I-27-A
|
Variable(2)
|
$
2,015,967.08
|
April
25, 2036
|
|
I-27-B
|
Variable(2)
|
$
2,015,967.08
|
April
25, 2036
|
|
I-28-A
|
Variable(2)
|
$
1,944,148.84
|
April
25, 2036
|
|
I-28-B
|
Variable(2)
|
$
1,944,148.84
|
April
25, 2036
|
|
I-29-A
|
Variable(2)
|
$
1,874,882.45
|
April
25, 2036
|
|
I-29-B
|
Variable(2)
|
$
1,874,882.45
|
April
25, 2036
|
|
I-30-A
|
Variable(2)
|
$
1,808,077.40
|
April
25, 2036
|
|
I-30-B
|
Variable(2)
|
$
1,808,077.40
|
April
25, 2036
|
|
I-31-A
|
Variable(2)
|
$
1,743,646.41
|
April
25, 2036
|
|
I-31-B
|
Variable(2)
|
$
1,743,646.41
|
April
25, 2036
|
|
I-32-A
|
Variable(2)
|
$
1,681,505.27
|
April
25, 2036
|
|
I-32-B
|
Variable(2)
|
$
1,681,505.27
|
April
25, 2036
|
|
I-33-A
|
Variable(2)
|
$
1,621,572.77
|
April
25, 2036
|
|
I-33-B
|
Variable(2)
|
$
1,621,572.77
|
April
25, 2036
|
|
I-34-A
|
Variable(2)
|
$
1,563,770.54
|
April
25, 2036
|
|
I-34-B
|
Variable(2)
|
$
1,563,770.54
|
April
25, 2036
|
|
I-35-A
|
Variable(2)
|
$
1,508,023.06
|
April
25, 2036
|
|
I-35-B
|
Variable(2)
|
$
1,508,023.06
|
April
25, 2036
|
|
I-36-A
|
Variable(2)
|
$
1,454,257.39
|
April
25, 2036
|
|
I-36-B
|
Variable(2)
|
$
1,454,257.39
|
April
25, 2036
|
|
I-37-A
|
Variable(2)
|
$
1,402,403.25
|
April
25, 2036
|
|
I-37-B
|
Variable(2)
|
$
1,402,403.25
|
April
25, 2036
|
|
I-38-A
|
Variable(2)
|
$
1,352,392.82
|
April
25, 2036
|
|
I-38-B
|
Variable(2)
|
$
1,352,392.82
|
April
25, 2036
|
|
I-39-A
|
Variable(2)
|
$
1,304,160.67
|
April
25, 2036
|
|
I-39-B
|
Variable(2)
|
$
1,304,160.67
|
April
25, 2036
|
|
I-40-A
|
Variable(2)
|
$
1,257,643.71
|
April
25, 2036
|
|
I-40-B
|
Variable(2)
|
$
1,257,643.71
|
April
25, 2036
|
|
I-41-A
|
Variable(2)
|
$
1,212,781.08
|
April
25, 2036
|
|
I-41-B
|
Variable(2)
|
$
1,212,781.08
|
April
25, 2036
|
|
I-42-A
|
Variable(2)
|
$
1,169,514.06
|
April
25, 2036
|
|
I-42-B
|
Variable(2)
|
$
1,169,514.06
|
April
25, 2036
|
|
I-43-A
|
Variable(2)
|
$
1,127,786.03
|
April
25, 2036
|
|
I-43-B
|
Variable(2)
|
$
1,127,786.03
|
April
25, 2036
|
|
I-44-A
|
Variable(2)
|
$
1,087,542.38
|
April
25, 2036
|
|
I-44-B
|
Variable(2)
|
$
1,087,542.38
|
April
25, 2036
|
|
I-45-A
|
Variable(2)
|
$
29,258,889.07
|
April
25, 2036
|
|
I-45-B
|
Variable(2)
|
$
29,258,889.07
|
April
25, 2036
|
_____________________________________
(1) For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the
Distribution Date in the month following the maturity date for the Group
I
Mortgage Loan with the latest maturity date has been designated as the “latest
possible maturity date” for each REMIC I Regular Interest.
(2) Calculated
in accordance with the definition of “Uncertificated REMIC I Pass-Through Rate”
herein.
REMIC
II
As
provided herein, the Securities Administrator, on behalf of the Trustee will
elect to treat the segregated pool of assets consisting of the Group II Mortgage
Loans and certain other related assets subject to this Agreement (other than
the
Group II Reserve Fund, any related Prepayment Charge Waiver Amounts and,
for the
avoidance of doubt, the Group II Supplemental Interest Trust, the Group II
Interest Rate Swap Agreement, the Group II Swap Account and any rights or
obligations in respect of the Swap Administration Agreement) as a REMIC for
federal income tax purposes, and such segregated pool of assets will be
designated as “REMIC II”. The Class II-R-1 Certificates will represent the sole
class of Residual Interests in REMIC II for purposes of the REMIC Provisions.
The following table irrevocably sets forth the designation, the Uncertificated
REMIC II Pass-Through Rate, the initial Uncertificated Principal Balance
and,
for purposes of satisfying Treasury Regulation Section 1.860G-1(a)(4)(iii),
the
“latest possible maturity date” for each of the REMIC II Regular Interests (as
defined herein). None of the REMIC II Regular Interests will be
certificated
|
Designation
|
Uncertificated
REMIC II
Pass-Through
Rate
|
Initial
Uncertificated Principal Balance
|
Latest
Possible Maturity Date (1)
|
|
II-1-A
|
Variable(2)
|
$
7,510,952.35
|
May
25, 2036
|
|
II-1-B
|
Variable(2)
|
$
7,510,952.35
|
May
25, 2036
|
|
II-2-A
|
Variable(2)
|
$
7,244,719.32
|
May
25, 2036
|
|
II-2-B
|
Variable(2)
|
$
7,244,719.32
|
May
25, 2036
|
|
II-3-A
|
Variable(2)
|
$
6,987,909.84
|
May
25, 2036
|
|
II-3-B
|
Variable(2)
|
$
6,987,909.84
|
May
25, 2036
|
|
II-4-A
|
Variable(2)
|
$
6,740,190.69
|
May
25, 2036
|
|
II-4-B
|
Variable(2)
|
$
6,740,190.69
|
May
25, 2036
|
|
II-5-A
|
Variable(2)
|
$
6,501,240.43
|
May
25, 2036
|
|
II-5-B
|
Variable(2)
|
$
6,501,240.43
|
May
25, 2036
|
|
II-6-A
|
Variable(2)
|
$
6,270,748.97
|
May
25, 2036
|
|
II-6-B
|
Variable(2)
|
$
6,270,748.97
|
May
25, 2036
|
|
II-7-A
|
Variable(2)
|
$
6,048,417.21
|
May
25, 2036
|
|
II-7-B
|
Variable(2)
|
$
6,048,417.21
|
May
25, 2036
|
|
II-8-A
|
Variable(2)
|
$
5,833,956.57
|
May
25, 2036
|
|
II-8-B
|
Variable(2)
|
$
5,833,956.57
|
May
25, 2036
|
|
II-9-A
|
Variable(2)
|
$
5,627,088.71
|
May
25, 2036
|
|
II-9-B
|
Variable(2)
|
$
5,627,088.71
|
May
25, 2036
|
|
II-10-A
|
Variable(2)
|
$
5,427,545.10
|
May
25, 2036
|
|
II-10-B
|
Variable(2)
|
$
5,427,545.10
|
May
25, 2036
|
|
II-11-A
|
Variable(2)
|
$
5,235,066.71
|
May
25, 2036
|
|
II-11-B
|
Variable(2)
|
$
5,235,066.71
|
May
25, 2036
|
|
II-12-A
|
Variable(2)
|
$
5,049,403.66
|
May
25, 2036
|
|
II-12-B
|
Variable(2)
|
$
5,049,403.66
|
May
25, 2036
|
|
II-13-A
|
Variable(2)
|
$
4,870,314.89
|
May
25, 2036
|
|
II-13-B
|
Variable(2)
|
$
4,870,314.89
|
May
25, 2036
|
|
II-14-A
|
Variable(2)
|
$
4,697,567.89
|
May
25, 2036
|
|
II-14-B
|
Variable(2)
|
$
4,697,567.89
|
May
25, 2036
|
|
II-15-A
|
Variable(2)
|
$
4,530,938.33
|
May
25, 2036
|
|
II-15-B
|
Variable(2)
|
$
4,530,938.33
|
May
25, 2036
|
|
II-16-A
|
Variable(2)
|
$
4,370,209.83
|
May
25, 2036
|
|
II-16-B
|
Variable(2)
|
$
4,370,209.83
|
May
25, 2036
|
|
II-17-A
|
Variable(2)
|
$
4,215,173.66
|
May
25, 2036
|
|
II-17-B
|
Variable(2)
|
$
4,215,173.66
|
May
25, 2036
|
|
II-18-A
|
Variable(2)
|
$
4,065,628.46
|
May
25, 2036
|
|
II-18-B
|
Variable(2)
|
$
4,065,628.46
|
May
25, 2036
|
|
II-19-A
|
Variable(2)
|
$
3,921,379.97
|
May
25, 2036
|
|
II-19-B
|
Variable(2)
|
$
3,921,379.97
|
May
25, 2036
|
|
II-20-A
|
Variable(2)
|
$
3,782,240.83
|
May
25, 2036
|
|
II-20-B
|
Variable(2)
|
$
3,782,240.83
|
May
25, 2036
|
|
II-21-A
|
Variable(2)
|
$
3,648,030.27
|
May
25, 2036
|
|
II-21-B
|
Variable(2)
|
$
3,648,030.27
|
May
25, 2036
|
|
II-22-A
|
Variable(2)
|
$
3,518,573.94
|
May
25, 2036
|
|
II-22-B
|
Variable(2)
|
$
3,518,573.94
|
May
25, 2036
|
|
II-23-A
|
Variable(2)
|
$
3,393,703.62
|
May
25, 2036
|
|
II-23-B
|
Variable(2)
|
$
3,393,703.62
|
May
25, 2036
|
|
II-24-A
|
Variable(2)
|
$
3,273,257.07
|
May
25, 2036
|
|
II-24-B
|
Variable(2)
|
$
3,273,257.07
|
May
25, 2036
|
|
II-25-A
|
Variable(2)
|
$
3,157,077.76
|
May
25, 2036
|
|
II-25-B
|
Variable(2)
|
$
3,157,077.76
|
May
25, 2036
|
|
II-26-A
|
Variable(2)
|
$
3,045,014.69
|
May
25, 2036
|
|
II-26-B
|
Variable(2)
|
$
3,045,014.69
|
May
25, 2036
|
|
II-27-A
|
Variable(2)
|
$
2,936,922.24
|
May
25, 2036
|
|
II-27-B
|
Variable(2)
|
$
2,936,922.24
|
May
25, 2036
|
|
II-28-A
|
Variable(2)
|
$
2,832,659.87
|
May
25, 2036
|
|
II-28-B
|
Variable(2)
|
$
2,832,659.87
|
May
25, 2036
|
|
II-29-A
|
Variable(2)
|
$
2,732,092.08
|
May
25, 2036
|
|
II-29-B
|
Variable(2)
|
$
2,732,092.08
|
May
25, 2036
|
|
II-30-A
|
Variable(2)
|
$
2,635,088.10
|
May
25, 2036
|
|
II-30-B
|
Variable(2)
|
$
2,635,088.10
|
May
25, 2036
|
|
II-31-A
|
Variable(2)
|
$
2,541,521.82
|
May
25, 2036
|
|
II-31-B
|
Variable(2)
|
$
2,541,521.82
|
May
25, 2036
|
|
II-32-A
|
Variable(2)
|
$
2,451,271.58
|
May
25, 2036
|
|
II-32-B
|
Variable(2)
|
$
2,451,271.58
|
May
25, 2036
|
|
II-33-A
|
Variable(2)
|
$
2,364,220.01
|
May
25, 2036
|
|
II-33-B
|
Variable(2)
|
$
2,364,220.01
|
May
25, 2036
|
|
II-34-A
|
Variable(2)
|
$
2,280,253.91
|
May
25, 2036
|
|
II-34-B
|
Variable(2)
|
$
2,280,253.91
|
May
25, 2036
|
|
II-35-A
|
Variable(2)
|
$
2,199,264.06
|
May
25, 2036
|
|
II-35-B
|
Variable(2)
|
$
2,199,264.06
|
May
25, 2036
|
|
II-36-A
|
Variable(2)
|
$
2,121,145.12
|
May
25, 2036
|
|
II-36-B
|
Variable(2)
|
$
2,121,145.12
|
May
25, 2036
|
|
II-37-A
|
Variable(2)
|
$
2,045,795.47
|
May
25, 2036
|
|
II-37-B
|
Variable(2)
|
$
2,045,795.47
|
May
25, 2036
|
|
II-38-A
|
Variable(2)
|
$
1,973,117.08
|
May
25, 2036
|
|
II-38-B
|
Variable(2)
|
$
1,973,117.08
|
May
25, 2036
|
|
II-39-A
|
Variable(2)
|
$
1,903,015.38
|
May
25, 2036
|
|
II-39-B
|
Variable(2)
|
$
1,903,015.38
|
May
25, 2036
|
|
II-40-A
|
Variable(2)
|
$
1,835,399.16
|
May
25, 2036
|
|
II-40-B
|
Variable(2)
|
$
1,835,399.16
|
May
25, 2036
|
|
II-41-A
|
Variable(2)
|
$
1,770,180.43
|
May
25, 2036
|
|
II-41-B
|
Variable(2)
|
$
1,770,180.43
|
May
25, 2036
|
|
II-42-A
|
Variable(2)
|
$
1,707,274.30
|
May
25, 2036
|
|
II-42-B
|
Variable(2)
|
$
1,707,274.30
|
May
25, 2036
|
|
II-43-A
|
Variable(2)
|
$
1,646,598.90
|
May
25, 2036
|
|
II-43-B
|
Variable(2)
|
$
1,646,598.90
|
May
25, 2036
|
|
II-44-A
|
Variable(2)
|
$
1,588,075.24
|
May
25, 2036
|
|
II-44-B
|
Variable(2)
|
$
1,588,075.24
|
May
25, 2036
|
|
II-45-A
|
Variable(2)
|
$
42,953,927.72
|
May
25, 2036
|
|
II-45-B
|
Variable(2)
|
$
42,953,927.72
|
May
25, 2036
|
______________________________________
(1) For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the
Distribution Date in the month following the maturity date for the Group
II
Mortgage Loan with the latest maturity date has been designated as the “latest
possible maturity date” for each REMIC II Regular Interest.
(2) Calculated
in accordance with the definition of “Uncertificated REMIC II Pass-Through Rate”
herein
REMIC
III
As
provided herein, the
Securities Administrator on behalf of the Trustee will
elect to treat the segregated pool of assets consisting of the REMIC I Regular
Interests and REMIC II Regular Interests as a REMIC for federal income tax
purposes, and such segregated pool of assets will be designated as “REMIC III”.
The Class I-R-2 Certificates will represent the sole class of Residual Interests
in REMIC III for purposes of the REMIC Provisions. The
following table irrevocably sets forth the designation, the Uncertificated
REMIC
III Pass-Through Rate, the initial Uncertificated Principal Balance and,
for
purposes of satisfying Treasury Regulation Section 1.860G-1(a)(4)(iii), the
“latest possible maturity date” for each of the REMIC III Regular Interests (as
defined herein). None of the REMIC III Regular Interests will be
certificated.
|
Designation
|
Uncertificated
REMIC III
Pass-Through
Rate
|
Initial
Uncertificated Principal Balance
|
Latest
Possible Maturity Date (1)
|
|
I-AA
|
Variable(2)
|
$
284,351,841.78
|
April
25, 2036
|
|
I-A
|
Variable(2)
|
$
2,020,940.00
|
April
25, 2036
|
|
I-M-1
|
Variable(2)
|
$
152,340.00
|
April
25, 2036
|
|
I-M-2
|
Variable(2)
|
$
155,240.00
|
April
25, 2036
|
|
I-M-3
|
Variable(2)
|
$
55,140.00
|
April
25, 2036
|
|
I-M-4
|
Variable(2)
|
$
69,650.00
|
April
25, 2036
|
|
I-M-5
|
Variable(2)
|
$
62,380.00
|
April
25, 2036
|
|
I-M-6
|
Variable(2)
|
$
42,060.00
|
April
25, 2036
|
|
I-B-1
|
Variable(2)
|
$
44,960.00
|
April
25, 2036
|
|
I-B-2
|
Variable(2)
|
$
43,510.00
|
April
25, 2036
|
|
I-B-3
|
Variable(2)
|
$
37,710.00
|
April
25, 2036
|
|
I-B-4
|
Variable(2)
|
$
46,420.00
|
April
25, 2036
|
|
I-ZZ
|
Variable(2)
|
$
3,072,748.81
|
April
25, 2036
|
|
I-IO
|
(2)
|
(3)
|
April
25, 2036
|
|
II-AA
|
Variable(2)
|
$
414,508,979.37
|
May
25, 2036
|
|
II-A-1
|
Variable(2)
|
$
1,509,990.00
|
May
25, 2036
|
|
II-A-2
|
Variable(2)
|
$
1,030,690.00
|
May
25, 2036
|
|
II-A-3
|
Variable(2)
|
$
479,300.00
|
May
25, 2036
|
|
II-M-1
|
Variable(2)
|
$
226,280.00
|
May
25, 2036
|
|
II-M-2
|
Variable(2)
|
$
222,060.00
|
May
25, 2036
|
|
II-M-3
|
Variable(2)
|
$
90,940.00
|
May
25, 2036
|
|
II-M-4
|
Variable(2)
|
$
86,710.00
|
May
25, 2036
|
|
II-M-5
|
Variable(2)
|
$
86,710.00
|
May
25, 2036
|
|
II-M-6
|
Variable(2)
|
$
65,560.00
|
May
25, 2036
|
|
II-B-1
|
Variable(2)
|
$
69,790.00
|
May
25, 2036
|
|
II-B-2
|
Variable(2)
|
$
61,330.00
|
May
25, 2036
|
|
II-B-3
|
Variable(2)
|
$
59,220.00
|
May
25, 2036
|
|
II-B-4
|
Variable(2)
|
$
50,760.00
|
May
25, 2036
|
|
II-ZZ
|
Variable(2)
|
$
4,420,026.93
|
May
25, 2036
|
|
II-IO
|
(2)
|
(3)
|
May
25, 2036
|
___________________________
|
(1)
|
For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations,
the
Distribution Date in the month following the maturity date for
the Group I
Mortgage Loan with the latest maturity date has been designated
as the
“latest possible maturity date” for each REMIC III Group I Regular
Interest (as defined herein), and the Distribution Date in the
month
following the maturity date for the Group II Mortgage Loan with
the latest
maturity date has been designated as the “latest possible maturity date”
for each REMIC III Group II Regular Interest (as defined
herein).
|
|
(2)
|
Calculated
in accordance with the definition of “Uncertificated REMIC III
Pass-Through Rate” herein.
|
|
(3)
|
REMIC
III Regular Interest I-IO and REMIC III Regular Interest II-IO
will not
have Uncertificated Principal Balances but will accrue interest
on their
respective uncertificated notional amounts calculated in accordance
with
the related definition of “Uncertificated Notional Amount”
herein.
|
REMIC
IV
As
provided herein, the Securities Administrator on behalf of the Trustee will
elect to treat the segregated pool of assets consisting of the REMIC III
Regular
Interests as a REMIC for federal income tax purposes, and such segregated
pool
of assets will be designated as “REMIC IV”. The Class I-R-3 Certificates will
represent the sole class of Residual Interests in REMIC IV for purposes of
the
REMIC Provisions.
The
following table irrevocably sets forth the designation, Pass-Through Rate,
Initial Certificate Principal Balance (or initial Uncertificated Principal
Balance, in the case of the Class C Interests and Class IO Interests) and,
for
purposes of satisfying Treasury Regulation Section 1.860G-1(a)(4)(iii), the
“latest possible maturity date” for each class of Certificates and interests
that represents ownership of one or more of the Regular Interests in REMIC
IV
created hereunder.
Each
Certificate, other than the Class C Certificates and Class R Certificates,
represents ownership of a Regular Interest in REMIC IV and also represents
(i)
the right to receive certain amounts specified herein in respect of related
Basis Risk Shortfall Carry Forward Amounts (as defined herein) and (ii) the
obligation to pay related Class IO Distribution Amounts (as defined herein).
The
entitlement to principal of the Regular Interest which corresponds to each
Certificate shall be equal in amount and timing to the entitlement to principal
of such Certificate. Each Class C Certificate represents ownership of a Regular
Interest in REMIC IV and also represents the obligation to pay certain amounts
specified herein in respect of related Basis Risk Shortfall Carry Forward
Amounts.
|
Designation
|
Pass-Through
Rate
|
Initial
Certificate
or
Uncertificated
Principal
Balance
|
Latest
Possible
Maturity
Date (1)
|
|
|
I-A(4)
|
Variable(2)
|
$
|
202,094,000.00
|
April
25, 2036
|
|
I-M-1(4)
|
Variable(2)
|
$
|
15,234,000.00
|
April
25, 2036
|
|
I-M-2(4)
|
Variable(2)
|
$
|
15,524,000.00
|
April
25, 2036
|
|
I-M-3(4)
|
Variable(2)
|
$
|
5,514,000.00
|
April
25, 2036
|
|
I-M-4(4)
|
Variable(2)
|
$
|
6,965,000.00
|
April
25, 2036
|
|
I-M-5(4)
|
Variable(2)
|
$
|
6,238,000.00
|
April
25, 2036
|
|
I-M-6(4)
|
Variable(2)
|
$
|
4,206,000.00
|
April
25, 2036
|
|
I-B-1(4)
|
Variable(2)
|
$
|
4,496,000.00
|
April
25, 2036
|
|
I-B-2(4)
|
Variable(2)
|
$
|
4,351,000.00
|
April
25, 2036
|
|
I-B-3(4)
|
Variable(2)
|
$
|
3,771,000.00
|
April
25, 2036
|
|
I-B-4(4)
|
Variable(2)
|
$
|
4,642,000.00
|
April
25, 2036
|
|
Class
I-C Interest
|
Variable(2)(3)
|
$
|
17,119,940.59
|
April
25, 2036
|
|
Class
I-IO Interest
|
(5)
|
(6)
|
April
25, 2036
|
|
|
II-A-1(4)
|
Variable(2)
|
$
|
150,999,000.00
|
May
25, 2036
|
|
II-A-2(4)
|
Variable(2)
|
$
|
103,069,000.00
|
May
25, 2036
|
|
II-A-3(4)
|
Variable(2)
|
$
|
47,930,000.00
|
May
25, 2036
|
|
II-M-1(4)
|
Variable(2)
|
$
|
22,628,000.00
|
May
25, 2036
|
|
II-M-2(4)
|
Variable(2)
|
$
|
22,206,000.00
|
May
25, 2036
|
|
II-M-3(4)
|
Variable(2)
|
$
|
9,094,000.00
|
May
25, 2036
|
|
II-M-4(4)
|
Variable(2)
|
$
|
8,671,000.00
|
May
25, 2036
|
|
II-M-5(4)
|
Variable(2)
|
$
|
8,671,000.00
|
May
25, 2036
|
|
II-M-6(4)
|
Variable(2)
|
$
|
6,556,000.00
|
May
25, 2036
|
|
II-B-1(4)
|
Variable(2)
|
$
|
6,979,000.00
|
May
25, 2036
|
|
II-B-2(4)
|
Variable(2)
|
$
|
6,133,000.00
|
May
25, 2036
|
|
II-B-3(4)
|
Variable(2)
|
$
|
5,922,000.00
|
May
25, 2036
|
|
II-B-4(4)
|
Variable(2)
|
$
|
5,076,000.00
|
May
25, 2036
|
|
Class
II-C Interest
|
Variable(2)(3)
|
$
|
19,034,346.30
|
May
25, 2036
|
|
Class
II-IO Interest
|
(5)
|
(6)
|
May
25, 2036
|
|
______________________________________
(1) For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the
Distribution Date in the month following the maturity date for the Group
I
Mortgage Loan with the latest maturity date has been designated as the “latest
possible maturity date” for each Regular Interest in REMIC IV the ownership of
which is represented by the Class I-A, Class I-M and Class I-B Certificates,
the
Class I-C Interest and the Class I-IO Interest, and the Distribution Date
in the
month immediately following the maturity date for the Group II Mortgage Loan
with the latest maturity date has been designated as the “latest possible
maturity date” for each Regular Interest in REMIC IV the ownership of which is
represented by the Class II-A, Class II-M and Class II-B Certificates, the
Class
II-C Interest and the Class II-IO Interest.
(2) Calculated
in accordance with the definition of “Pass-Through Rate” herein. Each Regular
Interest in REMIC IV which corresponds to a Class A, Class M or Class B
Certificate will have the same Pass-Through Rate as such Certificate, except
with respect to the related Net WAC Cap Rate. The Net WAC Cap Rate for each
such
Regular Interest in REMIC IV and Certificate is specified in the related
definition of “Net WAC Cap Rate.”
(3) The
Class
I-C Interest and Class II-C Interest will not accrue interest on their
Uncertificated Principal Balances, but will accrue interest on their respective
Uncertificated Notional Amounts as described herein.
(4)
This
Class of Certificates represents ownership of a Regular Interest in REMIC
IV.
Any amount distributed on this Class of Certificates on any Distribution
Date in
excess of the amount distributable on the related Regular Interest in REMIC
IV
on such Distribution Date shall be treated for federal income tax purposes
as
having been paid from the related Reserve Fund or the related Supplemental
Interest Trust, as applicable, and any amount distributable on the related
Regular Interest in REMIC IV on such Distribution Date in excess of the amount
distributable on such Class of Certificates on such Distribution Date shall
be
treated for such purposes as having been distributed to the Holders of such
Certificates and then paid by such Holders to the related Supplemental Interest
Trust, all pursuant to and as further provided in Sections 4.14 and 4.15,
as
applicable, hereof.
(5) For
federal income tax purposes, the Class I-IO Interest and Class II-IO Interest
will not have Pass-Through Rates, but will be entitled to 100% of the amounts
distributed on REMIC III Regular Interest I-IO and REMIC III Regular Interest
II-IO, respectively.
(6) For
federal income tax purposes, the Class I-IO Interest and Class II-IO Interest
will not have Uncertificated Principal Balances, but will have notional amounts
equal to the Uncertificated Notional Amounts of REMIC III Regular Interest
I-IO
and REMIC III Regular Interest II-IO, respectively.
REMIC
V
As
provided herein, the Securities Administrator on behalf of the Trustee will
elect to treat the segregated pool of assets consisting of the Class I-C
Interest as a REMIC for federal income tax purposes, and such segregated
pool of
assets will be designated as “REMIC V”. The Class I-R-5 Interest represents the
sole class of Residual Interests in REMIC V for purposes of the REMIC
Provisions.
The
following table sets forth the Class designation, Pass-Through Rate, Initial
Certificate Principal Balance and, for purposes of satisfying Treasury
Regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for
the indicated Class of Certificates that represents a Regular Interest in
REMIC
V created hereunder:
|
Class
Designation
|
Pass-Through
Rate
|
Initial
Certificate
Principal
Balance
|
Latest
Possible
Maturity
Date(1)
|
|
I-C
|
Variable(2)
|
$ 17,119,940.59
|
April
25, 2036
|
_______________
(1) For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the
Distribution Date in the month following the maturity date for the Group
I
Mortgage Loan with the latest maturity date has been designated as the “latest
possible maturity date” for the Class I-C Certificates.
(2) The
Class
I-C Certificates will not accrue interest on their uncertificated principal
balance, but will receive 100% of amounts received in respect of the Class
I-C
Interest.
REMIC
VI
As
provided herein, the Securities Administrator on behalf of the Trustee shall
elect to treat the segregated pool of assets consisting of the Class I-IO
Interest as a REMIC for federal income tax purposes, and such segregated
pool of
assets will be designated as “REMIC VI”. The Class I-R-6 Interest represents the
sole class of Residual Interests in REMIC VI for purposes of the REMIC
Provisions.
The
following table sets forth the designation, Pass-Through Rate, initial
Uncertificated Principal Balance and, for purposes of satisfying Treasury
Regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for
the indicated class of interests that represents a Regular Interest in REMIC
VI
created hereunder:
|
Designation
|
Pass-Through
Rate
|
Initial
Uncertificated Principal Balance
|
Latest
Possible
Maturity
Date(1)
|
|
IO(2)
|
(3)
|
(4)
|
April
25, 2036
|
_______________
(1) For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the
Distribution Date in the month following the maturity date for the Group
I
Mortgage Loan with the latest maturity date has been designated as the “latest
possible maturity date” for REMIC VI Regular Interest IO.
(2) REMIC
VI
Regular Interest IO will be held as an asset of the Group I Supplemental
Interest Trust.
(3) REMIC
VI
Regular Interest IO will not have a Pass-Through Rate, but will receive 100%
of
amounts received in respect of the Class I-IO Interest.
(4) REMIC
VI
Regular Interest IO will not have an Uncertificated Principal Balance, but
will
have a notional amount equal to the Uncertificated Notional Amount of the
Class
I-IO Interest.
REMIC
VII
As
provided herein, the Securities Administrator on behalf of the Trustee will
elect to treat the segregated pool of assets consisting of the Class II-C
Interest as a REMIC for federal income tax purposes, and such segregated
pool of
assets will be designated as “REMIC VII”. The Class II-R-7 Interest represents
the sole class of Residual Interests in REMIC VII for purposes of the REMIC
Provisions.
The
following table sets forth the Class designation, Pass-Through Rate, Initial
Certificate Principal Balance and, for purposes of satisfying Treasury
Regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for
the indicated Class of Certificates that represents a Regular Interest in
REMIC
VII created hereunder:
|
Class
Designation
|
Pass-Through
Rate
|
Initial
Certificate
Principal
Balance
|
Latest
Possible
Maturity
Date(1)
|
|
II-C
|
Variable(2)
|
$ 19,034,346.30
|
May
25, 2036
|
_______________
(1) For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the
Distribution Date in the month following the maturity date for the Group
II
Mortgage Loan with the latest maturity date has been designated as the “latest
possible maturity date” for the Class II-C Certificates.
(2) The
Class
II-C Certificates will not accrue interest on their uncertificated principal
balance, but will receive 100% of amounts received in respect of the Class
II-C
Interest.
REMIC
VIII
As
provided herein, the Securities Administrator on behalf of the Trustee shall
elect to treat the segregated pool of assets consisting of the Class II-IO
Interest as a REMIC for federal income tax purposes, and such segregated
pool of
assets will be designated as “REMIC VIII”. The Class II-R-8 Interest represents
the sole class of Residual Interests in REMIC VIII for purposes of the REMIC
Provisions.
The
following table sets forth the designation, Pass-Through Rate, initial
Uncertificated Principal Balance and, for purposes of satisfying Treasury
Regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for
the indicated class of interests that represents a Regular Interest in REMIC
VIII created hereunder:
|
Designation
|
Pass-Through
Rate
|
Initial
Uncertificated Principal Balance
|
Latest
Possible
Maturity
Date(1)
|
|
IO(2)
|
(3)
|
(4)
|
May
25, 2036
|
_______________
(1) For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the
Distribution Date in the month following the maturity date for the Group
II
Mortgage Loan with the latest maturity date has been designated as the “latest
possible maturity date” for REMIC VIII Regular Interest IO.
(2) REMIC
VIII Regular Interest IO will be held as an asset of the Group II Supplemental
Interest Trust.
(3) REMIC
VIII Regular Interest IO will not have a Pass-Through Rate, but will receive
100% of amounts received in respect of the Class II-IO Interest.
(4) REMIC
VIII Regular Interest IO will not have an Uncertificated Principal Balance,
but
will have a notional amount equal to the Uncertificated Notional Amount of
the
Class II-IO Interest.
The
Trust
Fund shall be named, and may be referred to as, the “SACO I Trust 2006-5.” The
Certificates issued hereunder may be referred to as “Mortgage-Backed
Certificates, Series 2006-5” (including for purposes of any endorsement or
assignment of a Mortgage Note or Mortgage).
In
consideration of the mutual agreements herein contained, the Depositor, the
Master Servicer, the Securities Administrator, the Sponsor, the Company and
the
Trustee agree as follows:
ARTICLE
I
DEFINITIONS
Section
1.01 Defined
Terms.
Whenever
used in this Agreement, the following words and phrases, unless otherwise
expressly provided or unless the context otherwise requires, shall have the
meanings specified in this Article.
10-K
Filing Deadline: The meaning set forth in Section 3.18(a)(iv).
Accepted
Master Servicing Practices:
With
respect to any Mortgage Loan those customary mortgage master servicing practices
of prudent mortgage master servicing institutions that master service mortgage
loans, of the same type and quality as such Mortgage Loan in the jurisdiction
where the related Mortgaged Property is located, to the extent applicable
to the
Master Servicer (except in its capacity as successor to the Company or a
Servicer).
Accepted
Servicing Practices:
With
respect to each EMC Mortgage Loan, those customary mortgage servicing practices
(including collection procedures) that are in accordance with all applicable
statutes, regulations and prudent mortgage banking practices for mortgage
loans
of the same type and quality as such Mortgage Loan in the jurisdiction where
the
related Mortgaged Property is located.
Account:
The
Distribution Account, the Master Servicer Collection Account, the Group I
Reserve Fund, the Group II Reserve Fund and any Protected Account.
Accrual
Period:
With
respect to the Certificates (other than the Class C Certificates and the
Residual Certificates) and any Distribution Date, the period from and including
the immediately preceding Distribution Date (or with respect to the first
Accrual Period, the Closing Date) to and including the day prior to such
Distribution Date. With respect to the Class C Certificates and Class C
Interests and any Distribution Date, the calendar month immediately preceding
such Distribution Date. All calculations of interest on the Certificates
(other
than the Class C Certificates and the Residual Certificates) will be made
on the
basis of the actual number of days elapsed in the related Accrual Period.
All
calculations of interest on the Class C Certificates and Class C Interests
will
be made on the basis of a 360-day year consisting of twelve 30-day
months.
Additional
Disclosure Notification:
The
form of notice set forth in Exhibit Q.
Additional
Form 10-D Disclosure:
The
meaning set forth in Section 3.19(a)(i).
Additional
Form 10-K Disclosure:
The
meaning set forth in Section 3.19(a)(iii).
Advance:
An
advance of delinquent payments of principal or interest in respect of a Mortgage
Loan required to be made by the Company as provided in Section 6.01(a) hereof
or
by the related Servicer and Master Servicer as provided in Section 6.01(b)
hereof.
Affected
Party:
An
“Affected Party” as defined in the related Swap Agreement.
Agreement:
This
Pooling and Servicing Agreement and any and all amendments or supplements
hereto
made in accordance with the terms herein.
Amount
Held for Future Distribution:
As to
any Distribution Date and the EMC Mortgage Loans, the aggregate amount held
in
the Company’s Protected Account at the close of business on the immediately
preceding Determination Date on account of (i) all Scheduled Payments or
portions thereof received in respect of the EMC Mortgage Loans due after
the
related Due Period and (ii) Principal Prepayments, Liquidation Proceeds,
Subsequent Recoveries and Insurance Proceeds received in respect of such
Mortgage Loans after the last day of the related Prepayment Period. As to
any
Distribution Date and the Mortgage Loans serviced by any Servicer other than
EMC, the aggregate amount held in the Servicer’s Protected Account at the close
of business on the immediately preceding Business Day on account of (i) all
principal payments or portions thereof received in respect of such Mortgage
Loans serviced by it due after the related Due Period and (ii) Principal
Prepayments, Liquidation Proceeds, Subsequent Recoveries and Insurance Proceeds
received in respect of such Mortgage Loans after the last day of the related
Prepayment Period.
Annual
Statement of Compliance:
As
defined in Section 3.16.
Applied
Realized Loss Amount:
With
respect to any Distribution Date and any Class of Class A, Class M and Class
B
Certificates, the sum of the Realized Losses with respect to the Mortgage
Loans
that have been applied in reduction of the Certificate Principal Balance
of a
Class of Certificates pursuant to Section 6.05 of this Agreement which have
not
previously been reimbursed or reduced by any Subsequent Recoveries applied
to
such Applied Realized Loss Amount.
Appraised
Value:
With
respect to any Mortgage Loan originated in connection with a refinancing,
the
appraised value of the Mortgaged Property based upon the appraisal made at
the
time of such refinancing or, with respect to any other Mortgage Loan, the
lesser
of (x) the appraised value of the Mortgaged Property based upon the appraisal
made by a fee appraiser at the time of the origination of the related Mortgage
Loan, and (y) the sales price of the Mortgaged Property at the time of such
origination.
Assignment
Agreement:
The
First Horizon Assignment Agreement or the GMAC Mortgage Corporation Assignment
Agreement, as applicable.
Assessment
of Compliance:
As
defined in Section 3.17.
Attestation
Report:
As
defined in Section 3.17.
Attesting
Party:
As
defined in Section 3.17.
Back-Up
Certification:
As
defined in Section 3.18.
Basis
Risk Shortfall Carry Forward Amount:
The
Group I Basis Risk Shortfall Carry Forward Amount or Group II Basis Risk
Shortfall Carry Forward Amount, as applicable.
Bankruptcy
Code:
Title
11 of the United States Code.
Book-Entry
Certificates:
Any of
the Certificates that shall be registered in the name of the Depository or
its
nominee, the ownership of which is reflected on the books of the Depository
or
on the books of a Person maintaining an account with the Depository (directly,
as a “Depository Participant”, or indirectly, as an indirect participant in
accordance with the rules of the Depository and as described in Section 7.06).
As of the Closing Date, each Class of Regular Certificates (other than the
Class
B-4 Certificates and Class C Certificates) constitutes a Class of Book-Entry
Certificates.
Business
Day:
Any day
other than (i) a Saturday or a Sunday, or (ii) a day on which banking
institutions in The City of New York, New York, Chicago, Illinois, Minneapolis,
Minnesota or any city in which the Corporate Trust Office of the Trustee
or the
Securities Administrator or the principal office of the Company or the Master
Servicer is located are authorized or obligated by law or executive order
to be
closed.
Certificate:
Any one
of the certificates of any Class executed and authenticated by the Securities
Administrator in substantially the forms attached hereto as Exhibits A-1
through
A-5.
Certificate
Margin:
With
respect to the Class I-A Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-A, 0.150% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.300% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-M-1 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-M-1, 0.350% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.525% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-M-2 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-M-2, 0.370% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.555% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-M-3 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-M-3, 0.390% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.585% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-M-4 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-M-4, 0.480% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.720% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-M-5 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-M-5, 0.510% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.765% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-M-6 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-M-6, 0.590% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.885% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-B-1 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-B-1, 1.050% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 1.575% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-B-2 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-B-2, 1.250% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 1.875% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-B-3 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-B-3, 2.100% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 3.150% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class I-B-4 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest I-B-4, 3.500% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 5.250% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-A-1 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-A-1, 0.150% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.300% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-A-2 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-A-2, 0.060% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.120% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-A-3 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-A-3, 0.180% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.360% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-M-1 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-M-1, 0.350% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.525% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-M-2 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-M-2, 0.370% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.555% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-M-3 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-M-3, 0.390% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.585% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-M-4 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-M-4, 0.480% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.720% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-M-5 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-M-5, 0.530% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.795% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-M-6 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-M-6, 0.590% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 0.885% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-B-1 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-B-1, 1.050% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 1.575% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-B-2 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-B-2, 1.250% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 1.875% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-B-3 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-B-3, 2.100% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 3.150% per annum in the case of each Distribution Date
thereafter.
With
respect to the Class II-B-4 Certificates and, for purposes of the definition
of
“Pass-Through Rate”, REMIC III Regular Interest II-B-4, 3.500% per annum in the
case of each Distribution Date through and including the first possible Optional
Termination Date and 5.250% per annum in the case of each Distribution Date
thereafter.
Certificate
Notional Amount:
With
respect to the Class I-C Certificates and any Distribution Date, an amount
equal
to the Stated Principal Balance of the Mortgage Loans as of the beginning
of the
related Due Period. The initial Certificate Notional Amount of the Class
I-C
Certificates shall be $290,154,940.59. With respect to the Class II-C
Certificates and any Distribution Date, an amount equal to the Stated Principal
Balance of the Mortgage Loans as of the beginning of the related Due Period.
The
initial Certificate Notional Amount of the Class II-C Certificates shall
be
$422,968,346.30. For federal income tax purposes, the Certificate Notional
Amount for the Class I-C Certificates and any Distribution Date shall be
an
amount equal to the Uncertificated Notional Amount for the Class I-C Interest
for such Distribution Date. For federal income tax purposes, the Certificate
Notional Amount for the Class II-C Certificates and any Distribution Date
shall
be an amount equal to the Uncertificated Notional Amount for the Class II-C
Interest for such Distribution Date.
Certificate
Owner:
With
respect to a Book-Entry Certificate, the Person that is the beneficial owner
of
such Book-Entry Certificate.
Certificate
Principal Balance:
As to
any Certificate (other than any Class C Certificate and any Class R Certificate)
and as of any Distribution Date, the Initial Certificate Principal Balance
of
such Certificate plus, in the case of a Class A, Class M or Class B Certificate,
any Subsequent Recoveries added to the Certificate Principal Balance of such
Certificate pursuant to Section 6.04(b), less the sum of (i) all amounts
distributed with respect to such Certificate in reduction of the Certificate
Principal Balance thereof on previous Distribution Dates pursuant to Section
6.04, and (ii) any Applied Realized Loss Amounts allocated to such Certificate
on previous Distribution Dates. As to the Class I-C Certificates and as of
any
Distribution Date, an amount equal to the Uncertificated Principal Balance
of
the Class I-C Interest. As to the Class II-C Certificates and as of any
Distribution Date, an amount equal to the Uncertificated Principal Balance
of
the Class II-C Interest.
Certificate
Register:
The
register maintained pursuant to Section 7.02 hereof.
Certificateholder
or Holder:
The
Person in whose name a Certificate is registered in the Certificate Register
(initially, Cede & Co., as nominee for the Depository, in the case of any
Book-Entry Certificates).
Certification
Parties:
The
meaning set forth in Section 3.19(a)(iii).
Certifying
Person:
The
meaning set forth in Section 3.19(a)(iii).
Class:
All
Certificates bearing the same Class designation as set forth in Section 7.01
hereof.
Class
A Certificates:
Any of
the Class I-A Certificates or Class II-A Certificates.
Class
B Certificates:
Any of
the Class I-B Certificates or Class II-B Certificates.
Class
B-4 Certificates:
Any of
the Class I-B-4 Certificates and Class II-B-4 Certificates
Class
C Certificate:
Any of
the Class I-C Certificates or Class II-C Certificates.
Class
C Interest:
Any of
the Class I-C Interest or Class II-C Interest.
Class
IO Interest:
Any of
the Class I-IO Interest and Class II-IO Interest.
Class
M Certificates:
Any of
the Class I-M Certificates and Class II-M Certificates.
Class
R Certificate:
Any of
the Class I-R Certificates and Class II-R Certificates.
Class
I-A Certificate:
Any
Certificate designated as a “Class I-A Certificate” on the face thereof, in the
form of Exhibit A-1 hereto, representing the right to the Percentage Interest
of
distributions provided for the Class I-A Certificates as set forth herein
and
evidencing (i) a Regular Interest in REMIC IV, (ii) the right to receive
related
Basis Risk Shortfall Carry Forward Amounts and (iii) the obligation to pay
related Class IO Distribution Amounts.
Class
I-A Principal Distribution Amount:
For any
Distribution Date an amount equal to the lesser of (I) the Group I Principal
Distribution Amount for such Distribution Date and (II) an amount equal to
the
excess (if any) of (A) the Certificate Principal Balance of the Class I-A
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
I
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 39.30% and (y) (1) the aggregate
Stated Principal Balance of the Group I Mortgage Loans as of the last day
of the
related Due Period (after giving effect to scheduled payments of principal
due
during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group I Overcollateralization Floor.
Class
I-B Certificates:
Any of
the Class I-B-1, Class I-B-2, Class I-B-3 or Class I-B-4
Certificates.
Class
I-B-1 Certificate:
Any
Certificate designated as a “Class I-B-1 Certificate” on the face thereof, in
the form of Exhibit A-3 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-B-1 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-B-1 Principal Distribution Amount:
For any
Distribution Date, an amount equal to, the lesser of (I) the Group I Principal
Distribution Amount remaining after distribution of the Class I-A Principal
Distribution Amount, the Class I-M-1 Principal Distribution Amount, the Class
I-M-2 Principal Distribution Amount, the Class I-M-3 Principal Distribution
Amount, the Class I-M-4 Principal Distribution Amount, the Class I-M-5 Principal
Distribution Amount and the Class I-M-6 Principal Distribution Amount and
(II)
an amount equal to the excess (if any) of (A) the sum of (1) the Certificate
Principal Balance of the Class I-A Certificates (after taking into account
the
payment of the Class I-A Principal Distribution Amount on such Distribution
Date), (2) the Certificate Principal Balance of the Class I-M-1 Certificates
(after taking into account the payment of the Class I-M-1 Principal Distribution
Amount on such Distribution Date), (3) the Certificate Principal Balance
of the
Class I-M-2 Certificates (after taking into account the payment of the Class
I-M-2 Principal Distribution Amount on such Distribution Date), (4) the
Certificate Principal Balance of the Class I-M-3 Certificates (after taking
into
account the payment of the Class I-M-3 Principal Distribution Amount on such
Distribution Date), (5) the Certificate Principal Balance of the Class I-M-4
Certificates (after taking into account the payment of the Class I-M-4 Principal
Distribution Amount on such Distribution Date), (6) the Certificate Principal
Balance of the Class I-M-5 Certificates (after taking into account the payment
of the Class I-M-5 Principal Distribution Amount on such Distribution Date),
(7)
the Certificate Principal Balance of the Class I-M-6 Certificates (after
taking
into account the payment of the Class I-M-6
Principal Distribution Amount on such Distribution Date) and (8)
the
Certificate Principal Balance of the Class I-B-1 Certificates immediately
prior
to such Distribution Date, over (B) the lesser of (x) the product of (1)
the
aggregate Stated Principal Balance of the Group I Mortgage Loans as of the
last
day of the related Due Period (after giving effect to scheduled payments
of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period) and (2) 79.40% and (y) (1) the aggregate Stated Principal Balance
of the
Group I Mortgage Loans as of the last day of the related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period), less (2) the Group
I
Overcollateralization Floor.
Class
I-B-2 Certificate:
Any
Certificate designated as a “Class I-B-2 Certificate” on the face thereof, in
the form of Exhibit A-3 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-B-2 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-B-2 Principal Distribution Amount:
For any
Distribution Date, an amount equal to, the lesser of (I) the Group I Principal
Distribution Amount remaining after distribution of the Class I-A Principal
Distribution Amount, the Class I-M-1 Principal Distribution Amount, the Class
I-M-2 Principal Distribution Amount, the Class I-M-3 Principal Distribution
Amount, the Class I-M-4 Principal Distribution Amount, the Class I-M-5 Principal
Distribution Amount, the Class I-M-6 Principal Distribution Amount and the
Class
I-B-1 Principal Distribution Amount and (II) an amount equal to the excess
(if
any) of (A) the sum of (1) the Certificate Principal Balance of the Class
I-A
Certificates (after taking into account the payment of the Class I-A Principal
Distribution Amount on such Distribution Date), (2) the Certificate Principal
Balance of the Class I-M-1 Certificates (after taking into account the payment
of the Class I-M-1 Principal Distribution Amount on such Distribution Date),
(3)
the Certificate Principal Balance of the Class I-M-2 Certificates (after
taking
into account the payment of the Class I-M-2 Principal Distribution Amount
on
such Distribution Date), (4) the Certificate Principal Balance of the Class
I-M-3 Certificates (after taking into account the payment of the Class I-M-3
Principal Distribution Amount on such Distribution Date), (5) the Certificate
Principal Balance of the Class I-M-4 Certificates (after taking into account
the
payment of the Class I-M-4 Principal Distribution Amount on such Distribution
Date), (6) the Certificate Principal Balance of the Class I-M-5 Certificates
(after taking into account the payment of the Class I-M-5 Principal Distribution
Amount on such Distribution Date), (7) the Certificate Principal Balance
of the
Class I-M-6 Certificates (after taking into account the payment of the Class
I-M-6 Principal Distribution Amount on such Distribution Date), (8) the
Certificate Principal Balance of the Class I-B-1 Certificates (after taking
into
account the payment of the Class I-B-1 Principal Distribution Amount on such
Distribution Date) and (9) the Certificate Principal Balance of the Class
I-B-2
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
I
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 82.40% and (y) (1) the aggregate
Stated Principal Balance of the Group I Mortgage Loans as of the last day
of the
related Due Period (after giving effect to scheduled payments of principal
due
during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group I Overcollateralization Floor.
Class
I-B-3 Certificate:
Any
Certificate designated as a “Class I-B-3 Certificate” on the face thereof, in
the form of Exhibit A-3 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-B-3 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-B-3 Principal Distribution Amount:
For any
Distribution Date, an amount equal to, the lesser of (I) the Group I Principal
Distribution Amount remaining after distribution of the Class I-A Principal
Distribution Amount, the Class I-M-1 Principal Distribution Amount, the Class
I-M-2 Principal Distribution Amount, the Class I-M-3 Principal Distribution
Amount, the Class I-M-4 Principal Distribution Amount, the Class I-M-5 Principal
Distribution Amount, the Class I-M-6 Principal Distribution Amount, the Class
I-B-1 Principal Distribution Amount and the Class I-B-2 Principal Distribution
Amount and (II) an amount equal to the excess (if any) of (A) the sum of
(1) the
Certificate Principal Balance of the Class I-A Certificates (after taking
into
account the payment of the Class I-A Principal Distribution Amount on such
Distribution Date), (2) the Certificate Principal Balance of the Class I-M-1
Certificates (after taking into account the payment of the Class I-M-1 Principal
Distribution Amount on such Distribution Date), (3) the Certificate Principal
Balance of the Class I-M-2 Certificates (after taking into account the payment
of the Class I-M-2 Principal Distribution Amount on such Distribution Date),
(4)
the Certificate Principal Balance of the Class I-M-3 Certificates (after
taking
into account the payment of the Class I-M-3 Principal Distribution Amount
on
such Distribution Date), (5) the Certificate Principal Balance of the Class
I-M-4 Certificates (after taking into account the payment of the Class I-M-4
Principal Distribution Amount on such Distribution Date), (6) the Certificate
Principal Balance of the Class I-M-5 Certificates (after taking into account
the
payment of the Class I-M-5 Principal Distribution Amount on such Distribution
Date), (7) the Certificate Principal Balance of the Class I-M-6 Certificates
(after taking into account the payment of the Class I-M-6 Principal Distribution
Amount on such Distribution Date), (8) the Certificate Principal Balance
of the
Class I-B-1 Certificates (after taking into account the payment of the Class
I-B-1 Principal Distribution Amount on such Distribution Date), (9) the
Certificate Principal Balance of the Class I-B-2 Certificates (after taking
into
account the payment of the Class I-B-2 Principal Distribution Amount on such
Distribution Date) and (10) the Certificate Principal Balance of the Class
I-B-3
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
I
Loans as of the last day of the related Due Period (after giving effect to
scheduled payments of principal due during the related Due Period, to the
extent
received or advanced, and unscheduled collections of principal received during
the related Prepayment Period, and after reduction for Realized Losses incurred
during the related Due Period) and (2) 85.00% and (y) (1) the aggregate Stated
Principal Balance of the Group I Mortgage Loans as of the last day of the
related Due Period (after giving effect to scheduled payments of principal
due
during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group I Overcollateralization Floor.
Class
I-B-4 Certificate:
Any
Certificate designated as a “Class I-B-4 Certificate” on the face thereof, in
the form of Exhibit A-3 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-B-4 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-B-4 Principal Distribution Amount:
For any
Distribution Date, an amount equal to, the lesser of (I) the Group I Principal
Distribution Amount remaining after distribution of the Class I-A Principal
Distribution Amount, the Class I-M-1 Principal Distribution Amount, the Class
I-M-2 Principal Distribution Amount, the Class I-M-3 Principal Distribution
Amount, the Class I-M-4 Principal Distribution Amount, the Class I-M-5 Principal
Distribution Amount, the Class I-M-6 Principal Distribution Amount, the Class
I-B-1 Principal Distribution Amount, the Class I-B-2 Principal Distribution
Amount and the Class I-B-3 Principal Distribution Amount and (II) an amount
equal to the excess (if any) of (A) the sum of (1) the Certificate Principal
Balance of the Class I-A Certificates (after taking into account the payment
of
the Class I-A Principal Distribution Amount on such Distribution Date), (2)
the
Certificate Principal Balance of the Class I-M-1 Certificates (after taking
into
account the payment of the Class I-M-1 Principal Distribution Amount on such
Distribution Date), (3) the Certificate Principal Balance of the Class I-M-2
Certificates (after taking into account the payment of the Class I-M-2 Principal
Distribution Amount on such Distribution Date), (4) the Certificate Principal
Balance of the Class I-M-3 Certificates (after taking into account the payment
of the Class I-M-3 Principal Distribution Amount on such Distribution Date),
(5)
the Certificate Principal Balance of the Class I-M-4 Certificates (after
taking
into account the payment of the Class I-M-4 Principal Distribution Amount
on
such Distribution Date), (6) the Certificate Principal Balance of the Class
I-M-5 Certificates (after taking into account the payment of the Class I-M-5
Principal Distribution Amount on such Distribution Date), (7) the Certificate
Principal Balance of the Class I-M-6 Certificates (after taking into account
the
payment of the Class I-M-6 Principal Distribution Amount on such Distribution
Date), (8) the Certificate Principal Balance of the Class I-B-1 Certificates
(after taking into account the payment of the Class I-B-1 Principal Distribution
Amount on such Distribution Date), (9) the Certificate Principal Balance
of the
Class I-B-2 Certificates (after taking into account the payment of the Class
I-B-2 Principal Distribution Amount on such Distribution Date), (10) the
Certificate Principal Balance of the Class I-B-3 Certificates (after taking
into
account the payment of the Class I-B-3 Principal Distribution Amount on such
Distribution Date) and (11) the Certificate Principal Balance of the Class
I-B-4
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Mortgage
Loans as of the last day of the related Due Period (after giving effect to
scheduled payments of principal due during the related Due Period, to the
extent
received or advanced, and unscheduled collections of principal received during
the related Prepayment Period, and after reduction for Realized Losses incurred
during the related Due Period) and (2) approximately 88.20% and (y) (1) the
aggregate Stated Principal Balance of the Group I Mortgage Loans as of the
last
day of the related Due Period (after giving effect to scheduled payments
of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group I Overcollateralization Floor.
Class
I-C Certificate:
Any
Certificate designated as a “Class I-C Certificate” on the face thereof, in the
form of Exhibit A-4 hereto, representing the right to its Percentage Interest
of
distributions provided for the Class I-C Certificates herein and evidencing
(i)
a Regular Interest in REMIC V, (ii) the obligation to pay amounts in respect
of
Group I Basis Risk Shortfall Carry Forward Amounts, (iii)
the
right to receive Prepayment Charge Waiver Amounts related to any Group I
Mortgage Loans
and (iv)
the right to receive related Class IO Distribution Amounts.
Class
I-C Distribution Amount:
With
respect to any Distribution Date, the sum of (i) the Current Interest for
the
Class I-C Interest for such Distribution Date, (ii) any Group I
Overcollateralization Release Amount for such Distribution Date and (iii)
without duplication, any Subsequent Recoveries related to Loan Group I not
distributed to the Class I-A, Class I-M and Class I-B Certificates on such
Distribution Date; provided, however, that, on any Distribution Date after
the
Distribution Date on which the Certificate Principal Balances of the Class
I-A,
Class I-M and Class I-B Certificates have been reduced to zero, the Class
I-C
Distribution Amount shall include the Group I Overcollateralization
Amount.
Class
I-C Interest:
An
uncertificated interest in the Trust Fund held by the Trustee on behalf of
the
Holders of the Class I-C Certificates, evidencing a Regular Interest in REMIC
IV
for purposes of the REMIC Provisions.
Class
I-IO Interest:
An
uncertificated interest in the Trust Fund held by the Trustee on behalf of
the
holders of REMIC VI Regular Interest IO, evidencing a Regular Interest in
REMIC
IV for purposes of the REMIC Provisions.
Class
I-M Certificates:
Any of
the Class I-M-1, Class I-M-2, Class I-M-3, Class I-M-4, Class I-M-5 or Class
I-M-6 Certificates.
Class
I-M-1 Certificate:
Any
Certificate designated as a “Class I-M-1 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-M-1 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-M-1 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
I
Principal Distribution Amount for such Distribution Date after distribution
of
the Class I-A Principal Distribution Amount and (II) an amount equal to the
excess, (if any), of (A) the sum of (1) the Certificate Principal Balance
of the
Class I-A Certificates (after taking into account the distribution of the
Class
I-A Principal Distribution Amount on such Distribution Date) and (2) the
Certificate Principal Balance of the Class I-M-1 Certificates immediately
prior
to such Distribution Date, over (B) the lesser of (x) the product of (1)
the
aggregate Stated Principal Balance of the Group I Mortgage Loans as of the
last
day of the related Due Period (after giving effect to scheduled payments
of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period) and (2) 49.80% and (y) (1) the aggregate Stated Principal Balance
of the
Group I Mortgage Loans as of the last day of the related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period), less (2) the Group
I
Overcollateralization Floor.
Class
I-M-2 Certificate:
Any
Certificate designated as a “Class I-M-2 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-M-2 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-M-2 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
I
Principal Distribution Amount for such Distribution Date after distribution
of
the Class I-A Principal Distribution Amount and the Class I-M-1 Principal
Distribution Amount and (II) an amount equal to the excess, (if any), of
(A) the
sum of (1) the Certificate Principal Balance of the Class I-A Certificates
(after taking into account the distribution of the Class I-A Principal
Distribution Amount on such Distribution Date), (2) the Certificate Principal
Balance of the Class I-M-1 Certificates (after taking into account the
distribution of the Class I-M-1 Principal Distribution Amount on such
Distribution Date) and (3) the Certificate Principal Balance of the Class
I-M-2
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
I
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 60.50% and (y) (1) the aggregate
Stated Principal Balance of the Group I Mortgage Loans as of the last day
of the
related Due Period (after giving effect to scheduled payments of principal
due
during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group I Overcollateralization Floor.
Class
I-M-3 Certificate:
Any
Certificate designated as a “Class I-M-3 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-M-3 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-M-3 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
I
Principal Distribution Amount for such Distribution Date after distribution
of
the Class I-A Principal Distribution Amount, the Class I-M-1 Principal
Distribution Amount and the Class I-M-2 Principal Distribution Amount and
(II)
an amount equal to the excess, (if any), of (A) the sum of (1) the Certificate
Principal Balance of the Class I-A Certificates (after taking into account
the
distribution of the Class I-A Principal Distribution Amount on such Distribution
Date), (2) the Certificate Principal Balance of the Class I-M-1 Certificates
(after taking into account the distribution of the Class I-M-1 Principal
Distribution Amount on such Distribution Date), (3) the Certificate Principal
Balance of the Class I-M-2 Certificates (after taking into account the
distribution of the Class I-M-2 Principal Distribution Amount on such
Distribution Date) and (4) the Certificate Principal Balance of the Class
I-M-3
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
I
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 64.30% and (y) (1) the aggregate
Stated Principal Balance of the Group I Mortgage Loans as of the last day
of the
related Due Period (after giving effect to scheduled payments of principal
due
during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group I Overcollateralization Floor.
Class
I-M-4 Certificate:
Any
Certificate designated as a “Class I-M-4 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-M-4 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-M-4 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
I
Principal Distribution Amount for such Distribution Date after distribution
of
the Class I-A Principal Distribution Amount, the Class I-M-1 Principal
Distribution Amount, the Class I-M-2 Principal Distribution Amount and the
Class
I-M-3 Principal Distribution Amount and (II) an amount equal to the excess,
(if
any), of (A) the sum of (1) the Certificate Principal Balance of the Class
I-A
Certificates (after taking into account the distribution of the Class I-A
Principal Distribution Amount on such Distribution Date), (2) the Certificate
Principal Balance of the Class I-M-1 Certificates (after taking into account
the
distribution of the Class I-M-1 Principal Distribution Amount on such
Distribution Date), (3) the Certificate Principal Balance of the Class I-M-2
Certificates (after taking into account the distribution of the Class I-M-2
Principal Distribution Amount on such Distribution Date), (4) the Certificate
Principal Balance of the Class I-M-3 Certificates (after taking into account
the
distribution of the Class I-M-3 Principal Distribution Amount on such
Distribution Date) and (5) the Certificate Principal Balance of the Class
I-M-4
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
I
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 69.10% and (y) (1) the aggregate
Stated Principal Balance of the Group I Mortgage Loans as of the last day
of the
related Due Period (after giving effect to scheduled payments of principal
due
during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group I Overcollateralization Floor.
Class
I-M-5 Certificate:
Any
Certificate designated as a “Class I-M-5 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-M-5 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-M-5 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
I
Principal Distribution Amount for such Distribution Date after distribution
of
the Class I-A Principal Distribution Amount, the Class I-M-1 Principal
Distribution Amount, the Class I-M-2 Principal Distribution Amount, the Class
I-M-3 Principal Distribution Amount and the Class I-M-4 Principal Distribution
Amount and (II) an amount equal to the excess, (if any), of (A) the sum of
(1)
the Certificate Principal Balance of the Class I-A Certificates (after taking
into account the distribution of the Class I-A Principal Distribution Amount
on
such Distribution Date), (2) the Certificate Principal Balance of the Class
I-M-1 Certificates (after taking into account the distribution of the Class
I-M-1 Principal Distribution Amount on such Distribution Date), (3) the
Certificate Principal Balance of the Class I-M-2 Certificates (after taking
into
account the distribution of the Class I-M-2 Principal Distribution Amount
on
such Distribution Date), (4) the Certificate Principal Balance of the Class
I-M-3 Certificates (after taking into account the distribution of the Class
I-M-3 Principal Distribution Amount on such Distribution Date), (5) the
Certificate Principal Balance of the Class I-M-4 Certificates (after taking
into
account the distribution of the Class I-M-4 Principal Distribution Amount
on
such Distribution Date) and (6) the Certificate Principal Balance of the
Class
I-M-5 Certificates immediately prior to such Distribution Date, over (B)
the
lesser of (x) the product of (1) the aggregate Stated Principal Balance of
the
Group I Mortgage Loans as of the last day of the related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period) and (2) 73.40% and
(y)
(1) the aggregate Stated Principal Balance of the Group I Mortgage Loans
as of
the last day of the related Due Period (after giving effect to scheduled
payments of principal due during the related Due Period, to the extent received
or advanced, and unscheduled collections of principal received during the
related Prepayment Period, and after reduction for Realized Losses incurred
during the related Due Period), less (2) the Group I Overcollateralization
Floor.
Class
I-M-6 Certificate:
Any
Certificate designated as a “Class I-M-6 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class I-M-6 Certificates as set
forth
herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the right
to
receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
I-M-6 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
I
Principal Distribution Amount for such Distribution Date after distribution
of
the Class I-A Principal Distribution Amount, the Class I-M-1 Principal
Distribution Amount, the Class I-M-2 Principal Distribution Amount, the Class
I-M-3 Principal Distribution Amount, the Class I-M-4 Principal Distribution
Amount and the Class I-M-5 Principal Distribution Amount and (II) an amount
equal to the excess, (if any), of (A) the sum of (1) the Certificate Principal
Balance of the Class I-A Certificates (after taking into account the
distribution of the Class I-A Principal Distribution Amount on such Distribution
Date), (2) the Certificate Principal Balance of the Class I-M-1 Certificates
(after taking into account the distribution of the Class I-M-1 Principal
Distribution Amount on such Distribution Date), (3) the Certificate Principal
Balance of the Class I-M-2 Certificates (after taking into account the
distribution of the Class I-M-2 Principal Distribution Amount on such
Distribution Date), (4) the Certificate Principal Balance of the Class I-M-3
Certificates (after taking into account the distribution of the Class I-M-3
Principal Distribution Amount on such Distribution Date), (5) the Certificate
Principal Balance of the Class I-M-4 Certificates (after taking into account
the
distribution of the Class I-M-4 Principal Distribution Amount on such
Distribution Date), (6) the Certificate Principal Balance of the Class I-M-5
Certificates (after taking into account the distribution of the Class I-M-5
Principal Distribution Amount on such Distribution Date) and (7) the Certificate
Principal Balance of the Class I-M-6 Certificates immediately prior to such
Distribution Date, over (B) the lesser of (x) the product of (1) the aggregate
Stated Principal Balance of the Group I Mortgage Loans as of the last day
of the
related Due Period (after giving effect to scheduled payments of principal
due
during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period) and (2) 76.30% and (y) (1) the aggregate Stated Principal Balance
of the
Group I Mortgage Loans as of the last day of the related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period), less (2) the Group
I
Overcollateralization Floor.
Class
I-R Certificate:
Any of
the Class I-R-1, Class I-R-2, Class I-R-3 and Class I-RX
Certificates.
Class
I-R-1 Certificate:
Any
Certificate designated a “Class I-R-1 Certificate” on the face thereof, in
substantially the form set forth in Exhibit A-5 hereto, evidencing the Residual
Interest in REMIC I and representing the right to the Percentage Interest
of
distributions provided for the Class I-R-1 Certificates as set forth
herein.
Class
I-R-2 Certificate:
Any
Certificate designated a “Class I-R-2 Certificate” on the face thereof, in
substantially the form set forth in Exhibit A-5 hereto, evidencing the Residual
Interest in REMIC III and representing the right to the Percentage Interest
of
distributions provided for the Class I-R-2 Certificates as set forth
herein.
Class
I-R-3 Certificate:
Any
Certificate designated a “Class I-R-3 Certificate” on the face thereof, in
substantially the form set forth in Exhibit A-5 hereto, evidencing the Residual
Interest in REMIC IV and representing the right to the Percentage Interest
of
distributions provided for the Class I-R-3 Certificates as set forth
herein.
Class
I-RX Certificate:
Any
Certificate designated a “Class I-RX Certificate” on the face thereof, in
substantially the form set forth in Exhibit A-5 hereto, evidencing the ownership
of the Class I-R-5 Interest and Class I-R-6 Interest and representing the
right
to the Percentage Interest of distributions provided for the Class I-RX
Certificates as set forth herein.
Class
I-R-5 Interest:
The
uncertificated Residual Interest in REMIC V.
Class
I-R-6 Interest:
The
uncertificated Residual Interest in REMIC VI.
Class
II-A Certificates:
Any of
the Class II-A-1, Class II-A-2 or Class II-A-3 Certificates.
Class
II-A Principal Distribution Amount:
For any
Distribution Date an amount equal to the lesser of (I) the Group II Principal
Distribution Amount for such Distribution Date and (II) an amount equal to
the
excess (if any) of (A) the Certificate Principal Balance of the Class II-A
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
II
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 42.80% and (y) (1) the aggregate
Stated Principal Balance of the Group II Mortgage Loans as of the last day
of
the related Due Period (after giving effect to scheduled payments of principal
due during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group II Overcollateralization Floor.
Class
II-A-1 Certificate:
Any
Certificate designated as a “Class II-A-1 Certificate” on the face thereof, in
the form of Exhibit A-1 hereto, representing the right to the Percentage
Interest of distributions provided for the Class II-A-1 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-A-2 Certificate:
Any
Certificate designated as a “Class II-A-2 Certificate” on the face thereof, in
the form of Exhibit A-1 hereto, representing the right to the Percentage
Interest of distributions provided for the Class II-A-2 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-A-3 Certificate:
Any
Certificate designated as a “Class II-A-3 Certificate” on the face thereof, in
the form of Exhibit A-1 hereto, representing the right to the Percentage
Interest of distributions provided for the Class II-A-3 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-B Certificates:
Any of
the Class II-B-1, Class II-B-2, Class II-B-3 or Class II-B-4
Certificates.
Class
II-B-1 Certificate:
Any
Certificate designated as a “Class II-B-1 Certificate” on the face thereof, in
the form of Exhibit A-3 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-B-1 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-B-1 Principal Distribution Amount:
For any
Distribution Date, an amount equal to, the lesser of (I) the Group II Principal
Distribution Amount remaining after distribution of the Class II-A Principal
Distribution Amount, the Class II-M-1 Principal Distribution Amount, the
Class
II-M-2 Principal Distribution Amount, the Class II-M-3 Principal Distribution
Amount, the Class II-M-4 Principal Distribution Amount, the Class II-M-5
Principal Distribution Amount and the Class II-M-6 Principal Distribution
Amount
and (II) an amount equal to the excess (if any) of (A) the sum of (1) the
Certificate Principal Balances of the Class II-A Certificates (after taking
into
account the payment of the Class II-A Principal Distribution Amount), (2)
the
Certificate Principal Balance of the Class II-M-1 Certificates (after taking
into account the distribution of the Class II-M-1 Principal Distribution
Amount
on such Distribution Date), (3) the Certificate Principal Balance of the
Class
II-M-2 Certificates (after taking into account the distribution of the Class
II-M-2 Principal Distribution Amount on such Distribution Date), (4) the
Certificate Principal Balance of the Class II-M-3 Certificates (after taking
into account the distribution of the Class II-M-3 Principal Distribution
Amount
on such Distribution Date), (5) the Certificate Principal Balance of the
Class
II-M-4 Certificates (after taking into account the distribution of the Class
II-M-4 Principal Distribution Amount on such Distribution Date), (6) the
Certificate Principal Balance of the Class II-M-5 Certificates (after taking
into account the distribution of the Class II-M-5 Principal Distribution
Amount
on such Distribution Date), (7) the Certificate Principal Balance of the
Class
II-M-6 Certificates (after taking into account the distribution of the Class
II-M-6 Principal Distribution Amount on such Distribution Date) and (8) the
Certificate Principal Balance of the Class II-B-1 Certificates immediately
prior
to that Distribution Date, over (B) the lesser of (x) the product of (1)
the
aggregate Stated Principal Balance of the Group II Mortgage Loans as of the
last
day of the related Due Period (after giving effect to scheduled payments
of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period) and (2) 82.90% and (y) (1) the aggregate Stated Principal Balance
of the
Group II Mortgage Loans as of the last day of the related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period), less (2) the Group
II
Overcollateralization Floor.
Class
II-B-2 Certificate:
Any
Certificate designated as a “Class II-B-2 Certificate” on the face thereof, in
the form of Exhibit A-3 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-B-2 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-B-2 Principal Distribution Amount:
For any
Distribution Date, an amount equal to, the lesser of (I) the Group II Principal
Distribution Amount remaining after distribution of the Class II-A Principal
Distribution Amount, the Class II-M-1 Principal Distribution Amount, the
Class
II-M-2 Principal Distribution Amount, the Class II-M-3 Principal Distribution
Amount, the Class II-M-4 Principal Distribution Amount, the Class II-M-5
Principal Distribution Amount, the Class II-M-6 Principal Distribution Amount
and the Class II-B-1 Principal Distribution Amount and (II) an amount equal
to
the excess (if any) of (A) the sum of (1) the Certificate Principal Balances
of
the Class II-A Certificates (after taking into account the payment of the
Class
II-A Principal Distribution Amount), (2) the Certificate Principal Balance
of
the Class II-M-1 Certificates (after taking into account the distribution
of the
Class II-M-1 Principal Distribution Amount on such Distribution Date), (3)
the
Certificate Principal Balance of the Class II-M-2 Certificates (after taking
into account the distribution of the Class II-M-2 Principal Distribution
Amount
on such Distribution Date), (4) the Certificate Principal Balance of the
Class
II-M-3 Certificates (after taking into account the distribution of the Class
II-M-3 Principal Distribution Amount on such Distribution Date), (5) the
Certificate Principal Balance of the Class II-M-4 Certificates (after taking
into account the distribution of the Class II-M-4 Principal Distribution
Amount
on such Distribution Date), (6) the Certificate Principal Balance of the
Class
II-M-5 Certificates (after taking into account the distribution of the Class
II-M-5 Principal Distribution Amount on such Distribution Date), (7) the
Certificate Principal Balance of the Class II-M-6 Certificates (after taking
into account the distribution of the Class II-M-6 Principal Distribution
Amount
on such Distribution Date), (8) the Certificate Principal Balance of the
Class
II-B-1 Certificates (after taking into account the distribution of the Class
II-B-1 Principal Distribution Amount on such Distribution Date) and (9) the
Certificate Principal Balance of the Class II-B-2 Certificates immediately
prior
to that Distribution Date, over (B) the lesser of (x) the product of (1)
the
aggregate Stated Principal Balance of the Group II Mortgage Loans as of the
last
day of the related Due Period (after giving effect to scheduled payments
of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period) and (2) 85.80% and (y) (1) the aggregate Stated Principal Balance
of the
Group II Mortgage Loans as of the last day of the related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period), less (2) the Group
II
Overcollateralization Floor.
Class
II-B-3 Certificate:
Any
Certificate designated as a “Class II-B-3 Certificate” on the face thereof, in
the form of Exhibit A-3 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-B-3 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-B-3 Principal Distribution Amount:
For any
Distribution Date, an amount equal to, the lesser of (I) the Group II Principal
Distribution Amount remaining after distribution of the Class II-A Principal
Distribution Amount, the Class II-M-1 Principal Distribution Amount, the
Class
II-M-2 Principal Distribution Amount, the Class II-M-3 Principal Distribution
Amount, the Class II-M-4 Principal Distribution Amount, the Class II-M-5
Principal Distribution Amount, the Class II-M-6 Principal Distribution Amount,
the Class II-B-1 Principal Distribution Amount and the Class II-B-2 Principal
Distribution Amount and (II) an amount equal to the excess (if any) of (A)
the
sum of (1) the Certificate Principal Balances of the Class II-A Certificates
(after taking into account the payment of the Class II-A Principal Distribution
Amount), (2) the Certificate Principal Balance of the Class II-M-1 Certificates
(after taking into account the distribution of the Class II-M-1 Principal
Distribution Amount on such Distribution Date), (3) the Certificate Principal
Balance of the Class II-M-2 Certificates (after taking into account the
distribution of the Class II-M-2 Principal Distribution Amount on such
Distribution Date), (4) the Certificate Principal Balance of the Class II-M-3
Certificates (after taking into account the distribution of the Class II-M-3
Principal Distribution Amount on such Distribution Date), (5) the Certificate
Principal Balance of the Class II-M-4 Certificates (after taking into account
the distribution of the Class II-M-4 Principal Distribution Amount on such
Distribution Date), (6) the Certificate Principal Balance of the Class II-M-5
Certificates (after taking into account the distribution of the Class II-M-5
Principal Distribution Amount on such Distribution Date), (7) the Certificate
Principal Balance of the Class II-M-6 Certificates (after taking into account
the distribution of the Class II-M-6 Principal Distribution Amount on such
Distribution Date), (8) the Certificate Principal Balance of the Class II-B-1
Certificates (after taking into account the distribution of the Class II-B-1
Principal Distribution Amount on such Distribution Date), (9) the Certificate
Principal Balance of the Class II-B-2 Certificates (after taking into account
the distribution of the Class II-B-2 Principal Distribution Amount on such
Distribution Date) and (10) the Certificate Principal Balance of the Class
II-B-3 Certificates immediately prior to that Distribution Date, over (B)
the
lesser of (x) the product of (1) the aggregate Stated Principal Balance of
the
Group II Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 88.60% and (y) (1) the aggregate
Stated Principal Balance of the Group II Mortgage Loans as of the last day
of
the related Due Period (after giving effect to scheduled payments of principal
due during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group II Overcollateralization Floor.
Class
II-B-4 Certificate:
Any
Certificate designated as a “Class II-B-4 Certificate” on the face thereof, in
the form of Exhibit A-3 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-B-4 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-B-4 Principal Distribution Amount:
For any
Distribution Date, an amount equal to, the lesser of (I) the Group II Principal
Distribution Amount remaining after distribution of the Class II-A Principal
Distribution Amount, the Class II-M-1 Principal Distribution Amount, the
Class
II-M-2 Principal Distribution Amount, the Class II-M-3 Principal Distribution
Amount, the Class II-M-4 Principal Distribution Amount, the Class II-M-5
Principal Distribution Amount, the Class II-M-6 Principal Distribution Amount,
the Class II-B-1 Principal Distribution Amount, the Class II-B-2 Principal
Distribution Amount and the Class II-B-3 Principal Distribution Amount and
(II)
an amount equal to the excess (if any) of (A) the sum of (1) the Certificate
Principal Balances of the Class II-A Certificates (after taking into account
the
payment of the Class II-A Principal Distribution Amount), (2) the Certificate
Principal Balance of the Class II-M-1 Certificates (after taking into account
the distribution of the Class II-M-1 Principal Distribution Amount on such
Distribution Date), (3) the Certificate Principal Balance of the Class II-M-2
Certificates (after taking into account the distribution of the Class II-M-2
Principal Distribution Amount on such Distribution Date), (4) the Certificate
Principal Balance of the Class II-M-3 Certificates (after taking into account
the distribution of the Class II-M-3 Principal Distribution Amount on such
Distribution Date), (5) the Certificate Principal Balance of the Class II-M-4
Certificates (after taking into account the distribution of the Class II-M-4
Principal Distribution Amount on such Distribution Date), (6) the Certificate
Principal Balance of the Class II-M-5 Certificates (after taking into account
the distribution of the Class II-M-5 Principal Distribution Amount on such
Distribution Date), (7) the Certificate Principal Balance of the Class II-M-6
Certificates (after taking into account the distribution of the Class II-M-6
Principal Distribution Amount on such Distribution Date), (8) the Certificate
Principal Balance of the Class II-B-1 Certificates (after taking into account
the distribution of the Class II-B-1 Principal Distribution Amount on such
Distribution Date), (9) the Certificate Principal Balance of the Class II-B-2
Certificates (after taking into account the distribution of the Class II-B-2
Principal Distribution Amount on such Distribution Date), (10) the Certificate
Principal Balance of the Class II-B-3 Certificates (after taking into account
the distribution of the Class II-B-3 Principal Distribution Amount on such
Distribution Date) and (11) the Certificate Principal Balance of the Class
II-B-4 Certificates immediately prior to that Distribution Date, over (B)
the
lesser of (x) the product of (1) the aggregate Stated Principal Balance of
the
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 91.00% and (y) (1) the aggregate
Stated Principal Balance of the Group II Mortgage Loans as of the last day
of
the related Due Period (after giving effect to scheduled payments of principal
due during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group II Overcollateralization Floor.
Class
II-C Certificate:
Any
Certificate designated as a “Class II-C Certificate” on the face thereof, in the
form of Exhibit A-4 hereto, representing the right to its Percentage Interest
of
distributions provided for the Class II-C Certificates herein and evidencing
(i)
a Regular Interest in REMIC VII, (ii) the obligation to pay amounts in respect
of Group II Basis Risk Shortfall Carry Forward Amounts, (iii) the right to
receive Prepayment Charge Waiver Amounts related to any Group II Mortgage
Loans
and (iv) the right to receive related Class IO Distribution
Amounts.
Class
II-C Distribution Amount:
With
respect to any Distribution Date, the sum of (i) the Current Interest for
the
Class II-C Interest for such Distribution Date, (ii) any Group II
Overcollateralization Release Amount for such Distribution Date and (iii)
without duplication, any Subsequent Recoveries related to Loan Group II not
distributed to the Class II-A, Class II-M and Class II-B Certificates on
such
Distribution Date; provided, however, that, on any Distribution Date after
the
Distribution Date on which the Certificate Principal Balances of the Class
II-A,
Class II-M and Class II-B Certificates have been reduced to zero, the Class
II-C
Distribution Amount shall include the Group II Overcollateralization
Amount.
Class
II-C Interest:
An
uncertificated interest in the Trust Fund held by the Trustee on behalf of
the
Holders of the Class II-C Certificates, evidencing a Regular Interest in
REMIC
IV for purposes of the REMIC Provisions.
Class
II-IO Interest:
An
uncertificated interest in the Trust Fund held by the Trustee on behalf of
the
Holders of REMIC VIII Regular Interest IO, evidencing a Regular Interest
in
REMIC IV for purposes of the REMIC Provisions.
Class
II-M Certificates:
Any of
the Class II-M-1, Class II-M-2, Class II-M-3, Class II-M-4, Class II-M-5
or
Class II-M-6 Certificates.
Class
II-M-1 Certificates:
Any
Certificate designated as a “Class II-M-1 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-M-1 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-M-1 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
II
Principal Distribution Amount for such Distribution Date after distribution
of
the Class II-A Principal Distribution Amount and (II) an amount equal to
the
excess, (if any), of (A) the sum of (1) the Certificate Principal Balance
of the
Class II-A Certificates (after taking into account the distribution of the
Class
II-A Principal Distribution Amount on such Distribution Date) and (2) the
Certificate Principal Balance of the Class II-M-1 Certificates immediately
prior
to such Distribution Date, over (B) the lesser of (x) the product of (1)
the
aggregate Stated Principal Balance of the Group II Mortgage Loans as of the
last
day of the related Due Period (after giving effect to scheduled payments
of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period) and (2) 53.50% and (y) (1) the aggregate Stated Principal Balance
of the
Group II Mortgage Loans as of the last day of the related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period), less (2) the Group
II
Overcollateralization Floor.
Class
II-M-2 Certificates:
Any
Certificate designated as a “Class II-M-2 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-M-2 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-M-2 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
II
Principal Distribution Amount for such Distribution Date after distribution
of
the Class II-A Principal Distribution Amount and the Class II-M-1 Principal
Distribution Amount and (II) an amount equal to the excess, (if any), of
(A) the
sum of (1) the Certificate Principal Balance of the Class II-A Certificates
(after taking into account the distribution of the Class II-A Principal
Distribution Amount on such Distribution Date), (2) the Certificate Principal
Balance of the Class II-M-1 Certificates (after taking into account the
distribution of the Class II-M-1 Principal Distribution Amount on such
Distribution Date) and (3) the Certificate Principal Balance of the Class
II-M-2
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
II
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 64.00% and (y) (1) the aggregate
Stated Principal Balance of the Group II Mortgage Loans as of the last day
of
the related Due Period (after giving effect to scheduled payments of principal
due during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group II Overcollateralization Floor.
Class
II-M-3 Certificates:
Any
Certificate designated as a “Class II-M-3 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-M-3 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-M-3 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
II
Principal Distribution Amount for such Distribution Date after distribution
of
the Class II-A Principal Distribution Amount, the Class II-M-1 Principal
Distribution Amount and the Class II-M-2 Principal Distribution Amount and
(II)
an amount equal to the excess, (if any), of (A) the sum of (1) the Certificate
Principal Balance of the Class II-A Certificates (after taking into account
the
distribution of the Class II-A Principal Distribution Amount on such
Distribution Date), (2) the Certificate Principal Balance of the Class II-M-1
Certificates (after taking into account the distribution of the Class II-M-1
Principal Distribution Amount on such Distribution Date), (3) the Certificate
Principal Balance of the Class II-M-2 Certificates (after taking into account
the distribution of the Class II-M-2 Principal Distribution Amount on such
Distribution Date) and (4) the Certificate Principal Balance of the Class
II-M-3
Certificates immediately prior to such Distribution Date, over (B) the lesser
of
(x) the product of (1) the aggregate Stated Principal Balance of the Group
II
Mortgage Loans as of the last day of the related Due Period (after giving
effect
to scheduled payments of principal due during the related Due Period, to
the
extent received or advanced, and unscheduled collections of principal received
during the related Prepayment Period, and after reduction for Realized Losses
incurred during the related Due Period) and (2) 68.30% and (y) (1) the aggregate
Stated Principal Balance of the Group II Mortgage Loans as of the last day
of
the related Due Period (after giving effect to scheduled payments of principal
due during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period), less (2) the Group II Overcollateralization Floor.
Class
II-M-4 Certificates:
Any
Certificate designated as a “Class II-M-4 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-M-4 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-M-4 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
II
Principal Distribution Amount for such Distribution Date after distribution
of
the Class II-A Principal Distribution Amount, the Class II-M-1 Principal
Distribution Amount, the Class II-M-2 Principal Distribution Amount and the
Class II-M-3 Principal Distribution Amount and (II) an amount equal to the
excess, (if any), of (A) the sum of (1) the Certificate Principal Balance
of the
Class II-A Certificates (after taking into account the distribution of the
Class
II-A Principal Distribution Amount on such Distribution Date), (2) the
Certificate Principal Balance of the Class II-M-1 Certificates (after taking
into account the distribution of the Class II-M-1 Principal Distribution
Amount
on such Distribution Date), (3) the Certificate Principal Balance of the
Class
II-M-2 Certificates (after taking into account the distribution of the Class
II-M-2 Principal Distribution Amount on such Distribution Date), (4) the
Certificate Principal Balance of the Class II-M-3 Certificates (after taking
into account the distribution of the Class II-M-3 Principal Distribution
Amount
on such Distribution Date) and (5) the Certificate Principal Balance of the
Class II-M-4 Certificates immediately prior to such Distribution Date, over
(B)
the lesser of (x) the product of (1) the aggregate Stated Principal Balance
of
the Group II Mortgage Loans as of the last day of the related Due Period
(after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period) and (2) 72.40% and
(y)
(1) the aggregate Stated Principal Balance of the Group II Mortgage Loans
as of
the last day of the related Due Period (after giving effect to scheduled
payments of principal due during the related Due Period, to the extent received
or advanced, and unscheduled collections of principal received during the
related Prepayment Period, and after reduction for Realized Losses incurred
during the related Due Period), less (2) the Group II Overcollateralization
Floor.
Class
II-M-5 Certificates:
Any
Certificate designated as a “Class II-M-5 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-M-5 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-M-5 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
II
Principal Distribution Amount for such Distribution Date after distribution
of
the Class II-A Principal Distribution Amount, the Class II-M-1 Principal
Distribution Amount, the Class II-M-2 Principal Distribution Amount, the
Class
II-M-3 Principal Distribution Amount and the Class II-M-4 Principal Distribution
Amount and (II) an amount equal to the excess, (if any), of (A) the sum of
(1)
the Certificate Principal Balance of the Class II-A Certificates (after taking
into account the distribution of the Class II-A Principal Distribution Amount
on
such Distribution Date), (2) the Certificate Principal Balance of the Class
II-M-1 Certificates (after taking into account the distribution of the Class
II-M-1 Principal Distribution Amount on such Distribution Date), (3) the
Certificate Principal Balance of the Class II-M-2 Certificates (after taking
into account the distribution of the Class II-M-2 Principal Distribution
Amount
on such Distribution Date), (4) the Certificate Principal Balance of the
Class
II-M-3 Certificates (after taking into account the distribution of the Class
II-M-3 Principal Distribution Amount on such Distribution Date), (5) the
Certificate Principal Balance of the Class II-M-4 Certificates (after taking
into account the distribution of the Class II-M-4 Principal Distribution
Amount
on such Distribution Date) and (6) the Certificate Principal Balance of the
Class II-M-5 Certificates immediately prior to such Distribution Date, over
(B)
the lesser of (x) the product of (1) the aggregate Stated Principal Balance
of
the Group II Mortgage Loans as of the last day of the related Due Period
(after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period) and (2) 76.50% and
(y)
(1) the aggregate Stated Principal Balance of the Group II Mortgage Loans
as of
the last day of the related Due Period (after giving effect to scheduled
payments of principal due during the related Due Period, to the extent received
or advanced, and unscheduled collections of principal received during the
related Prepayment Period, and after reduction for Realized Losses incurred
during the related Due Period), less (2) the Group II Overcollateralization
Floor.
Class
II-M-6 Certificates:
Any
Certificate designated as a “Class II-M-6 Certificate” on the face thereof, in
the form of Exhibit A-2 hereto, representing the right to its Percentage
Interest of distributions provided for the Class II-M-6 Certificates as set
forth herein and evidencing (i) a Regular Interest in REMIC IV, (ii) the
right
to receive related Basis Risk Shortfall Carry Forward Amounts and (iii) the
obligation to pay related Class IO Distribution Amounts.
Class
II-M-6 Principal Distribution Amount:
For any
Distribution Date, an amount equal to the lesser of (I) the remaining Group
II
Principal Distribution Amount for such Distribution Date after distribution
of
the Class II-A Principal Distribution Amount, the Class II-M-1 Principal
Distribution Amount, the Class II-M-2 Principal Distribution Amount, the
Class
II-M-3 Principal Distribution Amount, the Class II-M-4 Principal Distribution
Amount and the Class II-M-5 Principal Distribution Amount and (II) an amount
equal to the excess, (if any), of (A) the sum of (1) the Certificate Principal
Balance of the Class II-A Certificates (after taking into account the
distribution of the Class II-A Principal Distribution Amount on such
Distribution Date), (2) the Certificate Principal Balance of the Class II-M-1
Certificates (after taking into account the distribution of the Class II-M-1
Principal Distribution Amount on such Distribution Date), (3) the Certificate
Principal Balance of the Class II-M-2 Certificates (after taking into account
the distribution of the Class II-M-2 Principal Distribution Amount on such
Distribution Date), (4) the Certificate Principal Balance of the Class II-M-3
Certificates (after taking into account the distribution of the Class II-M-3
Principal Distribution Amount on such Distribution Date), (5) the Certificate
Principal Balance of the Class II-M-4 Certificates (after taking into account
the distribution of the Class II-M-4 Principal Distribution Amount on such
Distribution Date), (6) the Certificate Principal Balance of the Class II-M-5
Certificates (after taking into account the distribution of the Class II-M-5
Principal Distribution Amount on such Distribution Date) and (7) the Certificate
Principal Balance of the Class II-M-6 Certificates immediately prior to such
Distribution Date, over (B) the lesser of (x) the product of (1) the aggregate
Stated Principal Balance of the Group II Mortgage Loans as of the last day
of
the related Due Period (after giving effect to scheduled payments of principal
due during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period) and (2) 79.60% and (y) (1) the aggregate Stated Principal Balance
of the
Group II Mortgage Loans as of the last day of the related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
Realized Losses incurred during the related Due Period), less (2) the Group
II
Overcollateralization Floor.
Class
II-R Certificate:
Any of
the Class II-R-1 Certificates and Class II-RX Certificates.
Class
II-R-1 Certificate:
Any
Certificate designated a “Class II-R-1 Certificate” on the face thereof, in
substantially the form set forth in Exhibit A-5 hereto, evidencing the Residual
Interest in REMIC II and representing the right to the Percentage Interest
of
distributions provided for the Class II-R-1 Certificates as set forth
herein.
Class
II-RX Certificate:
Any
Certificate designated a “Class II-RX Certificate” on the face thereof, in
substantially the form set forth in Exhibit A-5 hereto, evidencing the ownership
of the Class II-R-7 Interest and Class II-R-8 Interest and representing the
right to the Percentage Interest of distributions provided for the Class
II-RX
Certificates as set forth herein.
Class
II-R-7
Interest:
The
uncertificated Residual Interest in REMIC VII.
Class
II-R-8 Interest:
The
uncertificated Residual Interest in REMIC VIII.
Class
IO Distribution Amount:
Any of
the Group I Class IO Distribution Amount or the Group II Class IO Distribution
Amount.
Closing
Date:
April
28, 2006.
Code:
The
Internal Revenue Code of 1986, including any successor or amendatory
provisions.
Combined
Loan-to-Value Ratio:
With
respect to any Mortgage Loan and as of any date of determination, the fraction
(expressed as a percentage) the numerator of which is the sum of (i) original
principal balance of the related Mortgage Loan at such date of determination
and
(ii) the unpaid principal balance of the related first lien Mortgage Loan
as of
the date of origination of that Mortgage Loan and the denominator of which
is
the applicable Appraised Value of the related Mortgaged Property at
origination.
Commission:
The
U.S. Securities and Exchange Commission.
Company:
EMC.
Company
Default:
As
defined in Section 9.05 hereof.
Compensating
Interest:
With
respect to any Distribution Date, (i) in the case of any Servicer, an amount,
not to exceed the Servicing Fee, to be deposited in the Protected Account
by
such Servicer with respect to the payment of a Prepayment Interest Shortfall
on
an Mortgage Loan subject to this Agreement and (ii) in the case of the Master
Servicer, an amount not to exceed that portion of the Master Servicing Fee
payable to the Master Servicer. If the related Servicer fails to make such
payment, the Master Servicer shall be obligated to do so to the extent provided
in Section 6.02(b) hereof.
Collection
Period: With respect to any
distribution date and the Group I Loans and Group II Loans, the calendar
month
preceding the month in which such distribution date occurs.
Corporate
Trust Office:
(i)
With respect to the Trustee, the designated corporate trust office of the
Trustee, currently located at Citibank, N.A., 000 Xxxxxxxxx Xxxxxx, 00xx
Xxxxx,
Xxx Xxxx, Xxx Xxxx 00000, and (ii) with respect to the Securities Administrator,
the designated office of the Securities Administrator currently located at
000
Xxxxx XxXxxxx Xxxxxx, Xxxxx 0000, Xxxxxxx, Xxxxxxxx 00000 Attention: Global
Securities and Trust Services Group — SACO 2006-5 or at such other address as
the Trustee or Securities Administrator, as applicable, may designate from
time
to time by notice to the Certificateholders, the Depositor, the Trustee,
the
Master Servicer, the Securities Administrator and EMC or at the principal
corporate trust office of any successor Trustee.
Corresponding
Certificate:
With
respect to each REMIC III Regular Interest (other than REMIC III Regular
Interests I-AA, I-ZZ, I-IO, II-AA, II-ZZ and II-IO), the Certificate with
the
corresponding designation. With respect to each REMIC IV Regular Interest
(other
than the Class C Interests and the Class IO Interests), the related Certificate
representing ownership thereof.
Cumulative
Realized Loss Percentage:
With
respect to the Group I Certificates or Group II Certificates and any
Distribution Date, the percentage obtained by dividing (x) the aggregate
Realized Losses on the Mortgage Loans in the related Loan Group incurred
since
the related Cut-off Date through the end of the related Due Period by (y)
the
aggregate Stated Principal Balance of the Mortgage Loans in the related Loan
Group as of the related Cut-off Date.
Current
Interest:
As of
any Distribution Date, with respect to the Certificates and interests of
each
class (other than the Residual Certificates) and each Class C Interest and
Class
IO Interest, (i) the interest accrued on the related Certificate Principal
Balance, or Certificate Notional Amount or Uncertificated Notional Amount,
as
applicable, during the related Accrual Period at the applicable Pass-Through
Rate, or the interest otherwise payable thereto, plus any amount previously
distributed with respect to interest for such Certificate or Interest that
has
been recovered as a voidable preference by a trustee in bankruptcy minus
(ii)
the sum of (a) any Prepayment Interest Shortfall for such Distribution Date,
to
the extent not covered by Compensating Interest and (b) any Relief Act Interest
Shortfalls during the related Due Period, provided, however, that for purposes
of calculating Current Interest for any such class, amounts specified in
clause
(ii) hereof for any such Distribution Date shall be allocated first to the
related Class C Certificates and Class C Interests in reduction of amounts
otherwise distributable to such Certificates and interests on such Distribution
Date and then any excess shall be allocated to each Class of related Class
A,
Class M and Class B Certificates pro
rata
based on
the respective amounts of interest accrued pursuant to clause (i) hereof
for
each such Class on such Distribution Date.
Custodial
Agreements:
The
LaSalle Custodial Agreement or Xxxxx Fargo Custodial Agreement, as applicable.
Custodians:
(i)
Xxxxx Fargo, or any successor custodian appointed pursuant to the provisions
hereof and the Xxxxx Fargo Custodial Agreement and (ii) LaSalle, or any
successor custodian appointed pursuant to the provisions hereof and the LaSalle
Custodial Agreement.
Cut-off
Date:
The
close of business on April 1, 2006.
Cut-off
Date Principal Balance:
As to
any Mortgage Loan, the unpaid principal balance thereof as of the close of
business on the Cut-off Date after application of all Principal Prepayments
received prior to the Cut-off Date and scheduled payments of principal due
on or
before the Cut-off Date, whether or not received, but without giving effect
to
any installments of principal received in respect of Due Dates after the
Cut-off
Date. The Cut-off Date Principal Balance of the Group I Mortgage Loans and
Group
II Mortgage Loans is $290,154,940.59 and $422,968,346.30, respectively, and
the
aggregate Cut-off Date Principal Balance of the Mortgage Loans is
$713,123,286.89.
Debt
Service Reduction:
With
respect to any Mortgage Loan, a reduction by a court of competent jurisdiction
in a proceeding under the Bankruptcy Code in the Scheduled Payment for such
Mortgage Loan that became final and non-appealable, except such a reduction
resulting from a Deficient Valuation or any other reduction that results
in a
permanent forgiveness of principal.
Defaulting
Party:
A
“Defaulting Party” as defined in the related Swap Agreement.
Deficient
Valuation:
With
respect to any Mortgage Loan, a valuation by a court of competent jurisdiction
of the Mortgaged Property in an amount less than the then outstanding
indebtedness under such Mortgage Loan, or any reduction in the amount of
principal to be paid in connection with any Scheduled Payment that results
in a
permanent forgiveness of principal, which valuation or reduction results
from an
order of such court that is final and non-appealable in a proceeding under
the
Bankruptcy Code.
Definitive
Certificates:
As
defined in Section 7.06.
Deleted
Mortgage Loan:
A
Mortgage Loan replaced or to be replaced by a Replacement Mortgage
Loan.
Delinquent:
A
Mortgage Loan is “delinquent” if any payment due thereon is not made pursuant to
the terms of such Mortgage Loan by the close of business on the day such
payment
is scheduled to be due. A Mortgage Loan is “30 days delinquent” if such payment
has not been received by the close of business on the corresponding day of
the
month immediately succeeding the month in which such payment was due, or,
if
there is no such corresponding day (e.g., as when a 30-day month follows
a
31-day month in which a payment was due on the 31st day of such month), then
on
the last day of such immediately succeeding month. Similarly for “60 days
delinquent,” “90 days delinquent” and so on.
Denomination:
With
respect to each Certificate, the amount set forth on the face thereof as
the
“Initial Principal Balance or Initial Notional Amount of this
Certificate”.
Depositor:
Bear
Xxxxxxx Asset Backed Securities I LLC, a Delaware limited liability company,
or
its successor in interest.
Depository:
The
initial Depository shall be The Depository Trust Company (“DTC”), the nominee of
which is Cede & Co., or any other organization registered as a “clearing
agency” pursuant to Section 17A of the Securities Exchange Act of 1934, as
amended. The Depository shall initially be the registered Holder of the
Book-Entry Certificates. The Depository shall at all times be a “clearing
corporation” as defined in Section 8-102(a)(5) of the Uniform Commercial Code of
the State of New York.
Depository
Agreement:
With
respect to the Class of Book-Entry Certificates, the agreement among the
Depositor, the Securities Administrator and the initial Depository, dated
as of
the Closing Date, substantially in the form of Exhibit H.
Depository
Participant:
A
broker, dealer, bank or other financial institution or other Person for whom
from time to time a Depository effects book-entry transfers and pledges of
securities deposited with the Depository.
Designated
Depository Institution:
A
depository institution (commercial bank, federal savings bank, mutual savings
bank or savings and loan association) or trust company (which may include
the
Trustee, the Securities Administrator and the Master Servicer), the deposits
of
which are fully insured by the FDIC to the extent provided by law.
Determination
Date:
With
respect to any Distribution Date, the 15th
day of
the month of such Distribution Date or, if such 15th
day is
not a Business Day, the immediately preceding Business Day.
Distribution
Account:
The
segregated trust account or accounts created and maintained by the Securities
Administrator pursuant to Section 5.08 in the name of the Trustee for the
benefit of the Certificateholders, which shall be entitled “LaSalle Bank
National Association, as Securities Administrator, on behalf of Citibank,
N.A.,
as Trustee, in trust for the registered holders of Bear Xxxxxxx Asset Backed
Securities I LLC, SACO I Trust 2006-5, Mortgage-Backed Certificates, Series
2006-5.” The Distribution Account must be an Eligible Account.
Distribution
Account Deposit Date:
Two
Business Days prior to each Distribution Date.
Distribution
Date:
The
25th day of each calendar month after the initial issuance of the Certificates,
or if such 25th day is not a Business Day, the next succeeding Business Day,
commencing in May 2006.
Due
Date:
As to
any Mortgage Loan, the date in each month on which the related Scheduled
Payment
is due, as set forth in the related Mortgage Note.
Due
Period:
With
respect to any Distribution Date, the period from the second day of the calendar
month preceding the calendar month in which such Distribution Date occurs
through close of business on the first day of the calendar month in which
such
Distribution Date occurs.
Eligible
Account:
Any of
(i) an account or accounts maintained with a federal or state chartered
depository institution or trust company, the long-term unsecured debt
obligations and short-term unsecured debt obligations of which (or, in the
case
of a depository institution or trust company that is the principal subsidiary
of
a holding company, the debt obligations of such holding company, so long
as
Xxxxx’x is not a Rating Agency) are rated by each Rating Agency in one of its
two highest long-term and its highest short-term rating categories,
respectively, at the time any amounts are held on deposit therein, or (ii)
an
account or accounts in a depository institution or trust company in which
such
accounts are insured by the FDIC (to the limits established by the FDIC)
and the
uninsured deposits in which accounts are otherwise secured such that, as
evidenced by an Opinion of Counsel delivered to and satisfactory to the Trustee,
the Securities Administrator and to each Rating Agency, the Certificateholders
have a claim with respect to the funds in such account or a perfected first
priority security interest against any collateral (which shall be limited
to
Permitted Investments) securing such funds that is superior to claims of
any
other depositors or creditors of the depository institution or trust company
in
which such account is maintained, or (iii) a trust account or accounts
maintained with the corporate trust department of a federal or state chartered
depository institution or trust company having capital and surplus of not
less
than $50,000,000, acting in its fiduciary capacity or (iv) any other account
acceptable to each Rating Agency, as evidenced in writing. Eligible Accounts
may
bear interest, and may include, if otherwise qualified under this definition,
accounts maintained with the Trustee and the Securities
Administrator.
EMC:
EMC
Mortgage Corporation, a Delaware corporation, and its successors and
assigns.
EMC
Mortgage Loans:
The
Mortgage Loans serviced by the Company pursuant to the terms of this Agreement
and identified as such on the Mortgage Loan Schedule for which EMC is the
applicable Seller.
ERISA:
The
Employee Retirement Income Security Act of 1974, as amended.
ERISA
Restricted Certificates:
Any of
the Class C Certificates and Residual Certificates.
Event
of Default:
As
defined in Section 9.01 hereof.
Excess
Cashflow:
The
Group I Excess Cashflow or Group II Excess Cashflow.
Excess
Liquidation Proceeds:
To the
extent not required by law to be paid to the related Mortgagor, the excess,
if
any, of any Liquidation Proceeds with respect to a Mortgage Loan over the
Stated
Principal Balance of such Mortgage Loan and accrued and unpaid interest at
the
related Mortgage Rate through the last day of the month in which the Mortgage
Loan has been liquidated.
Excess
Spread:
The
Group I Excess Spread and Group II Excess Spread.
Exemption:
Prohibited Transaction Exemption 90-30, as amended from time to
time.
Exchange
Act:
The
Securities Exchange Act of 1934, as amended, and the rules and regulations
thereunder.
Extraordinary
Trust Fund Expenses:
Any
amounts reimbursable to the Trustee, or any director, officer, employee or
agent
of the Trustee, from the Trust Fund, and any amounts reimbursable, (other
than
Advances and Servicing Advances), to the Depositor, the Securities
Administrator, the Master Servicer, any Custodian, or any director, officer,
employee or agent thereof, and any other amounts payable or reimbursable
from
the Trust Fund as Extraordinary Trust Fund Expenses pursuant to the terms
of the
Pooling and Servicing Agreement and/or the Custodial Agreements, including
Extraordinary Trust Fund Expenses not reimbursed in any prior calendar year
as a
result of the Extraordinary Trust Fund Expenses Cap. Extraordinary Trust
Fund
Expenses for any calendar year, to the extent they may exceed the Extraordinary
Trust Fund Expenses Cap, shall be paid pro rata from the amounts available
therefor.
Extraordinary
Trust Fund Expenses Cap:
$250,000 for each calendar year; provided, however, that such cap will not
apply
to any costs and expenses (i) of the Trustee incurred in connection with
the
termination of the Securities Administrator or the Master Servicer, the transfer
of master servicing to a successor Master Servicer and any costs incurred
with
the replacement of either Custodian or (ii) of the Master Servicer incurred
in
connection with the termination of the Company or a Servicer and the transfer
of
servicing to a successor servicer.
Extra
Principal Distribution Amount:
The
Group I Extra Principal Distribution Amount or Group II Extra Principal
Distribution Amount, as applicable.
Xxxxxx
Xxx:
Xxxxxx
Xxx (formerly, Federal National Mortgage Association), or any successor
thereto.
FDIC:
The
Federal Deposit Insurance Corporation, or any successor thereto.
Final
Certification:
The
certification by a Custodian substantially in the form of Exhibit Three to
the
related Custodial Agreement.
Final
Recovery Determination:
With
respect to any defaulted Mortgage Loan or any REO Property (other than a
Mortgage Loan or REO Property purchased by EMC (on its own behalf as Seller
and
on behalf of Master Funding) pursuant to or as contemplated by Section 2.04(d)
or Section 11.01), a determination made by the Company pursuant to this
Agreement or the related Servicer pursuant to the Servicing Agreements that
all
Insurance Proceeds, Liquidation Proceeds and other payments or recoveries
which
the Company or such Servicer, in its reasonable good faith judgment, expects
to
be finally recoverable in respect thereof have been so recovered. The Master
Servicer shall maintain records, based solely on information provided by
the
Company and the related Servicer, of each Final Recovery Determination made
thereby.
First
Horizon:
First
Horizon Home Loan Corporation and any successor thereto.
First
Horizon Assignment Agreement:
The
Assignment, Assumption and Recognition Agreement substantially in the form
of
Exhibit T, dated as of April 28, 2006, among EMC, the Trustee, and First
Tennessee evidencing the assignment of the First Horizon Servicing Agreement
to
the Trust.
First
Horizon Loans:
Those
Mortgage Loans subject to this Agreement which were purchased by EMC from
First
Horizon pursuant to the First Horizon Servicing Agreement.
First
Horizon Servicing Agreement:
the
Purchase, Warranties and Servicing Agreement substantially in the form of
Exhibit R, dated as of September 1, 2003, as amended on May 14, 2004 and
December 22, 2005, among EMC Mortgage Corporation, First Tennessee and First
Horizon Home Loan Corporation.
First
Tennessee:
First
Tennessee Mortgage Services, Inc.
Fiscal
Quarter:
December 1 to February 29 (or the last day in such month), March 1 to May
31,
June 1 to August 31, or September 1 to November 30, as applicable.
Form
8-K Disclosure Information:
The
meaning set forth in Section 3.19(a)(ii).
Xxxxxxx
Mac:
Federal
Home Loan Mortgage Corporation, or any successor thereto.
Global
Certificate:
Any
Certificate registered in the name of the Depository or its nominee, beneficial
interests in which are reflected on the books of the Depository or on the
books
of a Person maintaining an account with such Depository (directly or as an
indirect participant in accordance with the rules of such
depository).
GMAC
Mortgage Corporation:
GMAC
Mortgage Corporation and any successor thereto.
GMAC
Assignment Agreement:
The
Assignment, Assumption and Recognition Agreement substantially in the form
of
Exhibit V, dated as of April 28, 2006, among EMC, the Trustee, and GMAC
evidencing the assignment of the GMAC Agreement to the Trust.
GMAC
Loans:
Those
Mortgage Loans subject to this Agreement which were purchased by EMC from
GMAC
pursuant to the GMAC Servicing Agreement.
GMAC
Servicing Agreement:
The
Servicing Agreement, dated as of May 1, 2001, as amended by Amendment No.
1,
dated as of October 1, 2001, Amendment No. 2, dated as of July 31, 2002 and
Amendment No. 3, dated as of December 20, 2005 substantially in the form
of
Exhibit S, between EMC Mortgage Corporation and GMAC.
Gross
Margin: With respect to each Adjustable
Rate Mortgage Loan, the fixed percentage set forth in the related Mortgage
Note
that is added to the Index on each Adjustment Date in accordance with the
terms
of the related Mortage Note used to determine the Mortgage Rate for such
Mortgage Loan.
Group
I Basis Risk Shortfall Carry Forward Amount:
With
respect to any Distribution Date and any Class of Class I-A, Class I-M and
Class
I-B Certificates, an amount equal to the sum of (A) if the Pass-Through Rate
for
such Class for such Distribution Date is limited to the related Net WAC Cap
Rate, the excess, if any, of (a) the amount of Current Interest that such
Class would have been entitled to receive on such Distribution Date had the
Pass-Though Rate applicable to such Class been calculated at a per annum
rate
equal to the lesser of (x) One-Month LIBOR plus the related Certificate Margin
and (y) 11.00% per annum over (b) the amount of Current Interest that such
Class
received on such Distribution Date if the Pass-Through Rate is limited to
the
Group I Net WAC Cap Rate and (B) the Group I Basis Risk Shortfall Carry Forward
Amount for the previous Distribution Date not previously paid, together with
interest thereon at a rate equal to the related Pass-Through Rate for the
current Distribution Date.
Group
I Certificates: The
Group
I Offered Certificates and the Class I-B-4, Class I-C and Class I-R
Certificates.
Group
I Class IO Distribution Amount:
As
defined in Section 4.14 hereof. For purposes of clarity, the Group I Class
IO
Distribution Amount for any Distribution Date shall equal the amount payable
to
the Swap Administrator pursuant to the second and third sentences of Section
4.14(c) on such Distribution Date in excess of the amount payable on REMIC
VI
Regular Interest IO on such Distribution Date, all as further provided in
Section 4.14 hereof.
Group
I Current Specified Enhancement Percentage: With
respect to any Distribution Date, the percentage obtained by dividing (x)
the
sum of (i) the aggregate Certificate Principal Balance of the Class I-M
Certificates and Class I-B Certificates and (ii) the Group I
Overcollateralization Amount, in each case prior to the distribution of the
Group I Principal Distribution Amount on such Distribution Date, by (y) the
aggregate Stated Principal Balance of the Group I Mortgage Loans as of the
end
of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period).
Group
I Excess Cashflow:
With
respect to any Distribution Date, an amount, if any, equal to the sum of
(a) the
Group I Remaining Excess Spread for such Distribution Date and (b) the Group
I
Overcollateralization Release Amount for such Distribution Date.
Group
I Excess Spread:
With
respect to any Distribution Date, the excess, if any, of (i) the Interest
Funds
for Loan Group I for such Distribution Date over (ii) the sum of the related
Current Interest on the Class I-A, Class I-M and Class I-B Certificates and
Interest Carry Forward Amounts on the Class I-A Certificates (other than
Interest Carry Forward Amounts paid pursuant to Section 6.04(a)(3)(A)) for
such
Distribution Date.
Group
I Extra Principal Distribution Amount:
With
respect to any Distribution Date, the lesser of (i) the excess, if any, of
the
Group I Overcollateralization Target Amount for such Distribution Date over
the
Group I Overcollateralization Amount for such Distribution Date (after giving
effect to distributions of principal on the Group I Certificates other than
any
Group I Extra Principal Distribution Amount) and (ii) the Group I Excess
Spread
for such Distribution Date.
Group
I Interest Rate Swap Agreement:
The
interest rate swap agreement between the Group I Swap Provider and Group
I
Supplemental Interest Trust Trustee, together with any schedules, confirmations
or other agreements relating thereto, attached hereto as Exhibit
N-1.
Group
I Marker Rate:
With
respect to the Class I-C Interest and any Distribution Date, a per annum
rate
equal to two (2) times the weighted average of the Uncertificated REMIC III
Pass-Through Rates for the REMIC III Group I Regular Interests (other than
REMIC
III Regular Interests I-AA and I-IO), with the rate on each such REMIC III
Group
I Regular Interest (other than REMIC III Regular Interest I-ZZ) subject to
a cap
equal to the lesser of (i) the Pass-Through Rate for the Corresponding
Certificate determined without regard to the related Net WAC Cap Rate and
(ii)
the Net WAC Cap Rate for the REMIC IV Regular Interest the ownership of which
is
represented by the Corresponding Certificate for the purpose of this calculation
for such Distribution Date, and with the rate on REMIC III Regular Interest
I-ZZ
subject to a cap of zero for the purpose of this calculation; provided, however,
that solely for this purpose, the related cap with respect to each REMIC
III
Group I Regular Interest (other than REMIC III Regular Interests I-AA, I-ZZ
and
I-IO) shall be multiplied by a fraction, the numerator of which is 30 and
the
denominator of which is the actual number of days in the related Accrual
Period.
Group
I Maximum Uncertificated Accrued Interest Deferral Amount:
With
respect to any Distribution Date, the excess of (i) accrued interest at the
Uncertificated REMIC III Pass-Through Rate applicable to REMIC III Regular
Interest I-ZZ for such Distribution Date on a balance equal to the
Uncertificated Principal Balance of REMIC III Regular Interest I-ZZ minus
the
REMIC III Group I Overcollateralization Amount, in each case for such
Distribution Date, over (ii) the aggregate amount of Uncertificated Accrued
Interest for such Distribution Date on the REMIC III Group I Regular Interests
(other than REMIC III Regular Interests I-AA, I-ZZ and I-IO), with the rate
on
each such REMIC III Group I Regular Interest subject to a cap equal to the
lesser of (x) the Pass Through Rate for the Corresponding Certificate determined
without regard to the related Net WAC Cap Rate and (y) the Net WAC Cap Rate
for
the REMIC IV Regular Interest the ownership of which is represented by the
Corresponding Certificate for the purpose of this calculation for such
Distribution Date; provided, however, that solely for this purpose, the related
cap with respect to each REMIC III Group I Regular Interest (other than REMIC
III Regular Interests I-AA, I-ZZ and I-IO) shall be multiplied by a fraction,
the numerator of which is 30 and the denominator of which is the actual number
of days in the related Accrual Period.
Group
I Mortgage Loan:
A Group
I Mortgage Loan transferred and assigned to the Trustee on the Closing Date
pursuant to Section 2.01 and held as a part of the Trust, as identified in
the
Mortgage Loan Schedule.
Group
I Net Swap Payment:
With
respect to each Distribution Date, the net payment required to be made pursuant
to the terms of the Group I Interest Rate Swap Agreement by either the Group
I
Swap Provider or the Swap Administrator, which net payment shall not take
into
account any Group I Swap Termination Payment.
Group
I Net WAC Cap Rate:
With
respect to any Distribution Date and any Class of Class I-A, Class I-M, or
Class I-B Certificates, a per annum rate equal to the excess, if any, of
(A) the weighted average of the Net Mortgage Rates on the then outstanding
Group
I Mortgage Loans, weighted based on their Stated Principal Balances as of
the
related Due Date prior to giving effect to any reduction in the Stated Principal
Balances of such Group I Mortgage Loans on such Due Date, over (B) a per
annum
rate equal to the sum of the Group I Net Swap Payment and Group I Swap
Termination Payment not due to a Group I Swap Provider Trigger Event payable
to
the Group I Swap Provider, in each case on such Distribution Date (to the
extent
not paid by the Group I Supplemental Interest Trust from any upfront payment
received pursuant to any related replacement interest rate swap agreement
that
may be entered into by the Group I Supplemental Interest Trust Trustee),
divided
by the outstanding
Stated
Principal Balance of the Group I Mortgage Loans
as of
the related Due Date prior to giving effect to any reduction in the Stated
Principal Balances of such Mortgage Loans on such due date, multiplied by
12.
The
Group I Net WAC Cap Rate for such Classes of Group I Certificate will be
will be
calculated based on a 360-day year and the actual number of days elapsed
in the
related Accrual Period. With respect to any Distribution Date and each REMIC
IV
Regular Interest the ownership of which is represented by a Class I-A, Class
I-M or Class I-B Certificate, a per annum rate equal to the weighted
average (adjusted for the actual number of days elapsed in the related Accrual
Period) of the Uncertificated REMIC III Pass-Through Rates on the REMIC III
Group I Regular Interests (other than REMIC III Regular Interest I-IO), weighted
on the basis of the Uncertificated Principal Balances of each such REMIC
III
Regular Interest immediately prior to such Distribution Date.
Group
I Offered Certificates:
Any of
the Class I-A, Class I-M, Class I-B-1, Class I-B-2 and Class I-B-3
Certificates.
Group
I Optional Termination:
The
termination of the Group I Sub-Trust created hereunder as a result of the
purchase of all of the Group I Mortgage Loans and any related REO Property
pursuant to the last sentence of Section 11.01 hereof.
Group
I Optional Termination Date:
The
Distribution Date on which the Stated Principal Balance of all of the Group
I
Mortgage Loans is equal to or less than 20% of the Stated Principal Balance
of
all of the Group I Mortgage Loans as of the Cut-off Date.
Group
I Swap Optional Termination Payment: As
defined in Section 11.01.
Group
I
Overcollateralization Amount:
With
respect to any Distribution Date, the excess, if any, of the aggregate Stated
Principal Balance of the Group I Mortgage Loans as of the last day of the
related Due Period (after
giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of
principal received during the related Prepayment Period, and after reduction
for
related Realized Losses incurred during the related Due Period) over
the
aggregate Certificate Principal Balance of the Group I Certificates (other
than
the Class I-C Certificates) on such Distribution Date (after taking into
account
the payment of principal other than any Group I Extra Principal Distribution
Amount on such Certificates).
Group
I Overcollateralization Floor:
With
respect to the Group I Certificates, an amount equal to 0.50% of the aggregate
Stated Principal Balance of the Group I Mortgage Loans as of the Cut-off
Date.
Group
I Overcollateralization Release Amount:
With
respect to any Distribution Date, the lesser of (x) the Group I Principal
Remittance Amount for such Distribution Date and (y) the excess, if any,
of (i)
the Group I Overcollateralization Amount for such Distribution Date (assuming
that 100% of the Group I Principal Remittance Amount is applied as a principal
payment on such Distribution Date) over (ii) the Group I Overcollateralization
Target Amount for such Distribution Date (with the amount pursuant to clause
(y)
deemed to be $0 if the Group I Overcollateralization Amount is less than
or
equal to the Group I Overcollateralization Target Amount on that Distribution
Date).
Group
I Overcollateralization Target Amount:
With
respect to any Distribution Date (a) prior to the Stepdown Date, 5.90% of
the
aggregate Stated Principal Balance of the Group I Mortgage Loans as of the
Cut-off Date, (b) on or after the Group I Stepdown Date and if a Group I
Trigger
Event is not in effect, the greater of (i) the lesser of (1) 5.90% of the
aggregate Stated Principal Balance of the Group I Mortgage Loans as of the
Cut-off Date and (2) 11.80% of the then current aggregate Stated Principal
Balance of the Group I Mortgage Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due during
the
related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period, and
after reduction for Realized Losses incurred during the related Due Period)
and
(ii) the Group I Overcollateralization Floor or (c) on or after the Group
I
Stepdown Date and if a Group I Trigger Event is in effect, the Group I
Overcollateralization Target Amount for the immediately preceding Distribution
Date.
Group
I Principal Distribution Amount:
With
respect to any Distribution Date, an amount equal to (x) the sum of (1) the
Group
I
Principal
Remittance Amount for such Distribution Date and (2) any Group I Extra Principal
Distribution Amount for such Distribution Date minus (y) the amount of any
Group
I Overcollateralization Release Amount for such Distribution Date.
Group
I Principal Funds:
With
respect to any Distribution Date and Loan Group I, (i) the sum, without
duplication, of (a) all scheduled principal collected during the related
Due
Period, (b) all Advances relating to principal made on or before the
Distribution Account Deposit Date with respect to the Group I Mortgage Loans,
(c) Principal Prepayments with respect to the Group I Mortgage Loans exclusive
of prepayment charges or penalties collected during the related Prepayment
Period, (d) the Stated Principal Balance of each Group I Mortgage Loan that
was
repurchased by EMC on its own behalf as Seller and on behalf of Master Funding)
pursuant to Sections 2.02 and 2.03, (e) the aggregate of all Substitution
Adjustment Amounts for the related Determination Date in connection with
the
substitution of any Group I Mortgage Loans pursuant to Section 2.03(d), (f)
all
Liquidation Proceeds and Subsequent Recoveries with respect to the Group
I
Mortgage Loans collected during the related Prepayment Period (to the extent
such Liquidation Proceeds and Subsequent Recoveries relate to principal),
in
each case to the extent remitted by the Master Servicer to the Distribution
Account pursuant to this Agreement and (g) amounts in respect of principal
paid
by the Majority Class I-C Certificateholder or the Master Servicer, as
applicable, pursuant to Section 11.01, minus (i) all amounts required to
be
reimbursed pursuant to Sections 5.02 and 5.09 or as otherwise set forth in
this
Agreement and (ii) minus any Group I Net Swap Payments or Group I Swap
Termination Payments (not due to a Group I Swap Provider Trigger Event and
to
the extent not paid by the Swap Administrator from any upfront payment received
pursuant to any replacement interest rate swap agreement that may be entered
into by the Group I Supplemental Interest Trust Trustee) owed to the Swap
Administrator for payment to the Group I Swap Provider for such Distribution
Date and any such payments remaining unpaid for any prior Distribution Dates,
in
each case to the extent not paid from Interest Funds.
Group
I Principal Remittance Amount:
With
respect to each Distribution Date, the sum of the amounts listed in clauses
(i)(a) through (i)(g) of the definition of Group I Principal Funds.
Group
I Regular Certificate:
Any of
the Group I Certificates other than the Group I Residual
Certificates.
Group
I Remaining Excess Spread:
With
respect to any Distribution Date, the Group I Excess Spread less any Group
I
Extra Principal Distribution Amount, in each case for such Distribution
Date.
Group
I REMIC Termination Payment:
As
defined in Section 11.01.
Group
I Reserve Fund:
Shall
mean the separate trust account created and maintained by the Securities
Administrator pursuant to Section 4.14 hereof.
Group
I Reserve Fund Deposit:
With
respect to the Group I Reserve Fund, an amount equal to $5,000, which the
Depositor shall initially deposit into the Group I Reserve Fund pursuant
to
Section 4.14 hereof.
Group
I Residual Certificates:
The
Class I-R-1, Class I-R-2, Class I-R-3 and Class I-RX Certificates, (representing
ownership of the Class I-R-5 Interest and Class I-R-6 Interest), each evidencing
the sole class of Residual Interests in the related REMIC.
Group
I Senior Certificates:
Any of
the Class I-A Certificates.
Group
I Significance Estimate:
With
respect to any Distribution Date, and in accordance with Item 1115 of Regulation
AB, shall be an amount determined based on the reasonable good-faith estimate
by
the Sponsor or its affiliate of the aggregate maximum probable exposure of
the
outstanding Class I-A, Class I-M and Class I-B Certificates to the Group
I
Interest Swap Agreement.
Group
I Significance Percentage:
With
respect to any Distribution Date, and in accordance with Item 1115 of Regulation
AB, shall be a percentage equal to the Group I Significance Estimate divided
by
the aggregate outstanding Certificate Principal Balance of the Class I-A,
Class
I-M and Class I-B Certificates, prior to the distribution of the related
Principal Distribution Amount on such Distribution Date.
Group
I Sixty-Day Plus Delinquency Percentage:
With
respect to any Distribution Date, is the arithmetic average for each of the
three successive Distribution Dates ending with the applicable Distribution
Date
of the percentage equivalent of a fraction, the numerator of which is the
aggregate Stated Principal Balance of the Group I Mortgage Loans that are
60 or
more days delinquent in the payment of principal or interest for the relevant
Distribution Date, including any Group I Mortgage Loans in foreclosure, REO
and
Group I Mortgage Loans with a related Mortgagor subject to bankruptcy
proceedings, and the denominator of which is the aggregate Stated Principal
Balance of all of the Group I Mortgage Loans immediately preceding such
Distribution Date.
Group
I Stepdown Date:
The
earlier to occur of, (I) the first Distribution Date following the Distribution
Date for which the Certificate Principal Balance for each of the Class I-A
Certificates has been reduced to zero, and (II) the later to occur of (a)
the
Distribution Date in May 2009 or (b) the first Distribution Date on which
the
Group I Current Specified Enhancement Percentage is greater than or equal
to
60.70%.
Group
I Sub-Trust:
The
portion of the Trust Fund allocated to Loan Group I.
Group
I Supplemental Interest Trust:
The
corpus of a trust created pursuant to Section 4.14 of this Agreement and
designated as the “Group I Supplemental Interest Trust,” consisting of the Group
I Interest Rate Swap Agreement, the rights in respect of the Swap Administration
Agreement that relate to Loan Group I and the Group I Swap Account. For the
avoidance of doubt, the Group I Supplemental Interest Trust, the Group I
Interest Rate Swap Agreement, the Group I Swap Account and the Swap
Administration Agreement do not constitute parts of the Trust Fund or any
REMIC.
Group
I Supplemental Interest Trust Trustee:
LaSalle
not in its individual capacity but solely in its capacity as Group I
Supplemental Interest Trust Trustee and any successor thereto, and any
corporation or national banking association resulting from or surviving any
consolidation or merger to which it or its successors may be a party and
any
successor Group I Supplemental Interest Trust Trustee as may from time to
time
be serving as successor Group I Supplemental Interest Trust
Trustee.
Group
I Swap Provider:
The
swap provider under the Group I Swap Agreement either (a) entitled to receive
payments from the Derivative Administrator from amounts payable by the Trust
Fund with respect to Loan Group I under this Agreement or (b) required to
make
payments to the Derivative Administrator for payment to the Trust Fund with
respect to Loan Group I, in either case pursuant to the terms of the Group
I
Swap Agreement, and any successor in interest or assign. Initially, the Group
I
Swap Provider shall be Bear Xxxxxxx Financial Products Inc.
Group
I Swap Provider Trigger Event:
With
respect to any Distribution Date, (i) an Event of Default under the Group
I Swap
Agreement with respect to which the Group I Swap Provider is a Defaulting
Party,
(ii) a Termination Event under the Group I Swap Agreement with respect to
which
the Group I Swap Provider is the sole Affected Party, or (iii) an Additional
Termination Event under the Group I Swap Agreement with respect to which
the
Group I Swap Provider is the sole Affected Party.
Group
I Swap Termination Payment:
Upon
the designation of an “Early Termination Date” as defined in the Group I Swap
Agreement, the payment to be made by the Swap Administrator to the Group
I Swap
Provider from payments from the Trust Fund with respect to Loan Group I,
or by
the Group I Swap Provider to the Swap Administrator for payment to the Trust
Fund with respect to Loan Group I, as applicable, pursuant to the terms of
the
Group I Swap Agreement.
Group
I Trigger Event:
With
respect to any Distribution Date, a “Group I Trigger Event” shall have occurred
if any of the following tests is not satisfied: (i) the Group I Sixty-Day
Plus
Delinquency Percentage is less than 13.15% of the Group I Current Specified
Enhancement Percentage, or (ii)(A) for any Distribution Date from and including
the Distribution Date in May 2008 to and including the Distribution Date
in
April 2009, the Group I Cumulative Realized Loss Percentage for such
Distribution Date is less than 2.40% plus an additional 1/12th
of 3.00%
for each Distribution Date thereafter up to and including the Distribution
Date
in April 2009, (B) for any Distribution Date from and including the Distribution
Date in May 2009 to and including the Distribution Date in April 2010, the
Cumulative Realized Loss Percentage for such Distribution Date is less than
5.40% plus an additional 1/12th
of 2.95%
for each Distribution Date thereafter up to and including the Distribution
Date
in April 2010, (C) for any Distribution Date from and including the Distribution
Date in May 2010 to and including the Distribution Date in April 2011, the
Cumulative Realized Loss Percentage for such Distribution Date is less than
8.35% plus an additional 1/12th
of 2.40%
for each Distribution Date thereafter up to and including the Distribution
Date
in April 2011 (D) for any Distribution Date from and including the Distribution
Date in May 2011 to and including the Distribution Date in April 2012, the
Group
I Cumulative Realized Loss Percentage for such Distribution Date is less
than
10.75% plus an additional 1/12th
of 1.15%
for each Distribution Date thereafter up to and including the Distribution
Date
in April 2012, and (D) for any Distribution Date thereafter, the Group I
Cumulative Realized Loss Percentage for such Distribution Date is less than
11.90%.
Group
II Basis Risk Shortfall Carry Forward Amount:
With
respect to any Distribution Date and any Class of Class II-A, Class II-M
and
Class II-B Certificates, an amount equal to the sum of (A) if the Pass-Through
Rate for such Class for such Distribution Date is limited to the related
Net WAC
Cap Rate, the excess, if any, of (a) the amount of Current Interest that
such Class would have been entitled to receive on such Distribution Date
had the
Pass-Though Rate applicable to such Class been calculated at a per annum
rate
equal to the lesser of (x) One-Month LIBOR plus the related Certificate Margin
and (y) 11.00% per annum, over (b) the amount of Current Interest that such
Class received on such Distribution Date if the Pass-Through Rate is limited
to
the Group II Net WAC Cap Rate and (B) the Group II Basis Risk Shortfall Carry
Forward Amount for the previous Distribution Date not previously paid, together
with interest thereon at a rate equal to the related Pass-Through Rate for
the
current Distribution Date.
Group
II Certificates: The
Group
II Offered Certificates and the Class II-B-4, Class II-C and Class II-R
Certificates.
Group
II Class IO Distribution Amount:
As
defined in Section 4.15 hereof. For purposes of clarity, the Group II Class
IO
Distribution Amount for any Distribution Date shall equal the amount payable
to
the Swap Administrator pursuant to the second and third sentences of Section
4.15(c) on such Distribution Date in excess of the amount payable on REMIC
VIII
Regular Interest IO on such Distribution Date, all as further provided in
Section 4.15 hereof.
Group
II Current Specified Enhancement Percentage: With
respect to any Distribution Date, the percentage obtained by dividing (x)
the
sum of (i) the aggregate Certificate Principal Balance of the Class II-M
Certificates and Class II-B Certificates and (ii) the Group II
Overcollateralization Amount, in each case prior to the distribution of the
Group II Principal Distribution Amount on such Distribution Date, by (y)
the
aggregate Stated Principal Balance of the Group II Mortgage Loans as of the
end
of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Realized Losses incurred during the related
Due
Period).
Group
II Excess Cashflow:
With
respect to any Distribution Date, an amount, if any, equal to the sum of
(a) the
Group II Remaining Excess Spread for such Distribution Date and (b) the Group
II
Overcollateralization Release Amount for such Distribution Date.
Group
II Excess Spread:
With
respect to any Distribution Date, the excess, if any, of (i) the Interest
Funds
for Loan Group II for such Distribution Date over (ii) the sum of the related
Current Interest on the Class II-A, Class II-M and Class II-B Certificates
and
Interest Carry Forward Amounts on the Class II-A Certificates (other than
Interest Carry Forward Amounts paid pursuant to Section 6.04(b)(3)(A)) for
such
Distribution Date.
Group
II Extra Principal Distribution Amount:
With
respect to any Distribution Date, the lesser of (i) the excess, if any, of
the
Group II Overcollateralization Target Amount for such Distribution Date over
the
Group II Overcollateralization Amount for such Distribution Date (after giving
effect to distributions of principal on the Group II Certificates other than
any
Group II Extra Principal Distribution Amount) and (ii) the Group II Excess
Spread for such Distribution Date.
Group
II Interest Rate Swap Agreement: The interest rate swap agreement between
the Group II Swap Provider and Group II Supplemental Interest Trust Trustee,
together with any schedules, confirmations or other agreements relating thereto,
attached hereto as Exhibit N-2.
Group
II Marker Rate:
With
respect to the Class II-C Interest and any Distribution Date, a per annum
rate
equal to two (2) times the weighted average of the Uncertificated REMIC III
Pass-Through Rates for the REMIC III Group II Regular Interests (other than
REMIC III Regular Interests II-AA and II-IO), with the rate on each such
REMIC
III Group II Regular Interest (other than REMIC III Regular Interest II-ZZ)
subject to a cap equal to the lesser of (i) the Pass-Through Rate for the
Corresponding Certificate determined without regard to the related Net WAC
Cap
Rate and (ii) the Net WAC Cap Rate for the REMIC IV Regular Interest the
ownership of which is represented by the Corresponding Certificate for the
purpose of this calculation for such Distribution Date, and with the rate
on
REMIC III Regular Interest II-ZZ subject to a cap of zero for the purpose
of
this calculation; provided, however, that solely for this purpose, the related
cap with respect to each REMIC III Group II Regular Interest (other than
REMIC
III Regular Interests II-AA, II-ZZ and II-IO) shall be multiplied by a fraction,
the numerator of which is 30 and the denominator of which is the actual number
of days in the related Accrual Period.
Group
II Maximum Uncertificated Accrued Interest Deferral Amount:
With
respect to any Distribution Date, the excess of (i) accrued interest at the
Uncertificated REMIC III Pass-Through Rate applicable to REMIC III Regular
Interest II-ZZ for such Distribution Date on a balance equal to the
Uncertificated Principal Balance of REMIC III Regular Interest II-ZZ minus
the
REMIC III Group II Overcollateralization Amount, in each case for such
Distribution Date, over (ii) the aggregate amount of Uncertificated Accrued
Interest for such Distribution Date on the REMIC III Group II Regular Interests
(other than REMIC III Regular Interests II-AA, II-ZZ and II-IO), with the
rate
on each such REMIC III Group II Regular Interest subject to a cap equal to
the
lesser of (x) the Pass Through Rate for the Corresponding Certificate determined
without regard to the related Net WAC Cap Rate and (y) the Net WAC Cap Rate
for
the REMIC IV Regular Interest the ownership of which is represented by the
Corresponding Certificate for the purpose of this calculation for such
Distribution Date; provided, however, that solely for this purpose, the related
cap with respect to each REMIC III Group II Regular Interest (other than
REMIC
III Regular Interests II-AA, II-ZZ and II-IO) shall be multiplied by a fraction,
the numerator of which is 30 and the denominator of which is the actual number
of days in the related Accrual Period.
Group
II Mortgage Loan:
A Group
II Mortgage Loan transferred and assigned to the Trustee on the Closing Date
pursuant to Section 2.01 and held as a part of the Trust, as identified in
the
Mortgage Loan Schedule.
Group
II Net Swap Payment:
With
respect to each Distribution Date, the net payment required to be made pursuant
to the terms of the Group II Interest Rate Swap Agreement by either the Group
II
Swap Provider or the Swap Administrator, which net payment shall not take
into
account any Group II Swap Termination Payment.
Group
II Net WAC Cap Rate:
With
respect to any Distribution Date and any Class II-A, Class II-M and Class
II-B
Certificates, a per annum rate equal to the excess, if any, of (A) the
weighted
average of the Net Mortgage Rates on the then outstanding Group II Mortgage
Loans, weighted based on their Stated Principal Balances as of the related
Due
Date prior to giving effect to any reduction in the Stated Principal Balances
of
the Group II Mortgage Loans on such Due Date, over (B) a per annum rate
equal to
the sum of the Group II Net Swap Payment and any Group II Swap Termination
Payment not due to a Group II Swap Provider Trigger Event payable to the
Group
II Swap Provider, in each case on such Distribution Date (to the extent
not paid
by the Group II Supplemental Interest Trust from any upfront payment received
pursuant to any related replacement interest rate swap agreement that may
be
entered into by the Group II Supplemental Interest Trust Trustee), divided
by
the outstanding Stated Principal Balance of the Group II Mortgage Loans
as of
the related Due Date prior to giving effect to any reduction in the Stated
Principal Balances of such Mortgage Loans on such due date, multiplied
by 12.
The Group II Net WAC Cap Rate for such Classes of Group II Certificates
will be
calculated based on a 360-day year and the actual number of days elapsed
in the
related Accrual Period. With respect to any Distribution Date and each
REMIC IV
Regular Interest the ownership of which is represented by a Class II-A,
Class
II-M or Class II-B Certificate, a per annum rate equal to the weighted
average
(adjusted for the actual number of days elapsed in the related Accrual
Period)
of the Uncertificated REMIC III Pass-Through Rates on the REMIC III Group
II
Regular Interests (other than REMIC III Regular Interest II-IO), weighted
on the
basis of the Uncertificated Principal Balances of each such REMIC III Regular
Interest immediately prior to such Distribution Date.
Group
II Offered Certificates:
Any of
the Class II-A, Class II-M, Class II-B-1, Class II-B-2 and Class II-B-3
Certificates.
Group
II Optional Termination:
The
termination of the Group II Sub-Trust created hereunder as a result of
the
purchase of all of the Group II Mortgage Loans and any REO Property pursuant
to
the last sentence of Section 11.01 hereof.
Group
II Optional Termination Date:
The
Distribution Date on which the Stated Principal Balance of all of the Group
II
Mortgage Loans is equal to or less than 20% of the Stated Principal Balance
of
all of the Group II Mortgage Loans as of the Cut-off Date.
Group
II Overcollateralization Amount:
With
respect to any Distribution Date, the excess, if any, of the aggregate
Stated
Principal Balance of the Group II Mortgage Loans as of the last day of
the
related Due Period (after giving effect to scheduled payments of principal
due
during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment
Period, and after reduction for related Realized Losses incurred during
the
related Due Period) over the aggregate Certificate Principal Balance of
the
Group II Certificates (other than the Class II-C Certificates) on such
Distribution Date (after taking into account the payment of principal other
than
any Group II Extra Principal Distribution Amount on such
Certificates).
Group
II Overcollateralization Floor:
With
respect to the Group II Certificates, an amount equal to 0.50% of the aggregate
Stated Principal Balance of the Group II Mortgage Loans as of the Cut-off
Date.
Group
II Overcollateralization Release Amount:
With
respect to any Distribution Date, the lesser of (x) the Group II Principal
Remittance Amount for such Distribution Date and (y) the excess, if any,
of (i)
the Group II Overcollateralization Amount for such Distribution Date (assuming
that 100% of the Group II Principal Remittance Amount is applied as a principal
payment on such Distribution Date) over (ii) the Group II Overcollateralization
Target Amount for such Distribution Date (with the amount pursuant to clause
(y)
deemed to be $0 if the Group II Overcollateralization Amount is less than
or
equal to the Group II Overcollateralization Target Amount on that Distribution
Date).
Group
II Overcollateralization Target Amount:
With
respect to any Distribution Date (a) prior to the Stepdown Date, 4.50%
of the
aggregate Stated Principal Balance of the Group II Mortgage Loans as of
the
Cut-off Date, (b) on or after the Group II Stepdown Date and if a Group
II
Trigger Event is not in effect, the greater of (i) the lesser of (1) 4.50%
of
the aggregate Stated Principal Balance of the Group II Mortgage Loans as
of the
Cut-off Date and (2) 9.00% of the then current aggregate Stated Principal
Balance of the Group II Mortgage Loans as of the last day of the related
Due
Period (after giving effect to scheduled payments of principal due during
the
related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period,
and
after reduction for Realized Losses incurred during the related Due Period)
and
(ii) the Group II Overcollateralization Floor or (c) on or after the Group
II
Stepdown Date and if a Group II Trigger Event is in effect, the Group II
Overcollateralization Target Amount for the immediately preceding Distribution
Date.
Group
II Principal Distribution Amount:
With
respect to any Distribution Date, an amount equal to (x) the sum of (1)
the
Group II Principal Remittance Amount for such Distribution Date and (2)
any
Group II Extra Principal Distribution Amount for such Distribution Date
minus
(y) the amount of any Group II Overcollateralization Release Amount for
such
Distribution Date.
Group
II Principal Funds:
With
respect to any Distribution Date and Loan Group II, (i) the sum, without
duplication, of (a) all scheduled principal collected during the related
Due
Period, (b) all Advances relating to principal made on or before the
Distribution Account Deposit Date with respect to the Group II Mortgage
Loans,
(c) Principal Prepayments with respect to the Group II Mortgage Loans exclusive
of prepayment charges or penalties collected during the related Prepayment
Period, (d) the Stated Principal Balance of each Group II Mortgage Loan
that was
repurchased by EMC on its own behalf as Seller and on behalf of Master
Funding)
pursuant to Sections 2.02 and 2.03, (e) the aggregate of all Substitution
Adjustment Amounts for the related Determination Date in connection with
the
substitution of any Group II Mortgage Loans pursuant to Section 2.03(d),
(f) all
Liquidation Proceeds and Subsequent Recoveries with respect to the Group
II
Mortgage Loans collected during the related Prepayment Period (to the extent
such Liquidation Proceeds and Subsequent Recoveries relate to principal),
in
each case to the extent remitted by the Master Servicer to the Distribution
Account pursuant to this Agreement and (g) amounts in respect of principal
paid
by the Majority Class II-C Certificateholder or the Master Servicer, as
applicable, pursuant to Section 11.01, minus (i) all amounts required to
be
reimbursed pursuant to Sections 5.02 and 5.09 or as otherwise set forth
in this
Agreement and (ii) minus any Group II Net Swap Payments or Group II Swap
Termination Payments (not due to a Group II Swap Provider Trigger Event
and to
the extent not paid by the Swap Administrator from any upfront payment
received
pursuant to any replacement interest rate swap agreement that may be entered
into by the Group II Supplemental Interest Trust Trustee) owed to the Swap
Administrator for payment to the Group II Swap Provider for such Distribution
Date and any such payments remaining unpaid for any prior Distribution
Dates, in
each case to the extent not paid from Interest Funds.
Group
II Principal Remittance Amount:
With
respect to each Distribution Date, the sum of the amounts listed in clauses
(i)(a) through (i)(g) of the definition of Group II Principal
Funds.
Group
II Regular Certificate:
Any of
the Group II Certificates other than the Group II Residual
Certificates.
Group
II REMIC Termination Payment:
As
defined in Section 11.01.
Group
II Remaining Excess Spread:
With
respect to any Distribution Date, the Group II Excess Spread less any Group
II
Extra Principal Distribution Amount, in each case for such Distribution
Date.
Group
II Reserve Fund:
Shall
mean the separate trust account created and maintained by the Securities
Administrator pursuant to Section 4.15 hereof.
Group
II Reserve Fund
Deposit:
With
respect to the Group II Reserve Fund, an amount equal to $5,000, which
the
Depositor shall initially deposit into the Group II Reserve Fund pursuant
to
Section 4.15 hereof.
Group
II Residual Certificates:
The
Class II-R-1 Certificates and Class II-RX Certificates (representing ownership
of the Class II-R-7 Interest and Class II-R-8 Interest), each evidencing
the
sole class of Residual Interests in the related REMIC.
Group
II Senior Certificates:
Any of
the Class II-A Certificates.
Group
II Significance Estimate:
With
respect to any Distribution Date, and in accordance with Item 1115 of Regulation
AB, shall be an amount determined based on the reasonable good-faith estimate
by
the Sponsor or its affiliate of the aggregate maximum probable exposure
of the
outstanding Certificates to the Group II Interest Rate Swap Agreement.
Group
II Significance Percentage:
With
respect to any Distribution Date, and in accordance with Item 1115 of Regulation
AB, shall be a percentage equal to the Significance Estimate divided by
the
aggregate outstanding Certificate Principal Balance of the Class II-A,
Class
II-M and Class II-B Certificates, prior to the distribution of the Principal
Distribution Amount on such Distribution Date.
Group
II Sixty-Day Plus Delinquency Percentage:
With
respect to any Distribution Date, is the arithmetic average for each of
the
three successive Distribution Dates ending with the applicable Distribution
Date
of the percentage equivalent of a fraction, the numerator of which is the
aggregate Stated Principal Balance of the Group II Mortgage Loans that
are 60 or
more days delinquent in the payment of principal or interest for the relevant
Distribution Date, including any Group II Mortgage Loans in foreclosure,
REO and
Group II Mortgage Loans with a related Mortgagor subject to bankruptcy
proceedings, and the denominator of which is the aggregate Stated Principal
Balance of all of the Group II Mortgage Loans immediately preceding such
Distribution Date.
Group
II Stepdown Date:
The
earlier to occur of (I) the first Distribution Date following the Distribution
Date for which the Certificate Principal Balance for each of the Class
II-A
Certificates have been reduced to zero, and (II) the later to occur of
(a) the
Distribution Date in May 2009 and (b) the first Distribution Date on which
the
Group II Current Specified Enhancement Percentage is greater than or equal
to
57.20%.
Group
II Supplemental Interest Trust:
The
corpus of a trust created pursuant to Section 4.15 of this Agreement and
designated as the “Group II Supplemental Interest Trust,” consisting of the
Group II Interest Rate Swap Agreement, the rights in respect of the Swap
Administration Agreement that relate to Loan Group II and the Group II
Swap
Account. For the avoidance of doubt, the Group II Supplemental Interest
Trust,
the Group II Interest Rate Swap Agreement, the Group II Swap Account and
the
Swap Administration Agreement do not constitute parts of the Trust Fund
or any
REMIC.
Group
II Supplemental Interest Trust Trustee:
LaSalle
not in its individual capacity but solely in its capacity as Group II
Supplemental Interest Trust Trustee and any successor thereto, and any
corporation or national banking association resulting from or surviving
any
consolidation or merger to which it or its successors may be a party and
any
successor Group II Supplemental Interest Trust Trustee as may from time
to time
be serving as successor Group II Supplemental Interest Trust
Trustee.
Group
II Swap Optional Termination Payment:
As
defined in Section 11.01.
Group
II Swap Provider:
The
swap provider under the Group II Swap Agreement either (a) entitled to
receive
payments from the Derivative Administrator from amounts payable by the
Trust
Fund with respect to Loan Group II under this Agreement or (b) required
to make
payments to the Derivative Administrator for payment to the Trust Fund
with
respect to Loan Group II, in either case pursuant to the terms of the Group
II
Swap Agreement, and any successor in interest or assign. Initially, the
Group II
Swap Provider shall be Bear Xxxxxxx Financial Products Inc.
Group
II Swap Provider Trigger Event:
With
respect to any Distribution Date, (i) an Event of Default under the Group
II
Swap Agreement with respect to which the Group II Swap Provider is a Defaulting
Party, (ii) a Termination Event under the Group II Swap Agreement with
respect
to which the Group II Swap Provider is the sole Affected Party, or (iii)
an
Additional Termination Event under the Group II Swap Agreement with respect
to
which the Group II Swap Provider is the sole Affected Party.
Group
II Swap Termination Payment:
Upon
the designation of an “Early Termination Date” as defined in the Group II
Interest Rate Swap Agreement, the payment to be made by the Swap Administrator
to the Group II Swap Provider from payments from the Trust Fund, or by
the Group
II Swap Provider to the Swap Administrator for payment to the Trust Fund,
as
applicable, pursuant to the terms of the Group II Interest Rate Swap
Agreement.
Group
II Sub-Trust:
The
portion of the Trust Fund allocated to Loan Group I.
Group
II Trigger Event:
With
respect to any Distribution Date, a “Group II Trigger Event” shall have occurred
if any of the following tests is not satisfied: (i) the Group II Sixty-Day
Plus
Delinquency Percentage is less than 14.00% of the Group II Specified Enhancement
Percentage, or (ii)(A) for any Distribution Date from and including the
Distribution Date in May 2008 to and including the Distribution Date in
April
2009, the Group II Cumulative Realized Loss Percentage for such Distribution
Date is less than 2.25% plus an additional 1/12th
of 2.85%
for each Distribution Date thereafter up to and including the Distribution
Date
in April 2009, (B) for any Distribution Date from and including the Distribution
Date in May 2009 to and including the Distribution Date in April 2010,
the
Cumulative Realized Loss Percentage for such Distribution Date is less
than
5.10%, plus an additional 1/12th
of 2.80%
for each Distribution Date thereafter up to and including the Distribution
Date
in April 2010, (C) for any Distribution Date from and including the Distribution
Date in May 2010 to and including the Distribution Date in April 2011,
the Group
II Cumulative Realized Loss Percentage for such Distribution Date is less
than
7.90%, plus an additional 1/12th
of 2.25%
for each Distribution Date thereafter up to and including the Distribution
Date
in April 2011, (D) for any Distribution Date from and including the Distribution
Date in May 2011 to and including the Distribution Date in April 2012,
the
Cumulative Realized Loss Percentage for such Distribution Date is less
than
10.15%, plus an additional 1/12th
of 1.10%
for each Distribution Date thereafter up to and including the Distribution
Date
in April 2012, and (E) for any Distribution Date thereafter, the Group
II
Cumulative Realized Loss Percentage for such Distribution Date is less
than
11.25%.
Indemnified
Persons:
The
Trustee, the Master Servicer, the Company, the Trust Fund and the Securities
Administrator, including LaSalle Bank National Association in its individual
capacity, and their respective officers, directors, agents and employees
and,
with respect to the Trustee, any separate co-trustee and its officers,
directors, agents and employees.
Independent:
When
used with respect to any accountants, a Person who is “independent” within the
meaning of Rule 2-01(B) of the Securities and Exchange Commission’s Regulation
S-X. Independent means, when used with respect to any other Person, a Person
who
(A) is in fact independent of another specified Person and any affiliate
of such
other Person, (B) does not have any material direct or indirect financial
interest in such other Person or any affiliate of such other Person, (C)
is not
connected with such other Person or any affiliate of such other Person
as an
officer, employee, promoter, underwriter, securities administrator, partner,
director or Person performing similar functions and (D) is not a member
of the
immediate family of a Person defined in clause (B) or (C) above.
Individual
Certificate:
Any
Private Certificate registered in the name of a Holder other than the Depository
or its nominee.
Initial
Certification:
The
certification by a Custodian substantially in the form of Exhibit One to
the
related Custodial Agreement.
Initial
Certificate Principal Balance:
With
respect to any Certificate, the Certificate Principal Balance of such
Certificate or any predecessor Certificate on the Closing Date.
Institutional
Accredited Investor:
Any
Person meeting the requirements of Rule 501(a)(l), (2), (3) or (7) of Regulation
D under the Securities Act or any entity all of the equity holders in which
come
within such paragraphs.
Insurance
Policy:
With
respect to any Mortgage Loan included in the Trust Fund, any insurance
policy,
including all riders and endorsements thereto in effect with respect to
such
Mortgage Loan, including any replacement policy or policies for any Insurance
Policies.
Insurance
Proceeds:
Proceeds paid in respect of the Mortgage Loans pursuant to any Insurance
Policy
and any other insurance policy covering a Mortgage Loan, to the extent
such
proceeds are payable to the mortgagee under the Mortgage, the Company,
the
related Servicer or the trustee under the deed of trust and are not applied
to
the restoration of the related Mortgaged Property or released to the Mortgagor
in accordance with the procedures that the Company or the related Servicer
would
follow in servicing mortgage loans held for its own account, in each case
other
than any amount included in such Insurance Proceeds in respect of Insured
Expenses.
Insured
Expenses:
Expenses covered by any insurance policy with respect to the Mortgage
Loans.
Interest
Carry Forward Amount:
As of
any Distribution Date and with respect to each Class of Certificates (other
than
the Class C Certificates and the Residual Certificates), the sum of (i)
the
excess of (a) the Current Interest for such Class with respect to such
Distribution Date and any prior Distribution Dates over (b) the amount
actually
distributed to such Class of Certificates with respect to interest on such
Distribution Dates and (ii) interest thereon (to the extent permitted by
applicable law) at the applicable Pass-Through Rate for such Class for
the
related Accrual Period including the Accrual Period relating to such
Distribution Date.
Interest
Determination Date:
Shall
mean the second LIBOR Business Day preceding the commencement of each Accrual
Period.
Interest
Funds:
With
respect to any Distribution Date and each Loan Group (i) the sum, without
duplication, of (a) all scheduled interest during the related Due Period
with
respect to the related Mortgage Loans less the related Servicing Fee and
the
Master Servicing Fee, if any, (b) all Advances relating to interest with
respect
to the related Mortgage Loans made on or prior to the related Distribution
Account Deposit Date, (c) all Compensating Interest with respect to the
related
Mortgage Loans and required to be remitted by the related Servicer or the
Master
Servicer pursuant to this Agreement with respect to such Distribution Date,
(d)
Liquidation Proceeds and Subsequent Recoveries with respect to the related
Mortgage Loans collected during the related Prepayment Period (to the extent
such Liquidation Proceeds and Subsequent Recoveries relate to interest),
(e) all
amounts relating to interest with respect to each Mortgage Loan in the
related
Loan Group repurchased by EMC (on its own behalf as Seller and on behalf
of
Master Funding) pursuant to Sections 2.02 and 2.03 and by EMC pursuant
to
Section 3.05, in each case to the extent remitted by the Master Servicer
to the
Distribution Account pursuant to this Agreement and (f) the interest portion
of
any proceeds received from the exercise of a Group I Optional Termination
or
Group II Optional Termination, as applicable, minus (i) all amounts relating
to
interest required to be reimbursed pursuant to Sections 5.02 and 5.09 or
as
otherwise set forth in this Agreement and (ii) any related Net Swap Payment
or
related Swap Termination Payment (not due to a Group II Swap Provider Trigger
Event and to the extent not paid by the Swap Administrator from any upfront
payment received pursuant to any replacement interest rate swap agreements
that
may be entered into by the related Supplemental Interest Trust Trustee)
owed to
the Swap Administrator for payment to the related Swap Provider for such
Distribution Date and any such payments remaining unpaid for any prior
Distribution Dates.
Interim
Certification:
The
certification by a Custodian substantially in the form of Exhibit Two to
the
related Custodial Agreement.
LaSalle:
LaSalle
Bank National Association, and any successor in interest.
LaSalle
Custodial Agreement:
The
Custodial Agreement, dated as of April 28, 2006, among the Depositor, EMC,
as
Sponsor, the Master Servicer, the Trustee and LaSalle as Custodian relating
to
the Mortgage Loans identified in such Custodial Agreement.
Last
Scheduled Distribution Date:
Solely
for purposes of the face of the Certificates as follows: with respect to
the
Group I Certificates, the Distribution Date in April 2036 and with respect
to
the Group II Certificates, the Distribution Date in May 2036.
Latest
Possible Maturity Date:
For
purposes of the Treasury regulations under Sections 860A through 860G of
the
Code, the latest possible maturity date of each Regular Interest issued
by REMIC
I, each REMIC III Group I Regular Interest, each Regular Interest issued
by
REMIC IV the ownership of which is represented by the Group I Offered
Certificates and Class I-B-4 Certificates, the Class I-C Interest, the
Class
I-IO Interest, the Class I-C Certificates and REMIC VI Regular Interest
IO shall
be the Distribution Date in the month following the final scheduled maturity
date of the Group I Mortgage Loan in the Trust Fund having the latest scheduled
maturity date as of the Cut-off Date, and the latest possible maturity
date of
each Regular Interest issued by REMIC II, each REMIC III Group II Regular
Interest, each Regular Interest issued by REMIC IV the ownership of which
is
represented by the Group II Offered Certificates and Class II-B-4 Certificates,
the Class II-C Interest, the Class II-IO Interest, the Class II-C Certificates
and REMIC VIII Regular Interest IO shall be the Distribution Date in the
month
following the final scheduled maturity date of the Group II Mortgage Loan
in the
Trust Fund having the latest scheduled maturity date as of the Cut-off
Date.
LIBOR
Business Day:
Shall
mean a day on which banks are open for dealing in foreign currency and
exchange
in London and New York City.
Liquidated
Loan:
With
respect to any Distribution Date, a defaulted Mortgage Loan that has been
liquidated through deed-in-lieu of foreclosure, foreclosure sale, trustee’s sale
or other realization as provided by applicable law governing the real property
subject to the related Mortgage and any security agreements and as to which
the
Company or the related Servicer has made a Final Recovery Determination
with
respect thereto.
Liquidation
Proceeds:
Amounts, other than Insurance Proceeds, received in connection with the
partial
or complete liquidation of a Mortgage Loan, whether through trustee’s sale,
foreclosure sale or otherwise, or in connection with any condemnation or
partial
release of a Mortgaged Property and any other proceeds received with respect
to
an REO Property, less the sum of related unreimbursed Advances, Servicing
Fees
and Servicing Advances and all expenses of liquidation, including property
protection expenses and foreclosure and sale costs, including court and
reasonable attorneys fees.
Loan
Group:
Any of
Loan Group I or Loan Group II.
Loan
Group I:
The
Mortgage Loans included as part of Loan Group I on the Mortgage Loan
Schedule.
Loan
Group II:
The
Mortgage Loans included as part of Loan Group II on the Mortgage Loan
Schedule.
Majority
Class I-C Certificateholder:
The
Holder of a 50.01% or greater Percentage Interest in the Class I-C
Certificates.
Majority
Class II-C Certificateholder:
The
Holder of a 50.01% or greater Percentage Interest in the Class II-C
Certificates.
Master
Funding:
Master
Funding LLC, a Delaware limited liability company, and its successors and
assigns, in its capacity as the seller of the Master Funding Mortgage Loans
to
the Depositor.
Master
Funding Mortgage Loans:
The
Mortgage Loans identified as such on the Mortgage Loan Schedule for which
Master
Funding is the applicable Sponsor.
Master
Servicer:
LaSalle
Bank National Association, in its capacity as master servicer, and its
successors and assigns or any successor master servicer appointed as herein
provided.
Master
Servicer Collection Account:
The
trust accounts or accounts created and maintained pursuant to Section 5.06
hereof, which shall be entitled “LaSalle Bank National Association, as master
servicer, on behalf of Citibank, N.A., as Trustee f/b/o holders of Bear
Xxxxxxx
Asset Backed Securities I LLC, Mortgage-Backed Certificates, Series 2006-5
-
Master Servicer Collection Account”. The Master Servicer Collection Account may
be a sub-account of the Distribution Account.
Master
Servicing Compensation:
For any
Distribution Date, the Master Servicing Fee for such Distribution
Date.
Master
Servicing Fee:
As to
each Mortgage Loan and any Distribution Date, an amount equal to 1/12th
of the
Master Servicing Fee Rate multiplied by the Stated Principal Balance of
such
Mortgage Loan as of the Due Date in the month preceding the month in which
such
Distribution Date occurs.
Master
Servicing Fee Rate:
0.0125%
per annum.
Master
Servicing Officer:
Any
officer of the Master Servicer responsible for the master servicing of
the
Mortgage Loans.
Maximum
Mortgage Rate:
With
respect to each Adjustable Rate Mortgage Loan, the percentage set forth
in the
related Mortgage Note as the maximum Mortgage Rate thereunder.
MERS:
Mortgage Electronic Registration Systems, Inc., a corporation organized
and
existing under the laws of the State of Delaware, or any successor
thereto.
MERS®
System:
The
system of recording transfers of Mortgages electronically maintained by
MERS.
MIN:
The
Mortgage Identification Number for Mortgage Loans registered with MERS
on the
MERS® System.
Minimum
Mortgage Rate:
With
respect to each Adjustable Rate Mortgage Loan, the percentage set forth
in the
related Mortgage Note as the minimum Mortgage Rate thereunder.
MOM
Loan:
With
respect to any Mortgage Loan, MERS acting as the mortgagee of such Mortgage
Loan, solely as nominee for the originator of such Mortgage Loan and its
successors and assigns, at the origination thereof.
Monthly
Statement:
The
statement prepared and delivered by the Securities Administrator pursuant
to
Section 6.06.
Moody’s:
Xxxxx’x
Investors Service, Inc., and any successor thereto.
Mortgage:
The
mortgage, deed of trust or other instrument creating a second lien on or
second
priority ownership interest in an estate in fee simple in real property
securing
a Mortgage Note.
Mortgage
File:
The
mortgage documents listed in Section 2.01 hereof pertaining to a particular
Mortgage Loan and any additional documents delivered to the related Custodian
to
be added to the Mortgage File pursuant to this Agreement and the related
Custodial Agreement.
Mortgage
Loan Purchase Agreement:
The
Mortgage Loan Purchase Agreement, dated as of April 28, 2006, between EMC,
as
sponsor and seller and the Depositor, as purchaser, in the form attached
hereto
as Exhibit L.
Mortgage
Loan Purchase Price:
The
price, calculated as set forth in Section 11.01, to be paid in connection
with
the repurchase of the Mortgage Loans pursuant to Section 11.01.
Mortgage
Loans:
Such of
the mortgage loans transferred and assigned to the Trustee pursuant to
the
provisions hereof, as from time to time are held as a part of the Trust
Fund
(including any REO Property), the mortgage loans so held being identified
in the
Mortgage Loan Schedule and separated into Group I Mortgage Loans and Group
II
Mortgage Loans, notwithstanding foreclosure or other acquisition of title
of the
related Mortgaged Property.
Mortgage
Loan Schedule:
The
list of Mortgage Loans (as from time to time amended by the Company or
the
Master Servicer to reflect the deletion of Deleted Mortgage Loans and the
addition of Replacement Mortgage Loans pursuant to the provisions of this
Agreement) transferred to the Trustee as part of the Trust Fund and from
time to
time subject to this Agreement, the Mortgage Loan Schedule being attached
hereto
as Exhibit B, with respect to the Mortgage Loans and as amended from time
to
time to reflect the repurchase or substitution of Mortgage Loans pursuant
to
this Agreement or the Mortgage Loan Purchase Agreement, as the case may
be,
setting forth the following information with respect to each Mortgage
Loan:
(a) the
city,
state and zip code of the Mortgaged Property;
(b) the
property type;
(c) the
Mortgage Interest Rate;
(d) the
Servicing Fee Rate;
(e) the
Master Servicer's Fee Rate;
(f) the
LPMI
Fee;
(g) the
Net
Rate;
(h) the
maturity date;
(i) the
stated original term to maturity;
(j) the
stated remaining term to maturity;
(k) the
original Principal Balance;
(l) the
first
payment date;
(m) the
principal and interest payment in effect as of the Cut-off Date;
(n) the
unpaid Principal Balance as of the Cut-off Date;
(o) the
Loan-to-Value Ratio at origination;
(p) the
insurer of any Primary Mortgage Insurance Policy;
(q) the
MIN
with respect to each MOM Loan;
(r) the
Gross
Margin, if applicable;
(s) the
next
Adjustment Date, if applicable;
(t) the
Maximum Mortgage Rate, if applicable;
(u) the
Minimum Mortgage Rate, if applicable;
(v) the
Periodic Rate Cap, if applicable;
(w) the
Loan
Group, if applicable;
(x) a
code
indicating whether the Mortgage Loan is negatively amortizing;
(y) which
Mortgage Loans adjust after an initial fixed-rate period of one, two, three,
five, seven or ten years or any other period;
(z) the
Prepayment Charge, if any;
(aa) lien
position (e.g., first lien or second lien);
(bb) a
code
indicating whether the Mortgage Loan is has a balloon payment;
(cc) a
code
indicating whether the Mortgage Loan is an interest-only loan;
(dd) the
interest-only term, if applicable;
(ee) the
Mortgage Loan Seller; and
(ff) the
original amortization term.
Such
schedule also shall set forth for all of the Mortgage Loans, the total
number of
Mortgage Loans, the total of each of the amounts described under (n) and
(j)
above, the weighted average by principal balance as of the Cut-off Date
of each
of the rates described under (c) through (h) above, and the weighted average
remaining term to maturity by unpaid principal balance as of the Cut-off
Date.
Mortgage
Note:
The
original executed note or other evidence of indebtedness of a Mortgagor
under a
Mortgage Loan.
Mortgage
Rate:
With
respect to each Mortgage Loan, the rate set forth in the related Mortgage
Note.
With respect to each Mortgage Loan that becomes an REO Property, as of
any date
of determination, the annual rate determined in accordance with the immediately
preceding sentence as of the date such Mortgage Loan became an REO
Property.
Mortgaged
Property:
The
underlying property securing a Mortgage Loan.
Mortgagor:
The
obligors on a Mortgage Note.
Net
Mortgage Rate:
As to
each Mortgage Loan, and at any time, the per annum rate equal to the related
Mortgage Rate less the sum of (i) the Servicing Fee Rate and (ii) the Master
Servicing Fee Rate.
Net
WAC Cap Rate:
Any of
the Group I Net WAC Cap Rate and Group II Net WAC Cap Rate.
Net
Swap Payment:
Any of
the Group I Net Swap Payment or the Group II Net Swap Payment.
Non-Book-Entry
Certificate:
Any
Certificate other than a Book-Entry Certificate.
Nonrecoverable
Advance:
Any
portion of an Advance previously made or proposed to be made by the Company
or
the Master Servicer pursuant to this Agreement that, in the good faith
judgment
of the Company or the Master Servicer, will not or, in the case of a proposed
advance, would not, be ultimately recoverable by it from the related Mortgagor,
related Liquidation Proceeds, Insurance Proceeds or otherwise.
Notional
Amount:
With
respect to each Distribution Date and the related Swap Agreement, the notional
amount for the related calculation period as set forth in the related schedule
set forth in Exhibit N-1 or Exhibit N-2, respectively.
Offered
Certificates:
Any of
the Group I Offered Certificates and Group II Offered Certificates.
Officer’s
Certificate:
A
certificate (i) signed by the Chairman of the Board, the Vice Chairman
of the
Board, the President, a Vice President (however denominated), an Assistant
Vice
President, the Treasurer, the Secretary, or one of the assistant treasurers
or
assistant secretaries of the Depositor, the Sponsor or the Master Servicer
(or
any other officer customarily performing functions similar to those performed
by
any of the above designated officers and also to whom, with respect to
a
particular matter, such matter is referred because of such officer’s knowledge
of and familiarity with a particular subject) or (ii), if provided for
in this
Agreement, signed by a Servicing Officer, as the case may be, and delivered
to
the Depositor, the Sponsor, the Securities Administrator, the Master Servicer
and/or the Trustee, as the case may be, as required by this
Agreement.
One-Month
LIBOR:
With
respect to any Accrual Period, the rate determined by the Securities
Administrator on the related Interest Determination Date on the basis of
the
rate for U.S. dollar deposits for one month that appears on Telerate Screen
Page
3750 as of 11:00 a.m. (London time) on such Interest Determination Date.
If such
rate does not appear on such page (or such other page as may replace that
page
on that service, or if such service is no longer offered, such other service
for
displaying One-Month LIBOR or comparable rates as may be reasonably selected
by
the Securities Administrator), One-Month LIBOR for the applicable Accrual
Period
will be the Reference Bank Rate. If no such quotations can be obtained
by the
Securities Administrator and no Reference Bank Rate is available, One-Month
LIBOR will be One-Month LIBOR applicable to the preceding Accrual Period.
The
establishment of One-Month LIBOR on each Interest Determination Date by
the
Securities Administrator and the Securities Administrator’s calculation of the
rate of interest applicable to the Class A, Class M and Class B Certificates
for
the related Accrual Period shall, in the absence of manifest error, be
final and
binding.
Opinion
of Counsel:
A
written opinion of counsel, who may be counsel for EMC, the Depositor,
the
Company or the Master Servicer, reasonably acceptable to each addressee
of such
opinion; provided that with respect to Section 2.05, 8.05, 8.07 or 12.01,
or the
interpretation or application of the REMIC Provisions, such counsel must
(i) in
fact be independent of EMC, Depositor, the Company and the Master Servicer,
(ii)
not have any direct financial interest in EMC, the Depositor, the Company
or the
Master Servicer or in any affiliate of either, and (iii) not be connected
with
EMC, the Depositor, the Company or the Master Servicer as an officer, employee,
promoter, underwriter, trustee, partner, director or person performing
similar
functions.
Optional
Termination Date:
The
Group I Optional Termination Date or Group II Optional Termination Date,
as
applicable.
Original
Value:
The
value of the property underlying a Mortgage Loan based, in the case of
the
purchase of the underlying Mortgaged Property, on the lower of an appraisal
or
the sales price of such property or, in the case of a refinancing, on an
appraisal.
Outstanding:
With
respect to the Certificates as of any date of determination, all Certificates
theretofore executed and authenticated under this Agreement except:
(a) Certificates
theretofore canceled by the Securities Administrator or delivered to the
Securities Administrator for cancellation; and
(b) Certificates
in exchange for which or in lieu of which other Certificates have been
executed
and delivered by the Securities Administrator pursuant to this
Agreement.
Outstanding
Mortgage Loan:
As of
any date of determination, a Mortgage Loan with a Stated Principal Balance
greater than zero that was not the subject of a Principal Prepayment in
full,
and that did not become a Liquidated Loan, prior to the end of the related
Prepayment Period.
Overcollateralization
Amount:
The
Group I Overcollateralization Amount and Group II Overcollateralization
Amount,
as applicable.
Overcollateralization
Release Amount:
The
Group I Overcollateralization Release Amount or Group II Overcollateralization
Release Amount, as applicable.
Overcollateralization
Target Amount:
The
Group I Overcollateralization Target Amount or Group II Overcollateralization
Target Amount, as applicable.
Ownership
Interest:
As to
any Certificate, any ownership interest in such Certificate including any
interest in such Certificate as the Holder thereof and any other interest
therein, whether direct or indirect, legal or beneficial.
Pass-Through
Rate:
With
respect to any Class A, Class M and Class B Certificate and, for purposes
of the
definition of “Group I Marker Rate”, “Group I Maximum Uncertificated Accrued
Interest Deferral Amount”, “Group II Marker Rate” and “Group II Maximum
Uncertificated Accrued Interest Deferral Amount” each REMIC III Regular Interest
for which such Certificate is the Corresponding Certificate, and any
Distribution Date, a rate per annum equal to the least of (i) One-Month
LIBOR
plus the related Certificate Margin, (ii) 11.00% per annum and (iii) the
Group I
Net WAC Cap Rate or Group II Net WAC Cap Rate, as applicable, for such
Distribution Date.
With
respect to the Class I-C Interest and any Distribution Date, a rate per
annum
equal to the percentage equivalent of a fraction, the numerator of which
is the
sum of the amount determined for each REMIC III Group I Regular Interest
(other
than REMIC III Regular Interest I-IO) equal to the product of (a) the excess,
if
any, of the Uncertificated REMIC III Pass-Through Rate for such REMIC III
Group
I Regular Interest over the Group I Marker Rate and (b) a notional amount
equal
to the Uncertificated Principal Balance of such REMIC III Group I Regular
Interest, and the denominator of which is the aggregate Uncertificated
Principal
Balance of such REMIC III Group I Regular Interests.
With
respect to the Class II-C Interest and any Distribution Date, a rate per
annum
equal to the percentage equivalent of a fraction, the numerator of which
is (x)
the sum of the amount determined for each REMIC III Group II Regular Interest
(other than REMIC III Regular Interest II-IO) equal to the product of (a)
the
excess, if any, of the Uncertificated REMIC III Pass-Through Rate for such
REMIC
III Group II Regular Interest over the Group II Marker Rate and (b) a notional
amount equal to the Uncertificated Principal Balance of such REMIC III
Group II
Regular Interest, and the denominator of which is (y) the aggregate
Uncertificated Principal Balance of such REMIC III Group II Regular
Interests.
With
respect to the Class I-C Certificate, the Class I-C Certificate shall not
have a
Pass-Through Rate, but Current Interest for such Certificate and each
Distribution Date shall be an amount equal to 100% of the amount distributable
to the Class I-C Interest for such Distribution Date.
With
respect to the Class II-C Certificate, the Class II-C Certificate shall
not have
a Pass-Through Rate, but Current Interest for such Certificate and each
Distribution Date shall be an amount equal to 100% of the amount distributable
to the Class II-C Interest for such Distribution Date.
With
respect to the Class I-IO Interest, Class I-IO Interest shall not have
a
Pass-Through Rate, but Current Interest for such interest and each Distribution
Date shall be an amount equal to 100% of the amount distributable to REMIC
III
Regular Interest I-IO for such Distribution Date.
With
respect to the Class II-IO Interest, Class II-IO Interest shall not have
a
Pass-Through Rate, but Current Interest for such interest and each Distribution
Date shall be an amount equal to 100% of the amount distributable to REMIC
III
Regular Interest II-IO for such Distribution Date.
With
respect to REMIC VI Regular Interest IO, REMIC VI Regular Interest IO shall
not
have a Pass-Through Rate, but Current Interest for such Regular Interest
and
each Distribution Date shall be an amount equal to 100% of the amount
distributable to the Class I-IO Interest for such Distribution
Date.
With
respect to REMIC VIII Regular Interest IO, REMIC VIII Regular Interest
IO shall
not have a Pass-Through Rate, but Current Interest for such Regular Interest
and
each Distribution Date shall be an amount equal to 100% of the amount
distributable to the Class II-IO Interest for such Distribution
Date.
Percentage
Interest:
With
respect to any Certificate of a specified Class, the Percentage Interest
set
forth on the face thereof or the percentage obtained by dividing the
Denomination of such Certificate by the aggregate of the Denominations
of all
Certificates of such Class.
Permitted
Investments:
At any
time, any one or more of the following obligations and securities:
(i) obligations
of the United States or any agency thereof, provided such obligations are
backed
by the full faith and credit of the United States;
(ii) general
obligations of or obligations guaranteed by any state of the United States
or
the District of Columbia receiving the highest long-term debt rating of
each
Rating Agency, or such lower rating as will not result in the downgrading
or
withdrawal of the ratings then assigned to the Certificates by each Rating
Agency, as evidenced in writing;
(iii) commercial
or finance company paper which is then receiving the highest commercial
or
finance company paper rating of each Rating Agency, or such lower rating
as will
not result in the downgrading or withdrawal of the ratings then assigned
to the
Certificates by each Rating Agency, as evidenced in writing;
(iv) certificates
of deposit, demand or time deposits, or bankers’ acceptances issued by any
depository institution or trust company incorporated under the laws of
the
United States or of any state thereof and subject to supervision and examination
by federal and/or state banking authorities (including the Trustee, the
Master
Servicer and the Securities Administrator in its commercial banking capacity),
provided that the commercial paper and/or long term unsecured debt obligations
of such depository institution or trust company are then rated one of the
two
highest long-term and the highest short-term ratings of each Rating Agency
for
such securities, or such lower ratings as will not result in the downgrading
or
withdrawal of the rating then assigned to the Certificates by each Rating
Agency, as evidenced in writing;
(v) guaranteed
reinvestment agreements issued by any bank, insurance company or other
corporation containing, at the time of the issuance of such agreements,
such
terms and conditions as will not result in the downgrading or withdrawal
of the
rating then assigned to the Certificates by each Rating Agency, as evidenced
in
writing;
(vi) repurchase
obligations with respect to any security described in clauses (i) and (ii)
above, in either case entered into with a depository institution or trust
company (acting as principal) described in clause (v) above;
(vii) securities
(other than stripped bonds, stripped coupons or instruments sold at a purchase
price in excess of 115% of the face amount thereof) bearing interest or
sold at
a discount issued by any corporation incorporated under the laws of the
United
States or any state thereof which, at the time of such investment, have
one of
the two highest short term ratings of each Rating Agency (except if the
Rating
Agency is Moody’s, such rating shall be the highest commercial paper rating of
Moody’s for any such securities), such lower rating as will not result in the
downgrading or withdrawal of the rating then assigned to the Certificates
by any
Rating Agency, as evidenced by a signed writing delivered by each Rating
Agency;
(viii) interests
in any money market fund (including any such fund managed or advised by
the
Master Servicer and the Securities Administrator or any affiliate thereof)
which
at the date of acquisition of the interests in such fund and throughout
the time
such interests are held in such fund has the highest applicable short term
rating by each Rating Agency rating such fund, such lower rating as will
not
result in the downgrading or withdrawal of the ratings then assigned to
the
Certificates by each Rating Agency, as evidenced in writing;
(ix) short
term investment funds sponsored by any trust company or banking association
incorporated under the laws of the United States or any state thereof (including
any such fund managed or advised by the Trustee or the Master Servicer
or the
Securities Administrator or any affiliate thereof) which on the date of
acquisition has been rated by each Rating Agency in their highest applicable
rating category, such lower rating as will not result in the downgrading
or
withdrawal of the ratings then assigned to the Certificates by each Rating
Agency, as evidenced in writing; and
(x) such
other investments having a specified stated maturity and bearing interest
or
sold at a discount acceptable to each Rating Agency and will not result
in the
downgrading or withdrawal of the rating then assigned to the Certificates
by
each Rating Agency, as evidenced by a signed writing delivered by each
Rating
Agency;
provided,
that no such instrument shall be a Permitted Investment if such instrument
(i)
evidences the right to receive interest only payments with respect to the
obligations underlying such instrument, (ii) is purchased at a premium
or (iii)
is purchased at a deep discount; provided further that no such instrument
shall
be a Permitted Investment (A) if such instrument evidences principal and
interest payments derived from obligations underlying such instrument and
the
interest payments with respect to such instrument provide a yield to maturity
of
greater than 120% of the yield to maturity at par of such underlying
obligations, or (B) if it may be redeemed at a price below the purchase
price
(the foregoing clause (B) not to apply to investments in units of money
market
funds pursuant to clause (viii) above); provided further that no amount
beneficially owned by any REMIC may be invested in investments (other than
money
market funds) treated as equity interests for federal income tax purposes,
unless the Securities Administrator shall receive an Opinion of Counsel,
at the
expense of the Securities Administrator, to the effect that such investment
will
not adversely affect the status of any such REMIC as a REMIC under the
Code or
result in the imposition of a tax on any such REMIC. Permitted Investments
that
are subject to prepayment or call may not be purchased at a price in excess
of
par.
Permitted
Transferee:
Any
person (x) other than (i) the United States, any State or political subdivision
thereof, any possession of the United States or any agency or instrumentality
of
any of the foregoing, (ii) a foreign government, International Organization
or
any agency or instrumentality of either of the foregoing, (iii) an organization
(except certain farmers’ cooperatives described in section 521 of the Code) that
is exempt from tax imposed by Chapter 1 of the Code (including the tax
imposed
by section 511 of the Code on unrelated business taxable income) on any
excess
inclusions (as defined in section 860E(c)(1) of the Code) with respect
to any
Residual Certificate, (iv) rural electric and telephone cooperatives described
in section 1381(a)(2)(C) of the Code or (v) an electing large partnership
within
the meaning of Section 775(a) of the Code, (y) that is a citizen or resident
of
the United States, a corporation, partnership (other than a partnership
that has
any direct or indirect foreign partners) or other entity (treated as a
corporation or a partnership for federal income tax purposes), created
or
organized in or under the laws of the United States, any State thereof
or the
District of Columbia, an estate whose income from sources without the United
States is includible in gross income for United States federal income tax
purposes regardless of its connection with the conduct of a trade or business
within the United States, or a trust if a court within the United States
is able
to exercise primary supervision over the administration of the trust and
one or
more United States persons have authority to control all substantial decisions
of the trust or if it has a valid election in effect under applicable U.S.
Treasury regulations to be treated as a United States person and (z) other
than
any other Person so designated by the Securities Administrator based upon
an
Opinion of Counsel addressed to the Securities Administrator and the Trustee
(which shall not be an expense of the Trustee or the Securities Administrator)
that states that the Transfer of an Ownership Interest in a Residual Certificate
to such Person may cause REMIC I, REMIC II, REMIC III, REMIC IV, REMIC
V, REMIC
VI, REMIC VII or REMIC VIII to fail to qualify as a REMIC at any time that
any
Certificates are Outstanding. The terms “United States,” “State” and
“International Organization” shall have the meanings set forth in section 7701
of the Code or successor provisions. A corporation will not be treated
as an
instrumentality of the United States or of any State or political subdivision
thereof for these purposes if all of its activities are subject to tax
and, with
the exception of Xxxxxxx Mac, a majority of its board of directors is not
selected by such government unit.
Person:
Any
individual, corporation, partnership, joint venture, association, joint-
stock
company, limited liability company, trust, unincorporated organization
or
government, or any agency or political subdivision thereof.
Prepayment
Assumption:
A
prepayment rate for the Mortgage Loans of 35% CPR.
Prepayment
Charge:
Any
prepayment premium, penalty or charge payable by a Mortgagor in connection
with
any Principal Prepayment on a Mortgage Loan pursuant to the terms of the
related
Mortgage Note.
Prepayment
Charge Waiver Amount:
Any
amount paid by the Company to the Master Servicer in respect of a waived
Prepayment Charge pursuant to Section 5.01(a) or by the related Servicer
to the
Master Servicer pursuant to the related Servicing Agreement.
Prepayment
Interest Excess:
With
respect to any Distribution Date, for each EMC Mortgage Loan that was the
subject of a Principal Prepayment in full or in part during the portion
of the
related Prepayment Period occurring between the first day of the calendar
month
in which such Distribution Date occurs and the Determination Date of the
calendar month in which such Distribution Date occurs, an amount equal
to
interest (to the extent received) at the applicable Net Mortgage Rate on
the
amount of such Principal Prepayment for the number of days commencing on
the
first day of the calendar month in which such Distribution Date occurs
and
ending on the last date through which interest is collected from the related
Mortgagor.
Prepayment
Interest Shortfall:
With
respect to any Distribution Date and any Mortgage Loan, for each Mortgage
Loan
that was the subject of a partial Principal Prepayment, a Principal Prepayment
in full, or that became a Liquidated Loan during the related Prepayment
Period,
(other than a Principal Prepayment in full resulting from the purchase
of a
Mortgage Loan pursuant to Section 2.02, 2.03, 3.05 or 11.01 hereof), the
amount,
if any, by which (i) one month’s interest at the applicable Net Mortgage Rate on
the Stated Principal Balance of such Mortgage Loan immediately prior to
such
Principal Prepayment (or liquidation) or in the case of a partial Principal
Prepayment on the amount of such prepayment (or liquidation proceeds) exceeds
(ii) the amount of interest paid or collected in connection with such Principal
Prepayment or such liquidation proceeds less the sum of (a) the Master
Servicing
Fee and (b) the Servicing Fee.
Prepayment
Period:
As to
any Distribution Date (except the first Distribution Date) and (i) each
EMC
Mortgage Loan, the period commencing on the 16th day of the month prior
to the
month in which the related Distribution Date occurs and ending on the 15th
day
of the month in which such Distribution Date occurs (as to the first
Distribution Date and any EMC Mortgage Loan, the period commencing on the
Closing Date and ending on the 15th day of the month in which such Distribution
Date occurs) and (ii) any other Mortgage Loan, the period set forth in
the
related Servicing Agreement.
Principal
Prepayment:
Any
Mortgagor payment or other recovery of (or proceeds with respect to) principal
on a Mortgage Loan (including loans purchased or repurchased under Sections
2.02, 2.03, 3.05 and 11.01 hereof) that is received in advance of its scheduled
Due Date and is not accompanied by an amount as to interest representing
scheduled interest due on any date or dates in any month or months subsequent
to
the month of prepayment. Partial Principal Prepayments shall be applied
by the
Company or the related Servicer, as appropriate, in accordance with the
terms of
the related Mortgage Note.
Private
Certificates:
Any of
the Class B-4, Class C and Residual Certificates.
Prospectus
Supplement:
The
Prospectus Supplement dated April 26, 2006 relating to the public offering
of
the Offered Certificates.
Protected
Account:
Each
account established with respect to receipts on the Mortgage Loans and
REO
Property in accordance with Section 5.01 hereof or by a Servicer in accordance
with the related Servicing Agreement. Each Protected Account shall be an
Eligible Account.
PUD:
A
Planned Unit Development.
Purchase
Price:
With
respect to any Mortgage Loan (x) required to be repurchased by the Sponsor
pursuant to Section 2.02 or 2.03 hereof or (y) that EMC has a right to
purchase
pursuant to Section 3.05 hereof, an amount equal to the sum of (i) 100%
of the
outstanding principal balance of the Mortgage Loan as of the date of such
purchase (or if the related Mortgaged Property was acquired with respect
thereto, 100% of the outstanding principal balance at the date of the
acquisition), plus (ii) accrued interest thereon at the applicable Mortgage
Rate
through the first day of the month in which the Purchase Price is to be
distributed to Certificateholders, reduced by any portion of the Servicing
Fee,
Servicing Advances and Advances payable to the purchaser of the Mortgage
Loan
plus and (iii) any costs and damages (if any) incurred by the Trust in
connection with any violation of such Mortgage Loan of any anti-predatory
lending laws.
QIB:
A
Qualified Institutional Buyer as defined in Rule 144A promulgated under
the
Securities Act.
Rating
Agency:
Each of
S&P and Xxxxx’x. If any such organization or its successor is no longer in
existence, “Rating Agency” shall be a nationally recognized statistical rating
organization, or other comparable Person, designated by the Depositor,
notice of
which designation shall be given to the Trustee and the Securities
Administrator. References herein to a given rating category of each Rating
Agency shall mean such rating category without giving effect to any
modifiers.
Realized
Loss:
With
respect to each Mortgage Loan as to which a Final Recovery Determination
has
been made, an amount (not less than zero) equal to (i) the unpaid principal
balance of such Mortgage Loan as of the commencement of the calendar month
in
which the Final Recovery Determination was made, plus (ii) accrued interest
from
the Due Date as to which interest was last paid by the Mortgagor through
the end
of the calendar month in which such Final Recovery Determination was made,
calculated in the case of each calendar month during such period (A) at
an
annual rate equal to the annual rate at which interest was then accruing
on such
Mortgage Loan and (B) on a principal amount equal to the Stated Principal
Balance of such Mortgage Loan as of the close of business on the Distribution
Date during such calendar month, minus (iii) the proceeds, if any, received
in
respect of such Mortgage Loan during the calendar month in which such Final
Recovery Determination was made, net of amounts that are payable therefrom
to
the Company pursuant to this Agreement or the related Servicer pursuant
to the
related Servicing Agreement. In addition, to the extent the Company, the
Servicer or the Master Servicer receives Subsequent Recoveries with respect
to
any Mortgage Loan, the amount of the Realized Loss with respect to that
Mortgage
Loan will be reduced to the extent such recoveries are distributed to any
Class
of Certificates or applied to increase the Group I Excess Spread or Group
II
Excess Spread, as applicable, on any Distribution Date.
With
respect to any REO Property as to which a Final Recovery Determination
has been
made, an amount (not less than zero) equal to (i) the unpaid principal
balance
of the related Mortgage Loan as of the date of acquisition of such REO
Property
on behalf of REMIC I or REMIC II, as applicable, plus (ii) accrued interest
from
the Due Date as to which interest was last paid by the Mortgagor in respect
of
the related Mortgage Loan through the end of the calendar month immediately
preceding the calendar month in which such REO Property was acquired, calculated
in the case of each calendar month during such period (A) at an annual
rate
equal to the annual rate at which interest was then accruing on the related
Mortgage Loan and (B) on a principal amount equal to the Stated Principal
Balance of the related Mortgage Loan as of the close of business on the
Distribution Date during such calendar month, plus (iii) REO Imputed Interest
for such REO Property for each calendar month commencing with the calendar
month
in which such REO Property was acquired and ending with the calendar month
in
which such Final Recovery Determination was made, minus (iv) the aggregate
of
all unreimbursed Advances and Servicing Advances.
With
respect to each Mortgage Loan which has become the subject of a Deficient
Valuation, the difference between the principal balance of the Mortgage
Loan
outstanding immediately prior to such Deficient Valuation and the principal
balance of the Mortgage Loan as reduced by the Deficient Valuation.
With
respect to each Mortgage Loan which has become the subject of a Debt Service
Reduction, the portion, if any, of the reduction in each affected Monthly
Payment attributable to a reduction in the Mortgage Rate imposed by a court
of
competent jurisdiction. Each such Realized Loss shall be deemed to have
been
incurred on the Due Date for each affected Monthly Payment.
Record
Date:
With
respect to any Distribution Date and the Certificates (other than the Class
B-4,
Class C and Residual Certificates), so long as such Classes of Certificates
are
Book-Entry Certificates, the Business Day preceding such Distribution Date,
and
otherwise, the close of business on the last Business Day of the month
preceding
the month in which such Distribution Date occurs. With respect to the Class
B-4,
Class C and Residual Certificates, so long as such classes of Certificates
remain non Book-Entry Certificates, the close of business on the last Business
Day of the month preceding the month in which such Distribution Date
occurs.
Reference
Banks:
Shall
mean leading banks selected by the Securities Administrator and engaged
in
transactions in Eurodollar deposits in the international Eurocurrency market
(i)
with an established place of business in London, (ii) which have been designated
as such by the Securities Administrator and (iii) which are not controlling,
controlled by, or under common control with, the Depositor, the Sponsor
or the
Master Servicer.
Reference
Bank Rate:
With
respect to any Accrual Period shall mean the arithmetic mean, rounded upwards,
if necessary, to the nearest whole multiple of 0.03125%, of the offered
rates
for United States dollar deposits for one month that are quoted by the
Reference
Banks as of 11:00 a.m., New York City time, on the related Interest
Determination Date to prime banks in the London interbank market for a
period of
one month in an amount approximately equal to the aggregate Certificate
Principal Balance of the Class A, Class M and Class B Certificates for
such
Accrual Period, provided that at least two such Reference Banks provide
such
rate. If fewer than two offered rates appear, the Reference Bank Rate will
be
the arithmetic mean, rounded upwards, if necessary, to the nearest whole
multiple of 0.03125%, of the rates quoted by one or more major banks in
New York
City, selected by the Securities Administrator, as of 11:00 a.m., New York
City
time, on such date for loans in United States dollars to leading European
banks
for a period of one month in amounts approximately equal to the aggregate
Certificate Principal Balance of the Class A, Class M and Class B Certificates
for such Accrual Period.
Regular
Certificate:
Any of
the Group I Regular Certificates and Group II Regular Certificates.
Regular
Interest:
A
“regular interest” in a REMIC within the meaning of Section 860G(a)(1) of the
Code.
Regulation
AB:
Subpart
229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100-229.1123, as such may be amended from time to time, and subject
to
such clarification and interpretation as have been provided by the Commission
in
the adopting release (Asset-Backed Securities, Securities Act Release No.
33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
Commission, or as may be provided by the Commission or its staff from time
to
time.
Relief
Act:
The
Servicemembers Civil Relief Act, as amended, or similar state law.
Relief
Act Interest Shortfall:
With
respect to any Distribution Date and any Mortgage Loan, any reduction in
the
amount of interest collectible on such Mortgage Loan for the most recently
ended
Due Period as a result of the application of the Relief Act.
REMIC:
A “real
estate mortgage investment conduit” within the meaning of section 860D of the
Code.
REMIC
I:
The
segregated pool of assets described in the Preliminary Statement and Section
6.07(a).
REMIC
I Regular Interest:
Any of
the separate non-certificated beneficial ownership interests in REMIC I
issued
hereunder and designated as a Regular Interest in REMIC I. Each REMIC I
Regular
Interest shall accrue interest at the related Uncertificated REMIC I
Pass-Through Rate in effect from time to time, and shall be entitled to
distributions of principal, subject to the terms and conditions hereof,
in an
aggregate amount equal to its initial Uncertificated Principal Balance
as set
forth in the Preliminary Statement hereto. The designations for the respective
REMIC I Regular Interests are set forth in the Preliminary Statement hereto.
The
REMIC I Regular Interests consist of REMIC I Regular Interests I-1-A through
REMIC I Regular Interest I-45-B, each as designated in the Preliminary
Statement
hereto.
REMIC
II:
The
segregated pool of assets described in the Preliminary Statement and Section
6.07(a).
REMIC
II Regular Interest:
Any of
the separate non-certificated beneficial ownership interests in REMIC II
issued
hereunder and designated as a Regular Interest in REMIC II. Each REMIC
II
Regular Interest shall accrue interest at the related Uncertificated REMIC
II
Pass-Through Rate in effect from time to time, and shall be entitled to
distributions of principal, subject to the terms and conditions hereof,
in an
aggregate amount equal to its initial Uncertificated Principal Balance
as set
forth in the Preliminary Statement hereto. The designations for the respective
REMIC II Regular Interests are set forth in the Preliminary Statement hereto.
The REMIC II Regular Interests consist of REMIC II Regular Interest II-1-A
through REMIC II Regular Interest II-45-B, each as designated in the Preliminary
Statement hereto.
REMIC
III:
The
segregated pool of assets described in the Preliminary Statement and Section
6.07(a).
REMIC
III Group I Regular Interest:
Any of
the REMIC III Regular Interests I-AA, I-ZZ, I-A, I-M-1, I-M-2, I-M-3, I-M-4,
I-M-5, X-X-0, X-X-0,
X-X-0,
X-X-0, X-X-0
and
I-IO.
REMIC
III Group II Regular Interest:
Any of
the REMIC III Regular Interests XX-XX, XX-XX, XX-X-0, XX-X-0, XX-X-0, II-M-1,
II-M-2, II-M-3, II-M-4, II-M-5, XX-X-0, XX-X-0, XX-X-0, XX-X-0, XX-X-0
and
II-IO.
REMIC
III Regular Interest:
Any of
the separate non-certificated beneficial ownership interests in REMIC III
issued
hereunder and designated as a Regular Interest in REMIC III. Each REMIC
III
Regular Interest shall accrue interest at the related Uncertificated REMIC
III
Pass-Through Rate in effect from time to time, and (except for the REMIC
III
Regular Interests I-IO and II-IO) shall be entitled to distributions of
principal, subject to the terms and conditions hereof, in an aggregate
amount
equal to its initial Uncertificated Principal Balance as set forth in the
Preliminary Statement hereto. The designations for the respective REMIC
III
Regular Interests are set forth in the Preliminary Statement hereto. The
REMIC
III Regular Interests consist of the REMIC III Group I Regular Interests
and
REMIC III Group II Regular Interests.
REMIC
III Group I Interest Loss Allocation Amount:
With
respect to any Distribution Date, an amount (subject to adjustment based
on the
actual number of days elapsed in the respective Accrual Period) equal to
(a) the
product of (i) the aggregate Stated Principal Balance of the Group I Mortgage
Loans and the related REO Properties then outstanding and (ii) the
Uncertificated REMIC III Pass-Through Rate for REMIC III Regular Interest
I-AA
minus the Group I Marker Rate, divided by (b) 12.
REMIC
III Group I Overcollateralization Amount:
With
respect to any date of determination, (i) 1.00% of the aggregate Uncertificated
Principal Balance of the REMIC III Group I Regular Interests (other than
REMIC
III Regular Interest I-IO) minus (ii) the aggregate Uncertificated Principal
Balance of each REMIC III Group I Regular Interest for which a Class I-A,
Class
I-M or Class I-B Certificate is a Corresponding Certificate, in each case
as of
such date of determination.
REMIC
III Group I Principal Loss Allocation Amount:
With
respect to any Distribution Date, an amount equal to the product of (i)
the
aggregate Stated Principal Balance of the Group I Mortgage Loans and the
related
REO Properties then outstanding and (ii) 1 minus a fraction, the numerator
of
which is two (2) times the aggregate Uncertificated Principal Balance of
each
REMIC III Group I Regular Interest for which a Class I-A, Class I-M or
Class I-B
Certificate is a Corresponding Certificate and the denominator of which
is the
aggregate Uncertificated Principal Balance of each REMIC III Group I Regular
Interest for which a Class I-A, Class I-M or Class I-B Certificate is a
Corresponding Certificate and REMIC III Regular Interest I-ZZ.
REMIC
III Group I Required Overcollateralization Amount:
1.00%
of the Group I Overcollateralization Target Amount.
REMIC
III Group II Interest Loss Allocation Amount:
With
respect to any Distribution Date, an amount (subject to adjustment based
on the
actual number of days elapsed in the respective Accrual Period) equal to
(a) the
product of (i) the aggregate Stated Principal Balance of the Group II Mortgage
Loans and the related REO Properties then outstanding and (ii) the
Uncertificated REMIC III Pass-Through Rate for REMIC III Regular Interest
II-AA
minus the Group II Marker Rate, divided by (b) 12.
REMIC
III Group II Overcollateralization Amount:
With
respect to any date of determination, (i) 1.00% of the aggregate Uncertificated
Principal Balance of the REMIC III Group II Regular Interests (other than
REMIC
III Regular Interest II-IO) minus (ii) the aggregate Uncertificated Principal
Balance of each REMIC III Group II Regular Interest for which a Class II-A,
Class II-M or Class II-B Certificate is a Corresponding Certificate, in
each
case as of such date of determination.
REMIC
III Group II Principal Loss Allocation Amount:
With
respect to any Distribution Date, an amount equal to the product of (i)
the
aggregate Stated Principal Balance of the Group II Mortgage Loans and the
related REO Properties then outstanding and (ii) 1 minus a fraction, the
numerator of which is two (2) times the aggregate Uncertificated Principal
Balance of each REMIC III Group II Regular Interest for which a Class II-A,
Class II-M or Class II-B Certificate is a Corresponding Certificate and
the
denominator of which is the aggregate Uncertificated Principal Balance
of each
REMIC III Group II Regular Interest for which a Class II-A, Class II-M
or Class
II-B Certificate is a Corresponding Certificate and REMIC III Regular Interest
II-ZZ.
REMIC
III Group II Required Overcollateralization Amount:
1.00%
of the Group II Overcollateralization Target Amount.
REMIC
IV:
The
segregated pool of assets described in the Preliminary Statement and Section
6.07(a).
REMIC
IV Regular Interest:
The
Class I-C Interest, Class II-C Interest, Class I-IO Interest, Class II-IO
Interest or any Regular Interest in REMIC IV the ownership of which is
represented by any of the Class A, Class M and Class B
Certificates.
REMIC
V:
The
segregated pool of assets consisting of the Class I-C Interest conveyed
in trust
to the Trustee, for the benefit of the Holders of the Class I-C Certificates
and
the Class I-RX Certificate (in respect of the Class I-R-5 Interest), with
respect to which a separate REMIC election is to be made.
REMIC
VI:
The
segregated pool of assets consisting of the Class I-IO Interest conveyed
in
trust to the Trustee, for the benefit of the holders of REMIC VI Regular
Interest IO and the Class I-RX Certificate (in respect of the Class I-R-6
Interest), with respect to which a separate REMIC election is to be
made.
REMIC
VII:
The
segregated pool of assets consisting of the Class II-C Interest conveyed
in
trust to the Trustee, for the benefit of the Holders of the Class II-C
Certificates and the Class II-RX Certificate (in respect of the Class I-R-7
Interest), with respect to which a separate REMIC election is to be
made.
REMIC
VIII:
The
segregated pool of assets consisting of the Class II-IO Interest conveyed
in
trust to the Trustee, for the benefit of the holders of REMIC VIII Regular
Interest IO and the Class II-RX Certificate (in respect of the Class II-R-8
Interest), with respect to which a separate REMIC election is to be
made.
REMIC
Opinion:
Shall
mean an Opinion of Counsel to the effect that the proposed action will
not cause
any of REMIC I, REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC
VII or
REMIC VIII to fail to qualify as a REMIC at any time that any Certificates
are
outstanding.
REMIC
Provisions:
Provisions of the federal income tax law relating to real estate mortgage
investment conduits, which appear at Sections 860A through 860G of the
Code, and
related provisions, and proposed, temporary and final regulations and published
rulings, notices and announcements promulgated thereunder, as the foregoing
may
be in effect from time to time as well as provisions of applicable state
laws.
REMIC
Regular Interests:
The
REMIC I Regular Interests, REMIC II Regular Interests and REMIC III Regular
Interests.
Remittance
Date:
Shall
mean (i) with respect to the Company, the Distribution Account Deposit
Date and
(ii) with respect to each Servicer, each Business Day as specified in the
related Servicing Agreement.
Remittance
Report:
Shall
mean a report to the Securities Administrator in an electronic format (or
by
such other means as the Master Servicer and the Securities Administrator
may
agree from time to time) containing such data and information, as agreed
to by
the Master Servicer and the Securities Administrator such as to permit
the
Securities Administrator to prepare the Monthly Statement to
Certificateholders.
REO
Imputed Interest:
As to
any REO Property, for any calendar month during which such REO Property
was at
any time part of REMIC I, one month’s interest at the applicable Net Mortgage
Rate on the Stated Principal Balance of such REO Property (or, in the case
of
the first such calendar month, of the related Mortgage Loan, if appropriate)
as
of the close of business on the Distribution Date in such calendar
month.
REO
Property:
A
Mortgaged Property acquired by the Company or the related Servicer on behalf
of
the Trust Fund through foreclosure or deed-in-lieu of foreclosure in connection
with a defaulted Mortgage Loan.
Replacement
Mortgage Loan:
A
Mortgage Loan or Mortgage Loans in the aggregate substituted by EMC for
a
Deleted Mortgage Loan, which must, on the date of such substitution, as
confirmed in a Request for Release, (i) have a Stated Principal Balance,
after
deduction of the principal portion of the Scheduled Payment due in the
month of
substitution, not in excess of, and not less than 90% of, the Stated Principal
Balance of the Deleted Mortgage Loan; (ii) have a fixed Mortgage Rate not
less
than or more than 1% per annum higher than the Mortgage Rate of the Deleted
Mortgage Loan; (iii) have the same or higher credit quality characteristics
than
that of the Deleted Mortgage Loan; (iv) have a Combined Loan-to-Value Ratio
no
higher than that of the Deleted Mortgage Loan; (v) have a remaining term
to
maturity no greater than (and not more than one year less than) that of
the
Deleted Mortgage Loan; (vi) not permit conversion of the Mortgage Rate
from a
fixed rate to a variable rate; (vii) have the same lien priority as the
Deleted
Mortgage Loan; (viii) constitute the same occupancy type as the Deleted
Mortgage
Loan or be owner occupied; (ix) comply with each representation and warranty
set
forth in Section 7 of the Mortgage Loan Purchase Agreement; (x) the related
Custodian has delivered a Final Certification noting no defects or
exceptions.
Reportable
Event:
The
meaning set forth in Section 3.19(a)(ii).
Repurchase
Price:
With
respect to each Mortgage Loan, a price equal to (i) the outstanding principal
balance of such Mortgage Loan, plus (ii) interest on such outstanding principal
balance at the Mortgage Rate (net of the Servicing Fee Rate) from the last
date
through which interest has been paid to the end of the month of repurchase,
less
(iii) amounts advanced by the Company, the Servicer or the Master Servicer
in
respect of such repurchased Mortgage Loan which are being held in the Master
Servicer Collection Account for remittance to the Securities Administrator
plus
(iv) any costs and damages (if any) incurred by the Trust in connection
with any
violation of such Mortgage Loan of any anti-predatory lending laws.
Request
for Release:
The
Request for Release to be submitted by the Sponsor, the Company, the Servicer
or
the Master Servicer to the respective Custodian substantially in the form
of
Exhibit G hereto or other form attached as an exhibit to the related Custodial
Agreement. Each Request for Release furnished to the respective Custodian
by the
Sponsor, the Company, the Servicer or the Master Servicer shall be in duplicate
and shall be executed by an officer of such Person or a Servicing Officer
(or,
if furnished electronically to the respective Custodian, shall be deemed
to have
been sent and executed by an officer of such Person or a Servicing Officer)
of
the Sponsor, the Company, the Servicer or the Master Servicer, as
applicable.
Required
Insurance Policy:
With
respect to any Mortgage Loan, any insurance policy that is required to
be
maintained from time to time under this Agreement or the Servicing
Agreements.
Reserve
Funds:
The
Group I Reserve Fund and the Group II Reserve Fund, as applicable, each
of which
will be a separate trust account created and maintained by the Securities
Administrator pursuant to Sections 4.14 and 4.15 hereof.
Residual
Certificates:
Any of
the Group I Residual Certificates and Group II Residual
Certificates.
Residual
Interest:
The
sole class of Residual Interests in a REMIC within the meaning of Section
860G(a)(2) of the Code.
Responsible
Officer:
With
respect to the Trustee and the Securities Administrator, any Vice President,
any
Assistant Vice President, the Secretary, any Assistant Secretary, or any
Trust
Officer in its respective Corporate Trust Office with specific responsibility
for the transactions contemplated hereby, any other officer customarily
performing functions similar to those performed by any of the above designated
officers or other officers of the Trustee or the Securities Administrator
as
specified by the Trustee or the Securities Administrator, respectively,
as to
whom, with respect to a particular matter, such matter is referred because
of
such officer’s knowledge of and familiarity with the particular
subject.
S&P:
Standard & Poor’s, a division of The XxXxxx-Xxxx Companies, Inc., and any
successor thereto.
Xxxxxxxx-Xxxxx
Act:
The
Xxxxxxxx-Xxxxx Act of 2002 and the rules and regulations of the Commission
promulgated thereunder (including any interpretations thereof by the
Commission’s staff).
Xxxxxxxx-Xxxxx
Certification:
The
meaning set forth in Section 3.19(a)(iii).
Scheduled
Payment:
The
scheduled monthly payment on a Mortgage Loan due on any Due Date allocable
to
principal and/or interest on such Mortgage Loan.
Securities
Act:
The
Securities Act of 1933, as amended.
Securities
Administrator:
LaSalle
Bank National Association, in its capacity as securities administrator
hereunder, and its successors and assigns.
Securities
Act:
The
Securities Act of 1933, as amended, and the rules and regulations
thereunder.
Seller:
EMC in
its capacity as seller of the Mortgage Laons to the Depositor.
Senior
Certificates:
The
Class I-A Certificates and Class II-A Certificates.
Servicer:
Any of
EMC, First Horizon and GMAC.
Servic(es)(ing):
In
accordance with Regulation AB, the act of servicing and administering the
Mortgage Loans or any other assets of the Trust by an entity that meets
the
definition of “servicer’ set forth in Item 1101 of Regulation AB and is subject
to the disclosure requirements set forth in 1108 of Regulation AB. For
clarification purposes, any uncapitalized occurrence of this term shall
have the
meaning commonly understood by participants in the residential mortgage-backed
securitization market.
Servicing
Advances:
All
customary, reasonable and necessary “out of pocket” costs and expenses
(including reasonable legal fees) incurred in the performance by the Servicers
or the Company of their servicing obligations hereunder or under the related
Servicing Agreement, including, but not limited to, the cost of (i) the
preservation, restoration and protection of a Mortgaged Property, (ii)
any
enforcement or judicial proceedings, including foreclosures, and including
any
expenses incurred in relation to any such proceedings that result from
the
Mortgage Loan being registered in the MERS® System, (iii) the management and
liquidation of any REO Property (including, without limitation, realtor’s
commissions) and (iv) compliance with any obligations under Section 3.07
hereof
to cause insurance to be maintained.
Servicing
Agreement:
Any of
the First Horizon Servicing Agreement or the GMAC Servicing
Agreement.
Servicing
Criteria:
The
criteria set forth in paragraph (d) of Item 1122 of Regulation AB, as such
may
be amended from time to time.
Servicing
Fee:
As to
each EMC Mortgage Loan and any Distribution Date, an amount equal to
1/12th
of the
Servicing Fee Rate multiplied by the Stated Principal Balance of such EMC
Mortgage Loan payable solely from interest collections as of the Due Date
in the
month preceding the month in which such Distribution Date occurs. As to
each
Mortgage Loan serviced by the Servicer and any Distribution Date, an amount
equal to 1/12th
of the
Servicing Fee multiplied by the unpaid principal balance of each such mortgage
loan payable solely from interest collections, as of the Due Date in the
month
preceding the month in which such Distribution Date occurs.
Servicing
Fee Rate:
0.5000%
per annum.
Servicing
Officer:
Any
officer of the Company or the related Servicer involved in, or responsible
for,
the administration and servicing of the Mortgage Loans (i) in the case
of the
Company, whose name and facsimile signature appear on a list of servicing
officers furnished to the Master Servicer by the Company on the Closing
Date
pursuant to this Agreement, as such list may from time to time be amended
and
(ii) in the case of the Servicer, as to which evidence reasonably acceptable
to
the Master Servicer, as applicable, of due authorization, by such party
has been
furnished from time to time to the Master Servicer.
Sponsor:
EMC.
Startup
Day:
The
Startup Day for each REMIC formed hereunder shall be the Closing
Date.
Stated
Principal Balance:
With
respect to any Mortgage Loan or related REO Property and any Distribution
Date,
the Cut-off Date Principal Balance thereof minus the sum of (i) the principal
portion of the Scheduled Payments due with respect to such Mortgage Loan
during
each Due Period ending prior to such Distribution Date (and irrespective
of any
delinquency in their payment), (ii) all Principal Prepayments with respect
to
such Mortgage Loan received prior to or during the related Prepayment Period,
and all Liquidation Proceeds to the extent applied by the Company or the
related
Servicer as recoveries of principal in accordance with Section 3.12 or
the
related Servicing Agreement with respect to such Mortgage Loan, that were
received by the Company or the related Servicer as of the close of business
on
the last day of the Prepayment Period related to such Distribution Date
and
(iii) any Realized Losses on such Mortgage Loan incurred during the related
Prepayment Period. The Stated Principal Balance of a Liquidated Loan equals
zero.
Stepdown
Date:
The
Group I Stepdown Date or Group II Stepdown Date, as applicable.
Subordinated
Certificates:
The
Class M, Class B, Class C and Residual Certificates.
Sub-Trust:
The
Group I Sub-Trust and the Group II Sub-Trust, as applicable.
Subsequent
Recoveries:
As of
any Distribution Date, amounts received by the Master Servicer (net of
any
related expenses permitted to be reimbursed pursuant to Section 5.02) or
surplus
amounts held by the Master Servicer, Company and the related Servicer to
cover
estimated expenses (including, but not limited to, recoveries in respect
of the
representations and warranties made by EMC pursuant to the Mortgage Loan
Purchase Agreement) specifically related to a Mortgage Loan that was the
subject
of a liquidation or final disposition of any REO Property prior to the
related
Prepayment Period that resulted in a Realized Loss.
Subservicing
Agreement:
Any
agreement entered into between the Company and a subservicer with respect
to the
subservicing of any Mortgage Loan hereunder by such subservicer.
Substitution
Adjustment Amount:
The
meaning ascribed to such term pursuant to Section 2.03(d).
Successor
Master Servicer:
The
meaning ascribed to such term pursuant to Section 8.06.
Supplemental
Interest Trust:
Any of
the Group I Supplemental Interest Trust or Group II Supplemental Interest
Trust.
Supplemental
Interest Trust Trustee:
Any of
the Group I Supplemental Interest Trust Trustee or the Group II Supplemental
Interest Trust Trustee.
Swap
Account:
Any of
the Group I Swap Account or the Group II Swap Account.
Swap
Administrator:
LaSalle
acting as swap administrator under the Swap Administration
Agreement.
Swap
Administration Agreement:
The
Swap Administration Agreement, dated April 28, 2006, pursuant to which
the Swap
Administrator will make payments to the related Swap Provider and the Trust
Fund, and certain other payments, as such agreement may be amended or
supplemented from time to time.
Swap
Agreement:
Any of
the Group I Interest Rate Swap Agreement or Group II Interest Rate Swap
Agreement.
Swap
LIBOR:
For any
Distribution Date, a per annum rate equal to the Floating Rate Option (as
defined in the related Swap Agreement) for the related Calculation Period
(as
defined in the related Swap Agreement).
Swap
Provider:
Any of
the Group I Swap Provider or Group II Swap Provider.
Swap
Provider Trigger Event:
Any of
the Group I Swap Provider Trigger Event or Group II Swap Provider Trigger
Event.
Swap
Termination Payment:
Any of
the Group I Swap Termination Payment or Group II Swap Termination Payment
.
Tax
Matters Person:
The
person designated as “tax matters person” in the manner provided under Treasury
Regulation Sections 1.860F-4(d) and 301.6231(a)(7)-1T. The holder of the
greatest Percentage Interest in a Class of Residual Certificates shall
be the
Tax Matters Person for the related REMIC. The Securities Administrator,
or any
successor thereto or assignee thereof, shall serve as tax administrator
hereunder and as agent for the related Tax Matters Person.
Transfer:
Any
direct or indirect transfer or sale of any Ownership Interest in a
Certificate.
Transfer
Affidavit:
As
defined in Section 7.02(c)(ii).
Trigger
Event:
The
Group I Trigger Event or Group II Trigger Event, as applicable.
Trust:
As
defined in Section 2.07.
Trust
Fund:
The
corpus of the trust created hereunder consisting of (i) the Mortgage Loans
and
all interest accruing and principal due with respect thereto after the
Cut-off
Date to the extent not applied in computing the Cut-off Date Principal
Balance
thereof; (ii) the Distribution Account, the Reserve Funds, the Master Servicer
Collection Account maintained by the Master Servicer and the Protected
Accounts
maintained by the Company and the related Servicers and all amounts deposited
therein pursuant to the applicable provisions of this Agreement and the
Servicing Agreements; (iii) property that secured a Mortgage Loan and has
been
acquired by foreclosure, deed in lieu of foreclosure or otherwise; (iv)
the
mortgagee’s rights under the Insurance Policies with respect to the Mortgage
Loans; (v) the Servicing Agreements and the Assignment Agreements; (vii)
the
rights under the Swap Administration Agreement, (viii) the rights under
the
Mortgage Loan Purchase Agreement; and (ix) all proceeds of the foregoing,
including proceeds of conversion, voluntary or involuntary, of any of the
foregoing into cash or other liquid property. The Reserve Funds shall constitute
assets of the Trust Fund but will not be included in REMIC I, REMIC II,
REMIC
III, REMIC IV or REMIC V.
Trustee:
Citibank, N.A., a national banking association, as trustee for the benefit
of
the Certificateholders under this Agreement, and any successor thereto,
and any
corporation or national banking association resulting from or surviving
any
consolidation or merger to which it or its successors may be a party and
any
successor trustee as may from time to time be serving as successor trustee
hereunder.
Uncertificated
Accrued Interest:
With
respect to each REMIC Regular Interest on each Distribution Date, an amount
equal to one month’s interest at the related Uncertificated Pass-Through Rate on
the related Uncertificated Principal Balance or related Uncertificated
Notional
Amount of such REMIC Regular Interest. In each case, Uncertificated Accrued
Interest will be reduced by any Prepayment Interest Shortfalls and Relief
Act
Interest Shortfalls (allocated to such REMIC Regular Interests as set forth
in
Section 1.02).
Uncertificated
Notional Amount:
With
respect to the Class I-C Interest and any Distribution Date, an amount
equal to
the aggregate Uncertificated Principal Balance of the REMIC III Group I
Regular
Interests (other than REMIC III Regular Interest I-IO) for such Distribution
Date.
With
respect to the Class II-C Interest and any Distribution Date, an amount equal
to
the aggregate Uncertificated Principal Balance of the REMIC III Group II
Regular
Interests (other than REMIC III Regular Interest II-IO) for such Distribution
Date.
With
respect to REMIC III Regular Interest I-IO and each Distribution Date listed
below, the aggregate Uncertificated Principal Balance of the REMIC I Regular
Interests ending with the designation “A” listed below:
|
Distribution
Date
|
REMIC
I Regular Interests
|
|
1
|
I-1-A
through X-00-X
|
|
0
|
X-0-X
xxxxxxx X-00-X
|
|
0
|
X-0-X
through X-00-X
|
|
0
|
X-0-X
xxxxxxx X-00-X
|
|
0
|
X-0-X
through X-00-X
|
|
0
|
X-0-X
xxxxxxx X-00-X
|
|
0
|
X-0-X
through X-00-X
|
|
0
|
X-0-X
xxxxxxx X-00-X
|
|
0
|
X-0-X
through I-45-A
|
|
10
|
I-10-A
through I-45-A
|
|
11
|
I-11-A
through I-45-A
|
|
12
|
I-12-A
through I-45-A
|
|
13
|
I-13-A
through I-45-A
|
|
14
|
I-14-A
through I-45-A
|
|
15
|
I-15-A
through I-45-A
|
|
16
|
I-16-A
through I-45-A
|
|
17
|
I-17-A
through I-45-A
|
|
18
|
I-18-A
through I-45-A
|
|
19
|
I-19-A
through I-45-A
|
|
20
|
I-20-A
through I-45-A
|
|
21
|
I-21-A
through I-45-A
|
|
22
|
I-22-A
through I-45-A
|
|
23
|
I-23-A
through I-45-A
|
|
24
|
I-24-A
through I-45-A
|
|
25
|
I-25-A
through I-45-A
|
|
26
|
I-26-A
through I-45-A
|
|
27
|
I-27-A
through I-45-A
|
|
28
|
I-28-A
through I-45-A
|
|
29
|
I-29-A
through I-45-A
|
|
30
|
I-30-A
through I-45-A
|
|
31
|
I-31-A
through I-45-A
|
|
32
|
I-32-A
through I-45-A
|
|
33
|
I-33-A
through I-45-A
|
|
34
|
I-34-A
through I-45-A
|
|
35
|
I-35-A
through I-45-A
|
|
36
|
I-36-A
through I-45-A
|
|
37
|
I-37-A
through I-45-A
|
|
38
|
I-38-A
through I-45-A
|
|
39
|
I-39-A
through I-45-A
|
|
40
|
I-40-A
through I-45-A
|
|
41
|
I-41-A
through I-45-A
|
|
42
|
I-42-A
through I-45-A
|
|
43
|
I-43-A
through I-45-A
|
|
44
|
I-44-A
through I-45-A
|
|
45
|
I-45-A
|
|
thereafter
|
$0.00
|
With
respect to REMIC III Regular Interest II-IO and each Distribution Date listed
below, the aggregate Uncertificated Principal Balance of the REMIC II Regular
Interests ending with the designation “A” listed below:
|
Distribution
Date
|
REMIC
II Regular Interests
|
|
1
|
II-1-A
through II-45-A
|
|
2
|
II-2-A
through II-45-A
|
|
3
|
II-3-A
through II-45-A
|
|
4
|
II-4-A
through II-45-A
|
|
5
|
II-5-A
through II-45-A
|
|
6
|
II-6-A
through II-45-A
|
|
7
|
II-7-A
through II-45-A
|
|
8
|
II-8-A
through II-45-A
|
|
9
|
II-9-A
through II-45-A
|
|
10
|
II-10-A
through II-45-A
|
|
11
|
II-11-A
through II-45-A
|
|
12
|
II-12-A
through II-45-A
|
|
13
|
II-13-A
through II-45-A
|
|
14
|
II-14-A
through II-45-A
|
|
15
|
II-15-A
through II-45-A
|
|
16
|
II-16-A
through II-45-A
|
|
17
|
II-17-A
through II-45-A
|
|
18
|
II-18-A
through II-45-A
|
|
19
|
II-19-A
through II-45-A
|
|
20
|
II-20-A
through II-45-A
|
|
21
|
II-21-A
through II-45-A
|
|
22
|
II-22-A
through II-45-A
|
|
23
|
II-23-A
through II-45-A
|
|
24
|
II-24-A
through II-45-A
|
|
25
|
II-25-A
through II-45-A
|
|
26
|
II-26-A
through II-45-A
|
|
27
|
II-27-A
through II-45-A
|
|
28
|
II-28-A
through II-45-A
|
|
29
|
II-29-A
through II-45-A
|
|
30
|
II-30-A
through II-45-A
|
|
31
|
II-31-A
through II-45-A
|
|
32
|
II-32-A
through II-45-A
|
|
33
|
II-33-A
through II-45-A
|
|
34
|
II-34-A
through II-45-A
|
|
35
|
II-35-A
through II-45-A
|
|
36
|
II-36-A
through II-45-A
|
|
37
|
II-37-A
through II-45-A
|
|
38
|
II-38-A
through II-45-A
|
|
39
|
II-39-A
through II-45-A
|
|
40
|
II-40-A
through II-45-A
|
|
41
|
II-41-A
through II-45-A
|
|
42
|
II-42-A
through II-45-A
|
|
43
|
II-43-A
through II-45-A
|
|
44
|
II-44-A
through II-45-A
|
|
45
|
II-45-A
|
|
thereafter
|
$0.00
|
With
respect to the Class I-IO Interest and any Distribution Date, an amount equal
to
the Uncertificated Notional Amount of the REMIC III Regular Interest I-IO.
With
respect to REMIC VI Regular Interest IO, an amount equal to the Uncertificated
Notional Amount of the Class I-IO Interest.
With
respect to the Class II-IO Interest and any Distribution Date, an amount
equal
to the Uncertificated Notional Amount of the REMIC III Regular Interest II-IO.
With respect to REMIC VIII Regular Interest IO, an amount equal to the
Uncertificated Notional Amount of the Class II-IO Interest.
Uncertificated
Pass-Through Rate:
The
Uncertificated REMIC I Pass-Through Rate, Uncertificated REMIC II Pass-Through
Rate or Uncertificated REMIC III Pass-Through Rate.
Uncertificated
Principal Balance:
With
respect to each REMIC Regular Interest, Class I-C Interest and Class II-C
Interest, the principal amount of such REMIC Regular Interest, Class I-C
Interest or Class II-C Interest outstanding as of any date of determination.
As
of the Closing Date, the Uncertificated Principal Balance of each REMIC Regular
Interest, Class I-C Interest and Class II-C Interest shall equal the amount
set
forth in the Preliminary Statement hereto as its initial Uncertificated
Principal Balance, and on any date of determination thereafter, the
Uncertificated Principal Balance of the Class I-C Interest shall be an amount
equal to the excess, if any, of (A) the then aggregate Uncertificated Principal
Balance of the REMIC III Group I Regular Interests over (B) the aggregate
Certificate Principal Balance of the Class I-A, Class I-M and Class I-B
Certificates then outstanding, and the Uncertificated Principal Balance of
the
Class II-C Interest shall be an amount equal to the excess, if any, of (A)
the
then aggregate Uncertificated Principal Balance of the REMIC III Group II
Regular Interests over (B) the aggregate Certificate Principal Balance of
the
Class II-A, Class II-M and Class II-B Certificates then outstanding. On each
Distribution Date, the Uncertificated Principal Balance of each REMIC Regular
Interest, Class I-C Interest and Class II-C Interest shall be reduced by
all
distributions of principal made on such Regular Interests on such Distribution
Date pursuant to Section 6.07 and, if and to the extent necessary and
appropriate, shall be further reduced on such Distribution Date by Realized
Losses as provided in Section 6.05, and the Uncertificated Principal Balance
of
REMIC I Regular Interest ZZ and REMIC II Regular Interest ZZ shall be increased
by interest deferrals as provided in Section 6.07(c)(1)(ii) and Section
6.07(c)(3)(ii), respectively. The Uncertificated Principal Balance of each
REMIC
Regular Interest, Class I-C Interest and Class II-C Interest shall never
be less
than zero.
Uncertificated
REMIC I Pass-Through Rate:
With
respect to each REMIC I Regular Interest ending with the designation “A” and any
Distribution Date, a per annum rate equal to the weighted average Net Mortgage
Rate of the Group I Mortgage Loans multiplied by 2, subject to a maximum
rate of
10.5850%. With respect to each REMIC I Regular Interest ending with the
designation “B” and any Distribution Date, the greater of (x) a per annum rate
equal to the excess, if any, of (1) 2 multiplied by the weighted average
Net
Mortgage Rate of the Group I Mortgage Loans over (2) 10.5850% and (y) 0.00%
per
annum.
Uncertificated
REMIC II Pass-Through Rate:
With
respect to each REMIC II
Regular
Interest ending with the designation “A” and any Distribution Date, a per annum
rate equal to the weighted average Net Mortgage Rate of the Group II Mortgage
Loans multiplied by 2, subject to a maximum rate of 10.5850%. With respect
to
each REMIC II Regular Interest ending with the designation “B” and any
Distribution Date, the greater of (x) a per annum rate equal to the excess,
if
any, of (1) 2 multiplied by the weighted average Net Mortgage Rate of the
Group
II Mortgage Loans over (2) 10.5850% and (y) 0.00% per annum.
Uncertificated
REMIC III Pass-Through Rate:
With
respect to REMIC III Regular Interest I-AA, each REMIC III Group I Regular
Interest for which a Class I-A, Class I-M or Class I-B Certificate is the
Corresponding Certificate and REMIC III Regular Interest I-ZZ, and any
Distribution Date, a per annum rate equal to the weighted average of (x)
the
weighted average of the Uncertificated REMIC I Pass-Through Rates for the
REMIC
I Regular Interests ending with the designation “B” for such Distribution Date,
weighted on the basis of the Uncertificated Principal Balances of each such
REMIC I Regular Interest for such Distribution Date and (y) the weighted
average
of the rates listed below for the REMIC I Regular Interests ending with the
designation “A” for such Distribution Date, weighted on the basis of the
Uncertificated Principal Balances of each such REMIC I Regular Interest for
such
Distribution Date:
|
Distribution
Date
|
REMIC
I Regular Interest
|
Rate
|
|
1
|
I-1-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
2
|
I-2-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
3
|
I-3-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-2-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
4
|
I-4-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-3-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
5
|
I-5-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-4-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
6
|
I-6-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-5-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
7
|
I-7-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-6-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
8
|
I-8-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-7-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
9
|
I-9-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-8-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
10
|
I-10-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-9-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
11
|
I-11-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-10-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
12
|
I-12-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-11-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
13
|
I-13-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-12-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
14
|
I-14-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-13-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
15
|
I-15-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-14-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
16
|
I-16-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-15-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
17
|
I-17-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-16-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
18
|
I-18-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-17-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
19
|
I-19-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-18-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
20
|
I-20-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-19-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
21
|
I-21-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-20-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
22
|
I-22-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-21-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
23
|
I-23-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-22-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
24
|
I-24-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-23-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
25
|
I-25-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-24-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
26
|
I-26-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-25-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
27
|
I-27-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-26-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
28
|
I-28-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-27-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
29
|
I-29-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-28-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
30
|
I-30-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-29-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
31
|
I-31-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-30-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
32
|
I-32-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-31-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
33
|
I-33-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-32-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
34
|
I-34-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-33-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
35
|
I-35-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-34-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
36
|
I-36-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-35-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
37
|
I-37-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-36-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
38
|
I-38-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-37-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
39
|
I-39-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-38-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
40
|
I-40-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-39-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
41
|
I-41-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-40-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
42
|
I-42-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-41-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
43
|
I-43-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-42-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
44
|
I-44-A
through I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-43-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
45
|
I-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC I Pass-Through Rate
|
|
I-1-A
through I-44-A
|
Uncertificated
REMIC I Pass-Through Rate
|
|
|
thereafter
|
I-1-A
through I-45-A
|
Uncertificated
REMIC I Pass-Through Rate
|
With
respect to REMIC III Regular Interest I-IO and any Distribution Date, a per
annum rate equal to the excess of (x) the weighted average of the Uncertificated
REMIC I Pass-Through Rates for the REMIC I Regular Interests ending with
the
designation “A”, over (y) 2 multiplied by Swap LIBOR.
With
respect to REMIC III Regular Interest II-AA, each REMIC III Group II Regular
Interest for which a Class II-A, Class II-M or Class II-B Certificate is
the
Corresponding Certificate and REMIC III Regular Interest II-ZZ, and any
Distribution Date, a per annum rate equal to the weighted average of (x)
the
weighted average of the Uncertificated REMIC II Pass-Through Rates for the
REMIC
II Regular Interests ending with the designation “B” for such Distribution Date,
weighted on the basis of the Uncertificated Principal Balances of each such
REMIC II Regular Interest for such Distribution Date and (y) the weighted
average of the rates listed below for the REMIC II Regular Interests ending
with
the designation “A” for such Distribution Date, weighted on the basis of the
Uncertificated Principal Balances of each such REMIC II Regular Interest
for
such Distribution Date:
|
Distribution
Date
|
REMIC
II Regular Interest
|
Rate
|
|
1
|
II-1-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
2
|
II-2-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
3
|
II-3-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-2-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
4
|
II-4-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-3-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
5
|
II-5-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-4-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
6
|
II-6-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-5-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
7
|
II-7-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-6-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
8
|
II-8-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-7-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
9
|
II-9-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-8-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
10
|
II-10-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-9-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
11
|
II-11-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-10-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
12
|
II-12-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-11-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
13
|
II-13-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-12-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
14
|
II-14-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-13-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
15
|
II-15-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-14-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
16
|
II-16-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-15-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
17
|
II-17-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-16-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
18
|
II-18-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-17-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
19
|
II-19-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-18-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
20
|
II-20-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-19-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
21
|
II-21-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-20-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
22
|
II-22-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-21-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
23
|
II-23-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-22-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
24
|
II-24-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-23-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
25
|
II-25-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-24-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
26
|
II-26-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-25-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
27
|
II-27-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-26-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
28
|
II-28-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-27-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
29
|
II-29-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-28-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
30
|
II-30-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-29-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
31
|
II-31-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-30-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
32
|
II-32-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-31-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
33
|
II-33-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-32-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
34
|
II-34-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-33-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
35
|
II-35-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-34-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
36
|
II-36-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-35-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
37
|
II-37-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-36-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
38
|
II-38-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-37-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
39
|
II-39-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-38-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
40
|
II-40-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-39-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
41
|
II-41-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-40-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
42
|
II-42-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-41-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
43
|
II-43-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-42-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
44
|
II-44-A
through II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-43-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
45
|
II-45-A
|
2
multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated
REMIC II Pass-Through Rate
|
|
II-1-A
through II-44-A
|
Uncertificated
REMIC II Pass-Through Rate
|
|
|
thereafter
|
II-1-A
through II-45-A
|
Uncertificated
REMIC II Pass-Through Rate
|
With
respect to REMIC III Regular Interest II-IO and any Distribution Date, a
per
annum rate equal to the excess of (x) the weighted average of the Uncertificated
REMIC II Pass-Through Rates for the REMIC II Regular Interests ending with
the
designation “A”, over (y) 2 multiplied by Swap LIBOR.
Unpaid
Realized Loss Amount:
With
respect to the Class A Certificates and as to any Distribution Date is the
excess of Applied Realized Loss Amounts with respect to such Class over the
sum
of all distributions in reduction of the Applied Realized Loss Amounts on
all
previous Distribution Dates. Any amounts distributed to the Class A Certificates
in respect of any Unpaid Realized Loss Amount shall not be applied to reduce
the
Certificate Principal Balance of such Class.
Voting
Rights:
The
portion of the voting rights of all the Certificates that is allocated to
any
Certificate for purposes of the voting provisions hereunder. Voting Rights
shall
be allocated, with respect to matters solely involving the Group I Certificates,
(i) 93% to the Class I-A, Class I-M and Class I-B Certificates, (ii) 3% to
the
Class I-C Certificates until paid in full, and (iii) 1% to each Class I-R
Certificate and, with respect to matters solely involving the Group II
Certificates, (i) 95% to the Class II-A, Class II-M and Class II-B Certificates,
(ii) 3% to the Class II-C Certificates until paid in full, and (iii) 1% to
each
Class II-R Certificate. Voting Rights shall be allocated, with respect to
matters involving both Group I Certificates and Group II Certificates, (i)
46.5%
to
the
Class I-A, Class I-M and Class I-B Certificates and
47.5%
to the Class II-A, Class II-M and Class II-B Certificates, (ii) 1.50% to
the
Class I-C Certificates and 1.50% to the Class II-C Certificates, in each
case
until paid in full and (iii) 0.50% to each Class I-R Certificate and 0.50%
to
each Class II-R Certificate. The allocation among the Certificates (other
than
the Class C Certificates and Residual Certificates) will be in proportion
to the
Certificate Principal Balance of each such Class relative to the Certificate
Principal Balance of all other such Classes. Voting Rights will be allocated
among the Certificates of each such Class in accordance with their respective
Percentage Interests. Voting rights will be allocated among the Certificates
of
each such Class in accordance with their respective Percentage Interests.
Matters which solely affect the Group I Certificates or Group II Certificates
will be voted on solely by the related Classes.
Xxxxx
Fargo:
Xxxxx
Fargo Bank, National Association, and any successor in interest.
Xxxxx
Fargo Custodial Agreement:
The
Custodial Agreement, dated as of April 28, 2006, among the Depositor, EMC,
as
sponsor, the Master Servicer, the Trustee and Xxxxx Fargo Bank, National
Association as Custodian relating to the Mortgage Loans identified in such
Custodial Agreement.
Section
1.02 Allocation
of
Certain Interest Shortfalls.
For
purposes of calculating the amount of Current Interest for the Class A, Class
M,
Class B, Class C Certificates and Class C Interests for any Distribution
Date,
the aggregate amount of any Prepayment Interest Shortfalls (to the extent
not
covered by payments by the Company or the Master Servicer pursuant to Section
6.02) and any Relief Act Interest Shortfalls incurred in respect of the related
Mortgage Loans for any Distribution Date shall be allocated first, to the
related Class C Interest based on, and to the extent of, one month’s interest at
the then applicable Pass-Through Rate on the Uncertificated Notional Amount
thereof and, thereafter, among the related Class A, Class M and Class B
Certificates, in each case on a pro
rata
basis
based on, and to the extent of, one month’s interest at the then applicable
respective Pass-Through Rates on the respective Certificate Principal Balances
of each such Certificate.
For
purposes of calculating the amount of Uncertificated Accrued Interest for
the
REMIC I Regular Interests for any Distribution Date, the aggregate amount
of any
Prepayment Interest Shortfalls (to the extent not covered by payments by
the
Company or the Master Servicer pursuant to Section 6.02) and any Relief Act
Interest Shortfalls incurred in respect of Loan Group I for any Distribution
Date shall be allocated first, to REMIC I Regular Interests ending with the
designation “B, pro
rata,
based
on, and to the extent of, one month’s interest at the then applicable respective
Uncertificated REMIC I Pass-Through Rates on the respective Uncertificated
Principal Balances of each such REMIC I Regular Interest, and then, to REMIC
I
Regular Interests ending with the designation “A”, pro
rata,
based
on, and to the extent of, one month’s interest at the then applicable respective
Uncertificated REMIC I Pass-Through Rates on the respective Uncertificated
Principal Balances of each such REMIC I Regular Interest.
For
purposes of calculating the amount of Uncertificated Accrued Interest for
the
REMIC II Regular Interests for any Distribution Date, the aggregate amount
of
any Prepayment Interest Shortfalls (to the extent not covered by payments
by the
Company or the Master Servicer pursuant to Section 6.02) and any Relief Act
Interest Shortfalls incurred in respect of Loan Group II for any Distribution
Date shall be allocated first, to REMIC II Regular Interests ending with
the
designation “B, pro
rata,
based
on, and to the extent of, one month’s interest at the then applicable respective
Uncertificated REMIC II Pass-Through Rates on the respective Uncertificated
Principal Balances of each such REMIC II Regular Interest, and then, to REMIC
II
Regular Interests ending with the designation “A”, pro
rata,
based
on, and to the extent of, one month’s interest at the then applicable respective
Uncertificated REMIC II Pass-Through Rates on the respective Uncertificated
Principal Balances of each such REMIC II Regular Interest.
For
purposes of calculating the amount of Uncertificated Accrued Interest for
the
REMIC III Group I Regular Interests for any Distribution Date, the aggregate
amount of any Prepayment Interest Shortfalls (to the extent not covered by
payments by the Company or the Master Servicer pursuant to Section 6.02)
and any
Relief Act Interest Shortfalls incurred in respect of Loan Group I for any
Distribution Date shall be allocated first, to Uncertificated Accrued Interest
payable to REMIC III Regular Interest I-AA and REMIC III Regular Interest
I-ZZ
up to an aggregate amount equal to the REMIC III Group I Interest Loss
Allocation Amount, 98% and 2%, respectively, and thereafter among REMIC III
Regular Interest I-AA, each REMIC III Group I Regular Interest for which
a Class
I-A, Class I-M or Class I-B Certificate is the Corresponding Certificate
and
REMIC III Regular Interest I-ZZ, pro
rata,
based
on, and to the extent of, one month’s interest at the then applicable respective
Uncertificated REMIC III Pass-Through Rates on the respective Uncertificated
Principal Balances of each such REMIC III Group I Regular Interest.
For
purposes of calculating the amount of Uncertificated Accrued Interest for
the
REMIC III Group II Regular Interests for any Distribution Date, the aggregate
amount of any Prepayment Interest Shortfalls (to the extent not covered by
payments by the Company or the Master Servicer pursuant to Section 6.02)
and any
Relief Act Interest Shortfalls incurred in respect of Loan Group II for any
Distribution Date shall be allocated first, to Uncertificated Accrued Interest
payable to REMIC III Regular Interest II-AA and REMIC III Regular Interest
II-ZZ
up to an aggregate amount equal to the REMIC III Group II Interest Loss
Allocation Amount, 98% and 2%, respectively, and thereafter among REMIC III
Regular Interest II-AA, each REMIC III Group II Regular Interest for which
a
Class II-A, Class II-M or Class II-B Certificate is the Corresponding
Certificate and REMIC III Regular Interest II-ZZ, pro
rata,
based
on, and to the extent of, one month’s interest at the then applicable respective
Uncertificated REMIC III Pass-Through Rates on the respective Uncertificated
Principal Balances of each such REMIC III Group II Regular
Interest.
ARTICLE
II
CONVEYANCE
OF TRUST FUND
REPRESENTATIONS
AND WARRANTIES
Section
2.01 Conveyance
of Trust
Fund.
Pursuant
to the Mortgage Loan Purchase Agreement, each Seller sold, transferred,
assigned, set over and otherwise conveyed to the Depositor, without recourse,
all the right, title and interest of such Seller in and to the assets sold
by it
in the Trust Fund.
EMC
has
entered into this Agreement in consideration for the purchase of the Mortgage
Loans by the Depositor pursuant to the Mortgage Loan Purchase Agreement and
has
agreed to take the actions specified herein.
The
Depositor, concurrently with the execution and delivery hereof, hereby sells,
transfers, assigns, sets over and otherwise conveys to the Trustee for the
use
and benefit of the Certificateholders, without recourse, all the right, title
and interest of the Depositor in and to the Trust Fund.
In
connection with such sale, the Depositor has delivered to, and deposited
with,
the Trustee or the related Custodian, as its agent, the following documents
or
instruments with respect to each Mortgage Loan so assigned: (i) the original
Mortgage Note, including any riders thereto, endorsed without recourse in
blank
or to order of “Citibank, N.A., as Trustee for certificateholders of SACO I
Trust 2006-5, Mortgage-Backed Certificates, Series 2006-5,” and showing an
unbroken chain of endorsements from the original payee thereof to the Person
endorsing it to the Trustee, (ii) the original Mortgage and, if the related
Mortgage Loan is a MOM Loan, noting the presence of the MIN and language
indicating that such Mortgage Loan is a MOM Loan, which shall have been recorded
(or if the original is not available, a copy), with evidence of such recording
indicated thereon (or if clause (x) in the proviso below applies, shall be
in
recordable form), (iii) unless the Mortgage Loan is a MOM Loan, the assignment
(either an original or a copy, which may be in the form of a blanket assignment
if permitted in the jurisdiction in which the Mortgaged Property is located)
to
the Trustee of the Mortgage with respect to each Mortgage Loan in the name
of
“Citibank, N.A., as Trustee for certificateholders of Bear Xxxxxxx Asset Backed
Securities I LLC, Mortgage-Backed Certificates, Series 2006-5,” which shall have
been recorded (or if clause (x) in the proviso below applies, shall be in
recordable form), (iv) an original or a copy of all intervening assignments
of
the Mortgage, if any, with evidence of recording thereon, (v) the original
policy of title insurance or mortgagee’s certificate of title insurance or
commitment or binder for title insurance, if available, or a copy thereof,
or,
in the event that such original title insurance policy is unavailable, a
photocopy thereof, or in lieu thereof, a current lien search on the related
Mortgaged Property and (vi) originals or copies of all available assumption,
modification or substitution agreements, if any; provided, however, that
in lieu
of the foregoing, the related Seller may deliver the following documents,
under
the circumstances set forth below: (x) if any Mortgage, assignment thereof
to
the Trustee or intervening assignments thereof have been delivered or are
being
delivered to recording offices for recording and have not been returned in
time
to permit their delivery as specified above, the Depositor may deliver a
true
copy thereof with a certification by such Seller or the title company issuing
the commitment for title insurance, on the face of such copy, substantially
as
follows: “Certified to be a true and correct copy of the original, which has
been transmitted for recording”; and (y) in lieu of the Mortgage Notes relating
to the Mortgage Loans identified in the list set forth in Exhibit I, the
Depositor may deliver a lost note affidavit and indemnity and a copy of the
original note, if available; and provided, further, however, that in the
case of
Mortgage Loans which have been prepaid in full after the Cut-off Date and
prior
to the Closing Date, the Depositor, in lieu of delivering the above documents,
may deliver to the Trustee and the related Custodian a certification of a
Servicing Officer to such effect and in such case shall deposit all amounts
paid
in respect of such Mortgage Loans, in the Master Servicer Collection Account
or
in the Distribution Account on the Closing Date. In the case of the documents
referred to in clause (x) above, the Depositor shall deliver such documents
to
the Trustee or the related Custodian promptly after they are received. EMC
(on
its own behalf as Seller and on behalf of Master Funding) shall cause, at
its
expense, the Mortgage and intervening assignments, if any, and to the extent
required in accordance with the foregoing, the assignment of the Mortgage
to the
Trustee to be submitted for recording promptly after the Closing Date; provided
that EMC need not cause to be recorded (a) any assignment in any jurisdiction
under the laws of which, as evidenced by an Opinion of Counsel addressed
to the
Trustee delivered by EMC (on its own behalf as Seller and on behalf of Master
Funding) to the Trustee, the Custodians and each Rating Agency, the recordation
of such assignment is not necessary to protect the Trustee’s interest in the
related Mortgage Loan or (b) if MERS is identified on the Mortgage or on
a
properly recorded assignment of the Mortgage as the mortgagee of record solely
as nominee for the related Seller and its successors and assigns. In the
event
that either Seller, the Depositor or the Master Servicer or the Securities
Administrator gives written notice to the Trustee that a court has
recharacterized the sale of the Mortgage Loans as a financing, EMC (on its
own
behalf as Seller and on behalf of Master Funding) shall submit or cause to
be
submitted for recording as specified above each such previously unrecorded
assignment to be submitted for recording as specified above at the expense
of
the Trust. In the event a Mortgage File is released to the Company or the
related Servicer as a result of such Person having completed a Request for
Release, the related Custodian shall, if not so completed, complete the
assignment of the related Mortgage in the manner specified in clause (iii)
above.
In
connection with the assignment of any Mortgage Loan registered on the MERS®
System, EMC (on its own behalf as Seller and on behalf of Master Funding)
further agrees that it will cause, at EMC’s own expense, within 30 days after
the Closing Date, the MERS® System to indicate that such Mortgage Loans have
been assigned by EMC (on its own behalf as Seller and on behalf of Master
Funding) to the Depositor and by the Depositor to the Trustee in accordance
with
this Agreement for the benefit of the Certificateholders by including (or
deleting, in the case of Mortgage Loans which are repurchased in accordance
with
this Agreement) in such computer files (a) the code in the field which
identifies the specific Trustee and (b) the code in the field “Pool Field” which
identifies the series of the Certificates issued in connection with such
Mortgage Loans. EMC (on its own behalf as Seller and on behalf of Master
Funding) further agrees that it will not, and will not permit the Company
or the
Master Servicer to, and the Master Servicer agrees that it will not, alter
the
codes referenced in this paragraph with respect to any Mortgage Loan during
the
term of this Agreement unless and until such Mortgage Loan is repurchased
in
accordance with the terms of this Agreement or the Mortgage Loan Purchase
Agreement.
All
original documents relating to the Mortgage Loans that are not delivered
to the
Trustee or the related Custodian on its behalf are and shall be held by or
on
behalf of the Seller or the Depositor, as the case may be, in trust for the
benefit of the Trustee on behalf of the Certificateholders. Any such original
document delivered to or held by the Depositor, shall be delivered promptly
to
the Custodian on the Trustee’s behalf.
Whenever
it is provided for in this Agreement that any document, evidence or information
relating to a Mortgage Loan to be included in a Mortgage File be delivered
or
supplied to the Trustee, such delivery or supply shall be made to the
appropriate Custodian pursuant to the related Custodial Agreement.
Section
2.02 Acceptance
of the
Mortgage Loans.
(a) Based
on
the Initial Certification received by it from the related Custodian, the
Trustee
acknowledges receipt of, subject to the further review and exceptions reported
by the related Custodian pursuant to the procedures described below, the
documents (or certified copies thereof) delivered to the Trustee or the related
Custodian on its behalf pursuant to Section 2.01 and declares that it holds
and
will continue to hold directly or through a custodian those documents and
any
amendments, replacements or supplements thereto and all other assets of the
Trust Fund delivered to it in trust for the use and benefit of all present
and
future Holders of the Certificates. On the Closing Date, the Trustee or the
related Custodian on its behalf will deliver one or more Initial Certifications,
each in the form of Exhibit One to the related Custodial Agreement, confirming
whether or not it has received the Mortgage File for each Mortgage Loan,
but
without review of such Mortgage File, except to the extent necessary to confirm
whether such Mortgage File contains the original Mortgage Note or a lost
note
affidavit and indemnity in lieu thereof. No later than 90 days after the
Closing
Date, Trustee or the related Custodian on its behalf shall, for the benefit
of
the Certificateholders, review each Mortgage File delivered to it and execute
and deliver to EMC (on its own behalf as Seller and on behalf of Master
Funding), and the Master Servicer and, if reviewed by the related Custodian,
to
the Trustee, one or more Interim Certifications, each substantially in the
form
of Exhibit Two to the related Custodial Agreement. In conducting such review,
the Trustee or the related Custodian on its behalf will ascertain whether
all
required documents have been executed and received and whether those documents
relate, determined on the basis of the Mortgagor name, original principal
balance and loan number, to the Mortgage Loans identified in Exhibit B to
this
Agreement, as supplemented (provided, however, that with respect to those
documents described in subclauses (iv) and (vi) of Section 2.01, such
obligations shall extend only to documents actually delivered pursuant to
such
subclauses). In performing any such review, the Trustee and the related
Custodian may conclusively rely on the purported due execution and genuineness
of any such document and on the purported genuineness of any signature thereon.
If the Trustee or the related Custodian on its behalf finds any document
constituting part of the Mortgage File not to have been executed or received,
or
to be unrelated to the Mortgage Loans identified in Exhibit B or to appear
to be
defective on its face, the Trustee or the related Custodian on its behalf
shall
include such information in the exception report attached to the Interim
Certification. EMC (on its own behalf as Seller and on behalf of Master Funding)
shall correct or cure any such defect or, if prior to the end of the second
anniversary of the Closing Date, EMC (on its own behalf as Seller and on
behalf
of Master Funding) may substitute for the related Mortgage Loan a Replacement
Mortgage Loan, which substitution shall be accomplished in the manner and
subject to the conditions set forth in Section 2.03 or shall deliver to the
Trustee an Opinion of Counsel addressed to the Trustee to the effect that
such
defect does not materially or adversely affect the interests of the
Certificateholders in such Mortgage Loan within 60 days from the date of
notice
from the Trustee of the defect and if EMC (on its own behalf as Seller and
on
behalf of Master Funding) fails to correct or cure the defect or deliver
such
opinion within such period, EMC (on its own behalf as Seller and on behalf
of
Master Funding) will, subject to Section 2.03, within 90 days from the
notification of the Trustee purchase such Mortgage Loan at the Purchase Price;
provided, however, that if such defect relates solely to the inability of
EMC
(on its own behalf as Seller and on behalf of Master Funding) to deliver
the
Mortgage, assignment thereof to the Trustee, or intervening assignments thereof
with evidence of recording thereon because such documents have been submitted
for recording and have not been returned by the applicable jurisdiction,
EMC (on
its own behalf as Seller and on behalf of Master Funding) shall not be required
to purchase such Mortgage Loan if EMC delivers such documents promptly upon
receipt, but in no event later than 360 days after the Closing
Date.
(b) No
later
than 180 days after the Closing Date, the Trustee or the related Custodian
on
its behalf will review, for the benefit of the Certificateholders, the Mortgage
Files and will execute and deliver or cause to be executed and delivered
to EMC
(on its own behalf as Seller and on behalf of Master Funding), and the Master
Servicer and, if reviewed by the related Custodian, to the Trustee, one or
more
Final Certifications, each substantially in the form of Exhibit Three to
the
related Custodial Agreement. In conducting such review, the Trustee or the
related Custodian on its behalf will ascertain whether each document required
to
be recorded has been returned from the recording office with evidence of
recording thereon and the Trustee or the related Custodian on its behalf
has
received either an original or a copy thereof, as required in Section 2.01
(provided, however, that with respect to those documents described in subclauses
(iv) and (vi) of Section 2.01, such obligations shall extend only to documents
actually delivered pursuant to such subclauses). If the Trustee or the related
Custodian on its behalf finds any document with respect to a Mortgage Loan
has
not been received, or to be unrelated, determined on the basis of the Mortgagor
name, original principal balance and loan number, to the Mortgage Loans
identified in Exhibit B or to appear defective on its face, the Trustee or
the
related Custodian on its behalf shall note such defect in the exception report
attached to the Final Certification and shall promptly notify EMC (on its
own
behalf as Seller and on behalf of Master Funding). EMC (on its own behalf
as
Seller and on behalf of Master Funding) shall correct or cure any such defect
or, if prior to the end of the second anniversary of the Closing Date, EMC
(on
its own behalf as Seller and on behalf of Master Funding) may substitute
for the
related Mortgage Loan a Replacement Mortgage Loan, which substitution shall
be
accomplished in the manner and subject to the conditions set forth in Section
2.03 or shall deliver to the Trustee and the Securities Administrator an
Opinion
of Counsel addressed to the Trustee and the Securities Administrator to the
effect that such defect does not materially or adversely affect the interests
of
Certificateholders in such Mortgage Loan within 60 days from the date of
notice
from the Trustee of the defect and if EMC (on its own behalf as Seller and
on
behalf of Master Funding) is unable within such period to correct or cure
such
defect, or to substitute the related Mortgage Loan with a Replacement Mortgage
Loan or to deliver such opinion, EMC (on its own behalf as Seller and on
behalf
of Master Funding) shall, subject to Section 2.03, within 90 days from the
notification of the Trustee, purchase such Mortgage Loan at the Purchase
Price;
provided, however, that if such defect relates solely to the inability of
EMC
(on its own behalf as Seller and on behalf of Master Funding) to deliver
the
Mortgage, assignment thereof to the Trustee or intervening assignments thereof
with evidence of recording thereon, because such documents have not been
returned by the applicable jurisdiction, EMC (on its own behalf as Seller
and on
behalf of Master Funding) shall not be required to purchase such Mortgage
Loan,
if EMC delivers such documents promptly upon receipt, but in no event later
than
360 days after the Closing Date. Notwithstanding anything to the contrary,
the
Trustee shall have no responsibility with respect to the custody or review
of
Mortgage Files, all of which shall be performed by the related Custodian
pursuant to the related Custodial Agreement, and the Trustee is hereby
authorized and directed to enter into each such Custodial Agreement. Performance
by the Custodians of their obligations under the respective Custodial Agreement
shall satisfy all responsibilities for custody and review of Mortgage Files
hereunder. The Trustee shall have no liability for the failure of the Custodians
to perform their respective obligations under the related Custodial
Agreement.
(c) In
the
event that a Mortgage Loan is repurchased by EMC (on its own behalf as Seller
and on behalf of Master Funding) in accordance with subsections 2.02(a) or
(b)
above or Section 2.03, EMC (on its own behalf as Seller and on behalf of
Master
Funding) shall remit the applicable Purchase Price to the Master Servicer
for
deposit in the Master Servicer Collection Account and shall provide written
notice to the Securities Administrator and the Trustee detailing the components
of the Purchase Price, signed by a Servicing Officer. Upon deposit of the
Purchase Price in the Master Servicer Collection Account and upon receipt
of a
Request for Release with respect to such Mortgage Loan, the related Custodian
will release to EMC (on its own behalf as Seller and on behalf of Master
Funding) the related Mortgage File and the Trustee shall execute and deliver
all
instruments of transfer or assignment, without recourse, representation or
warranty furnished to it by the related Sponsor, as are necessary to vest
in EMC
(on its own behalf as Seller and on behalf of Master Funding) title to and
rights under the Mortgage Loan. Such purchase shall be deemed to have occurred
on the date on which the deposit into the Master Servicer Collection Account
was
made. The Securities Administrator shall promptly use its best efforts to
notify
each Rating Agency of such repurchase in accordance with Section 12.05. The
obligation of EMC (on its own behalf as Seller and on behalf of Master Funding)
to cure, repurchase or substitute for any Mortgage Loan as to which a defect
in
a constituent document exists shall be the sole remedies respecting such
defect
available to the Certificateholders or to the Trustee on their
behalf.
(d) EMC
(on
its own behalf as Seller and on behalf of Master Funding) shall deliver to
the
Trustee or the related Custodian on its behalf, and Trustee agrees to accept
the
Mortgage Note and other documents constituting the Mortgage File with respect
to
any Replacement Mortgage Loan, which the Trustee or the related Custodian
will
review as provided in subsections 2.02(a) and 2.02(b), provided, that the
Closing Date referred to therein shall instead be the date of delivery of
the
Mortgage File with respect to each Replacement Mortgage Loan.
Section
2.03 Representations,
Warranties and Covenants of the Company, the Master Servicer, and EMC as
sponsor.
(a) The
Company hereby represents and warrants to the Master Servicer, the Depositor,
the Securities Administrator and the Trustee as follows, as of the Closing
Date:
(i) It
is
duly organized and is validly existing and in good standing under the laws
of
the State of Delaware and is duly authorized and qualified to transact any
and
all business contemplated by this Agreement to be conducted by it in any
state
in which a Mortgaged Property related to an EMC Mortgage Loan is located
or is
otherwise not required under applicable law to effect such qualification
and, in
any event, is in compliance with the doing business laws of any such state,
to
the extent necessary to ensure its ability to enforce each EMC Mortgage Loan,
to
service the EMC Mortgage Loans in accordance with the terms of the Mortgage
Loan
Purchase Agreement and this Agreement and to perform any of its other
obligations under this Agreement in accordance with the terms hereof or
thereof.
(ii) It
has
the full corporate power and authority to service each Mortgage Loan, and
to
execute, deliver and perform, and to enter into and consummate the transactions
contemplated by this Agreement and has duly authorized by all necessary
corporate action on its part the execution, delivery and performance of this
Agreement; and this Agreement, assuming the due authorization, execution
and
delivery hereof by the other parties hereto or thereto, as applicable,
constitutes its legal, valid and binding obligation, enforceable against
it in
accordance with its terms, except that (a) the enforceability hereof may
be
limited by bankruptcy, insolvency, moratorium, receivership and other similar
laws relating to creditors’ rights generally and (b) the remedy of specific
performance and injunctive and other forms of equitable relief may be subject
to
equitable defenses and to the discretion of the court before which any
proceeding therefor may be brought.
(iii) The
execution and delivery of this Agreement, the servicing of the Mortgage Loans
by
it under this Agreement, the consummation of any other of the transactions
contemplated by this Agreement, and the fulfillment of or compliance with
the
terms hereof and thereof are in its ordinary course of business and will
not (A)
result in a breach of any term or provision of its charter or by-laws or
(B)
conflict with, result in a breach, violation or acceleration of, or result
in a
default under, the terms of any other material agreement or instrument to
which
it is a party or by which it may be bound, or (C) constitute a violation
of any
statute, order or regulation applicable to it of any court, regulatory body,
administrative agency or governmental body having jurisdiction over it; and
it
is not in breach or violation of any material indenture or other material
agreement or instrument, or in violation of any statute, order or regulation
of
any court, regulatory body, administrative agency or governmental body having
jurisdiction over it which breach or violation may materially impair its
ability
to perform or meet any of its obligations under this Agreement.
(iv) It
is an
approved servicer of conventional mortgage loans for Xxxxxx Xxx and Xxxxxxx
Mac
and is a mortgagee approved by the Secretary of Housing and Urban Development
pursuant to sections 203 and 211 of the National Housing Act.
(v) No
litigation is pending or, to the best of its knowledge, threatened, against
it
that would materially and adversely affect (a) the execution, delivery or
enforceability of this Agreement (b) its ability to service the EMC Mortgage
Loans, (c) to perform any of its other obligations under this Agreement in
accordance with the terms hereof, (d) its business operations, financial
conditions, or properties or assets owned by it, or (e) its ability to carry
on
its business as now conducted.
(vi) No
consent, approval, authorization or order of any court or governmental agency
or
body is required for its execution, delivery and performance of, or compliance
with, this Agreement or the consummation of the transactions contemplated
hereby
or thereby, or if any such consent, approval, authorization or order is
required, it has obtained the same.
(vii) The
servicing practices used by the Company in respect of each Mortgage Loan
have
been, and will continue to be, compliant in all material respects with
applicable laws and regulations.
(b) LaSalle
Bank National Association, in its capacity as Master Servicer and Securities
Administrator hereby represents and warrants to the Sponsor, the Depositor
and
the Trustee as follows, as of the Closing Date:
(i) It
is a
national banking association duly formed, validly existing and in good standing
under the laws of the United States of America and is duly authorized and
qualified to transact any and all business contemplated by this Agreement
to be
conducted by the Master Servicer and the Securities Administrator and, is
in
compliance with the doing business laws of any state, to the extent necessary
to
ensure its ability to perform any of its other obligations under this Agreement
in accordance with the terms hereof;
(ii) It
has
the full corporate power and authority to execute, deliver and perform, and
to
enter into and consummate the transactions contemplated by this Agreement
and
has duly authorized by all necessary corporate action on its part the execution,
delivery and performance of this Agreement; and this Agreement, assuming
the due
authorization, execution and delivery hereof by the other parties hereto,
constitutes its legal, valid and binding obligation, enforceable against
it in
accordance with its terms, except that (a) the enforceability hereof may
be
limited by bankruptcy, insolvency, moratorium, receivership and other similar
laws relating to creditors’ rights generally and (b) the remedy of specific
performance and injunctive and other forms of equitable relief may be subject
to
equitable defenses and to the discretion of the court before which any
proceeding therefor may be brought.
(iii) The
execution and delivery of this Agreement by it, the consummation of any other
of
the transactions contemplated by this Agreement, and the fulfillment of or
compliance with the terms hereof are in its ordinary course of business and
will
not (A) result in a material breach of any term or provision of its charter
or
by-laws or (B) materially conflict with, result in a material breach, violation
or acceleration of, or result in a material default under, the terms of any
other material agreement or instrument to which it is a party or by which
it may
be bound, or (C) constitute a material violation of any statute, order or
regulation applicable to it of any court, regulatory body, administrative
agency
or governmental body having jurisdiction over it; and it is not in breach
or
violation of any material indenture or other material agreement or instrument,
or in violation of any statute, order or regulation of any court, regulatory
body, administrative agency or governmental body having jurisdiction over
it
which breach or violation may materially impair its ability to perform or
meet
any of its obligations under this Agreement.
(iv) No
litigation is pending or, to the best of its knowledge, threatened, against
it
that would materially and adversely affect the execution, delivery or
enforceability of this Agreement or its ability to perform any of its other
obligations under this Agreement in accordance with the terms
hereof.
(v) No
consent, approval, authorization or order of any court or governmental agency
or
body is required for its execution, delivery and performance of, or compliance
with, this Agreement or the consummation of the transactions contemplated
hereby, or if any such consent, approval, authorization or order is required,
it
has obtained the same.
(c) EMC
(in
its capacity as Sponsor) hereby represents and warrants to the Depositor
and the
Trustee as follows, as of the Closing Date:
(i) EMC
is
duly organized as a Delaware corporation and is validly existing and in good
standing under the laws of the State of Delaware and is duly authorized and
qualified to transact any and all business contemplated by this Agreement
to be
conducted by EMC in any state in which a Mortgaged Property is located or
is
otherwise not required under applicable law to effect such qualification
and, in
any event, is in compliance with the doing business laws of any such state,
to
the extent necessary to ensure its ability to enforce each Mortgage Loan,
to
sell the Mortgage Loans in accordance with the terms of the Mortgage Loan
Purchase Agreement and to perform any of its other obligations under this
Agreement in accordance with the terms hereof.
(ii) EMC
has
the full corporate power and authority to sell each Mortgage Loan, and to
execute, deliver and perform, and to enter into and consummate the transactions
contemplated by this Agreement and has duly authorized by all necessary
corporate action on the part of EMC the execution, delivery and performance
of
this Agreement, assuming the due authorization, execution and delivery hereof
by
the other parties hereto or thereto, as applicable, constitutes a legal,
valid
and binding obligation of EMC, enforceable against EMC in accordance with
its
terms, except that (a) the enforceability hereof may be limited by bankruptcy,
insolvency, moratorium, receivership and other similar laws relating to
creditors’ rights generally and (b) the remedy of specific performance and
injunctive and other forms of equitable relief may be subject to equitable
defenses and to the discretion of the court before which any proceeding therefor
may be brought.
(iii) The
execution and delivery of this Agreement by EMC, the sale of the Mortgage
Loans
by EMC under the Mortgage Loan Purchase Agreement, the consummation of any
other
of the transactions contemplated by this Agreement, and the fulfillment of
or
compliance with the terms hereof and thereof are in the ordinary course of
business of EMC and will not (A) result in a material breach of any term
or
provision of the charter or by-laws of EMC or (B) conflict with, result in
a
breach, violation or acceleration of, or result in a default under, the terms
of
any other material agreement or instrument to which EMC is a party or by
which
it may be bound, or (C) constitute a violation of any statute, order or
regulation applicable to EMC of any court, regulatory body, administrative
agency or governmental body having jurisdiction over EMC; and EMC is not
in
breach or violation of any material indenture or other material agreement
or
instrument, or in violation of any statute, order or regulation of any court,
regulatory body, administrative agency or governmental body having jurisdiction
over it which breach or violation may materially impair EMC’s ability to perform
or meet any of its obligations under this Agreement.
(iv) EMC
is an
approved sponsor of conventional mortgage loans for Xxxxxx Mae and Xxxxxxx
Mac
and is a mortgagee approved by the Secretary of Housing and Urban Development
pursuant to sections 203 and 211 of the National Housing Act.
(v) No
litigation is pending or, to the best of EMC’s knowledge, threatened, against
EMC that would materially and adversely affect the execution, delivery or
enforceability of this Agreement or the ability of EMC to sell the Mortgage
Loans or to perform any of its other obligations under this Agreement in
accordance with the terms hereof or thereof.
(vi) No
consent, approval, authorization or order of any court or governmental agency
or
body is required for the execution, delivery and performance by EMC of, or
compliance by EMC with, this Agreement or the consummation of the transactions
contemplated hereby, or if any such consent, approval, authorization or order
is
required, EMC has obtained the same.
(vii) With
respect to each Mortgage Loan as of the Closing Date (or such other date
as may
be specified in Section 7 of the Mortgage Loan Purchase Agreement), EMC hereby
remakes and restates each of the representations and warranties set forth
in
Section 7 of the Mortgage Loan Purchase Agreement to the Depositor and the
Trustee to the same extent as if fully set forth herein.
(d) Upon
discovery by any of the parties hereto of a breach of a representation or
warranty set forth in the Mortgage Loan Purchase Agreement with respect to
the
Mortgage Loans that materially and adversely affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach
shall
give prompt written notice thereof to the other parties. EMC, in its capacity
as
Sponsor, hereby covenants with respect to the representations and warranties
set
forth in the Mortgage Loan Purchase Agreement with respect to the Mortgage
Loans, that within 90 days of the discovery of a breach of any representation
or
warranty set forth therein that materially and adversely affects the interests
of the Certificateholders in any Mortgage Loan, it shall cure such breach
in all
material respects and, if such breach is not so cured, (i) if such 90 day
period
expires prior to the second anniversary of the Closing Date, remove such
Mortgage Loan (a “Deleted Mortgage Loan”) from the Trust Fund and substitute in
its place a Replacement Mortgage Loan, in the manner and subject to the
conditions set forth in this Section; or (ii) repurchase the affected Mortgage
Loan or Mortgage Loans from the Trustee at the Purchase Price in the manner
set
forth below; provided that any such substitution pursuant to (i) above or
repurchase pursuant to (ii) above shall not be effected prior to the delivery
to
the Trustee of an Opinion of Counsel if required by Section 2.05 hereof and
any
such substitution pursuant to (i) above shall not be effected prior to the
additional delivery to the applicable Custodian of a Request for Release.
The
Trustee shall give prompt written notice to the parties hereto of EMC’s failure
to cure such breach as set forth in the preceding sentence. EMC shall promptly
reimburse the Master Servicer and the Trustee for any expenses reasonably
incurred by the Master Servicer or the Trustee in respect of enforcing the
remedies for such breach. To enable the Master Servicer to amend the Mortgage
Loan Schedule, EMC shall, unless it cures such breach in a timely fashion
pursuant to this Section 2.03, promptly notify the Master Servicer whether
it
intends either to repurchase, or to substitute for, the Mortgage Loan affected
by such breach. With respect to the representations and warranties with respect
to the Mortgage Loans that are made to the best of EMC’s knowledge, if it is
discovered by any of the Depositor, the Master Servicer, EMC, the Securities
Administrator or the Trustee that the substance of such representation and
warranty is inaccurate and such inaccuracy materially and adversely affects
the
value of the related Mortgage Loan, notwithstanding EMC’s lack of knowledge with
respect to the substance of such representation or warranty, EMC (in its
capacity as Sponsor) shall nevertheless be required to cure, substitute for
or
repurchase the affected Mortgage Loan in accordance with the
foregoing.
With
respect to any Replacement Mortgage Loan or Loans, EMC (in its capacity as
Seller) shall deliver to the Trustee or the related Custodian on its behalf
for
the benefit of the Certificateholders such documents and agreements as are
required by Section 2.01. No substitution will be made in any calendar month
after the Determination Date for such month. Notwithstanding the foregoing,
such
substitution must be done within two years of the Closing Date. Scheduled
Payments due with respect to Replacement Mortgage Loans in the Due Period
related to the Distribution Date on which such proceeds are to be distributed
shall not be part of the Trust Fund and will be retained by EMC (in its capacity
as Seller). For the month of substitution, distributions to Certificateholders
will include the Scheduled Payment due on any Deleted Mortgage Loan for the
related Due Period and thereafter EMC (in its capacity as Seller) shall be
entitled to retain all amounts received in respect of such Deleted Mortgage
Loan. The Master Servicer shall amend the Mortgage Loan Schedule for the
benefit
of the Certificateholders to reflect the removal of such Deleted Mortgage
Loan
and the substitution of the Replacement Mortgage Loan or Loans and the Master
Servicer shall deliver the amended Mortgage Loan Schedule to the Securities
Administrator, the Trustee and the related Custodian. Upon such substitution,
the Replacement Mortgage Loan or Loans shall be subject to the terms of this
Agreement in all respects, and EMC shall be deemed to have made with respect
to
such Replacement Mortgage Loan or Loans, as of the date of substitution,
the
representations and warranties set forth in Section 7 or Section 8 of the
Mortgage Loan Purchase Agreement with respect to such Mortgage Loan. Upon
any
such substitution and the deposit into the Master Servicer Collection Account
of
the amount required to be deposited therein in connection with such substitution
as described in the following paragraph and receipt by the related Custodian
of
a Request for Release for such Mortgage Loan, the related Custodian shall
release to EMC the Mortgage File relating to such Deleted Mortgage Loan and
held
for the benefit of the Certificateholders and the Trustee shall execute and
deliver at EMC’s direction such instruments of transfer or assignment as have
been prepared by EMC, in each case without recourse, representation or warranty
as shall be necessary to vest in EMC, or its respective designee, title to
the
Trustee’s interest in any Deleted Mortgage Loan substituted for pursuant to this
Section 2.03.
For
any
month in which EMC substitutes one or more Replacement Mortgage Loans for
a
Deleted Mortgage Loan, the Master Servicer will determine the amount (if
any) by
which the aggregate principal balance of all the Replacement Mortgage Loans
as
of the date of substitution is less than the Stated Principal Balance (after
application of the principal portion of the Scheduled Payment due in the
month
of substitution) of such Deleted Mortgage Loan. An amount equal to the aggregate
of such deficiencies, described in the preceding sentence for any Distribution
Date (such amount, the “Substitution Adjustment Amount”) shall be deposited into
the Master Servicer Collection Account, by EMC delivering such Replacement
Mortgage Loan on the Determination Date for the Distribution Date relating
to
the Prepayment Period during which the related Mortgage Loan became required
to
be purchased or replaced hereunder.
In
the
event that EMC (in its capacity as Sponsor) shall have repurchased a Mortgage
Loan, the Purchase Price therefor shall be deposited into the Master Servicer
Collection Account maintained by the Master Servicer, on the Determination
Date
for the Distribution Date in the month following the month during which EMC
became obligated to repurchase or replace such Mortgage Loan and upon such
deposit of the Purchase Price, the delivery of an Opinion of Counsel if required
by Section 2.05 and the receipt of a Request for Release, the related Custodian
shall release the related Mortgage File held for the benefit of the
Certificateholders to EMC, and the Trustee shall execute and deliver at such
Person’s direction the related instruments of transfer or assignment prepared by
EMC, in each case without recourse, representation or warranty, as shall
be
necessary to transfer title from the Trustee for the benefit of the
Certificateholders and transfer the Trustee’s interest to EMC (on its own behalf
as Seller and on behalf of Master Funding) to any Mortgage Loan purchased
pursuant to this Section 2.03. It is understood and agreed that the obligation
under this Agreement of EMC to cure, repurchase or replace any Mortgage Loan
as
to which a breach has occurred and is continuing shall constitute the sole
remedies against EMC (in its capacity as Sponsor) respecting such breach
available to the Certificateholders, the Depositor or the Trustee.
(e) The
representations and warranties set forth in this Section 2.03 hereof shall
survive delivery of the respective Mortgage Loans and Mortgage Files to the
Trustee or the related Custodian for the benefit of the
Certificateholders.
Section
2.04 Representations
and
Warranties of the Depositor.
The
Depositor hereby represents and warrants to the Master Servicer, the Securities
Administrator and the Trustee as follows, as of the date hereof and as of
the
Closing Date:
(i) The
Depositor is duly organized and is validly existing as a limited liability
company in good standing under the laws of the State of Delaware and has
full
power and authority necessary to own or hold its properties and to conduct
its
business as now conducted by it and to enter into and perform its obligations
under this Agreement.
(ii) The
Depositor has the full power and authority to execute, deliver and perform,
and
to enter into and consummate the transactions contemplated by, this Agreement
and has duly authorized, by all necessary corporate action on its part, the
execution, delivery and performance of this Agreement; and this Agreement,
assuming the due authorization, execution and delivery hereof by the other
parties hereto, constitutes a legal, valid and binding obligation of the
Depositor, enforceable against the Depositor in accordance with its terms,
subject, as to enforceability, to (i) bankruptcy, insolvency, reorganization,
moratorium and other similar laws affecting creditors’ rights generally and (ii)
general principles of equity, regardless of whether enforcement is sought
in a
proceeding in equity or at law.
(iii) The
execution and delivery of this Agreement by the Depositor, the consummation
of
the transactions contemplated by this Agreement, and the fulfillment of or
compliance with the terms hereof and thereof are in the ordinary course of
business of the Depositor and will not (A) result in a material breach of
any
term or provision of the certificate of formation or limited liability company
agreement of the Depositor or (B) materially conflict with, result in a material
breach, violation or acceleration of, or result in a material default under,
the
terms of any other material agreement or instrument to which the Depositor
is a
party or by which it may be bound or (C) constitute a material violation
of any
statute, order or regulation applicable to the Depositor of any court,
regulatory body, administrative agency or governmental body having jurisdiction
over the Depositor; and the Depositor is not in breach or violation of any
material indenture or other material agreement or instrument, or in violation
of
any statute, order or regulation of any court, regulatory body, administrative
agency or governmental body having jurisdiction over it which breach or
violation may materially impair the Depositor’s ability to perform or meet any
of its obligations under this Agreement.
(iv) No
litigation is pending, or, to the best of the Depositor’s knowledge, threatened,
against the Depositor that would materially and adversely affect the execution,
delivery or enforceability of this Agreement or the ability of the Depositor
to
perform its obligations under this Agreement in accordance with the terms
hereof
or thereof.
(v) No
consent, approval, authorization or order of any court or governmental agency
or
body is required for the execution, delivery and performance by the Depositor
of, or compliance by the Depositor with this Agreement or the consummation
of
the transactions contemplated hereby or thereby, or if any such consent,
approval, authorization or order is required, the Depositor has obtained
the
same.
(vi) The
Depositor has filed all reports required to be filed by Section 13 or 15(d)
of
the Exchange Act during the preceding 12 months (or for such shorter period
that
the Depositor was required to file such reports) and it has been subject
to such
filing requirement for the past 90 days.
The
Depositor hereby represents and warrants to the Trustee as of the Closing
Date,
following the transfer of the Mortgage Loans to it by the Sponsor, the Depositor
had good title to the Mortgage Loans and the related Mortgage Notes were
subject
to no offsets, claims, defenses or counterclaims.
It
is
understood and agreed that the representations and warranties set forth in
this
Section 2.04 shall survive delivery of the Mortgage Files to the Trustee
or the
related Custodian for the benefit of the Certificateholders. Upon discovery
by
the Depositor or the Trustee of a breach of such representations and warranties,
the party discovering such breach shall give prompt written notice to the
others
and to each Rating Agency.
Section
2.05 Delivery
of
Opinion of Counsel in Connection with Substitutions and Repurchases.
(a) Notwithstanding
any contrary provision of this Agreement, with respect to any Mortgage Loan
that
is not in default or as to which default is not reasonably foreseeable, no
repurchase or substitution pursuant to Sections 2.02 or 2.03 shall be made
unless EMC delivers to the Trustee and the Securities Administrator an Opinion
of Counsel, addressed to the Trustee and the Securities Administrator, to
the
effect that such repurchase or substitution would not (i) result in the
imposition of the tax on “prohibited transactions” of REMIC I, REMIC II, REMIC
III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII or contributions
after
the Closing Date, as defined in Sections 860F(a)(2) and 860G(d) of the Code,
respectively, or (ii) cause any of REMIC I, REMIC II, REMIC III, REMIC IV,
REMIC
V, REMIC VI, REMIC VII or REMIC VIII to fail to qualify as a REMIC at any
time
that any Certificates are outstanding. Any Mortgage Loan as to which repurchase
or substitution was delayed pursuant to this paragraph shall be repurchased
or
the substitution therefor shall occur (subject to compliance with Sections
2.02
or 2.03) upon the earlier of (a) the occurrence of a default or imminent
default
with respect to such Mortgage Loan and (b) receipt by the Trustee of an Opinion
of Counsel addressed to the Trustee and the Securities Administrator to the
effect that such repurchase or substitution, as applicable, will not result
in
the events described in clause (i) or clause (ii) of the preceding
sentence.
(b) Upon
discovery by the Depositor, EMC or the Master Servicer that any Mortgage
Loan
does not constitute a “qualified mortgage” within the meaning of Section
860G(a)(3) of the Code, the party discovering such fact shall promptly (and
in
any event within 5 Business Days of discovery) give written notice thereof
to
the other parties and the Trustee and the Securities Administrator. In
connection therewith, EMC (in its capacity as Sponsor and on behalf of Master
Funding) shall either (i) substitute, if the conditions in Section 2.03 with
respect to substitutions are satisfied, a Replacement Mortgage Loan for the
affected Mortgage Loan, or (ii) repurchase the affected Mortgage Loan within
90
days of such discovery in the same manner as it would a Mortgage Loan for
a
breach of representation or warranty in accordance with Section 2.03. The
Trustee shall reconvey to EMC (in its capacity as Sponsor and on behalf of
Master Funding) the Mortgage Loan to be released pursuant hereto (and the
related Custodian shall deliver the related Mortgage File) in the same manner,
and on the same terms and conditions, as it would a Mortgage Loan repurchased
for breach of a representation or warranty in accordance with Section
2.03.
Section
2.06 Countersignature
and
Delivery of Certificates.
(a) The
Trustee acknowledges the sale, transfer and assignment to it of the Trust
Fund
and, concurrently with such transfer and assignment, the Securities
Administrator has executed, countersigned and delivered, to or upon the order
of
the Depositor, the Certificates in authorized denominations evidencing the
entire ownership of the Trust Fund. The Trustee agrees to hold the Trust
Fund
and exercise the rights referred to above for the benefit of all present
and
future Holders of the Certificates and to perform the duties set forth in
this
Agreement in accordance with its terms.
(b) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the
REMIC
I Regular Interests and REMIC II Regular Interests and the other assets of
REMIC
III for the benefit of the holders of the REMIC III Regular Interests and
the
Class I-R-2 Certificates. The Trustee acknowledges receipt of the REMIC I
Regular Interests (which are uncertificated), the REMIC II Regular Interests
(which are uncertificated) and the other assets of REMIC III and declares
that
it holds and will hold the same in trust for the exclusive use and benefit
of
the holders of the REMIC III Regular Interests and the Class I-R-2
Certificates.
(c) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the
REMIC
III Regular Interests and the other assets of REMIC IV for the benefit of
the
holders of the Regular Certificates (other than the Class C Certificates),
the
Class C Interests, the Class IO Interests and the Class I-R-3 Certificates.
The
Trustee acknowledges receipt of the REMIC III Regular Interests (which are
uncertificated) and the other assets of REMIC IV and declares that it holds
and
will hold the same in trust for the exclusive use and benefit of the holders
of
the Regular Certificates (other than the Class C Certificates), the Class
C
Interests, the Class IO Interests and the Class I-R-3 Certificates.
(d) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the
Class
I-C Interest for the benefit of the Holders of the Class I-C Certificates
and
Class I-RX Certificates (in respect of the Class I-R-5 Interest). The Trustee
acknowledges receipt of the Class I-C Interest (which is uncertificated)
and
declares that it holds and will hold the same in trust for the exclusive
use and
benefit of the Holders of the Class I-C Certificates and Class I-RX Certificates
(in respect of the Class I-R-5 Interest).
(e) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the
Class
I-IO Interest for the benefit of the Holders of the REMIC VI Regular Interest
IO
and Class I-RX Certificates (in respect of the Class I-R-6 Interest). The
Trustee acknowledges receipt of the Class I-IO Interest (which is
uncertificated) and declares that it holds and will hold the same in trust
for
the exclusive use and benefit of the Holders of the Class I-IO Certificates
and
Class I-RX Certificates (in respect of the Class I-R-6 Interest).
(f) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the
Class
II-C Interest for the benefit of the Holders of the Class II-C Certificates
and
Class II-RX Certificates (in respect of the Class II-R-7 Interest). The Trustee
acknowledges receipt of the Class II-C Interest (which is uncertificated)
and
declares that it holds and will hold the same in trust for the exclusive
use and
benefit of the Holders of the Class II-C Certificates and Class II-RX
Certificates (in respect of the Class II-R-7 Interest).
(g) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the
Class
II-IO Interest for the benefit of the Holders of the REMIC VIII Regular Interest
IO and Class II-RX Certificates (in respect of the Class I-R-8 Interest).
The
Trustee acknowledges receipt of the Class II-IO Interest (which is
uncertificated) and declares that it holds and will hold the same in trust
for
the exclusive use and benefit of the Holders of the Class II-IO Certificates
and
Class II-RX Certificates (in respect of the Class II-R-8 Interest).
Section
2.07 Purposes
and Powers of the Trust.
The
purpose of the common law trust, created hereunder (the “Trust”), is to engage
in the following activities:
(a) acquire
and hold the Mortgage Loans and the other assets of the Trust Fund and the
proceeds therefrom for the benefit of the Certificateholders;
(b) to
issue
the Certificates sold to the Depositor in exchange for the Mortgage Loans
and
the other assets of the Trust Fund;
(c) to
make
distributions on the Certificates;
(d) to
engage
in those activities that are necessary, suitable or convenient to accomplish
the
foregoing or are incidental thereto or connected therewith; and
(e) subject
to compliance with this Agreement, to engage in such other activities as
may be
required in connection with conservation of the Trust Fund and the making
of
distributions to the Certificateholders.
The
Trust
is hereby authorized to engage in the foregoing activities. The Trust shall
not
engage in any activity other than in connection with the foregoing or other
than
as required or authorized by the terms of this Agreement while any Certificate
is outstanding.
ARTICLE
III
ADMINISTRATION
AND SERVICING OF EMC MORTGAGE LOANS BY THE COMPANY
Section
3.01 The
Company.
The
Company shall service and administer the EMC Mortgage Loans in accordance
with
this Agreement and with customary and usual standards of practice of prudent
mortgage loan servicers in the respective states in which the related Mortgaged
Properties are located. In connection with such servicing and administration,
the Company shall have full power and authority, acting alone and/or through
subservicers as provided in Section 3.03, to do or cause to be done any and
all
things that it may deem necessary or desirable and consistent with the terms
of
this Agreement and customary servicing practices in connection with such
servicing and administration, including but not limited to, the power and
authority, subject to the terms hereof (i) to execute and deliver, on behalf
of
the Certificateholders, the Trustee, customary consents or waivers and other
instruments and documents, (ii) to consent to transfers of any related Mortgaged
Property and assumptions of the Mortgage Notes and related Mortgages (but
only
in the manner provided herein), (iii) to collect any Insurance Proceeds and
other Liquidation Proceeds or Subsequent Recoveries, and (iv) subject to
Section
3.12, to effectuate foreclosure or other conversion of the ownership of the
Mortgaged Property securing any EMC Mortgage Loan; provided that the Company
shall take no action that is inconsistent with or prejudices the interests
of
the Trust Fund, or the Certificateholders or this Agreement in any EMC Mortgage
Loan or the rights and interests of the Depositor, the Master Servicer or
the
Trustee under this Agreement.
Without
limiting the generality of the foregoing, the Company, in its own name or
in the
name of the Trust, the Depositor or the Trustee, is hereby authorized and
empowered by the Trust, the Depositor and the Trustee, when the Company believes
it appropriate in its reasonable judgment, to execute and deliver, on behalf
of
the Trustee, the Depositor, the Certificateholders or any of them, any and
all
instruments of satisfaction or cancellation, or of partial or full release
or
discharge and all other comparable instruments, with respect to the EMC Mortgage
Loans, and with respect to the related Mortgaged Properties held for the
benefit
of the Certificateholders. The Company shall prepare and deliver to the
Depositor and/or the Trustee such documents requiring execution and delivery
by
any or all of them as are necessary or appropriate to enable the Company
to
service and administer the EMC Mortgage Loans. Upon receipt of such documents,
the Depositor and/or the Trustee shall execute such documents and deliver
them
to the Company.
In
accordance with the standards of the first paragraph of this Section 3.01,
the
Company shall advance or cause to be advanced funds as necessary for the
purpose
of effecting the payment of taxes and assessments on the Mortgaged Properties
relating to the EMC Mortgage Loans, which advances shall be reimbursable
in the
first instance from related collections from the Mortgagors pursuant to Section
5.04, and further as provided in Section 5.02. All costs incurred by the
Company, if any, in effecting the timely payments of taxes and assessments
on
the Mortgaged Properties relating to the EMC Mortgage Loans and related
insurance premiums shall not, for the purpose of calculating monthly
distributions to the Certificateholders, be added to the Stated Principal
Balance under the related EMC Mortgage Loans, notwithstanding that the terms
of
such Mortgage Loans so permit.
If
the
Mortgage relating to a Mortgage Loan had a lien senior to the Mortgage Loan
on
the related Mortgaged Property as of the Cut-off Date, then the Company may
consent to the refinancing of the prior senior lien, provided that the following
requirements are met:
(i) the
resulting Combined Loan-to-Value Ratio of such Mortgage Loan is no higher
than
the Combined Loan-to-Value Ratio prior to such refinancing; and
(ii) the
interest rate, or, in the case of an adjustable rate existing senior lien,
the
maximum interest rate, for the loan evidencing the refinanced senior lien
is no
more than 2.0% higher than the interest rate or the maximum interest rate,
as
the case may be, on the loan evidencing the existing senior lien immediately
prior to the date of such refinancing; and
(iii) the
loan
evidencing the refinanced senior lien is not subject to negative
amortization.
The
Trustee shall furnish the Company and the related Servicer with any powers
of
attorney and other documents in form as provided to it necessary or appropriate
to enable the Company and the related Servicer to service and administer
the
related Mortgage Loans and REO Property, to execute and deliver instruments
of
satisfaction or cancellation, or of partial or full release or discharge,
and to
foreclose upon or otherwise liquidate Mortgaged Property, and to appeal,
prosecute or defend in any court action relating to the Mortgage Loans or
the
Mortgaged Property, in accordance with the related Servicing Agreement and
this
Agreement.
Section
3.02 Due-on-Sale
Clauses;
Assumption Agreements.
(a) Except
as
otherwise provided in this Section 3.02, when any property subject to a Mortgage
has been or is about to be conveyed by the Mortgagor, the Company shall to
the
extent that it has knowledge of such conveyance, enforce any due-on-sale
clause
contained in any Mortgage Note or Mortgage, to the extent permitted under
applicable law and governmental regulations, but only to the extent that
such
enforcement will not adversely affect or jeopardize coverage under any Required
Insurance Policy. Notwithstanding the foregoing, the Company is not required
to
exercise such rights with respect to an EMC Mortgage Loan if the Person to
whom
the related Mortgaged Property has been conveyed or is proposed to be conveyed
satisfies the terms and conditions contained in the Mortgage Note and Mortgage
related thereto and the consent of the mortgagee under such Mortgage Note
or
Mortgage is not otherwise so required under such Mortgage Note or Mortgage
as a
condition to such transfer. In the event that the Company is prohibited by
law
from enforcing any such due-on-sale clause, or if coverage under any Required
Insurance Policy would be adversely affected, or if nonenforcement is otherwise
permitted hereunder, the Company is authorized, subject to Section 3.02(b),
to
take or enter into an assumption and modification agreement from or with
the
person to whom such property has been or is about to be conveyed, pursuant
to
which such person becomes liable under the Mortgage Note and, unless prohibited
by applicable state law, the Mortgagor remains liable thereon, provided that
the
Mortgage Loan shall continue to be covered (if so covered before the Company
enters such agreement) by the applicable Required Insurance Policies. The
Company, subject to Section 3.02(b), is also authorized with the prior approval
of the insurers under any Required Insurance Policies to enter into a
substitution of liability agreement with such Person, pursuant to which the
original Mortgagor is released from liability and such Person is substituted
as
Mortgagor and becomes liable under the Mortgage Note. Notwithstanding the
foregoing, the Company shall not be deemed to be in default under this Section
3.02(a) by reason of any transfer or assumption that the Company reasonably
believes it is restricted by law from preventing.
(b) Subject
to the Company’s duty to enforce any due-on-sale clause to the extent set forth
in Section 3.02(a), in any case in which a Mortgaged Property has been conveyed
to a Person by a Mortgagor, and such Person is to enter into an assumption
agreement or modification agreement or supplement to the Mortgage Note or
Mortgage that requires the signature of the Trustee, or if an instrument
of
release signed by the Trustee is required releasing the Mortgagor from liability
on the related EMC Mortgage Loan, the Company shall prepare and deliver or
cause
to be prepared and delivered to the Trustee for signature and shall direct,
in
writing, the Trustee to execute the assumption agreement with the Person
to whom
the Mortgaged Property is to be conveyed and such modification agreement
or
supplement to the Mortgage Note or Mortgage or other instruments as are
reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any applicable laws regarding assumptions or
the
transfer of the Mortgaged Property to such Person. In connection with any
such
assumption, no material term of the Mortgage Note (including, but not limited
to, the Mortgage Rate, the amount of the Scheduled Payment and any other
term
affecting the amount or timing of payment on the EMC Mortgage Loan) may be
changed. In addition, the substitute Mortgagor and the Mortgaged Property
must
be acceptable to the Company in accordance with its servicing standards as
then
in effect. The Company shall notify the Trustee that any such substitution
or
assumption agreement has been completed by forwarding to the Trustee the
original of such substitution or assumption agreement, which in the case
of the
original shall be added to the related Mortgage File and shall, for all
purposes, be considered a part of such Mortgage File to the same extent as
all
other documents and instruments constituting a part thereof. Any fee collected
by the Company for entering into an assumption or substitution of liability
agreement will be retained by the Company as additional servicing
compensation.
Section
3.03 Subservicers.
The
Company shall perform all of its servicing responsibilities hereunder or
may
cause a subservicer to perform any such servicing responsibilities on its
behalf, but the use by the Company of a subservicer shall not release the
Company from any of its obligations hereunder and the Company shall remain
responsible hereunder for all acts and omissions of each subservicer as fully
as
if such acts and omissions were those of the Company. The Company shall pay
all
fees of each subservicer from its own funds, and a subservicer’s fee shall not
exceed the Servicing Fee payable to the Company hereunder.
At
the
cost and expense of the Company, without any right of reimbursement from
its
Protected Account, the Company shall be entitled to terminate the rights
and
responsibilities of a subservicer and arrange for any servicing responsibilities
to be performed by a successor subservicer; provided, however, that nothing
contained herein shall be deemed to prevent or prohibit the Company, at the
Company’s option, from electing to service the related Mortgage Loans itself. In
the event that the Company’s responsibilities and duties under this Agreement
are terminated pursuant to Section 9.01, the Company shall at its own cost
and
expense terminate the rights and responsibilities of each subservicer effective
as of the date of termination of the Company. The Company shall pay all fees,
expenses or penalties necessary in order to terminate the rights and
responsibilities of each subservicer from the Company’s own funds without
reimbursement from the Trust Fund.
Notwithstanding
the foregoing, the Company shall not be relieved of its obligations hereunder
and shall be obligated to the same extent and under the same terms and
conditions as if it alone were servicing and administering the EMC Mortgage
Loans. The Company shall be entitled to enter into an agreement with a
subservicer for indemnification of the Company by the subservicer and nothing
contained in this Agreement shall be deemed to limit or modify such
indemnification.
Any
subservicing agreement and any other transactions or services relating to
the
EMC Mortgage Loans involving a subservicer shall be deemed to be between
such
subservicer and the Company alone, and neither the Master Servicer nor the
Trustee shall have any obligations, duties or liabilities with respect to
such
subservicer including any obligation, duty or liability of either the Master
Servicer or the Trustee to pay such subservicer’s fees and expenses. For
purposes of remittances to the Securities Administrator pursuant to this
Agreement, the Company shall be deemed to have received a payment on an EMC
Mortgage Loan when a subservicer has received such payment.
Section
3.04 Documents,
Records
and Funds in Possession of the Company to Be Held for Trustee.
Notwithstanding
any other provisions of this Agreement, the Company shall transmit to the
Trustee or the related Custodian on behalf of the Trustee as required by
this
Agreement all documents and instruments in respect of an EMC Mortgage Loan
coming into the possession of the Company from time to time and shall account
fully to the Master Servicer for any funds received by the Company or that
otherwise are collected by the Company as Liquidation Proceeds, Insurance
Proceeds or Subsequent Recoveries in respect of any such Mortgage Loan. All
Mortgage Files and funds collected or held by, or under the control of, the
Company in respect of any EMC Mortgage Loans, whether from the collection
of
principal and interest payments or from Liquidation Proceeds or Subsequent
Recoveries, including but not limited to, any funds on deposit in the Protected
Account maintained by the Company, shall be held by the Company for and on
behalf of the Trustee and shall be and remain the sole and exclusive property
of
the Trustee, subject to the applicable provisions of this Agreement. The
Company
also agrees that it shall not create, incur or subject any Mortgage File
or any
funds that are deposited in the Protected Account maintained by the Company
or
in any Escrow Account, or any funds that otherwise are or may become due
or
payable to the Trustee for the benefit of the Certificateholders, to any
claim,
lien, security interest, judgment, levy, writ of attachment or other
encumbrance, or assert by legal action or otherwise any claim or right of
set
off against any Mortgage File or any funds collected on, or in connection
with,
an EMC Mortgage Loan, except, however, that the Company shall be entitled
to set
off against and deduct from any such funds any amounts that are properly
due and
payable to the Company under this Agreement.
All
funds
collected or held by, or under the control of, the Company, in respect of
any
Mortgage Loans, whether from the collection of principal and interest payments
or from Liquidation Proceeds or Insurance Proceeds, shall be held by the
Company
for and on behalf of the Trustee and the Certificateholders and shall be
and
remain the sole and exclusive property of the Trustee; provided, however,
that
the Company shall be entitled to setoff against, and deduct from, any such
funds
any amounts that are properly due and payable to the Company under this
Agreement.
Section
3.05 Optional
Purchase
of Certain Mortgage Loans.
With
respect to any Mortgage Loans which as of the first day of a Fiscal Quarter
is
delinquent in payment by 90 days or more or is an REO Property, EMC shall
have
the right to purchase any Mortgage Loan from the Trust which becomes 90 days
or
more delinquent or becomes an REO Property at a price equal to the Purchase
Price; provided however (i) that such Mortgage Loan is still 90 days or more
delinquent or is an REO Property as of the date of such purchase and (ii)
this
purchase option, if not theretofore exercised, shall terminate on the date
prior
to the last day of the related Fiscal Quarter. This purchase option, if not
exercised, shall not be thereafter reinstated unless the delinquency is cured
and the Mortgage Loan thereafter again becomes 90 days or more delinquent
or
becomes an REO Property, in which case the option shall again become exercisable
as of the first day of the related Fiscal Quarter.
In
addition, EMC shall, at its option, purchase any Mortgage Loan from the Trust
if
the first Due Date for such Mortgage Loan is subsequent to the Cut-off Date
and
the initial Scheduled Payment is not made within thirty (30) days of such
Due
Date. Such purchase shall be made at a price equal to the Purchase Price.
If
at any
time EMC remits to the Master Servicer a payment for deposit in the Master
Servicer Collection
Account
covering the amount of the Purchase Price for such a Mortgage Loan, and EMC
provides to the Master Servicer and Trustee an Officer’s Certificate stating
that the amount of such payment has been deposited in the Master
Servicer Collection
Account,
then the Trustee shall execute the assignment of such Mortgage Loan prepared
and
delivered to the Trustee, at the request of EMC, without recourse,
representation or warranty, to EMC which shall succeed to all the Trustee’s
right, title and interest in and to such Mortgage Loan, and all security
and
documents relative thereto. Such assignment shall be an assignment outright
and
not for security. EMC will thereupon own such Mortgage, and all such security
and documents, free of any further obligation to the Trustee or the
Certificateholders with respect thereto.
Section
3.06 Release
of
Mortgage Files.
(a) (i)
Upon
becoming aware of the payment in full of any Mortgage Loan, or the receipt
by
the Company or the related Servicer of a notification that payment in full
has
been escrowed in a manner customary for such purposes for payment to
Certificateholders on the next Distribution Date, the Company or a Servicer
(pursuant to the related Servicing Agreement), as applicable, will (or if
the
Company or the related Servicer does not, the Master Servicer may), promptly
furnish to the Custodian, on behalf of the Trustee, two copies of a
certification substantially in the form of Exhibit G hereto signed by a
Servicing Officer or Master Servicing Officer or in a mutually agreeable
electronic format which will, in lieu of a signature on its face, originate
from
a Servicing Officer or Master Servicing Officer (which certification shall
include a statement to the effect that all amounts received in connection
with
such payment that are required to be deposited in the Protected Account
maintained by the Company pursuant to Article V or by the related Servicer
pursuant to the related Servicing Agreement have been or will be so deposited)
and shall request that the Custodian, on behalf of the Trustee, deliver to
the
Company or the related Servicer or the Master Servicer the related Mortgage
File. Upon receipt of such certification and request, the Custodian, on behalf
of the Trustee, shall promptly release the related Mortgage File to the Company
or the related Servicer or the Master Servicer and the Trustee and Custodian
shall have no further responsibility with regard to such Mortgage File. Upon
any
such payment in full, the Company or the related Servicer is authorized,
to
give, as agent for the Trustee as the mortgagee under the Mortgage that secured
the Mortgage Loan, an instrument of satisfaction (or assignment of mortgage
without recourse, representation or warranty) regarding the Mortgaged Property
subject to the Mortgage, which instrument of satisfaction or assignment,
as the
case may be, shall be delivered to the Person or Persons entitled thereto
against receipt therefor of such payment, it being understood and agreed
that no
expenses incurred in connection with such instrument of satisfaction or
assignment, as the case may be, shall be chargeable to the Protected
Account.
(b) From
time
to time and as appropriate for the servicing or foreclosure of any Mortgage
Loan
and in accordance with this Agreement and the related Servicing Agreement,
as
applicable, the Trustee shall execute such documents as shall be prepared
and
furnished to the Trustee by the Company, the Servicer or the Master Servicer
(in
form reasonably acceptable to the Trustee) and as are necessary to the
prosecution of any such proceedings. The related Custodian, on behalf of
the
Trustee, shall, pursuant to the related Custodial Agreement, upon the request
of
the Company, the Servicer or the Master Servicer, and delivery to the related
Custodian, on behalf of the Trustee, of two copies of a request for release
signed by a Servicing Officer or Master Servicing Officer, as applicable,
substantially in the form of Exhibit G (or in a mutually agreeable electronic
format which will, in lieu of a signature on its face, originate from a
Servicing Officer or Master Servicing Officer, as applicable), release the
related Mortgage File held in its possession or control to the Company, the
Servicer or the Master Servicer, as applicable. Such trust receipt shall
obligate the Company, the Servicer or the Master Servicer to return the Mortgage
File to the Custodian on behalf of the Trustee, when the need therefor by
such
Person no longer exists unless the Mortgage Loan shall be liquidated, in
which
case, upon receipt of a certificate of a Servicing Officer or Master Servicing
Officer, as applicable similar to that hereinabove specified, the Mortgage
File
shall be released by the Custodian, on behalf of the Trustee, to the Company,
the Servicer or the Master Servicer.
Section
3.07 Maintenance
of
Hazard Insurance.
The
Company shall cause to be maintained, for each EMC Mortgage Loan, hazard
insurance on buildings upon, or comprising part of, the Mortgaged Property
against loss by fire, hazards of extended coverage and such other hazards
as are
customary in the area where the related Mortgaged Property is located with
an
insurer which is licensed to do business in the state where the related
Mortgaged Property is located. Each such policy of standard hazard insurance
shall contain, or have an accompanying endorsement that contains, a standard
mortgagee clause. The Company shall also cause flood insurance to be maintained
on property acquired upon foreclosure or deed in lieu of foreclosure of any
EMC
Mortgage Loan, to the extent described below. Pursuant to Section 5.01, any
amounts collected by the Company under any such policies (other than the
amounts
to be applied to the restoration or repair of the related Mortgaged Property
or
property thus acquired or amounts released to the Mortgagor in accordance
with
the Company’s normal servicing procedures) shall be deposited in the Protected
Account maintained by the Company. Any cost incurred by the Company in
maintaining any such insurance shall not, for the purpose of calculating
monthly
distributions to the Certificateholders or remittances to the Securities
Administrator for their benefit, be added to the principal balance of the
Mortgage Loan, notwithstanding that the terms of the EMC Mortgage Loan so
permit. Such costs shall be recoverable by the Company out of late payments
by
the related Mortgagor or out of Liquidation Proceeds to the extent permitted
by
Section 5.02. It is understood and agreed that no earthquake or other additional
insurance is to be required of any Mortgagor or maintained on property acquired
in respect of a Mortgage other than pursuant to such applicable laws and
regulations as shall at any time be in force and as shall require such
additional insurance. If the Mortgaged Property is located at the time of
origination of the related EMC Mortgage Loan in a federally designated special
flood hazard area and such area is participating in the national flood insurance
program, the Company shall cause flood insurance to be maintained with respect
to such EMC Mortgage Loan. Such flood insurance shall be in an amount equal
to
the least of (i) the Stated Principal Balance of the related EMC Mortgage
Loan,
(ii) minimum amount required to compensate for damage or loss on a replacement
cost basis or (iii) the maximum amount of such insurance available for the
related Mortgaged Property under the Flood Disaster Protection Act of 1973,
as
amended.
In
the
event that the Company shall obtain and maintain a blanket policy insuring
against hazard losses on all of the EMC Mortgage Loans, it shall conclusively
be
deemed to have satisfied its obligations as set forth in the first sentence
of
this Section 3.07, it being understood and agreed that such policy may contain
a
deductible clause on terms substantially equivalent to those commercially
available and maintained by comparable servicers. If such policy contains
a
deductible clause, the Company shall, in the event that there shall not have
been maintained on the related Mortgaged Property a policy complying with
the
first sentence of this Section 3.07, and there shall have been a loss that
would
have been covered by such policy, deposit in the Protected Account maintained
by
the Company the amount not otherwise payable under the blanket policy because
of
such deductible clause. Such deposit shall be from the Company’s own funds
without reimbursement therefor. In connection with its activities as
administrator and servicer of the EMC Mortgage Loans, the Company agrees
to
present, on behalf of itself and the Trustee for the benefit of the
Certificateholders claims under any such blanket policy.
Section
3.08 Presentment
of
Claims and Collection of Proceeds.
The
Company shall prepare and present on behalf of the Trustee and the
Certificateholders all claims under the Required Insurance Policies relating
to
the EMC Mortgage Loans and take such actions (including the negotiation,
settlement, compromise or enforcement of the insured’s claim) as shall be
necessary to realize recovery under such Required Insurance Policies. Any
proceeds disbursed to the Company in respect of such Required Insurance Policies
shall be promptly deposited in the Protected Account maintained by the Company
upon receipt, except that any amounts realized that are to be applied to
the
repair or restoration of the related Mortgaged Property as a condition precedent
to the presentation of claims on the related EMC Mortgage Loan to the insurer
under any applicable Insurance Policy need not be so deposited (or
remitted).
Section 3.09 Books
and Records.
The
Company shall be responsible for maintaining, and shall maintain, a complete
set
of books and records for the EMC Mortgage Loans which shall be appropriately
identified in the Company’s computer system to clearly reflect the ownership of
the EMC Mortgage Loans by the Trust. In particular, the Company shall maintain
in its possession, available for inspection by the Master Servicer, the
Securities Administrator and the Trustee and shall deliver to the Master
Servicer, the Securities Administrator and the Trustee upon demand, evidence
of
compliance with all federal, state and local laws, rules and regulations.
The
Trustee, the Securities Administrator and the Master Servicer, and any
governmental or regulatory agency with jurisdiction over the Trustee, the
Securities Administrator or the Master Servicer, as applicable, shall have
the
right, upon reasonable advance notice to the Company, to inspect and examine
the
books and records of the Company. To the extent that original documents
are not
required for purposes of realization of Liquidation Proceeds or Insurance
Proceeds, documents maintained by the Company may be in the form of microfilm
or
microfiche or such other reliable means of recreating original documents,
including, but not limited to, optical imagery techniques so long as the
Company
complies with the requirements of Accepted Servicing Practices. During
the term
of this Agreement, the Company shall, upon reasonable advance notice, make
available a Servicing Officer to the Master Servicer for answering questions
and
responding to inquiries.
The
Company shall maintain with respect to each EMC Mortgage Loan and shall
make
available for inspection by the Master Servicer and the Trustee the related
servicing file during the time such EMC Mortgage Loan is subject to this
Agreement and thereafter in accordance with applicable law.
Payments
on the Mortgage Loans, including any payoffs, made in accordance with the
related Mortgage File will be entered in the Company's set of books and
records
no more than two business days after receipt and identification, and allocated
to principal or interest as specified in the related Mortgage File.
Section
3.10 Custodians
to Retain Possession of Certain Insurance Policies and
Documents.
The
related Custodian on behalf of the Trustee, shall retain possession and custody
of the originals (to the extent available) of any certificate of insurance
if
applicable, and any certificates of renewal as to the foregoing as may be
issued
from time to time as contemplated by this Agreement. Until all amounts
distributable in respect of the Certificates have been distributed in full
and
the Company or the related Servicer, as applicable otherwise has fulfilled
its
obligations under this Agreement or the related Servicing Agreement, as
applicable, the related Custodian on behalf of the Trustee shall also retain
possession and custody of each Mortgage File in accordance with and subject
to
the terms and conditions of this Agreement. The Company shall promptly deliver
or cause to be delivered to the related Custodian on behalf of the Trustee,
upon
the execution or receipt thereof the originals of any certificates of renewal,
and such other documents or instruments that constitute portions of the Mortgage
File that come into the possession of the Company from time to
time.
Section
3.11 Fidelity
Bond,
Errors and Omissions Insurance.
The
Company shall maintain, at its own expense, a blanket fidelity bond and an
errors and omissions insurance policy, with broad coverage with responsible
companies on all officers, employees or other persons acting in any capacity
with regard to the EMC Mortgage Loans and who handle funds, money, documents
and
papers relating to the EMC Mortgage Loans. The fidelity bond and errors and
omissions insurance shall be in the form of the Mortgage Banker’s Blanket Bond
and shall protect and insure the Company against losses, including forgery,
theft, embezzlement, fraud, errors and omissions and negligent acts of such
persons. Such fidelity bond shall also protect and insure the Company against
losses in connection with the failure to maintain any insurance policies
required pursuant to this Agreement and the release or satisfaction of an
EMC
Mortgage Loan which is not in accordance with Accepted Servicing Practices.
No
provision of this Section 3.11 requiring the fidelity bond and errors and
omissions insurance shall diminish or relieve the Company from its duties
and
obligations as set forth in this Agreement. The minimum coverage under any
such
bond and insurance policy shall be at least equal to the corresponding amounts
required by Accepted Servicing Practices. The Company shall deliver to the
Master Servicer a certificate from the surety and the insurer as to the
existence of the fidelity bond and errors and omissions insurance policy
and
shall obtain a statement from the surety and the insurer that such fidelity
bond
or insurance policy shall in no event be terminated or materially modified
without thirty days prior written notice to the Master Servicer and the Trustee.
The Company shall notify the Master Servicer, the Securities Administrator
and
the Trustee in writing within five business days of receipt of notice that
such
fidelity bond or insurance policy will be, or has been, materially modified
or
terminated. The Trustee for the benefit of the Certificateholders must be
named
as loss payees on the fidelity bond and as additional insured on the errors
and
omissions policy.
Section
3.12 Realization
Upon
Defaulted Mortgage Loans; Determination of Excess Liquidation Proceeds and
Realized Losses; Repurchases of Certain Mortgage Loans.
(a) The
Company shall use reasonable efforts to foreclose upon or otherwise comparably
convert the ownership of properties securing such of the EMC Mortgage Loans
as
come into and continue in default and as to which no satisfactory arrangements
can be made for collection of delinquent payments. In connection with such
foreclosure or other conversion, the Company shall follow such practices
and
procedures as it shall deem necessary or advisable and as shall be normal
and
usual in its general mortgage servicing activities and the requirements of
the
insurer under any Required Insurance Policy; provided that the Company shall
not
be required to expend its own funds in connection with any foreclosure or
towards the restoration of any property unless it shall determine (i) that
such
restoration and/or foreclosure will increase the proceeds of liquidation
of the
EMC Mortgage Loan after reimbursement to itself of such expenses and (ii)
that
such expenses will be recoverable to it through Insurance Proceeds or
Liquidation Proceeds (respecting which it shall have priority for purposes
of
withdrawals from the Protected Account maintained by the Company pursuant
to
Section 5.02). If the Company reasonably believes that Liquidation Proceeds
with
respect to any such EMC Mortgage Loan would not be increased as a result
of such
foreclosure or other action, such EMC Mortgage Loan will be charged-off and
will
become a Liquidated Loan. The Company will give notice of any such charge-off
to
the Trustee and the Master Servicer. The Company shall be responsible for
all
other costs and expenses incurred by it in any such proceedings; provided
that
such costs and expenses shall be Servicing Advances and that it shall be
entitled to reimbursement thereof from the proceeds of liquidation of the
related Mortgaged Property, as contemplated in Section 5.02. If the Company
has
knowledge that a Mortgaged Property that the Company is contemplating acquiring
in foreclosure or by deed- in-lieu of foreclosure is located within a one-mile
radius of any site with environmental or hazardous waste risks known to the
Company, the Company will, prior to acquiring the related Mortgaged Property,
consider such risks and only take action in accordance with its established
environmental review procedures.
With
respect to any REO Property relating to an EMC Mortgage Loan, the deed or
certificate of sale shall be taken in the name of the Trustee for the benefit
of
the Certificateholders (or the Trustee’s nominee on behalf of the
Certificateholders). The Trustee’s name shall be placed on the title to such REO
Property solely as the Trustee hereunder and not in its individual capacity.
The
Company shall ensure that the title to such REO Property references this
Agreement and the Trustee’s capacity hereunder. Pursuant to its efforts to sell
such REO Property, the Company shall either itself or through an agent selected
by the Company protect and conserve such REO Property in the same manner
and to
such extent as is customary in the locality where such REO Property is located
and may, incident to its conservation and protection of the interests of
the
Certificateholders, rent the same, or any part thereof, as the Company deems
to
be in the best interest of the Company and the Certificateholders for the
period
prior to the sale of such REO Property. The Company shall prepare for and
deliver to the Trustee, the Master Servicer and the Securities Administrator
a
statement with respect to each such REO Property that has been rented showing
the aggregate rental income received and all expenses incurred in connection
with the management and maintenance of such REO Property at such times as
is
necessary to enable the Securities Administrator to comply with the reporting
requirements of the REMIC Provisions. The net monthly rental income, if any,
from such REO Property shall be deposited in the Protected Account maintained
by
the Company with respect to the applicable loan group no later than the close
of
business on each Determination Date. The Company shall perform the tax reporting
and withholding related to foreclosures, abandonments and cancellation of
indebtedness income as specified by Sections 1445, 6050J and 6050P of the
Code
by preparing and filing such tax and information returns, as may be
required.
In
the
event that the Trust Fund acquires any Mortgaged Property as aforesaid or
otherwise in connection with a default or reasonably foreseeable default
on an
EMC Mortgage Loan, the Company shall dispose of such Mortgaged Property prior
to
three years after its acquisition by the Trust Fund or, at the expense of
the
Trust Fund, request more than 60 days prior to the day on which such three-year
period would otherwise expire, an extension of the three-year grace period
unless the Trustee and the Securities Administrator shall have been supplied
with an Opinion of Counsel addressed to the Trustee and the Securities
Administrator (such opinion not to be an expense of the Trustee or the
Securities Administrator) to the effect that the holding by the Trust Fund
of
such Mortgaged Property subsequent to such three-year period will not result
in
the imposition of taxes on “prohibited transactions” of REMIC I, REMIC II, REMIC
III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII as defined in Section
860F of the Code or cause any of REMIC I, REMIC II, REMIC III, REMIC IV,
REMIC
V, REMIC VI, REMIC VII or REMIC VIII to fail to qualify as a REMIC at any
time
that any Certificates are outstanding, in which case the Trust Fund may continue
to hold such Mortgaged Property (subject to any conditions contained in such
Opinion of Counsel). Notwithstanding any other provision of this Agreement,
no
Mortgaged Property acquired by the Trust Fund shall be rented (or allowed
to
continue to be rented) or otherwise used for the production of income by
or on
behalf of the Trust Fund in such a manner or pursuant to any terms that would
(i) cause such Mortgaged Property to fail to qualify as “foreclosure property”
within the meaning of Section 860G(a)(8) of the Code or (ii) subject any
of
REMIC I, REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC
VIII to the imposition of any federal, state or local income taxes on the
income
earned from such Mortgaged Property under Section 860G(c) of the Code or
otherwise, unless the Company has agreed to indemnify and hold harmless the
Trust Fund with respect to the imposition of any such taxes.
The
decision of the Company to foreclose on a defaulted EMC Mortgage Loan shall
be
subject to a determination by the Company that the proceeds of such foreclosure
would exceed the costs and expenses of bringing such a proceeding. The income
earned from the management of any Mortgaged Properties acquired through
foreclosure or other judicial proceeding, net of reimbursement to the Company
for expenses incurred (including any property or other taxes) in connection
with
such management and net of unreimbursed Servicing Fees, Advances, Servicing
Advances and any management fee paid or to be paid with respect to the
management of such Mortgaged Property, shall be applied to the payment of
principal of, and interest on, the related defaulted EMC Mortgage Loans (with
interest accruing as though such Mortgage Loans were still current) and all
such
income shall be deemed, for all purposes in the Agreement, to be payments
on
account of principal and interest on the related Mortgage Notes and shall
be
deposited into the Protected Account maintained by the Company. To the extent
the income received during a Prepayment Period is in excess of the amount
attributable to amortizing principal and accrued interest at the related
Mortgage Rate on the related EMC Mortgage Loan, such excess shall be considered
to be a partial Principal Prepayment for all purposes hereof.
The
Liquidation Proceeds with the respect to each Loan Group from any liquidation
of
a related EMC Mortgage Loan, net of any payment to the Company as provided
above, shall be deposited in the related Protected Account for such Loan
Group
maintained by the Company upon
receipt and made available on
the
next succeeding Determination Date following receipt thereof for distribution
on
the related Distribution Date, except that any Excess Liquidation Proceeds
shall
be retained by the Company as additional servicing compensation.
The
proceeds of any Liquidated Loan, from each Loan Group as well as any recovery
resulting from a partial collection of related Liquidation Proceeds or any
income from a related REO Property, will be applied in the following order
of
priority: first, to reimburse the Company and the Master Servicer for any
related unreimbursed Servicing Advances and Servicing Fees, pursuant to Section
5.02 or this Section 3.12; second, to reimburse the Company and the Master
Servicer for any unreimbursed Advances with respect to such Loan Group, pursuant
to Section 5.02 or this Section 3.12; third, to accrued and unpaid interest
(to
the extent no Advance has been made for such amount) on the EMC Mortgage
Loan or
related REO Property, at the Net Mortgage Rate to the first day of the month
in
which such amounts are required to be distributed; and fourth, as a recovery
of
principal of the EMC Mortgage Loan.
(b) On
each
Determination Date, the Company shall determine the respective aggregate
amounts
of Excess Liquidation Proceeds and Realized Losses, if any, for the related
Prepayment Period.
(c) The
Company has no intent to foreclose on any EMC Mortgage Loan based on the
delinquency characteristics as of the Closing Date; provided, that the foregoing
does not prevent the Company from initiating foreclosure proceedings on any
date
hereafter if the facts and circumstances of such EMC Mortgage Loans including
delinquency characteristics in the Company’s discretion so warrant such
action.
Section
3.13 Servicing
Compensation.
As
compensation for its activities hereunder, the Company shall be entitled
to
retain or withdraw from the Protected Account out of each payment of interest
on
an EMC Mortgage Loan included in the Trust Fund an amount equal to the Servicing
Fee.
Additional
servicing compensation in the form of any Excess Liquidation Proceeds,
assumption fees, other ancillary income, late payment charges, all Prepayment
Interest Excess on any EMC Mortgage Loan, all income and gain net of any
losses
realized from Permitted Investments with respect to funds in or credited
to the
Protected Account maintained by the Company shall be retained by the Company
to
the extent not required to be deposited in the Protected Account maintained
by
the Company pursuant to Section 5.02. The Company shall be required to pay
all
expenses incurred by it in connection with its servicing activities hereunder
(including payment of any premiums for hazard insurance, as required by Section
3.07) and shall not be entitled to reimbursement therefor except as specifically
provided in Section 5.02.
Section
3.14 REO
Property.
(a) In
the
event the Trust Fund acquires ownership of any REO Property in respect of
any
related EMC Mortgage Loan, the deed or certificate of sale shall be issued
to
the Trustee, or to its nominee, on behalf of the related Certificateholders.
The
Company shall sell any such REO Property as expeditiously as possible and
in
accordance with the provisions of this Agreement. Pursuant to its efforts
to
sell such REO Property, the Company shall protect and conserve such REO Property
in the manner and to the extent required herein, in accordance with the REMIC
Provisions.
(b) The
Company shall deposit all funds collected and received in connection with
the
operation of any REO Property in respect of any EMC Mortgage Loan into the
Protected Account maintained by the Company.
(c) The
Company and the Master Servicer, upon the final disposition of any REO Property
in respect of any EMC Mortgage Loan, shall be entitled to reimbursement for
any
related unreimbursed Advances, unreimbursed Servicing Advances, Servicing
Fees
and Master Servicing Fees from Liquidation Proceeds received in connection
with
the final disposition of such REO Property; provided, that any such unreimbursed
Advances, Servicing Fees or Master Servicing Fees as well as any unpaid
Servicing Fees and Master Servicing Fees may be reimbursed or paid, as the
case
may be, prior to final disposition, out of any net rental income or other
net
amounts derived from such REO Property.
Section
3.15 Liquidation
Reports.
Upon
the
foreclosure of any Mortgaged Property relating to an EMC Mortgage Loan or
the
acquisition thereof by the Trust Fund pursuant to a deed-in-lieu of foreclosure,
the Company shall submit a liquidation report to the Master Servicer containing
such information as shall be mutually acceptable to the Company and the Master
Servicer with respect to such Mortgaged Property.
Section
3.16 Annual
Statement as to Compliance.
The
Company, the Master Servicer and the Securities Administrator shall each
deliver
to the Securities Administrator and the Depositor, not later than March
15th
of each
calendar year beginning in 2007, an Officer’s Certificate (an “Annual Statement
of Compliance”) stating, as to each signatory thereof, that (i) a review of the
activities of each such party during the preceding calendar year and of its
performance under this Agreement and/or other applicable servicing agreement
has
been made under such officer’s supervision and (ii) to the best of such
officer’s knowledge, based on such review, each such party has fulfilled all of
its obligations under this Agreement and/or other applicable servicing agreement
in all material respects throughout such year, or, if there has been a failure
to fulfill any such obligation in any material respect, specifying each such
failure known to such officer and the nature and status of cure provisions
thereof. Such Annual Statement of Compliance shall contain no restrictions
or
limitations on its use. In the event that the Company, the Securities
Administrator or the Master Servicer has delegated any servicing
responsibilities with respect to the Mortgage Loans to a subservicer or
subcontractor, such subservicer or subcontractor shall deliver a similar
Annual
Statement of Compliance, to the Securities Administrator and the Depositor
as
described above as and when required with respect to the Company, the Master
Servicer and the Securities Administrator.
Failure
of the Master Servicer to comply with this Section 3.16 (including with respect
to the time frames required in this Section) shall be deemed an Event of
Default
with respect to such party, and the Trustee at the direction of the Depositor,
shall, in addition to whatever rights the Trustee may have under this Agreement
and at law or in equity or to damages, including injunctive relief and specific
performance, upon notice immediately terminate all of the rights and obligations
of the Master Servicer under this Agreement and in and to the Mortgage Loans
and
the proceeds thereof without compensating the Master Servicer for the same.
Failure of the Company to comply with this Section 3.16 (including with respect
to the timeframes required in this Section) which failure results in a failure
to timely file the related Form 10-K, shall be deemed a Company Default and
the
Master Servicer at the direction of the Depositor shall, in addition to whatever
rights the Master Servicer may have under this Agreement and at law or in
equity
or to damages, including injunctive relief and specific performance, upon
notice
immediately terminate all of the rights and obligations of the Company under
this Agreement and in and to the Mortgage Loans and the proceeds thereof
without
compensating the Company for the same. Failure of the Securities Administrator
to comply with this Section 3.16 (including with respect to the time frames
required in this Section) shall be deemed a default and the Trustee at the
direction of the Depositor shall, in addition to whatever rights the Trustee
may
have under this Agreement and at law or in equity or to damages, including
injunctive relief and specific performance, upon notice immediately terminate
all of the rights and obligations of the Securities Administrator under this
Agreement and in and to the Mortgage Loans and the proceeds thereof without
compensating the Securities Administrator for the same. This paragraph shall
supersede any other provision in this Agreement or any other agreement to
the
contrary.
Section
3.17 Assessments
of Compliance and Attestation Reports.
Pursuant
to Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation
AB,
the Company, the Master Servicer, the Securities Administrator and the Custodian
(each, an “Attesting Party”) shall each deliver to the Securities Administrator
and the Depositor on or before March 15th
of
each
calendar year beginning in 2007, a report signed by an authorized officer
of
such party regarding such Attesting Party’s assessment of compliance (an
“Assessment of Compliance”) with the Servicing Criteria during the preceding
calendar year. The Assessment of Compliance, as set forth in Regulation AB,
must
contain the following:
(a) A
statement by such officer of its responsibility for assessing compliance
with
the Servicing Criteria applicable to the related Attesting Party;
(b) A
statement by such officer that such Attesting Party used the Servicing Criteria
attached as Exhibit P hereto, and which will also be attached to the Assessment
of Compliance, to assess compliance with the Servicing Criteria applicable
to
the related Attesting Party;
(c) An
assessment by such officer of the related Attesting Party’s compliance with the
applicable Servicing Criteria for the period consisting of the preceding
calendar year, including disclosure of any material instance of noncompliance
with respect thereto during such period, which assessment shall be based
on the
activities such Attesting Party performs with respect to asset-backed securities
transactions taken as a whole involving the related Attesting Party, that
are
backed by the same asset type as the Mortgage Loans;
(d) A
statement that a registered public accounting firm has issued an attestation
report on the related Attesting Party’s Assessment of Compliance for the period
consisting of the preceding calendar year; and
(e) A
statement as to which of the Servicing Criteria, if any, are not applicable
to
such Attesting Party, which statement shall be based on the activities such
Attesting Party performs with respect to asset-backed securities transactions
taken as a whole involving such Attesting Party, that are backed by the same
asset type as the Mortgage Loans.
Such
report at a minimum shall address each of the Servicing Criteria specified
on
Exhibit P hereto which are indicated as applicable to the related Attesting
Party.
On
or
before March 15th of each calendar year beginning in 2007, each Attesting
Party
shall furnish to the Securities Administrator and the Depositor a report
(an
“Attestation Report”) by a registered public accounting firm that attests to,
and reports on, the Assessment of Compliance made by the related Attesting
Party, as required by Rules 13a-18 and 15d-18 of the Exchange Act and Item
1122(b) of Regulation AB, which Attestation Report must be made in accordance
with standards for attestation reports issued or adopted by the Public Company
Accounting Oversight Board.
Each
of
the Company, the Securities Administrator and the Master Servicer shall cause
any subservicer and each subcontractor determined by it to be “participating in
the servicing function” within the meaning of Item 1122 of Regulation AB, to
deliver to the Securities Administrator and the Depositor an Assessment of
Compliance and Attestation Report as and when provided above along with an
indication of what Servicing Criteria are addressed in such
assessment.
Such
Assessment of Compliance, as to any subservicer, shall at a minimum address
each
of the Servicing Criteria specified on Exhibit O hereto which are indicated
as
applicable to any “primary servicer.” The Securities Administrator shall confirm
that the assessments, taken as a whole, address all of the Servicing Criteria
and taken individually address the Servicing Criteria for each party as set
forth on Exhibit O and notify the Depositor of any exceptions. Notwithstanding
the foregoing, as to any subcontractor (as defined in the related servicing
agreement), an Assessment of Compliance is not required to be delivered unless
it is required as part of a Form 10-K with respect to the Trust
Fund.
Failure
of the Master Servicer or the Company, as applicable, to comply with this
Section 3.17 (including with respect to the timeframes required in this Section)
shall be deemed an Event of Default with respect to the Master Servicer and
a
Company Default with respect to the Company, and the Master Servicer or the
Trustee at the direction of the Depositor shall, in addition to whatever
rights
the Master Servicer or the Trustee, as applicable, may have under this Agreement
and at law or in equity or to damages, including injunctive relief and specific
performance, upon notice immediately terminate all the rights and obligations
of
the applicable party under this Agreement and in and to the Mortgage Loans
and
the proceeds thereof without compensating the applicable party for the same.
This paragraph shall supersede any other provision in this Agreement or any
other agreement to the contrary.
The
Securities Administrator shall also provide an Assessment of Compliance and
Attestation Report, as and when provided above, which shall at a minimum
address
each of the Servicing Criteria specified on Exhibit O hereto which are indicated
as applicable to the “securities administrator.” In addition, each Custodian
shall deliver to the Securities Administrator and the Depositor an Assessment
of
Compliance and Attestation Report, as and when provided above, which shall
at a
minimum address each of the Servicing Criteria specified on Exhibit O hereto
which are indicated as applicable to a “securities administrator: and
“custodian”, as the case may be. Notwithstanding the foregoing, as to the
Securities Administrator and any Custodian, an Assessment of Compliance is
not
required to be delivered unless it is required as part of a Form 10-K with
respect to the Trust Fund.
Section
3.18 Reports
Filed with Securities and Exchange Commission.
(a) (i)Within
15
days after each Distribution Date, the Securities Administrator shall, in
accordance with industry standards, prepare and file with the Commission
via the
Electronic Data Gathering and Retrieval System (“XXXXX”), a Form 10-D, signed by
the Master Servicer, with a copy of the Monthly Statement to be furnished
by the
Securities Administrator to the Certificateholders for such Distribution
Date;
provided that the Securities Administrator shall have received no later than
seven (7) calendar days after the related Distribution Date, all information
required to be provided to the Securities Administrator as described in clause
(a)(ii) below. Any disclosure in addition to the Monthly Statement that is
required to be included on Form 10-D (“Additional Form 10-D Disclosure”)
shall
be,
pursuant to the paragraph immediately below, reported by the parties set
forth
on Exhibit P and by the Trustee to the Securities Administrator and the
Depositor and approved by the Depositor, and the Securities Administrator
will
have no duty or liability for any failure hereunder to determine or prepare
any
Additional Form 10-D Disclosure absent such reporting (other than with respect
to when it is the reporting party as set forth in Exhibit P) and
approval.
(ii) (A)
Within seven (7) calendar days after the related Distribution Date, (i) the
parties set forth in Exhibit P and the Trustee shall be required to provide,
pursuant to section 3.18(a)(v) below, to the Securities Administrator and
the
Depositor, to the extent known by a responsible officer thereof, in
XXXXX-compatible format, or in such other form as otherwise agreed upon by
the
Securities Administrator and the Depositor and such party, the form and
substance of any Additional Form 10-D Disclosure, if applicable, and (ii)
the
Depositor will approve, as to form and substance, or disapprove, as the case
may
be, the inclusion of the Additional Form 10-D Disclosure on Form 10-D.
Subject
to the foregoing, the Securities Administrator has no duty under this Agreement
to monitor or enforce the performance by the other parties listed on Exhibit
P
or by the Trustee of their duties under this paragraph or to proactively
solicit
or procure from such parties any Additional Form 10-D Disclosure information.
The Depositor will be responsible for any reasonable out-of-pocket expenses
incurred by the Securities
Administrator in connection with including any Additional Form 10-D Disclosure
on Form 10-D pursuant to this Section.
After
preparing the Form 10-D, the Securities Administrator shall forward
electronically a draft copy of the Form 10-D to the Depositor and the Master
Servicer for review. No later than two (2) Business Days prior to the 15th
calendar day after the related Distribution Date, a duly authorized officer
of
the Master Servicer shall sign the Form 10-D and return an electronic or
fax
copy of such signed Form 10-D (with an original executed hard copy to follow
by
overnight mail) to the Securities Administrator. If a Form 10-D cannot be
filed
on time or if a previously filed Form 10-D needs to be amended, the Securities
Administrator will follow the procedures set forth in Section 3.18(a)(vi).
Promptly (but no later than one (1) Business Day) after filing with the
Commission, the Securities Administrator will make available on its internet
website identified in Section 6.06 a final executed copy of each Form 10-D.
The
signing party at the Master Servicer can be contacted as set forth in Section
12.05. Form
10-D
requires the registrant to indicate (by checking "yes" or "no") that it "(1)
has
filed all reports required to be filed by Section 13 or 15(d) of the Exchange
Act during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to
such
filing requirements for the past 90 days. The Depositor shall notify the
Securities Administrator in writing, no later than the fifth calendar day
after
the related Distribution Date with respect to the filing of a report on Form
10-D, if the answer to the questions should be "no." The Securities
Administrator shall be entitled to rely on the representations made by the
Depositor in Section 2.04(vi) in preparing, executing and/or filing any such
Form 10-D.
(B) The
parties to this Agreement acknowledge that the performance by the Securities
Administrator of its duties under Sections 3.18(a)(i) and (vi) related
to the
timely preparation and filing of Form 10-D is contingent upon such parties
strictly observing all applicable deadlines in the performance of their
duties
under such Sections. The parties to this Agreement acknowledge that the
performance by each of the Master Servicer and the Securities Administrator
of
its duties under this Section 3.18(a)(ii) related to the timely preparation,
execution and filing of Form 10-D is also contingent upon the Servicers,
the
Custodians and any subservicers or subcontractors strictly observing deadlines
no later than those set forth in this paragraph that are applicable to
the
parties to this Agreement in the delivery to the Securities Administrator
of any
necessary Additional Form 10-D Disclosure pursuant to the related Servicing
Agreements, Custodial Agreements or any other applicable agreement. The
Securities Administrator shall have no liability for any loss, expense,
damage,
claim arising out of or with respect to any failure to properly prepare
and/or
timely file such Form 10-D, where such failure results from the Securities
Administrator’s inability or failure to receive, on a timely basis, any
information from any other party hereto needed to prepare, arrange for
execution
or file such Form 10-D, not resulting from its own negligence, bad faith
or
willful misconduct.
(iii) (A)
Within four (4) Business Days after the occurrence of an event requiring
disclosure on Form 8-K (each such event, a “Reportable Event”), the Securities
Administrator shall prepare and file, at the direction of the Depositor,
on
behalf of the Trust any Form 8-K, as required by the Exchange Act; provided
that, the Depositor shall file the initial Form 8-K in connection with the
issuance of the Certificates. Any disclosure or information related to a
Reportable Event or that is otherwise required to be included on Form 8-K
(“Form
8-K Disclosure Information”) shall be, pursuant to the paragraph immediately
below, reported by the parties set forth on Exhibit P and by the Trustee
to the
Securities Administrator and the Depositor and approved by the Depositor,
and
the Securities Administrator will have no duty or liability for any failure
hereunder to determine or prepare any Additional Form 8-K Disclosure absent
such
reporting (other than with respect to when it is the reporting party as set
forth in Exhibit P) and approval.
(B) For
so
long as the Trust is subject to the Exchange Act reporting requirements,
no
later than 5 p.m. New York City time on the 2nd Business Day after the
occurrence of a Reportable Event (i) the parties set forth in Exhibit P and
the
Trustee shall be required pursuant to Section 3.18(a)(v) below to provide
to the
Securities Administrator and the Depositor, to the extent known by a responsible
officer thereof, in XXXXX-compatible format, or in such other form as otherwise
agreed upon by the Securities Administrator and the Depositor and such party,
the form and substance of any Form 8-K Disclosure Information, if applicable,
and (ii) the Depositor will approve, as to form and substance, or disapprove,
as
the case may be, the inclusion of the Form 8-K Disclosure Information on
Form
8-K. Subject to the foregoing, the Securities Administrator has no duty under
this Agreement to monitor or enforce the performance by the other parties
listed
on Exhibit P or by the Trustee of their duties under this paragraph or to
proactively solicit or procure from such parties any Form 8-K Disclosure
Information. The Depositor will be responsible for any reasonable out-of-pocket
expenses incurred by the Securities Administrator in connection with including
any Form 8-K Disclosure Information on Form 8-K pursuant to this Section.
(C) After
preparing the Form 8-K, the Securities Administrator shall forward
electronically a draft copy of the Form 8-K to the Depositor and the Master
Servicer for review. No later than the end of business New York City time
on the
3rd Business Day after the Reportable Event, a duly authorized officer of
the
Master Servicer shall sign the Form 8-K and return an electronic or fax copy
of
such signed Form 8-K (with an original executed hard copy to follow by overnight
mail) to the Securities Administrator. If a Form 8-K cannot be filed on time
or
if a previously filed Form 8-K needs to be amended, the Securities Administrator
will follow the procedures set forth in Section 3.18(a)(vi). Promptly (but
no
later than one (1) Business Day) after filing with the Commission, the
Securities Administrator will, make available on its internet website identified
in Section 6.06 a final executed copy of each Form 8-K. The signing party
at the
Master Servicer can be contacted as set forth in Section 12.05. The parties
to
this Agreement acknowledge that the performance by the Securities Administrator
of its duties under this Section 3.18(a)(iii) related to the timely preparation
and filing of Form 8-K is contingent upon such parties strictly observing
all
applicable deadlines in the performance of their duties under this Section
3.18(a)(iii). It is understood by the parties hereto that the performance
by
each of the Master Servicer and the Securities Administrator of its duties
under
this Section 3.18(a)(ii) related to the timely preparation, execution and
filing
of Form 8-K is also contingent upon the Servicers, the Custodians and any
subservicers or subcontractors strictly observing deadlines no later than
those
set forth in this paragraph that are applicable to the parties to this Agreement
in the delivery to the Securities Administrator of any necessary Form 8-K
Disclosure Information pursuant to the related Servicing Agreements, Custodial
Agreements or any other applicable agreement. The Securities Administrator
shall
have no liability for any loss, expense, damage, claim arising out of or
with
respect to any failure to properly prepare and/or timely file such Form 8-K,
where such failure results from the Securities Administrator’s inability or
failure to receive, on a timely basis, any information from any other party
hereto needed to prepare, arrange for execution or file such Form 8-K, not
resulting from its own negligence, bad faith or willful misconduct.
(iv) (A)
Within 90 days after the end of each fiscal year of the Trust or such earlier
date as may be required by the Exchange Act (the “10-K Filing Deadline”) (it
being understood that the fiscal year for the Trust ends on December 31st
of
each year), commencing in March 2007, the Securities Administrator shall
prepare
and file on behalf of the Trust a Form 10-K, in form and substance as required
by the Exchange Act. Each such Form 10-K shall include the following items,
in
each case to the extent they have been delivered to the Securities Administrator
within the applicable timeframes set forth in this Agreement, (I) an Annual
Statement of Compliance for the Master Servicer, the Securities Administrator,
the Company and any subservicer or subcontractor (to the extent Regulation
AB
requires the Annual Statement of Compliance of any such subservicer and
subcontractor to be attached to Form 10-K), as described under Section 3.16,
(II)(A) the annual reports on assessment of compliance with Servicing Criteria
for the Master Servicer, the Company, each subservicer and subcontractor
participating in the servicing function, the Securities Administrator and
the
Custodian, as described under Section 3.17, and (B) if the Master Servicer’s,
the Company’s, each subservicer’s and subcontractor’s the Securities
Administrator’s or the Custodian’s report on assessment of compliance with
servicing criteria described under Section 3.17 identifies any material instance
of noncompliance, disclosure identifying such instance of noncompliance,
or if
the Master Servicer’s, the Company’s, the subservicer’s, the subcontractor’s,
the Securities Administrator’s or the Custodian’s report on assessment of
compliance with Servicing Criteria described under Section 3.17 is not included
as an exhibit to such Form 10-K, disclosure that such report is not included
and
an explanation why such report is not included, (III)(A) the registered public
accounting firm attestation report for the Master Servicer, the subservicer,
the
subcontractor, the Company, the Securities Administrator and the Custodian,
as
described under Section 3.17, and (B) if any registered public accounting
firm
attestation report described under Section 3.17 identifies any material instance
of noncompliance, disclosure identifying such instance of noncompliance,
or if
any such registered public accounting firm attestation report is not included
as
an exhibit to such Form 10-K, disclosure that such report is not included
and an
explanation why such report is not included, and (IV) a Xxxxxxxx-Xxxxx
Certification (“Xxxxxxxx-Xxxxx Certification”) as described in this Section 3.18
(a)(iv)(D) below. Any disclosure or information in addition to (I) through
(IV)
above that is required to be included on Form 10-K (“Additional Form 10-K
Disclosure”) shall be, pursuant to the paragraph immediately below, reported by
the parties set forth on Exhibit P and by the Trustee to the Securities
Administrator and the Depositor and approved by the Depositor, and the
Securities Administrator will have no duty or liability for any failure
hereunder to determine or prepare any Additional Form 10-K Disclosure absent
such reporting (other than with respect to when it is the reporting party
as set
forth in Exhibit P) and approval.
(B) No
later
than March 15th of each year that the Trust is subject to the Exchange Act
reporting requirements, commencing in 2007, (i) the parties set forth in
Exhibit
P and the Trustee shall be required to provide pursuant to Section 3.18(a)(v)
below to the Securities Administrator and the Depositor, to the extent known,
in
XXXXX-compatible format, or in such other form as otherwise agreed upon by
the
Securities Administrator and the Depositor and such party, the form and
substance of any Additional Form 10-K Disclosure, if applicable, and (ii)
the
Depositor will approve, as to form and substance, or disapprove, as the case
may
be, the inclusion of the Additional Form 10-K Disclosure on Form 10-K. Subject
to the foregoing, the Securities Administrator has no duty under this Agreement
to monitor or enforce the performance by the other parties listed on Exhibit
P
and the Trustee of their duties under this paragraph or to proactively solicit
or procure from such parties any Additional Form 10-K Disclosure information.
The Depositor will be responsible for any reasonable out-of-pocket expenses
incurred by the Securities Administrator in connection with including any
Additional Form 10-K Disclosure on Form 10-K pursuant to this
Section.
(C) After
preparing the Form 10-K, the Securities Administrator shall forward
electronically a draft copy of the Form 10-K to the Depositor and the Master
Servicer for review. Form 10-K requires the registrant to indicate (by checking
"yes" or "no") that it (1) has filed all reports required to be filed by
Section
13 or 15(d) of the Exchange Act during the preceding 12 months (or for such
shorter period that the registrant was required to file such reports), and
(2)
has been subject to such filing requirements for the past 90 days. The Depositor
shall notify the Securities Administrator in writing, no later than the 15th
calendar day of March in any year in which the Trust is subject to the reporting
requirements of the Exchange Act, if the answer to the questions should be
"no."
The Securities Administrator shall be entitled to rely on the
representations made by the Depositor in Section 2.04(vi) in preparing,
executing and/or filing any such Form 10-K. No later than 12:00 p.m. New
York
City time on the 4th Business Day prior to the 10-K Filing Deadline, a senior
officer of the Master Servicer in charge of the master servicing function
shall
sign the Form 10-K and return an electronic or fax copy of such signed Form
10-K
(with an original executed hard copy to follow by overnight mail) to the
Securities Administrator. If a Form 10-K cannot be filed on time or if a
previously filed Form 10-K needs to be amended, the Securities Administrator
will follow the procedures set forth in Section 3.18(a)(vi). Promptly (but
no
later than one (1) Business Day) after filing with the Commission, the
Securities Administrator will make available on its internet website identified
in Section 6.06 a final executed copy of each Form 10-K. The signing party
at
the Master Servicer can be contacted as set forth in Section 12.05. The parties
to this Agreement acknowledge that the performance by the Securities
Administrator of its duties under Sections 3.18(a)(iv) related to the timely
preparation and filing of Form 10-K is contingent upon such parties strictly
observing all applicable deadlines in the performance of their duties under
such
Sections and Section 3.16 and Section 3.17. It is understood by the parties
hereto that the performance by the Master Servicer and the Securities
Administrator of its duties under this Section 3.18(a)(iv) related to the
timely
preparation, execution and filing of Form 10-K is also contingent upon the
Servicers, the Custodians and any subservicer or subcontractor strictly
observing deadlines no later than those set forth in this paragraph that
are
applicable to the parties to this Agreement in the delivery to the Securities
Administrator of any necessary Additional Form 10-K Disclosure, any annual
statement of compliance and any assessment of compliance and attestation
pursuant to the related Servicing Agreements, the Custodial Agreements or
any
other applicable agreement. The Securities Administrator shall have no liability
for any loss, expense, damage, claim arising out of or with respect to any
failure to properly prepare and/or timely file such Form 10-K, where such
failure results from the Securities Administrator’s inability or failure to
receive, on a timely basis, any information from any other party hereto needed
to prepare, arrange for execution or file such Form 10-K, not resulting from
its
own negligence, bad faith or willful misconduct.
(D) Each
Form
10-K shall include a certification (the “Xxxxxxxx-Xxxxx Certification”) required
to be included therewith pursuant to the Xxxxxxxx-Xxxxx Act. The Securities
Administrator and the Company shall, and each such party shall cause any
subservicer or subcontractor engaged by it to, provide to the Person who
signs
the Xxxxxxxx-Xxxxx Certification (the “Certifying Person”), by March 15 of each
year in which the Trust is subject to the reporting requirements of the Exchange
Act and otherwise within a reasonable period of time upon request, a
certification (a “Back-Up Certification”), in the form attached hereto as
Exhibit M upon which the Certifying Person, the entity for which the Certifying
Person acts as an officer, and such entity’s officers, directors and Affiliates
(collectively with the Certifying Person, “Certification Parties”) can
reasonably rely; provided, however, that the Securities Administrator and
the
Company shall not be required to undertake an analysis of any accountant’s
report attached as an exhibit to the Form 10-K. The senior officer of the
Master
Servicer in charge of the master servicing function shall serve as the
Certifying Person on behalf of the Trust. Such officer of the Certifying
Person
can be contacted as set forth in Section 12.05. In the event the Securities
Administrator is terminated or resigns pursuant to the terms of this Agreement,
the Securities Administrator shall provide a Back-Up Certification to the
Certifying Person pursuant to this Section 3.18(a)(iv) with respect to the
period of time it was subject to this Agreement. Notwithstanding the foregoing,
(i) the Master Servicer and the Securities Administrator shall not be required
to deliver a Back-Up Certification to each other if both are the same Person
and
the Master Servicer is the Certifying Person and (ii) the Master Servicer
shall
not be obligated to sign the Xxxxxxxx-Xxxxx Certification in the event that
it
does not receive any Back-Up Certification required to be furnished to it
pursuant to this section or any Servicing Agreement or Custodial
Agreement.
(v) With
respect to any Additional Form 10-D Disclosure, Additional Form 10-K Disclosure
or any Form 8-K Disclosure Information (collectively, the “Additional
Disclosure”) relating to the Trust Fund in the form attached hereto as Exhibit
Q, the Securities Administrator’s obligation to include such Additional
Information in the applicable Exchange Act report is subject to receipt from
the
entity that is indicated in Exhibit P as the responsible party for providing
that information, if other than the Securities Administrator, as and when
required as described in Section 3.18(a)(i) through (iv) above. Each of the
Master Servicer, Custodian, Sponsor, Company and the Depositor hereby agree
to
notify and provide to the extent known to the Securities Administrator and
the
Depositor all Additional Disclosure relating to the Trust Fund, with respect
to
which such party is indicated in Exhibit P as the responsible party for
providing that information. Within
five Business Days of each Distribution Date of each year that the Trust
is
subject to the Exchange Act reporting requirements, the Depositor shall make
available to the Securities Administrator the related Significance Estimate
and
the Securities Administrator shall use such information to calculate the
related
Significance Percentage. If the Significance Percentage meets either of the
threshold levels detailed in Item 1115(b)(1) or 1115(b)(2) of Regulation
AB, the
Securities Administrator shall deliver written notification to the Depositor
and
the Swap Provider to that effect. The
Securities Administrator shall request and the Depositor shall obtain from
the
Swap Provider any information required under Regulation AB to the extent
required under the Swap Agreement. The Depositor will be obligated pursuant
to
the Swap Agreement to provide to the Securities Administrator any information
that may be required to be included in any Form 10-D, Form 8-K or Form 10-K
or
written notification instructing the Securities Administrator that such
Additional Disclosure regarding the Swap Provider is not necessary for such
Distribution Date.
So
long
as the Depositor is subject to the filing requirements of the Exchange Act
with
respect to the Trust Fund, the Trustee shall notify the Securities Administrator
and the Depositor of any bankruptcy or receivership with respect to the Trustee
or of any proceedings of the type described under Item 1117 of Regulation
AB
that have occurred as of the end of the related Due Period, together with
a
description thereof, no later than the date on which such information is
required to be reported to the Securities Administrator and the Depositor
by the
other parties hereto as set forth under this Section 3.18. In addition, the
Trustee shall notify the Securities Administrator and the Depositor of (i)
any
affiliations or relationships that develop after the Closing Date between
the
Trustee and the Depositor, the Sponsor, the Securities Administrator, the
Master
Servicer or the Custodian of the type described under Item 1119 of Regulation
AB, and (ii) the occurrence of an Event of Default (with respect to the Master
Servicer) actually known to a Responsible Officer of the Trustee together,
in
each case, with a description thereof, no later than the date on which such
information is required to be reported to the Securities Administrator and
The Depositor by the other parties hereto as set forth under this Section
3.18. Any notice required to be given by the Trustee to the Securities
Administrator and the Depositor pursuant to this paragraph shall be accompanied
by an Additional Disclosure Notification form attached hereto as Exhibit
Q and
shall be submitted in XXXXX-compatible format. Should
the identification of any of the Depositor, the Sponsor, the Securities
Administrator, the Master Servicer or the Custodian change, the Depositor
shall
promptly notify the Trustee.
(vi) (A)
On or
prior to January 30 of the first year in which the Securities Administrator
is
able to do so under applicable law, the Securities Administrator shall prepare
and file a Form 15 relating to the automatic suspension of reporting in respect
of the Trust under the Exchange Act.
(B) In
the
event that the Securities Administrator is unable to timely file with the
Commission all or any required portion of any Form 8-K, 10-D or 10-K required
to
be filed by this Agreement because required disclosure information was either
not delivered to it or delivered to it after the delivery deadlines set forth
in
this Agreement or for any other reason, the Securities Administrator will
promptly notify the Depositor and the Master Servicer. In the case of Form
10-D
and 10-K, the parties hereto will cooperate to prepare and file a Form 12b-25
and a 10-D/A and 10-K/A as applicable, pursuant to Rule 12b-25 of the Exchange
Act. In the case of Form 8-K, the Securities Administrator will, upon receipt
of
all required Form 8-K Disclosure Information and upon the approval and direction
of the Depositor, include such disclosure information on the next Form 10-D.
In
the event that any previously filed Form 8-K, 10-D or 10-K needs to be amended,
the Securities Administrator will notify the Depositor and the Master Servicer
and the parties hereto will cooperate to prepare any necessary 8-K/A, 10-D/A
or
10-K/A. Any Form 15, Form 12b-25 or any amendment to Form 8-K, Form 10-D
or Form
10-K shall be signed by the appropriate officer of the Master Servicer. The
parties hereto acknowledge that the performance by the Securities Administrator
of its duties under this Section 3.18(a)(vi) related to the timely preparation
and filing of Form 15, a Form 12b-25 or any amendment to Form 8-K, Form 10-D
or
Form 10-K is contingent upon such parties performing their duties under this
Section. The Securities Administrator shall have no liability for any loss,
expense, damage, claim arising out of or with respect to any failure to properly
prepare and/or timely file any such Form 15, Form 12b-25 or any amendments
to
Form 8-K, Form 10-D or Form 10-K, where such failure results from the Securities
Administrator’s inability or failure to receive, on a timely basis, any
information from any other party hereto needed to prepare, arrange for execution
or file such Form 15, Form 12b-25 or any amendments to Forms 8-K, Form 10-D
or
Form 10-K, not resulting from its own negligence, bad faith or willful
misconduct.
The
parties hereto agree to promptly furnish to the Securities Administrator,
from
time to time upon request, such further information, reports and financial
statements within its control or possession related to this Agreement and
the
Mortgage Loans as the Securities Administrator reasonably deems appropriate
to
prepare and file all necessary reports with the Commission. The Securities
Administrator shall have no responsibility to file any items other than those
specified in this Section 3.18; provided, however, the Securities Administrator
shall cooperate with the Depositor in connection with any additional filings
with respect to the Trust Fund as the Depositor deems necessary under the
Exchange Act. Copies of all reports filed by the Securities Administrator
under
the Exchange Act shall be sent to: the Depositor c/o Bear, Xxxxxxx & Co.
Inc., Attn: Managing Director Analysis and Control, Xxx Xxxxxxxxx Xxxxxx
Xxxxx,
Xxxxxxxx, Xxx Xxxx 00000-0000. Fees and expenses incurred by the Securities
Administrator in connection with this Section 3.18 shall not be reimbursable
from the Trust Fund. The Depositor shall be responsible for any reasonable
fees
and expenses assessed or incurred by the Securities Administrator to the
extent
set forth in this Section 3.18.
(b) The
Securities Administrator shall indemnify and hold harmless each of the Company,
the Depositor and the Master Servicer and their officers, directors and
affiliates from and against any losses, damages, penalties, fines, forfeitures,
reasonable and necessary legal fees and related costs, judgments and other
costs
and expenses arising out of or based upon a breach of the Securities
Administrator’s obligations under Sections 3.16, 3.17 and 3.18 or the Securities
Administrator’s negligence, bad faith or willful misconduct in connection
therewith. In addition, the Securities Administrator shall indemnify and
hold
harmless the Depositor and the Master Servicer (if the Master Servicer is
unaffiliated with the Securities Administrator) and each of their officers,
directors and affiliates from and against any losses, damages, penalties,
fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments
and other costs and expenses arising out of or based upon (i) any untrue
statement or alleged untrue statement of any material fact contained in any
Back-Up Certification, the Annual Statement of Compliance, the Assessment
of
Compliance, any Additional Disclosure or other information provided by the
Securities Administrator pursuant to Section 3.16, 3.17 and 3.18 (the
“Securities Administrator Information”), or (ii) the omission or alleged
omission to state therein a material fact required to be stated therein or
necessary to make the statements therein, in light of the circumstances in
which
they were made, not misleading; provided, by way of clarification, that clause
(ii) of this paragraph shall be construed solely by reference to the Securities
Administrator Information and not to any other information communicated in
connection with the Certificates, without regard to whether the Securities
Administrator Information or any portion thereof is presented together with
or
separately from such other information.
The
Depositor shall indemnify and hold harmless each of the Company, the Securities
Administrator and the Master Servicer and their officers, directors and
affiliates from and against any losses, damages, penalties, fines, forfeitures,
reasonable and necessary legal fees and related costs, judgments and other
costs
and expenses arising out of or based upon a breach of the obligations of
the
Depositor under Sections 3.16, 3.17 and 3.18 or the Depositor’s negligence, bad
faith or willful misconduct in connection therewith.
The
Master Servicer shall indemnify and hold harmless each of the Company, the
Securities Administrator and the Depositor and their respective officers,
directors and affiliates from and against any losses, damages, penalties,
fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments
and other costs and expenses arising out of or based upon a breach of the
obligations of the Master Servicer under Sections 3.16, 3.17 and 3.18 or
the
Master Servicer’s negligence, bad faith or willful misconduct in connection
therewith. In addition, the Master Servicer shall indemnify and hold harmless
each of the Depositor and each of its officers, directors and affiliates
from
and against any losses, damages, penalties, fines, forfeitures, reasonable
and
necessary legal fees and related costs, judgments and other costs and expenses
arising out of or based upon (i) any untrue statement or alleged untrue
statement of any material fact contained in any Annual Statement of Compliance,
any Assessment of Compliance, any Attestation Report, any Additional Disclosure
or other information provided by the Master Servicer pursuant to Section
3.16,
3.17 and 3.18 (the “Master Servicer Information”), or (ii) the omission or
alleged omission to state therein a material fact required to be stated therein
or necessary to make the statements therein, in light of the circumstances
in
which they were made, not misleading; provided, by way of clarification,
that
clause (ii) of this paragraph shall be construed solely by reference to the
Master Servicer Information and not to any other information communicated
in
connection with the Certificates, without regard to whether the Master Servicer
Information or any portion thereof is presented together with or separately
from
such other information.
The
Company shall indemnify and hold harmless each of the Depositor, the Securities
Administrator and the Master Servicer and their respective officers, directors
and affiliates from and against any losses, damages, penalties, fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments
and other costs and expenses arising out of or based upon a breach of the
obligations of the Company under Sections 3.16, 3.17 and 3.18 or the Company’s
negligence, bad faith or willful misconduct in connection therewith. In
addition, the Company shall indemnify and hold harmless each of the Depositor
and their officers, directors and affiliates and the Securities Administrator
and the Master Servicer and their officers, directors and affiliates from
and
against any losses, damages, penalties, fines, forfeitures, reasonable and
necessary legal fees and related costs, judgments and other costs and expenses
arising out of or based upon (i) any untrue statement or alleged untrue
statement of any material fact contained in any Back-Up Certification, the
Annual Statement of Compliance, the Assessment of Compliance, any Attestation
Report, any Additional Disclosure or other information provided by or on
behalf
of the Company or on behalf of any subservicer or subcontractor of the Company
pursuant to Section 3.16, 3.17 and 3.18 (the “Company Information”), or (ii) the
omission or alleged omission to state therein a material fact required to
be
stated therein or necessary to make the statements therein, in light of the
circumstances in which they were made, not misleading; provided, by way of
clarification, that clause (ii) of this paragraph shall be construed solely
by
reference to the Company Information and not to any other information
communicated in connection with the Certificates, without regard to whether
the
Company Information or any portion thereof is presented together with or
separately from such other information.
If
the
indemnification provided for herein is unavailable or insufficient to hold
harmless the Depositor, the Securities Administrator or the Master Servicer,
as
applicable, then the defaulting party, in connection with any conduct for
which
it is providing indemnification for under this Section 3.18(b), agrees that
it
shall contribute to the amount paid or payable by the other parties as a
result
of the losses, claims, damages or liabilities of the other party in such
proportion as is appropriate to reflect the relative fault and the relative
benefit of the respective parties.
The
indemnification provisions set forth in this Section 3.18(b) shall survive
the
termination of this Agreement or the termination of any party to this
Agreement.
(c) Nothing
shall be construed from the foregoing subsections (a) and (b) to require
the
Securities Administrator or any officer, director or Affiliate thereof to
sign
any Form 10-K or any certification contained therein. Furthermore, the inability
of the Securities Administrator to file a Form 10-K as a result of the lack
of
required information as set forth in Section 3.18(a) or required signatures
on
such Form 10-K or any certification contained therein shall not be regarded
as a
breach by the Securities Administrator or any obligation under this
Agreement.
(d) Notwithstanding
the provisions of Section 11.01, this Section 3.18 may be amended without
the
consent of the Certificateholders.
(e) Any
report, notice or notification to be delivered by the Company, the Master
Servicer or the Securities Administrator to the Depositor pursuant to this
Section 3.18, may be delivered via facsimile to Reg AB Compliance Manager,
via
email to XxxXXXxxxxxxxxxxxx@xxxx.xxx or, in the case of a notification,
telephonically by calling Reg AB Compliance Manager at
000-000-0000.
Section
3.19 Intention
of the Parties and Interpretation.
Each
of
the parties acknowledges and agrees that the purpose of Sections 3.16, 3.17
and
3.18 of this Agreement is to facilitate compliance by the Sponsor, the
Depositor, the Master Servicer and the Securities Administrator with the
provisions of Regulation AB promulgated by the SEC under the 1934 Act (17
C.F.R.
§§ 229.1100 - 229.1123), as such may be amended from time to time and subject
to
clarification and interpretive advice as may be issued by the staff of the
SEC
from time to time. Therefore, each of the parties agrees that (a) the
obligations of the parties hereunder shall be interpreted in such a manner
as to
accomplish that purpose, (b) the parties’ obligations hereunder will be
supplemented and modified as necessary to be consistent with any such
amendments, interpretive advice or guidance, convention or consensus among
active participants in the asset-backed securities markets, advice of counsel,
or otherwise in respect of the requirements of Regulation AB, (c) the parties
shall comply with requests made by the Sponsor or the Depositor for delivery
of
additional or different information as the Securities Administrator, the
Master
Servicer, the Sponsor or the Depositor may determine in good faith is necessary
to comply with the provisions of Regulation AB, and (d) no amendment of this
Agreement shall be required to effect any such changes in the parties’
obligations as are necessary to accommodate evolving interpretations of the
provisions of Regulation AB.
ARTICLE
IV
MASTER
SERVICING OF MORTGAGE LOANS BY MASTER SERVICER
Section
4.01 Master
Servicer.
The
Master Servicer shall, beginning on the Closing Date, supervise, monitor
and
oversee the obligation of the Company and the related Servicer to service
and
administer their respective Mortgage Loans in accordance with the terms of
this
Agreement and the related Servicing Agreement, respectively and shall have
full
power and authority to do any and all things which it may deem necessary
or
desirable in connection with such master servicing. In performing its
obligations hereunder, the Master Servicer shall act in a manner consistent
with
Accepted Master Servicing Practices. Furthermore, the Master Servicer shall
oversee and consult with the Company and the related Servicer as necessary
from
time-to-time to carry out the Master Servicer’s obligations hereunder, shall
receive and review certain reports, information and other data provided to
the
Master Servicer by the Company and the related Servicer and shall enforce
the
obligations, conditions and covenants of the Company and related Servicer
to the
extent set forth in this Agreement and the related Servicing Agreement,
respectively. The Master Servicer shall monitor the Company and the related
Servicer’s servicing activities with respect to each related Mortgage Loan,
reconcile the results of such monitoring with such information described
in the
previous sentence and received by the Master Servicer on a monthly basis
and
coordinate corrective adjustments to the Company’s, the Servicer’s and Master
Servicer’s records, and based on such reconciled and corrected information, the
Master Servicer shall provide such information to the Securities Administrator
as shall be necessary in order for it to prepare the statements specified
in
Section 6.06 and any other information and statements required hereunder.
The
Master Servicer shall reconcile the results of its Mortgage Loan monitoring
with
the actual remittances of the Company and each Servicer pursuant to this
Agreement and the related Servicing Agreement, respectively. The Master Servicer
shall be entitled to conclusively rely on the Mortgage Loan data provided
by the
Company and the related Servicer and shall have no liability for any errors
in
such Mortgage Loan data.
The
Master Servicer, the Trustee and the Securities Administrator shall provide
access to the records and documentation in possession of the Master Servicer,
the Trustee or the Securities Administrator regarding the related Mortgage
Loans
and REO Property to the Certificateholders, the FDIC, and the supervisory
agents
and examiners of the FDIC, such access being afforded only upon reasonable
prior
written request and during normal business hours at the office of the Master
Servicer, the Trustee or the Securities Administrator; provided, however,
that,
unless otherwise required by law, neither the Master Servicer, the Trustee
nor
the Securities Administrator shall be required to provide access to such
records
and documentation if the provision thereof would violate the legal right
to
privacy of any Mortgagor. The Master Servicer, the Trustee and the Securities
Administrator shall allow representatives of the above entities to photocopy
any
of the records and documentation and shall provide equipment for that purpose
at
a charge that covers the Master Servicer’s, the Trustee’s or the Securities
Administrator’s actual costs.
The
Trustee shall execute and deliver to the Company, the related Servicer or
the
Master Servicer, as applicable, any court pleadings, requests for trustee’s sale
or other documents necessary or desirable to (i) the foreclosure or trustee’s
sale with respect to a Mortgaged Property; (ii) any legal action brought
to
obtain judgment against any Mortgagor on the Mortgage Note or security
instrument; (iii) obtain a deficiency judgment against the Mortgagor; or
(iv)
enforce any other rights or remedies provided by the Mortgage Note or security
instrument or otherwise available at law or equity.
Section
4.02 Monitoring
of
Company and Servicer.
(a) In
the
review of the Company’s and the related Servicer’s activities, the Master
Servicer may rely upon an Officer’s Certificate of the Company and the related
Servicer with regard to such Person’s compliance with the terms of this
Agreement or the related Servicing Agreement; provided that no such reliance
will relieve the Master Servicer of its obligations pursuant to this Agreement.
In the event that the Master Servicer, in its judgment, determines that the
Company or the related Servicer should be terminated in accordance with this
Agreement or the related Servicing Agreement, or that a notice should be
sent
pursuant to this Agreement or the related Servicing Agreement with respect
to
the occurrence of an event that, unless cured, would constitute grounds for
such
termination, the Master Servicer shall notify the Sponsor and the Trustee
thereof and the Master Servicer shall issue such notice or take such other
action as it deems appropriate.
(b) The
Master Servicer, for the benefit of the Trustee and the Certificateholders,
shall enforce the obligations of the Company under this Agreement and of
the
related Servicer under the related Servicing Agreement, and shall, in the
event
that the Company or the related Servicer fails to perform its obligations
in
accordance with this Agreement or the related Servicing Agreement, subject
to
the preceding paragraph, terminate the rights and obligations of such Person
thereunder and act as servicer of the related Mortgage Loans or to instruct
the
Trustee to enter into a new Servicing Agreement with a successor Servicer
selected by the Master Servicer; provided, however, it is understood and
acknowledged by the parties hereto that there shall be a period of transition
(not to exceed 90 days) before the actual servicing functions can be fully
transferred to such successor Servicer; provided further, if the Servicer
or the
Company has failed to advance or failed to make a payment so that the Master
Servicer has had to advance its own funds, then the Master Servicer may
terminate the Servicer or the Company. Such enforcement, including, without
limitation, the legal prosecution of claims, termination of the related
Servicing Agreement and the pursuit of other appropriate remedies, shall
be in
such form and carried out to such an extent and at such time as the Master
Servicer, in its good faith business judgment, would require were it the
owner
of the related Mortgage Loans. The Master Servicer shall pay the costs of
such
enforcement at its own expense, subject to its right of reimbursement pursuant
to the provisions of this Agreement or the related Servicing Agreement, provided
that the Master Servicer shall not be required to prosecute or defend any
legal
action except to the extent that the Master Servicer shall have received
reasonable indemnity for its costs and expenses in pursuing such
action.
(c) To
the
extent that the costs and expenses of the Master Servicer related to any
termination of the Company or the related Servicer, appointment of a successor
Servicer or the transfer and assumption of servicing by the Master Servicer
with
respect to this Agreement or the related Servicing Agreement (including,
without
limitation, (i) all legal costs and expenses and all due diligence costs
and
expenses associated with an evaluation of the potential termination of the
Company or the related Servicer as a result of an alleged or actual breach
of
contract or an event of default by such Person and (ii) all costs and expenses
associated with the complete transfer of servicing, including all servicing
files and all servicing data and the completion, correction or manipulation
of
such servicing data as may be required by the successor servicer to correct
any
errors or insufficiencies in the servicing data or otherwise to enable the
successor servicer to service the Mortgage Loans in accordance with this
Agreement or the related Servicing Agreement) are not fully and timely
reimbursed by the Company or the terminated Servicer, the Master Servicer
shall
be entitled to reimbursement of such costs and expenses from the Master Servicer
Collection Account.
(d) The
Master Servicer shall require the Company and the related Servicer to comply
with the remittance requirements and other obligations set forth in this
Agreement or the related Servicing Agreement, as applicable.
(e) If
the
Master Servicer acts as a servicer, it will not assume liability for the
representations and warranties of the Company or the related Servicer, if
any,
that it replaces.
Section
4.03 Fidelity
Bond.
The
Master Servicer, at its expense, shall (i) maintain in effect a blanket fidelity
bond and an errors and omissions insurance policy, affording coverage with
respect to all directors, officers, employees and other Persons acting on
such
Master Servicer’s behalf, and covering errors and omissions in the performance
of the Master Servicer’s obligations hereunder or (ii) self insure if LaSalle
maintains with any Rating Agency the equivalent of a long term unsecured
debt
rating of “A”. The errors and omissions insurance policy and the fidelity bond
referred to in (i) above shall be in such form and amount generally acceptable
for entities serving as master servicers.
Section
4.04 Power
to Act;
Procedures.
The
Master Servicer shall master service the Mortgage Loans and shall have full
power and authority, subject to the REMIC Provisions and the provisions of
Article XI hereof, to do any and all things that it may deem necessary or
desirable in connection with the master servicing and administration of the
Mortgage Loans, including but not limited to the power and authority (i)
to
execute and deliver, on behalf of the Certificateholders, the Trustee and
the
Securities Administrator, customary consents or waivers and other instruments
and documents, (ii) to consent to transfers of any Mortgaged Property and
assumptions of the Mortgage Notes and related Mortgages, (iii) to collect
any
Insurance Proceeds and Liquidation Proceeds, and (iv) to effectuate foreclosure
or other conversion of the ownership of the Mortgaged Property securing any
Mortgage Loan, in each case, in accordance with the provisions of this Agreement
and the related Servicing Agreement, as applicable; provided, however, that
the
Master Servicer shall not (and, consistent with its responsibilities under
Section 4.02, shall not permit the Company or the related Servicer to) knowingly
or intentionally take any action, or fail to take (or fail to cause to be
taken)
any action reasonably within its control and the scope of duties more
specifically set forth herein, that, under the REMIC Provisions, if taken
or not
taken, as the case may be, would cause REMIC I, REMIC II, REMIC III, REMIC
IV,
REMIC V, REMIC VI, REMIC VII or REMIC VIII to fail to qualify as a REMIC
or
result in the imposition of a tax upon the Trust Fund (including but not
limited
to the tax on prohibited transactions as defined in Section 860F(a)(2) of
the
Code and the tax on contributions to a REMIC set forth in Section 860G(d)
of the
Code) unless the Master Servicer has received an Opinion of Counsel (but
not at
the expense of the Master Servicer) to the effect that the contemplated action
will not cause REMIC I, REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI,
REMIC
VII or REMIC VIII to fail to qualify as a REMIC or result in the imposition
of a
tax upon REMIC I, REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC
VII or
REMIC VIII, as the case may be.
The
Trustee shall execute and deliver such other documents, as the Master Servicer
may request, to enable the Master Servicer to master service and administer
the
Mortgage Loans and carry out its duties hereunder, in each case in accordance
with Accepted Master Servicing Practices (and the Trustee shall have no
liability for misuse of any such powers of attorney by the Master Servicer,
the
Company or the related Servicer). If the Master Servicer or the Trustee has
been
advised that it is likely that the laws of the state in which action is to
be
taken prohibit such action if taken in the name of the Trustee or that the
Trustee would be adversely affected under the “doing business” or tax laws of
such state if such action is taken in its name, the Master Servicer shall
join
with the Trustee in the appointment of a co-trustee pursuant to Section 10.11
hereof. In the performance of its duties hereunder, the Master Servicer shall
be
an independent contractor and shall not, except in those instances where
it is
taking action in the name of the Trustee, be deemed to be the agent of the
Trustee.
Section
4.05 Due-on-Sale
Clauses;
Assumption Agreements.
To
the
extent provided in this Agreement or the related Servicing Agreement, to
the
extent Mortgage Loans contain enforceable due-on-sale clauses, the Master
Servicer shall enforce
the obligation of
the
Company and the related Servicer to enforce such clauses in accordance with
this
Agreement or the related Servicing Agreement. If applicable law prohibits
the
enforcement of a due-on-sale clause or such clause is otherwise not enforced
in
accordance with this Agreement or the related Servicing Agreement, and, as
a
consequence, a Mortgage Loan is assumed, the original Mortgagor may be released
from liability in accordance with this Agreement or the related Servicing
Agreement.
Section
4.06 Documents,
Records
and Funds in Possession of Master Servicer, Company and Servicer To Be Held
for
Trustee.
(a) The
Master Servicer shall transmit and the Company or the related Servicer (to
the
extent required by this Agreement or the related Servicing Agreement) shall
transmit to the Trustee or Custodian such documents and instruments coming
into
the possession of such Person from time to time as are required by the terms
hereof, or in the case of the related Servicer, the related Servicing Agreement,
to be delivered to the Trustee or Custodian. Any funds received by the Master
Servicer, the Company or by the related Servicer in respect of any Mortgage
Loan
or which otherwise are collected by the Master Servicer, the Company or by
the
related Servicer as Liquidation Proceeds or Insurance Proceeds in respect
of any
Mortgage Loan shall be held for the benefit of the Trustee and the
Certificateholders subject to the Master Servicer’s right to retain or withdraw
from the Master Servicer Collection Account, the Master Servicing Compensation
and other amounts provided in this Agreement, and to the right of the Company
and the related Servicer to retain its Servicing Fee and other amounts as
provided in this Agreement or the related Servicing Agreement. The Master
Servicer shall, and (to the extent provided in this Agreement or the related
Servicing Agreement) shall enforce the obligation of the Company and the
related
Servicer to, provide access to information and documentation regarding the
Mortgage Loans to the Trustee, and their respective agents and accountants
at
any time upon reasonable request and during normal business hours, and to
Certificateholders that are savings and loan associations, banks or insurance
companies, the Office of Thrift Supervision, the FDIC and the supervisory
agents
and examiners of such Office and Corporation or examiners of any other federal
or state banking or insurance regulatory authority if so required by applicable
regulations of the Office of Thrift Supervision or other regulatory authority,
such access to be afforded without charge but only upon reasonable request
in
writing and during normal business hours at the offices of the Master Servicer
designated by it. In fulfilling such a request the Master Servicer shall
not be
responsible for determining the sufficiency of such information.
(b) All
Mortgage Files and funds collected or held by, or under the control of, the
Master Servicer, in respect of any Mortgage Loans, whether from the collection
of principal and interest payments or from Liquidation Proceeds or Insurance
Proceeds, shall be held by the Master Servicer for and on behalf of the Trustee
and the Certificateholders and shall be and remain the sole and exclusive
property of the Trustee; provided, however, that the Master Servicer, the
Company and the related Servicer shall be entitled to setoff against, and
deduct
from, any such funds any amounts that are properly due and payable to the
Master
Servicer or such Servicer under this Agreement or the related Servicing
Agreement.
Section
4.07 Presentment
of
Claims and Collection of Proceeds.
The
Master Servicer shall (to the extent provided in this Agreement and the
Servicing Agreement) enforce the obligation of the Company or the related
Servicer to, prepare and present on behalf of the Trustee and the
Certificateholders all claims under the Insurance Policies and take such
actions
(including the negotiation, settlement, compromise or enforcement of the
insured’s claim) as shall be necessary to realize recovery under such policies.
Any proceeds disbursed to the Master Servicer (or disbursed to the Company
or
the related Servicer and remitted to the Master Servicer) in respect of such
policies, bonds or contracts shall be promptly deposited in the Master Servicer
Collection Account upon receipt, except that any amounts realized that are
to be
applied to the repair or restoration of the related Mortgaged Property as
a
condition precedent to the presentation of claims on the related Mortgage
Loan
to the insurer under any applicable Insurance Policy need not be so deposited
(or remitted).
Section
4.08 Realization
Upon
Defaulted Mortgage Loans.
The
Master Servicer shall enforce any obligation of the Company and the related
Servicer (to the extent set forth under this Agreement and the related Servicing
Agreement, as applicable) to foreclose upon, repossess or otherwise comparably
convert the ownership of Mortgaged Properties securing such of the Mortgage
Loans as come into and continue in default and as to which no satisfactory
arrangements can be made for collection of delinquent payments, all in
accordance with this Agreement or the related Servicing Agreement, as
applicable.
Section
4.09 Compensation
of the
Master Servicer.
The
Master Servicer shall be entitled to the Master Servicing Fee on each
Distribution Date as compensation for the performance of its obligations
hereunder. The Master Servicer shall be required to pay all expenses incurred
by
it in connection with its activities hereunder and shall not be entitled
to
reimbursement therefor except as provided in this Agreement.
Section
4.10 REO
Property.
(a) In
the
event the Trust Fund acquires ownership of any REO Property in respect of
any
related Mortgage Loan, the deed or certificate of sale shall be issued to
the
Trustee, or to its nominee, on behalf of the related Certificateholders.
The
Master Servicer shall, to the extent provided in this Agreement and the
Servicing Agreements, as applicable, cause the Company and the related Servicer
to sell any REO Property as expeditiously as possible and in accordance with
the
provisions of this Agreement and the related Servicing Agreement, as applicable.
The Master Servicer shall enforce any obligations of the Company or the related
Servicer to protect and conserve, such REO Property in the manner and to
the
extent required by this Agreement or the related Servicing Agreement, in
accordance with the REMIC Provisions and in a manner that does not result
in a
tax on “net income from foreclosure property” or cause such REO Property to fail
to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of
the Code.
(b) The
Master Servicer shall, to the extent required by this Agreement and the related
Servicing Agreement, as applicable, enforce the obligation of the Company
and
the related Servicer, as applicable, to deposit all funds collected and received
in connection with the operation of any REO Property in the related Protected
Account.
Section
4.11 [Reserved].
Section
4.12 [Reserved].
Section
4.13 UCC.
EMC
shall
file any financing statements, continuation statements or amendments thereto
required by any change in the Uniform Commercial Code.
Section
4.14 Group
I
Reserve Fund;
Payments
to and from Swap Administrator; Group I Supplemental Interest Trust.
(a) As
of the
Closing Date, the Securities Administrator shall establish and maintain in
the
name of the Group I Supplemental Interest Trust Trustee, a separate trust
for
the benefit of the Holders of the Class I-A, Class I-M, Class I-B and Class
I-C
Certificates and the Group I Swap Provider. The Group I Supplemental Interest
Trust shall hold the Group I Interest Rate Swap Agreement, the Swap
Administration Agreement insofar as such agreement relates to Loan Group
I and
the Group I Swap Account. The
Group
I Swap Account shall be an Eligible Account, and funds on deposit therein
shall
be held separate and apart from, and shall not be commingled with, any other
moneys, including, without limitation, other moneys of the Securities
Administrator held pursuant to this Agreement. In performing its duties
hereunder and under the Group I Interest Rate Swap Agreement and the rights
in
respect of the Swap Administration Agreement that relate to Loan Group I,
the
Group I Supplemental Interest Trust Trustee shall be entitled to the same
rights, protections and indemnities as provided to the Securities Administrator
hereunder.
(b) On
or
before the Closing Date, the Securities Administrator shall establish a Group
I
Reserve Fund on behalf of the Holders of the Group I Certificates. On the
Closing Date, the Depositor shall cause an amount equal to the Group I Reserve
Fund Deposit to be deposited into the Group I Reserve Fund. The Group I Reserve
Fund must be an Eligible Account. The Group I Reserve Fund shall be entitled
“Group I Reserve Fund, LaSalle Bank National Association, as Securities
Administrator on behalf of Citibank, N.A. as Trustee for the benefit of holders
of Bear Xxxxxxx Asset Backed Securities I LLC, SACO I Trust 2006-5,
Mortgage-Backed Certificates, Series 2006-5, Group I Certificates”. The
Securities Administrator shall deposit in the Group I Reserve Fund all payments
received from the Swap Administrator that are payable to the Trust Fund with
respect to Loan Group I pursuant to the Swap Administration Agreement. On
each
Distribution Date, the Securities Administrator shall remit such amounts
received from the Swap Administrator to the Holders of the Class I-A, Class
I-M
and Class I-B Certificates in the manner provided in clause (d) below. In
addition, on each Distribution Date as to which there is a Group I Basis
Risk
Shortfall Carry Forward Amount payable to any Class of Class I-A, Class I-M
or
Class I-B Certificates, the Securities Administrator shall deposit the amounts
distributable pursuant to clauses (C) and (D) of Section 6.04(a)(3) into
the
Group I Reserve Fund, and the Securities Administrator has been directed
by the
Class I-C Certificateholder to distribute any amounts then on deposit in
the
Group I Reserve Fund to the Holders of the Class I-A, Class I-M or Class
I-B
Certificates in respect of the Group I Basis Risk Shortfall Carry Forward
Amounts for each such Class in the priorities set forth in clauses (C) and
(D)
of Section 6.04(a)(3). Any amount paid to the Holders of Class I-A, Class
I-M or
Class I-B Certificates from amounts distributable pursuant to clauses (C)
and
(D) of Section 6.04(a)(3) pursuant to the preceding sentence in respect of
Group
I Basis Risk Shortfall Carry Forward Amounts shall be treated as distributed
to
the Class I-C Certificateholder in respect of the Class I-C Certificates
and
paid by the Class I-C Certificateholder to the Holders of the Class I-A,
Class
I-M and Class I-B Certificates, as applicable. Any payments to the Holders
of
the Class I-A, Class I-M and Class I-B Certificates in respect of Group I
Basis
Risk Shortfall Carry Forward Amounts, whether pursuant to the second preceding
sentence or pursuant to clause (d) below, shall not be payments with respect
to
a “regular interest” in a REMIC within the meaning of Section 860G(a)(1) of the
Code.
(c) Group
I
Net Swap Payments and Group I Swap Termination Payments (other than Group
I Swap
Termination Payments resulting from a Group I Swap Provider Trigger Event
and to
the extent not paid by the Swap Administrator on behalf of the Group I
Supplemental Interest Trust Trustee from any upfront payment received pursuant
to any related replacement interest rate swap agreement that may be entered
into
by the Group I Supplemental Interest Trust Trustee) payable by the Swap
Administrator, on behalf of the Group I Supplemental Interest Trust Trustee,
to
the Group I Swap Provider pursuant to the Group I Interest Rate Swap Agreement
shall be deducted from Interest Funds with respect to Loan Group I, and to
the
extent of any such remaining amounts due, from Group I Principal Funds, prior
to
any distributions to the Group I Certificateholders. On or before each
Distribution Date, such amounts shall be remitted to the Swap Administrator,
and
deposited into the Group I Swap Account, first to make any Group I Net Swap
Payment owed to the Group I Swap Provider pursuant to the Group I Interest
Rate
Swap Agreement for such Distribution Date and for prior Distribution Dates,
if
any, and second to make any Group I Swap Termination Payment (not due to
a Group
I Swap Provider Trigger Event and to the extent not paid by the Swap
Administrator on behalf of the Group I Supplemental Interest Trust Trustee
from
any upfront payment received pursuant to any related replacement interest
rate
swap agreement that may be entered into by the Group I Supplemental Interest
Trust Trustee) owed to the Group I Swap Provider pursuant to the Group I
Interest Rate Swap Agreement for such Distribution Date and for prior
Distribution Dates, if any. In addition, the Securities Administrator shall
remit to the Swap Administrator for payment to the Group I Swap Provider
any
Group I Swap Termination Payment (which shall include any Group I Net Swap
Payment payable to the Group I Swap Provider) payable under Section 11.01.
For
federal income tax purposes, such amounts paid to the Group I Supplemental
Interest Trust on each Distribution Date shall first be deemed paid to the
Group
I Supplemental Interest Trust in respect of REMIC VI Regular Interest IO
to the
extent of the amount distributable on such REMIC VI Regular Interest IO on
such
Distribution Date, and any remaining amount shall be deemed paid to the Group
I
Supplemental Interest Trust in respect of a Group I Class IO Distribution
Amount. Any Group I Swap Termination Payment triggered by a Group I Swap
Provider Trigger Event owed to the Group I Swap Provider pursuant to the
Group I
Interest Rate Swap Agreement will be subordinated to distributions to the
Holders of the Class I-A, Class I-M and Class I-B Certificates and shall
be paid
as set forth under Section 6.04(a)(3).
(d) On
or
before each Distribution Date, Group I Net Swap Payments payable by the Group
I
Swap Provider pursuant to the Group I Interest Rate Swap Agreement to the
Swap
Administrator, on behalf of the Group I Supplemental Interest Trust Trustee,
will be deposited by the Swap Administrator, acting on behalf of the Group
I
Supplemental Interest Trust Trustee, into the Group I Swap Account pursuant
to
the Swap Administration Agreement. The Swap Administrator shall, to the extent
provided in the Swap Administration Agreement, remit amounts on deposit in
the
Group I Swap Account to the Securities Administrator for deposit into the
Group
I Reserve Fund. On each Distribution Date, to the extent required, the
Securities Administrator shall withdraw such amounts from the Group I Reserve
Fund to distribute to the Group I Certificates in the following order of
priority:
(i) first,
(a) to
each Class of Class I-A Certificates, on a pro
rata
basis,
to pay Current Interest and any Interest Carry Forward Amount to the extent
due
to the interest portion of a Realized Loss, in each case to the extent not
fully
paid pursuant to Section 6.04(a)(1) and (b) any Unpaid Realized Loss Amounts
for
such class, based on the Certificate Principal Balances thereof;
(ii) second,
sequentially to the Class I-M-1, Class I-M-2, Class I-M-3, Class I-M-4, Class
I-M-5, Class I-M-6, Class I-B-1, Class I-B-2, Class I-B-3 and Class I-B-4
Certificates, in that order, to pay Current Interest to the extent not fully
paid pursuant to Section 6.04(a)(1) and any Interest Carry Forward Amount
to the
extent due to the interest portion of a Realized Loss;
(iii) third,
to pay
first, to each Class of Class I-A Certificates, on a pro
rata
basis,
based on the amount of Basis Risk Shortfall Carry Forward Amount for each
such
Class, and second, sequentially to the Class
I-M-1, Class I-M-2, Class I-M-3, Class I-M-4, Class I-M-5, Class I-M-6, Class
I-B-1, Class I-B-2, Class I-B-3 and Class I-B-4 Certificates,
in that
order, any Basis Risk Shortfall Carry Forward Amounts for such Distribution
Date; and
(iv) fourth,
to pay
as principal to the Class I-A, Class I-M and Class I-B Certificates as part
of
the Group
I
Extra Principal Distribution Amount
payable
under Section 6.04(a)(2) until the Group I Overcollateralization Target Amount
has been reached, to the extent not paid from Group I Excess Cashflow pursuant
to Section 6.04(a)(3) for such Distribution Date. For the avoidance of doubt,
any amounts distributable pursuant to this clause (iv) shall be limited to
rebuilding overcollateralization related to Loan Group I to the extent
overcollateralization has been reduced through Realized Losses related to
Loan
Group I.
(e) The
Group
I Reserve Fund is an “outside reserve fund” within the meaning of Treasury
Regulation Section 1.860G-2(h) and shall be an asset of the Trust Fund but
not
an asset of any REMIC. The Securities Administrator on behalf of the Trust
shall
be the nominal owner of the Group I Reserve Fund. The Class I-C
Certificateholder shall be the beneficial owner of the Group I Reserve Fund,
subject to the power of the Securities Administrator on behalf of the Securities
Administrator to transfer amounts under Section 6.04. Amounts in the Group
I
Reserve Fund shall, at the written direction of the Class I-C Certificateholder
to the Securities Administrator, be invested in Permitted Investments that
mature no later than the Business Day prior to the next succeeding Distribution
Date. In the absence of written instructions to the Securities Administrator,
amounts on deposit in the Group I Reserve Fund shall remain uninvested. All
net
income and gain from such investments shall be distributed to the Class I-C
Certificateholders, not as a distribution in respect of any interest in any
REMIC, at such time as they shall direct. All amounts earned on amounts on
deposit in the Group I Reserve Fund shall be taxable to the Class I-C
Certificateholder. Any losses on such investments shall be deposited in the
Group I Reserve Fund by the Class I-C Certificateholder out of its own funds
immediately as realized. The
Group
I Swap Account, which is created and maintained by the Swap Administrator
pursuant to the Swap Administration Agreement, is an “outside reserve fund”
within the meaning of Treasury Regulation Section 1.860G-2(h) and shall not
be
an asset of any REMIC created hereunder. The beneficial owner of the Group
I
Swap Account is identified, and other matters relating to the Group I Swap
Account are addressed, in the Swap Administration Agreement.
(f) The
Securities Administrator shall treat the Holders of Group I Certificates
(other
than the Class I-C and Class I-R Certificates) as having entered into a notional
principal contract with respect to the Holders of the Class I-C Certificates.
Pursuant to each such notional principal contract, all Holders of Group I
Certificates (other than the Class I-C and Class I-R Certificates) shall
be
treated as having agreed to pay, on each Distribution Date, to the Holder
of the
Class I-C Certificates an aggregate amount equal to the excess, if any, of
(i)
the amount payable on such Distribution Date on the REMIC IV Regular Interest
corresponding to such Class of Certificates over (ii) the amount payable
on such
Class of Certificates on such Distribution Date (such excess, a “Group I Class
IO Distribution Amount”). A Group I Class IO Distribution Amount payable from
interest collections shall be allocated pro
rata
among
such Certificates based on the excess of, with respect to each such Certificate,
(i) the amount of interest otherwise payable to the REMIC IV Regular Interest
relating to such Certificate over (ii) the amount of interest payable to
such
Certificate at a per annum rate equal to the related Net WAC Cap Rate, and
a
Group I Class IO Distribution Amount payable from principal collections shall
be
allocated to the most subordinate Class of Group I Certificates with an
outstanding principal balance to the extent of such balance. In addition,
pursuant to such notional principal contract, the Holder of the Class I-C
Certificates shall be treated as having agreed to pay Basis Risk Shortfall
Carry
Forward Amounts with respect to Loan Group I to the Holders of the Group
I
Certificates (other than the Class I-C and Class I-R Certificates) in accordance
with the terms of this Agreement. Any payments to the Group I Certificates
from
amounts deemed received in respect of this notional principal contract shall
not
be payments with respect to a Regular Interest in a REMIC within the meaning
of
Code Section 860G(a)(1). However, any payment from the Group I Certificates
(other than the Class I-C and Class I-R Certificates) of a Group I Class
IO
Distribution Amount shall be treated for tax purposes as having been received
by
the Holders of such Certificates in respect of their interests in REMIC IV
and
as having been paid by such Holders to the Swap Administrator pursuant to
the
notional principal contract. Thus, each Group I Certificate (other than the
Class I-R Certificates) shall be treated as representing not only ownership
of a
Regular Interest in REMIC IV, but also ownership of an interest in, and
obligations with respect to, a notional principal contract.
Section
4.15 Group
II
Reserve
Fund; Payments to and from Swap Administrator; Group II Supplemental Interest
Trust.
(a) As
of the
Closing Date, the Securities Administrator shall establish and maintain in
the
name of the Group II Supplemental Interest Trust Trustee, a separate trust
for
the benefit of the Holders of the Class II-A, Class II-M, Class II-B and
Class
II-C Certificates and the Group II Swap Provider. The Group II Supplemental
Interest Trust shall hold the Group II Interest Rate Swap Agreement, the
rights
in respect of the Swap Administration Agreement that relate to Loan Group
II and
the Group II Swap Account. The Group II Swap Account shall be an Eligible
Account, and funds on deposit therein shall be held separate and apart from,
and
shall not be commingled with, any other moneys, including, without limitation,
other moneys of the Securities Administrator held pursuant to this Agreement.
In
performing its duties hereunder and under the Group II Interest Rate Swap
Agreement and the Swap Administration Agreement insofar as such agreement
relates to the Group II Loans, the Group II Supplemental Interest Trust Trustee
shall be entitled to the same rights, protections and indemnities as provided
to
the Securities Administrator hereunder.
(b) On
or
before the Closing Date, the Securities Administrator shall establish a Group
II
Reserve Fund on behalf of the Holders of the Group II Certificates. On the
Closing Date, the Depositor shall cause an amount equal to the Group II Reserve
Fund Deposit to be deposited in the Group II Reserve Fund. The Group II Reserve
Fund shall be an Eligible Account. The Group II Reserve Fund shall be entitled
“Group II Reserve Fund, LaSalle Bank National Association, as Securities
Administrator on behalf of Citibank, N.A. as Trustee for the benefit of holders
of Bear Xxxxxxx Asset Backed Securities I LLC, SACO I Trust 2006-5,
Mortgage-Backed Certificates, Series 2006-5, Group II Certificates”. The
Securities Administrator shall deposit in the Group II Reserve Fund all payments
received from the Swap Administrator that are payable to the Trust Fund with
respect to Loan Group II pursuant to the Swap Administration Agreement. On
each
Distribution Date, the Securities Administrator shall remit such amounts
received from the Swap Administrator to the Holders of the Class II-A, Class
II-M and Class II-B Certificates in the manner provided in clause (d) below.
On
each Distribution Date as to which there is a Group II Basis Risk Shortfall
Carry Forward Amount payable to any Class of Class II-A, Class II-M or Class
II-B Certificates, the Securities Administrator shall deposit the amounts
distributable pursuant to clauses (C) and (D) of Section 6.04(b)(3) into
the
Group II Reserve Fund, and the Securities Administrator has been directed
by the
Class II-C Certificateholder to distribute any amounts then on deposit in
the
Group II Reserve Fund to the Holders of the Class II-A, Class II-M or Class
II-B
Certificates in respect of the Group II Basis Risk Shortfall Carry Forward
Amounts for each such Class in the priorities set forth in clauses (C) and
(D)
of Section 6.04(b)(3). Any amount paid to the Holders of Class II-A, Class
II-M
or Class II-B Certificates from amounts distributable pursuant to clauses
(C)
and (D) of Section 6.04(b)(3) pursuant to the preceding sentence in respect
of
Group II Basis Risk Shortfall Carry Forward Amounts shall be treated as
distributed to the Class II-C Certificateholder in respect of the Class II-C
Certificates and paid by the Class II-C Certificateholder to the Holders
of the
Class II-A, Class II-M and Class II-B Certificates, as applicable. Any payments
to the Holders of the Class II-A, Class II-M and Class II-B Certificates
in
respect of Group II Basis Risk Shortfall Carry Forward Amounts, whether pursuant
to the second preceding sentence or pursuant to clause (d) below, shall not
be
payments with respect to a “regular interest” in a REMIC within the meaning of
Section 860G(a)(1) of the Code.
(c) Group
II
Net Swap Payments and Group II Swap Termination Payments (other than Group
II
Swap Termination Payments resulting from a Group II Swap Provider Trigger
Event
and to the extent not paid by the Swap Administrator on behalf of the Group
II
Supplemental Interest Trust Trustee from any upfront payment received pursuant
to any related replacement interest rate swap agreement that may be entered
into
by the Group II Supplemental Interest Trust Trustee) payable by the Swap
Administrator, on behalf of the Group II Supplemental Interest Trust Trustee,
to
the Group II Swap Provider pursuant to the Group II Interest Rate Swap Agreement
shall be deducted from Interest Funds with respect to Loan Group II, and
to the
extent of any such remaining amounts due, from Group II Principal Funds,
prior
to any distributions to the Group II Certificateholders. On or before each
Distribution Date, such amounts shall be remitted to the Swap Administrator,
and
deposited into the Group II Swap Account, first to make any Group II Net
Swap
Payment owed to the Group II Swap Provider pursuant to the Group II Interest
Rate Swap Agreement for such Distribution Date and for prior Distribution
Dates,
if any, and second to make any Group II Swap Termination Payment (not due
to a
Group II Swap Provider Trigger Event and to the extent not paid by the Swap
Administrator on behalf of the Group II Supplemental Interest Trust Trustee
from
any upfront payment received pursuant to any related replacement interest
rate
swap agreement that may be entered into by the Group II Supplemental Interest
Trust Trustee) owed to the Group II Swap Provider pursuant to the Group II
Interest Rate Swap Agreement for such Distribution Date and for prior
Distribution Dates, if any. In addition, the Securities Administrator shall
remit to the Swap Administrator for payment to the Group II Swap Provider
any
Group II Swap Termination Payment (which shall include any Group II Net Swap
Payment payable to the Group II Swap Provider) payable under Section 11.01.
For
federal income tax purposes, such amounts paid to the Group II Supplemental
Interest Trust on each Distribution Date shall first be deemed paid to the
Group
II Supplemental Interest Trust in respect of REMIC VIII Regular Interest
IO to
the extent of the amount distributable on such REMIC VIII Regular Interest
IO on
such Distribution Date, and any remaining amount shall be deemed paid to
the
Group II Supplemental Interest Trust in respect of a Group II Class IO
Distribution Amount. Any Group II Swap Termination Payment triggered by a
Group
II Swap Provider Trigger Event owed to the Group II Swap Provider pursuant
to
the Group II Interest Rate Swap Agreement will be subordinated to distributions
to the Holders of the Class II-A, Class II-M and Class II-B Certificates
and
shall be paid as set forth under Section 6.04(b)(3).
(d) On
or
before each Distribution Date, Group II Net Swap Payments payable by the
Group
II Swap Provider pursuant to the Group II Interest Rate Swap Agreement to
the
Swap Administrator, on behalf of the Group II Supplemental Interest Trust
Trustee, will be deposited by the Swap Administrator, acting on behalf of
the
Group II Supplemental Interest Trust Trustee, into the Group II Swap Account
pursuant to the Swap Administration Agreement. The Swap Administrator shall,
to
the extent provided in the Swap Administration Agreement, remit amounts on
deposit in the Group II Swap Account to the Securities Administrator for
deposit
into the Group II Reserve Fund. On each Distribution Date, to the extent
required, the Securities Administrator shall withdraw such amounts from the
Group II Reserve Fund to distribute to the Group II Certificates in the
following order of priority:
(i) first,
(a) to
each Class of Class II-A Certificates, on a pro rata basis, to pay Current
Interest and any Interest Carry Forward Amount to the extent due to the interest
portion of a Realized Loss, in each case to the extent not fully paid pursuant
to Section 6.04(b)(1) and (b) any Unpaid Realized Loss Amounts for such class,
pro rata based on the Certificate Principal Balances thereof as follows:
(1) to
the Class II-A-1 Certificates, and (2) sequentially to the Class II-A-2
Certificates, and then to the Class II-A-3 Certificates;
(ii) second,
sequentially to the Class
II-M-1,
Class
II-M-2, Class II-M-3, Class II-M-4, Class II-M-5, Class II-M-6, Class II-B-1,
Class II-B-2, Class II-B-3 and Class II-B-4 Certificates,
in that
order, to pay Current Interest to the extent not fully paid pursuant to Section
6.04(b)(1) and any Interest Carry Forward Amount to the extent due to the
interest portion of a Realized Loss;
(iii) third,
to pay
first, to each Class of Class II-A Certificates, on a pro rata basis, based
on
the amount of Basis Risk Shortfall Carry Forward Amount for each such Class,
and
second, sequentially to the Class
II-M-1, Class II-M-2, Class II-M-3, Class II-M-4, Class II-M-5, Class II-M-6,
Class II-B-1, Class II-B-2, Class II-B-3 and Class II-B-4
Certificates,
in that
order, any Basis Risk Shortfall Carry Forward Amounts for such Distribution
Date; and
(iv) fourth,
to pay
as principal to the Class II-A, Class II-M and Class II-B Certificates as
part
of the Group II Extra Principal Distribution Amount payable under Section
6.04(b)(2) until the Group II Overcollateralization Target Amount has been
reached, to the extent not paid from Group II Excess Cashflow pursuant to
Section 6.04(b)(3) for such Distribution Date. For the avoidance of doubt,
any
amounts distributable pursuant to this clause (iv) shall be limited to
rebuilding overcollateralization to the extent overcollateralization related
to
Loan Group II has been reduced through Realized Losses related to Loan Group
II.
(e) The
Group
II Reserve Fund is an “outside reserve fund” within the meaning of Treasury
Regulation Section 1.860G-2(h) and shall be an asset of the Trust Fund but
not
an asset of any REMIC. The Securities Administrator on behalf of the Trust
shall
be the nominal owner of the Group II Reserve Fund. The Class II-C
Certificateholder shall be the beneficial owner of the Group II Reserve Fund,
subject to the power of the Securities Administrator on behalf of the Securities
Administrator to transfer amounts under Section 6.04. Amounts in the Group
II
Reserve Fund shall, at the written direction of the Class II-C Certificateholder
to the Securities Administrator, be invested in Permitted Investments that
mature no later than the Business Day prior to the next succeeding Distribution
Date. In the absence of written instructions to the Securities Administrator,
amounts on deposit in the Group II Reserve Fund shall remain uninvested.
All net
income and gain from such investments shall be distributed to the Class II-C
Certificateholders, not as a distribution in respect of any interest in any
REMIC, at such time as they shall direct. All amounts earned on amounts on
deposit in the Group II Reserve Fund shall be taxable to the Class II-C
Certificateholder. Any losses on such investments shall be deposited in the
Group II Reserve Fund by the Class II-C Certificateholder out of its own
funds
immediately as realized. The Group II Swap Account, which is created and
maintained by the Swap Administrator pursuant to the Swap Administration
Agreement, is an “outside reserve fund” within the meaning of Treasury
Regulation Section 1.860G-2(h) and shall not be an asset of any REMIC created
hereunder. The beneficial owner of the Group II Swap Account is identified,
and
other matters relating to the Group II Swap Account are addressed, in the
Swap
Administration Agreement.
(f) The
Securities Administrator shall treat the Holders of Group II Certificates
(other
than the Class II-C and Class II-R Certificates) as having entered into a
notional principal contract with respect to the Holders of the Class II-C
Certificates. Pursuant to each such notional principal contract, all Holders
of
Group II Certificates (other than the Class II-C and Class II-R Certificates)
shall be treated as having agreed to pay, on each Distribution Date, to the
Holder of the Class II-C Certificates an aggregate amount equal to the excess,
if any, of (i) the amount payable on such Distribution Date on the REMIC
IV
Regular Interest corresponding to such Class of Certificates over (ii) the
amount payable on such Class of Certificates on such Distribution Date (such
excess, a “Group II Class IO Distribution Amount”). A Group II Class IO
Distribution Amount payable from interest collections shall be allocated
pro
rata among such Certificates based on the excess of, with respect to each
such
Certificate, (i) the amount of interest otherwise payable to the REMIC IV
Regular Interest relating to such Certificate over (ii) the amount of interest
payable to such Certificate at a per annum rate equal to the related Net
WAC Cap
Rate, and a Group II Class IO Distribution Amount payable from principal
collections shall be allocated to the most subordinate Class of Group II
Certificates with an outstanding principal balance to the extent of such
balance. In addition, pursuant to such notional principal contract, the Holder
of the Class II-C Certificates shall be treated as having agreed to pay Basis
Risk Shortfall Carry Forward Amounts with respect to Loan Group II to the
Holders of the Group II Certificates (other than the Class II-C Certificates
and
Class II-R Certificates) in accordance with the terms of this Agreement.
Any
payments to the Group II Certificates from amounts deemed received in respect
of
this notional principal contract shall not be payments with respect to a
Regular
Interest in a REMIC within the meaning of Code Section 860G(a)(1). However,
any
payment from the Group II Certificates (other than the Class II-C Certificates
and Class II-R Certificates) of a Group II Class IO Distribution Amount shall
be
treated for tax purposes as having been received by the Holders of such
Certificates in respect of their interests in REMIC IV and as having been
paid
by such Holders to the Swap Administrator pursuant to the notional principal
contract. Thus, each Group II Certificate (other than the Class II-R
Certificates) shall be treated as representing not only ownership of a Regular
Interest in REMIC IV, but also ownership of an interest in, and obligations
with
respect to, a notional principal contract.
Section
4.16 Tax
Treatment of Class IO Distribution Amounts in the Event of Resecuritization
of
Class A, Class M or Class B Certificates.
In
the
event that any Class A, Class M or Class B Certificate is resecuritized in
a
REMIC (the “Resecuritization REMIC”), for federal income tax purposes, (i)
payments on the REMIC IV Regular Interest corresponding to such Class A,
Class M
or Class B Certificate shall, for the avoidance of doubt, be deemed to include
the related Class IO Distribution Amount, and (ii) to the extent provided
in the
operative documents for the Resecuritization REMIC, (a) payments on the “regular
interests” issued by the Resecuritization REMIC shall be deemed to include in
the aggregate such Class IO Distribution Amount, and (b) such Class IO
Distribution Amount shall be deemed paid to the holder of the related Class
C
Certificates pursuant to a notional principal contract entered into by the
holders of one or more “regular interests” issued by the Resecuritization REMIC
(“Resecuritization Holders”) and the Holder of the related Class C Certificates.
In such event, Class IO Distribution Amounts deemed paid by Resecuritization
Holders under clause (b) of the immediately preceding sentence shall be paid
on
behalf of such holders pursuant to Section 4.14(c) hereof with respect to
Loan
Group I and Section 4.15(c) hereof with respect to Loan Group II.
ARTICLE
V
ACCOUNTS
Section
5.01 Collection
of
Mortgage Loan Payments; Protected Account.
(a) The
Company shall make reasonable efforts in accordance with customary and usual
standards of practice of prudent mortgage lenders in the respective states
in
which the Mortgaged Properties related to the EMC Mortgage Loans are located
to
collect all payments called for under the terms and provisions of the EMC
Mortgage Loans to the extent such procedures shall be consistent with this
Agreement and the terms and provisions of any related Required Insurance
Policy.
Consistent with the foregoing, the Company may in its discretion (i) waive
any
late payment charge and (ii) extend the Due Dates for payments due on a Mortgage
Note related to an EMC Mortgage Loan for a period not greater than 125 days,
provided that, EMC shall not extend the payment date of any Mortgage Loan
beyond
the date of its final maturity date. In the event of any such arrangement,
the
Company shall make Advances on the related EMC Mortgage Loan during the
scheduled period in accordance with the amortization schedule of such EMC
Mortgage Loan without modification thereof by reason of such arrangements,
and
shall be entitled to reimbursement therefor in accordance with Section 6.01.
The
Company shall not be required to institute or join in litigation with respect
to
collection of any payment (whether under a Mortgage, Mortgage Note or otherwise
or against any public or governmental authority with respect to a taking
or
condemnation) if it reasonably believes that enforcing the provision of the
Mortgage or other instrument pursuant to which such payment is required is
prohibited by applicable law. In addition, if (x) an EMC Mortgage Loan is
in
default or default is reasonably foreseeable or (y) the Company delivers
to the
Trustee, Securities Administrator and Master Servicer a certification addressed
to the Trustee and the Securities Administrator, based on the advice of counsel
or certified public accountants, in either case, that have a national reputation
with respect to taxation of REMICs, that a modification of such EMC Mortgage
Loan will not result in the imposition of taxes on or disqualify any of REMIC
I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII,
the
Company may if it reasonably believes that undertaking such actions would
be in
the best interest of the Certificateholders, (A) amend the related Mortgage
Note
to reduce the Mortgage Rate applicable thereto, provided that such reduced
Mortgage Rate shall in no event be lower than 5.00% with respect to any EMC
Mortgage Loan and (B) amend any Mortgage Note related to an EMC Mortgage
Loan to
extend to the maturity thereof; provided that, EMC shall not extend the payment
date of any Mortgage Loan beyond its final maturity date.
In
accordance with the standards of the first paragraph of Section 3.01, the
Company shall not waive (or permit a sub-servicer to waive) any Prepayment
Charge related to an EMC Mortgage Loan unless: (i) the enforceability thereof
shall have been limited by bankruptcy, insolvency, moratorium, receivership
and
other similar laws relating to creditors’ rights generally, (ii) the enforcement
thereof is illegal, or any local, state or federal agency has threatened
legal
action if the prepayment penalty is enforced, (iii) the collectability thereof
shall have been limited due to acceleration in connection with a foreclosure
or
other involuntary payment or (iv) such waiver is standard and customary in
servicing similar Mortgage Loans and relates to a default or a reasonably
foreseeable default and would, in the reasonable judgment of the Company,
maximize recovery of total proceeds taking into account the value of such
Prepayment Charge and the related EMC Mortgage Loan. If a Prepayment Charge
is
waived, but does not meet the standards described above, then the Company
is
required to pay the amount of such waived Prepayment Charge, for the benefit
of
the related Class C Certificates, by remitting such amount to the Master
Servicer by the Remittance Date.
Payments
of such waived charges shall not be payments in respect of any Regular
Interest.
(b) The
Company shall establish and maintain a Protected Account (which shall at
all
times be an Eligible Account) with a depository institution in the name of
the
Company for the benefit of the Trustee on behalf of the Certificateholders
and
designated “EMC Mortgage Corporation, as servicer on behalf of Citibank, N.A.,
as Trustee, for the benefit of the certificateholders, in trust for registered
holders of Bear Xxxxxxx Asset Backed Securities I LLC, Mortgage-Backed
Certificates, Series 2006-5”. The Company shall deposit or cause to be deposited
into the Protected Account on a daily basis within one Business Day of receipt,
except as otherwise specifically provided herein, the following payments
and
collections remitted by subservicers or received by it in respect of the
EMC
Mortgage Loans subsequent to the Cut-off Date (other than in respect of
principal and interest due on the EMC Mortgage Loans on or before the Cut-off
Date) and the following amounts required to be deposited hereunder:
(i) all
payments on account of principal, including Principal Prepayments, on the
EMC
Mortgage Loans;
(ii) all
payments on account of interest on the EMC Mortgage Loans net of the related
Servicing Fee permitted under Section 3.13, if any;
(iii) all
Liquidation Proceeds, Subsequent Recoveries and Insurance Proceeds with respect
to any EMC Mortgage Loans, other than proceeds to be applied to the restoration
or repair of the Mortgaged Property or released to the Mortgagor in accordance
with the Company’s normal servicing procedures;
(iv) any
amount required to be deposited by the Company pursuant to Section 5.01(c)
in
connection with any losses on Permitted Investments;
(v) any
amounts required to be deposited by the Company pursuant to Section
3.07;
(vi) any
Prepayment Charges collected on the EMC Mortgage Loans; and
(vii) any
other
amounts required to be deposited hereunder.
The
foregoing requirements for deposit by the Company
into the
Protected Account shall be exclusive, it being understood and agreed that,
without limiting the generality of the foregoing, payments in the nature
of late
payment charges or assumption fees, if collected, need not be deposited by
the
Company. In the event that the Company shall deposit any amount not required
to
be deposited and not otherwise subject to withdrawal pursuant to Section
5.02,
it may at any time withdraw or direct the institution maintaining the Protected
Account, to withdraw such amount from the Protected Account, any provision
herein to the contrary notwithstanding. Such withdrawal or direction may
be
accomplished by delivering written notice thereof to the institution maintaining
the Protected Account, that describes the amounts deposited in error in the
Protected Account. The Company shall maintain adequate records with respect
to
all withdrawals made pursuant to this Section. All funds deposited in the
Protected Account shall be held in trust for the Certificateholders until
withdrawn in accordance with Section 5.02.
(c) The
institution that maintains the Protected Account shall invest the funds in
the
Protected Account, in the manner directed by the Company,
in
Permitted Investments which shall mature not later than the Business Day
immediately preceding the Remittance Date and shall not be sold or disposed
of
prior to its maturity. All such Permitted Investments shall be made in the
name
of the Trustee, for the benefit of the Certificateholders. All income and
gain
net of any losses realized from any such investment shall be for the benefit
of
the Company
as
servicing compensation and shall be remitted to it monthly as provided herein.
The amount of any losses incurred in the Protected Account in respect of
any
such investments shall be deposited by the Company
into the
Protected Account, out of the Company’s
own
funds.
(d) The
Company
shall
give at least 30 days advance notice to the Trustee, the Securities
Administrator, the Sponsor, the Master Servicer, each Rating Agency and the
Depositor of any proposed change of location of the Protected Account prior
to
any change thereof.
Section
5.02 Permitted
Withdrawals From the Protected Account.
(a) The
Company
may from
time to time make withdrawals from the Protected Account for the following
purposes:
(i) to
pay
itself (to the extent not previously paid to or withheld by the Company),
as
servicing compensation in accordance with Section 3.13, that portion of any
payment of interest that equals the Servicing Fee for the period with respect
to
which such interest payment was made, and, as additional servicing compensation,
those other amounts set forth in Section 3.13;
(ii) to
reimburse the Company
for
Advances made by it with respect to the Mortgage Loans, provided, however,
that
the Company’s
right
of reimbursement pursuant to this subclause (ii) shall be limited to amounts
received on particular EMC Mortgage Loan(s) (including, for this purpose,
Liquidation Proceeds and Insurance Proceeds and Subsequent Recoveries) that
represent late recoveries of payments of principal and/or interest on such
particular EMC Mortgage Loan(s) in the related Loan Group in respect of which
any such Advance was made;
(iii) to
reimburse the Company
for any
previously made portion of a Servicing Advance or an Advance made by the
Company
that, in
the good faith judgment of the Company,
will
not be ultimately recoverable by it from the related Mortgagor, any related
Liquidation Proceeds, Insurance Proceeds or otherwise (a “Nonrecoverable
Advance”), to the extent not reimbursed pursuant to clause (ii) or clause (v);
provided that such reimbursement pursuant to this subclause shall be limited
amount received from EMC Mortgage Loans in the related Loan Group from with
such
Servicing Advance was made;
(iv) to
pay
the Company
any
unpaid Servicing Fees and to reimburse it for any unreimbursed Servicing
Advances, provided, however, that the Company’s
right
to reimbursement for Servicing Advances pursuant to this subclause (v) with
respect to any Mortgage Loan shall be limited to amounts received on particular
Mortgage Loan(s) (including, for this purpose, Liquidation Proceeds, Insurance
Proceeds, Subsequent Recoveries and purchase and repurchase proceeds) that
represent late recoveries of the payments for which such Servicing Advances
were
made;
(v) to
pay to
EMC (in its capacity as Sponsor), the Depositor or itself, as applicable,
with
respect to each EMC Mortgage Loan or property acquired in respect thereof
that
has been purchased pursuant to Section 2.02, 2.03 or 3.05 of this Agreement,
all
amounts received thereon and not taken into account in determining the related
Stated Principal Balance of such repurchased EMC Mortgage Loan;
(vi) to
pay
any expenses recoverable by the Company
pursuant
to Section 8.04 of this Agreement;
(vii) to
withdraw pursuant to Section 5.01 any amount deposited in the Protected Account
and not required to be deposited therein; and
(viii) to
clear
and terminate the Protected Account upon termination of this Agreement pursuant
to Section 11.01 hereof.
In
addition, no later than 1:00 p.m. New York City time on the Remittance Date,
the
Company shall withdraw from the Protected Account and remit to the Master
Servicer, for deposit in the Master Servicer Collection Account the amount
required to be withdrawn therefrom pursuant to Section 5.05 hereof.
With
respect to any remittance received by the Master Servicer from EMC after
the
date on which such remittance was due, EMC shall pay to the Master Servicer
interest on any such late payment at an annual rate equal to the Prime Rate,
adjusted as of the date of each change, plus two percentage points, but in
no
event greater that the maximum amount permitted by applicable law. Such interest
shall be remitted to the Master Servicer on the date such late payment is
made
and shall cover the period commencing with the day following the date on
which
such remittance was due and ending with the Business Day on which such
remittance is made, both inclusive. The payment by EMC of any such interest
shall not be deemed an extension of time for payment or a waiver of any Event
of
Default with respect to EMC.
The
Company
shall
keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan
basis, for the purpose of justifying any withdrawal from the Protected Account
pursuant to subclauses (i), (ii), (iv), (v) and (vi) above. Prior to making
any
withdrawal from the Protected Account pursuant to subclause (iii), the Company
shall deliver to the Master Servicer an Officer’s Certificate of a Servicing
Officer indicating the amount of any previous Advance or Servicing Advance
determined by the Company to be a Nonrecoverable Advance and identifying
the
related EMC Mortgage Loan(s), and their respective portions of such
Nonrecoverable Advance.
Section
5.03 Reports
to the
Master Servicer.
(a)
On
or
before the tenth calendar day of each month, the Company shall furnish to
the
Master Servicer electronically in a format acceptable to the Master Servicer
loan accounting reports in the investor’s assigned loan number order to document
the payment activity on each EMC Mortgage Loan on an individual mortgage
loan
basis. With respect to each month, such loan accounting reports shall be
in the
format agreed to by the Company and the Master Servicer, including but not
limited to the following information with respect to each EMC Mortgage
Loan:
(i) with
respect to each Scheduled Payment and each Loan Group (on both an actual
and
scheduled basis with respect to Mortgage Loan balances and on an actual basis
with respect to paid-through dates), the amount of such remittance allocable
to
principal (including a separate breakdown of any Principal Prepayment, including
the amount of any Prepayment Interest Shortfall);
(ii) with
respect to each Monthly Payment and each Loan Group, the amount of such
remittance allocable to scheduled interest;
(iii) the
amount of servicing compensation received by the Company during the prior
calendar month;
(iv) with
respect to each Loan Group, the aggregate stated principal balance of the
EMC
Mortgage Loans;
(v) with
respect to each Loan Group, the aggregate amount of Advances made by the
Company
pursuant to Section 6.01;
(vi) with
respect to each Loan Group, the aggregate of any expenses reimbursed to the
Company during the prior calendar month pursuant to Section 5.02;
(vii) with
respect to each Loan Group, the number and aggregate Stated Principal Balance
of
the Mortgage Loans (A) Delinquent (exclusive of Mortgage Loans in foreclosure
and bankruptcy) (1) 30 days Delinquent, (2) 60 days Delinquent and (3) 90
days
or more Delinquent, (B) in foreclosure and delinquent and (1) 30 days
Delinquent, (2) 60 days Delinquent and (3) 90 days or more Delinquent (C)
in
bankruptcy and delinquent (1) 30 days Delinquent, (2) 60 days Delinquent
and (3)
90 days or more Delinquent, in each case as of the close of business on the
last
day of the calendar month preceding such Distribution Date and separately
identifying such information for the (1) second lien Mortgage Loans, and
(3)
Adjustable Rate Mortgage Loans;
(viii) with
respect to each Loan Group, the amount of any Prepayment Charges collected
by
the Company and the amount of Prepayment Charges paid by the Company in
connection with a waiver that is not permitted under this Agreement,
and
(ix) any
other
information necessary for the Securities Administrator to prepare the Monthly
Statement pursuant to Section 6.06, including any information required to
be
provided pursuant to Item 1121 of Regulation AB.
On
or
before the seventeenth calendar day of each month, or if such day is not
a
Business Day, the succeeding Business Day, the Company shall furnish to
the Master Servicer electronically in a format acceptable to the Master Servicer
a report of all Principal Prepayments.
(b) The
Master Servicer and the Securities Administrator shall be entitled to rely
conclusively on the data provided by the Company and the related Servicer
pursuant to Section 5.03(a) above and shall have no liability for any errors
in
such Mortgage Loan data.
Section
5.04 Collection
of
Taxes; Assessments and Similar Items; Escrow Accounts.
With
respect to each EMC Mortgage Loan, to the extent required by the related
Mortgage Note, the Company shall establish and maintain one or more accounts
(each, an “Escrow Account”) and deposit and retain therein all collections from
the Mortgagors (or Servicing Advances by the Company) for the payment of
taxes,
assessments, hazard insurance premiums or comparable items for the account
of
the Mortgagors. Nothing herein shall require the Company to compel a Mortgagor
to establish an Escrow Account in violation of applicable law.
Withdrawals
of amounts so collected from the Escrow Accounts may be made only to effect
timely payment of taxes, assessments, hazard insurance premiums, condominium
or
PUD association dues, or comparable items, to reimburse the Company out of
related collections for any payments made with respect to each EMC Mortgage
Loan
pursuant to Section 3.01 (with respect to taxes and assessments and insurance
premiums) and Section 3.07 (with respect to hazard insurance), to refund
to any
Mortgagors for any EMC Mortgage Loans any sums as may be determined to be
overages, to pay interest, if required by law or the terms of the related
Mortgage or Mortgage Note, to such Mortgagors on balances in the Escrow Account
or to clear and terminate the Escrow Account at the termination of this
Agreement in accordance with Section 11.01 thereof. The Escrow Account shall
not
be a part of the Trust Fund.
Section
5.05 Protected
Accounts.
(a) The
Master Servicer shall enforce the obligation of the Company and the related
Servicers to establish and maintain a Protected Account in accordance with
this
Agreement and the Servicing Agreements, with records to be kept with respect
thereto on a Mortgage Loan by Mortgage Loan basis, into which accounts shall
be
deposited within one Business Day (or as of such other time specified in
the
Servicing Agreements) of receipt all collections of principal and interest
on
any Mortgage Loan and with respect to any REO Property received by the Company
or the related Servicer, including Principal Prepayments, Insurance Proceeds,
Liquidation Proceeds, Subsequent Recoveries, and advances made from the
Company’s or such Servicer’s own funds (less servicing compensation as permitted
by this Agreement or the related Servicing Agreement) and all other amounts
to
be deposited in the Protected Accounts. Each of the Company and the related
Servicers is hereby authorized to make withdrawals from and deposits to the
related Protected Account for purposes required or permitted by this Agreement.
To the extent provided in this Agreement or any Servicing Agreement, the
Protected Account shall be held in a Designated Depository Institution and
segregated on the books of such institution in the name of the Company or
Servicer, as applicable on behalf of the Trustee for the benefit of
Certificateholders.
(b) To
the
extent provided in this Agreement or any Servicing Agreement, amounts on
deposit
in a Protected Account may be invested in Permitted Investments in the name
of
the Trustee for the benefit of Certificateholders and, except as provided
in the
preceding paragraph, not commingled with any other funds, such Permitted
Investments to mature, or to be subject to redemption or withdrawal, no later
than the date on which such funds are required to be withdrawn for deposit
in
the Master Servicer Collection Account, and shall be held until required
for
such deposit. The income earned from Permitted Investments made pursuant
to this
Section 5.05 shall be paid to the Company or the related Servicer under this
Agreement or the related Servicing Agreement, and the risk of loss of moneys
required to be distributed to the Certificateholders resulting from such
investments shall be borne by and be the risk of the Company or the related
Servicer, as the case may be. The Company or the related Servicer (to the
extent
provided in this Agreement or the related Servicing Agreement) shall deposit
the
amount of any such loss in the Protected Account within two Business Days
of
receipt of notification of such loss but not later than the second Business
Day
prior to the Distribution Date on which the moneys so invested are required
to
be distributed to the Certificateholders.
(c) To
the
extent provided in this Agreement or the related Servicing Agreement and
subject
to this Article V, on or before 1:00 p.m. New York City time on each Remittance
Date, the Company or the related Servicer shall withdraw or shall cause to
be
withdrawn from its Protected Account and shall immediately deposit or cause
to
be deposited in the Master Servicer Collection Account amounts representing
the
following collections and payments (other than with respect to principal
of or
interest on the Mortgage Loans due on or before the Cut-off Date):
(i) With
respect to each Loan Group, scheduled Payments on the Mortgage Loans received
or
any related portion thereof advanced by the Company or the related Servicer
pursuant to the related Servicing Agreement which were due on or before the
related Due Date, net of the amount thereof comprising the Servicing
Fees;
(ii) with
respect to each Loan Group, full Principal Prepayments and any Liquidation
Proceeds received by the Company or the related Servicer with respect to
such
Mortgage Loans in the related Prepayment Period, with interest to the date
of
prepayment or liquidation, net of the amount thereof comprising the Servicing
Fees;
(iii) With
respect to each Loan Group, partial Principal Prepayments received by the
Company or the related Servicer for such Mortgage Loans in the related
Prepayment Period;
(iv) With
respect to each Loan Group, any amount to be used as an Advance;
and
(v) With
respect to each Loan Group, the amount of any Prepayment Charges collected
with
respect to the Mortgage Loans and the amount of any Prepayment Charges paid
by
the Company or the related Servicer in connection with the waiver of a
Prepayment Charge in a manner that is not permitted under this Agreement
or the
related Servicing Agreement.
(d) with
respect to each Loan Group, withdrawals may be made from a Protected Account
by
the Company as described in Section 5.02 hereof and by the Master Servicer
or
the related Servicer only to make remittances as provided in Section 5.05(c),
5.08 and 5.09; to reimburse the Master Servicer or the related Servicer for
Advances which have been recovered by subsequent collection from the related
Mortgagor; to remove amounts deposited in error; to remove fees, charges
or
other such amounts deposited on a temporary basis; or to clear and terminate
the
account at the termination of this Agreement in accordance with Section 11.01.
As provided in Sections 5.05(c) and 5.06(b) certain amounts otherwise due
to the
related Servicer may be retained by the related Servicer and need not be
deposited in the Master Servicer Collection Account.
Section
5.06 Master
Servicer
Collection Account.
(a) The
Master Servicer shall establish and maintain in the name of LaSalle Bank
National Association, as Master Servicer, on behalf of the Trustee, for the
benefit of the Certificateholders, the Master Servicer Collection Account
which
shall be an Eligible Account. The Master Servicer will deposit in the Master
Servicer Collection Account as identified by the Master Servicer and as received
by the Master Servicer, the following amounts:
(i) with
respect to each Loan Group, any
Advance and any Compensating Interest Payments;
(ii) with
respect to each Loan Group,
any
Insurance Proceeds, Liquidation Proceeds or Subsequent Recoveries received
by
the Master Servicer;
(iii) with
respect to each Loan Group,
the
Repurchase Price with respect to any Mortgage Loans purchased by the Sponsor
or
Section 2.02 or 2.03, the Repurchase Price with respect to any Mortgage Loans
purchased by EMC pursuant to Section 3.05, and all proceeds of any Mortgage
Loans or property acquired with respect thereto repurchased by the Sponsor
or
its designee pursuant to Section 11.01;
(iv) with
respect to each Loan Group,
any
amounts required to be deposited with respect to losses on investments of
deposits in the Master Servicer Collection Account; and
(v) with
respect to each Loan Group,
any
other amounts received by or on behalf of the Master Servicer or the Trustee
and
required to be deposited in the Master Servicer Collection Account pursuant
to
this Agreement.
(b) All
amounts deposited to the Master Servicer Collection Account shall be held
by the
Master Servicer in the name of the Trustee in trust for the benefit of the
Certificateholders in accordance with the terms and provisions of this
Agreement. The requirements for crediting the Master Servicer Collection
Account
shall be exclusive, it being understood and agreed that, without limiting
the
generality of the foregoing, payments in the nature of late payment charges
or
assumption, tax service, statement account or payoff, substitution,
satisfaction, release and other like fees and charges, need not be credited
by
the Master Servicer to the Master Servicer Collection Account.
(c) The
amount at any time credited to the Master Servicer Collection Account may
be
invested, in the name of the Trustee, or its nominee, for the benefit of
the
Certificateholders, in Permitted Investments or be held in cash as directed
by
the Securities Administrator. All Permitted Investments shall mature or be
subject to redemption or withdrawal on or before, and shall be held until,
the
next succeeding Distribution Account Deposit Date. Any and all investment
earnings from the Master Servicer Collection Account shall be paid to the
Securities Administrator. The risk of loss of moneys required to be distributed
to the Certificateholders resulting from such investments shall be borne
by and
be the risk of the Securities Administrator. The Securities Administrator
shall
deposit the amount of any such loss in the Master Servicer Collection Account
within two Business Days of receipt of notification of such loss but not
later
than the second Business Day prior to the Distribution Date on which the
moneys
so invested are required to be distributed to the
Certificateholders.
Section
5.07 Permitted
Withdrawals and Transfers from the Master Servicer Collection
Account.
(a) The
Master Servicer will make such withdrawals or transfers from the Master Servicer
Collection Account as the Master Servicer has designated for such transfer
or
withdrawal pursuant to this Agreement. The Master Servicer may clear and
terminate the Master Servicer Collection Account pursuant to Section 11.01
and
from time to time remove amounts deposited in error.
(b) On
an
ongoing basis, the Master Servicer shall withdraw from the Master Servicer
Collection Account to pay itself as provided in Section 4.09 and to pay any
expenses, costs and liabilities recoverable by the Trustee, the Swap Provider,
the Master Servicer, each Custodian or the Securities Administrator pursuant
to
Sections 4.02, 8.03, 8.04 (subject in each case to the Extraordinary Trust
Fund
Expenses Cap), 9.05 and 10.05; provided however, that the Master Servicer
shall
be obligated to pay from its own funds any amounts which it is required to
pay
under Section 8.03(a).
(c) In
addition, on or before each Distribution Account Deposit Date, the Master
Servicer shall remit to the Securities Administrator for deposit in the
Distribution Account any Advances required to be made by the Master Servicer
with respect to the Mortgage Loans.
(d) No
later
than 3:00 p.m. New York time on each Distribution Account Deposit Date, the
Master Servicer will transfer all available funds on deposit in the Master
Servicer Collection Account with respect to the related Distribution Date
to the
Securities Administrator for deposit in the Distribution Account. In the
event
that the Master Servicer shall deposit or cause to be deposited to the
Distribution Account any amount not required to be credited thereto, the
Securities Administrator, upon receipt of a written request therefor signed
by a
Master Servicing Officer of the Master Servicer, shall promptly transfer
such
amount to the Master Servicer, any provision herein to the contrary
notwithstanding.
Section
5.08 Distribution
Account.
(a) The
Securities Administrator shall establish and maintain in the name of the
Securities Administrator, on behalf of the Trustee, for the benefit of the
Certificateholders, the Distribution Account as a segregated trust account
or
accounts.
(b) All
amounts deposited to the Distribution Account shall be held by the Securities
Administrator in the name of the Trustee in trust for the benefit of the
Certificateholders in accordance with the terms and provisions of this
Agreement.
(c) The
Distribution Account shall constitute an Eligible Account of the Trust Fund
segregated on the books of the Securities Administrator and held by the
Securities Administrator, and the Distribution Account and the funds deposited
therein shall not be subject to, and shall be protected from, all claims,
liens,
and encumbrances of any creditors or depositors of the Securities Administrator
(whether made directly, or indirectly through a liquidator or receiver of
the
Securities Administrator). The amount at any time credited to the Distribution
Account may be, as directed by the Securities Administrator, held either
uninvested or invested in the name of the Trustee, in such Permitted Investments
as may be selected by the Securities Administrator on such direction which
mature not later than the Business Day next preceding the succeeding
Distribution Date. Permitted Investments in respect of the Distribution Account
shall not be sold or disposed of prior to their maturity. All investment
earnings on amounts on deposit in the Distribution Account or benefit from
funds
uninvested therein from time to time shall be for the account of the Securities
Administrator. The Securities Administrator shall be permitted to receive
distribution of any and all investment earnings from the Distribution Account
on
each Distribution Date. If there is any loss on a Permitted Investment or
demand
deposit, the Securities Administrator shall deposit the amount of the loss
in
the Distribution Account from its own funds. With respect to the Distribution
Account and the funds deposited therein, the Securities Administrator shall
take
such action as may be necessary to ensure that the Certificateholders shall
be
entitled to the priorities afforded to such a trust account (in addition
to a
claim against the estate of the Trustee) as provided by 12 U.S.C. § 92a(e), and
applicable regulations pursuant thereto, if applicable.
Section
5.09 Permitted
Withdrawals and Transfers from the Distribution Account.
(a) The
Securities Administrator will from time to time make or cause to be made
such
withdrawals or transfers from the Distribution Account as are designated
for
such transfer or withdrawal pursuant to this Agreement any the Servicing
Agreement (limited in the case of amounts due the Master Servicer to those
not
withdrawn from the Master Servicer Collection Account in accordance with
the
terms of this Agreement):
(i) to
reimburse the Master Servicer, the Company or the related Servicer for any
unreimbursed Advance or Servicing Advance of its own funds pursuant to this
Agreement or the related Servicing Agreement, such right of the Master Servicer,
the Company or the related Servicer to reimbursement pursuant to this subclause
(i) being limited to amounts received on a particular Mortgage Loan (including,
for this purpose, the Repurchase Price therefor, Insurance Proceeds and
Liquidation Proceeds) which represent late payments or recoveries of the
principal of or interest on such Mortgage Loan respecting which such Advance
or
Servicing Advance was made;
(ii) to
reimburse the Master Servicer, the Company or the related Servicer from
Insurance Proceeds or Liquidation Proceeds relating to a particular Mortgage
Loan for unreimbursed amounts expended by the Master Servicer, the Company
or
the related Servicer in good faith in connection with the restoration of
the
related Mortgaged Property which was damaged by an uninsured cause or in
connection with the liquidation of such Mortgage Loan; provided, however,
that
such reimbursement pursuant to this clause shall be limited to amounts recovered
from Mortgage Loans in the related Loan Group from which such expenditures
were
made;
(iii) to
reimburse the Master Servicer, the Company or the related Servicer from
Insurance Proceeds relating to a particular Mortgage Loan for unreimbursed
expenses incurred with respect to such Mortgage Loan and to reimburse the
Master
Servicer, the Company or the related Servicer from Liquidation Proceeds from
a
particular Mortgage Loan for Liquidation Expenses incurred with respect to
such
Mortgage Loan; provided that the Master Servicer shall not be entitled to
reimbursement for Liquidation Expenses with respect to a Mortgage Loan to
the
extent that (i) any amounts with respect to such Mortgage Loan were paid
as
Excess Liquidation Proceeds pursuant to clause (x) of this Subsection (a)
to the
Master Servicer; and (ii) such Liquidation Expenses were not included in
the
computation of such Excess Liquidation Proceeds;
(iv) to
reimburse the Master Servicer, the Company or a Servicer for any Advance
or
Servicing Advance, after a Realized Loss has been allocated with respect
to the
related Mortgage Loan if the Advance or Servicing Advance has not been
reimbursed pursuant to clauses (i) through (iii); provided, however, that
such
reimbursement pursuant to this clause shall be limited to amounts recovered
from
Mortgage Loans in the related Loan Group from which such Advance was
made;
(v) to
pay
the Master Servicer as set forth in Section 4.09;
(vi) to
reimburse the Master Servicer for expenses, costs and liabilities incurred
by
and reimbursable to it pursuant to Sections 4.02, 8.04(c) and (d) and 12.02
or
otherwise reimbursable to it pursuant to this Agreement;
(vii) to
pay to
the Master Servicer, as additional master servicing compensation, any Excess
Liquidation Proceeds to the extent not retained by the Company or the related
Servicer;
(viii) to
reimburse or pay the Company or the related Servicer any such amounts as
are due
thereto under this Agreement or the related Servicing Agreement and have
not
been retained by or paid to the Company or the related Servicer, to the extent
provided herein and in the related Servicing Agreement;
(ix) to
reimburse the Trustee, the Custodian or the Securities Administrator for
expenses, costs and liabilities incurred by or reimbursable to it pursuant
to
this Agreement (to the extent not reimbursed from the Master Servicer Collection
Account in accordance with Section 5.07), subject to the Extraordinary Trust
Fund Expenses Cap;
(x) to
remove
amounts deposited in error; and
(xi) to
clear
and terminate the Distribution Account pursuant to Section 11.01.
(b) The
Master Servicer shall keep and maintain separate accounting, on a Mortgage
Loan
by Mortgage Loan basis, for the purpose of accounting for any reimbursement
from
the Distribution Account pursuant to subclauses (i) through (iv), inclusive,
and
(vi) or with respect to any such amounts which would have been covered by
such
subclauses had the amounts not been retained by the Master Servicer without
being deposited in the Distribution Account under Section 5.08.
(c) On
each
Distribution Date, the Securities Administrator shall distribute the related
Interest Remittance Amount, Group I Principal Distribution Amount and Group
II
Principal Distribution Amount to the extent of funds on deposit in the
Distribution Account to the holders of the related Certificates in accordance
with Section 6.04.
ARTICLE
VI
DISTRIBUTIONS
AND ADVANCES
Section
6.01 Advances.
(a) The
Company shall make an Advance with respect to any EMC Mortgage Loan and deposit
such Advance in the Master Servicer Collection Account no later than 1:00
p.m.
Eastern time on the Remittance Date in immediately available funds. The Company
or the related Servicer, as applicable, shall be obligated to make any such
Advance only to the extent that such advance would not be a Nonrecoverable
Advance. If the Company or the related Servicer shall have determined that
it
has made a Nonrecoverable Advance or that a proposed Advance or a lesser
portion
of such Advance would constitute a Nonrecoverable Advance, the Company or
the
related Servicer, as the case may be, shall deliver (i) to the Securities
Administrator for the benefit of the Certificateholders funds constituting
the
remaining portion of such Advance, if applicable, and (ii) to the Depositor,
the
Master Servicer, each Rating Agency, and the Trustee an Officer’s Certificate
setting forth the basis for such determination.
In
lieu
of making all or a portion of such Advance from its own funds, the Company
may
(i) cause to be made an appropriate entry in its records relating to the
Protected Account that any Amounts Held for Future Distribution has been
used by
the Company in discharge of its obligation to make any such Advance and (ii)
transfer such funds from the Protected Account to the Distribution Account.
Any
funds so applied and transferred shall be replaced by the Company by deposit
in
the Distribution Account, no later than the close of business on the Remittance
Date immediately preceding the Distribution Account Deposit Date on which
such
funds are required to be distributed pursuant to this Agreement.
Each
Servicer will discontinue making advances with respect to any Mortgage
Loan that
becomes 90 days delinquent. In addition, each Servicer must charge off
a
Mortgage Loan at the time such Mortgage Loan becomes 180 days delinquent
unless
such Servicer reasonably believes that it may be able to obtain a significant
net recovery through foreclosure proceedings or other conversion of the
related
mortgaged property. Once a Mortgage Loan is charged off, the related Servicer
will not be entitled to any additional servicing fee for such Mortgage
Loan,
except to the extent of any unpaid servicing fees and expenses which will
be
reimbursable from any recoveries on such Mortgage Loan, and the Mortgage
Loan
will be treated as a liquidated Mortgage Loan giving rise to a Realized
Loss. If
the related Servicer determines that a significant net recovery is possible
through foreclosure proceedings or other liquidation of the related mortgaged
property on a Mortgage Loan that becomes 90 days delinquent, the related
Servicer may continue making advances on such Mortgage Loan.
The
Company shall be entitled to be reimbursed from the Protected Account for
all
Advances of its own funds made pursuant to this Section as provided in Section
5.02; provided, however, such reimbursement shall be limited to funds received
from Mortgage Loans in the related Loan Group for which such Advance was
made.
The obligation to make Advances with respect to any EMC Mortgage Loan shall
continue until such EMC Mortgage Loan is paid in full or the related Mortgaged
Property or related REO Property has been liquidated or until the purchase
or
repurchase thereof (or substitution therefor) from the Trust Fund pursuant
to
any applicable provision of this Agreement, except as otherwise provided
in this
Section 6.01.
(b) If
the
Scheduled Payment on a Mortgage Loan that was due on a related Due Date and
is
delinquent other than as a result of application of the Relief Act and for
which
the Company or the related Servicer was required to make an Advance pursuant
to
this Agreement or the related Servicing Agreement exceeds the amount deposited
in the Master Servicer Collection Account which shall be used for an Advance
with respect to such Mortgage Loan, the Master Servicer will deposit in the
Master Servicer Collection Account not later than the Distribution Account
Deposit Date immediately preceding the related Distribution Date an amount
equal
to such deficiency, net of the Master Servicing Fee and the Servicing Fee
for
such Mortgage Loan except to the extent the Master Servicer determines any
such
Advance to be nonrecoverable from Liquidation Proceeds, Insurance Proceeds
or
future payments on the Mortgage Loan for which such Advance was made. Subject
to
the foregoing, the Master Servicer shall continue to make such Advances through
the date that the Company or the related Servicer is required to do so under
this Agreement or the related Servicing Agreement, as applicable. If applicable,
on the Distribution Account Deposit Date, the Master Servicer shall present
an
Officer’s Certificate to the Trustee (i) stating that the Master Servicer elects
not to make an Advance in a stated amount and (ii) detailing the reason it
deems
the advance to be nonrecoverable. The Master Servicer may rely on any
non-recoverability determination of the Company or any Servicer.
Subject
to and in accordance with the provisions of Article IX hereof, in the event
the
Master Servicer fails to make such Advance, then the Trustee, as Successor
Master Servicer, shall be obligated to make such Advance, subject to the
provisions of this Section 6.01.
Section
6.02 Compensating
Interest
Payments.
(a) In
the
event that there is a Prepayment Interest Shortfall arising from a voluntary
Principal Prepayment in part or in full by the Mortgagor with respect to
any EMC
Mortgage Loan, the Company shall, to the extent of the Servicing Fee for
such
Distribution Date, remit to the Master Servicer for deposit into the Master
Servicer Collection Account, as a reduction of the Servicing Fee for such
Distribution Date, no later than the close of business on the Remittance
Date
immediately preceding such Distribution Date, an amount equal to the Prepayment
Interest Shortfall; and in case of such deposit, the Company shall not be
entitled to any recovery or reimbursement from the Depositor, the Trustee,
the
Sponsor, the Master Servicer, the Securities Administrator, the Trust Fund
or
the related Certificateholders.
(b) The
Master Servicer shall enforce the obligation of each Servicer under the related
Servicing Agreement to remit any required Compensating Interest Payments
to the
Master Servicer Collection Account on the Remittance Date.
(c) The
Master Servicer shall be required to remit to the Securities Administrator
for
deposit in the Distribution Account the amount of any Prepayment Interest
Shortfalls, to the extent of the Master Servicing Compensation for such
Distribution Date, in the event the Company or the related Servicer is required
to make such payment but fails to do so.
Section
6.03 REMIC
Distributions.
On
each
Distribution Date, the Securities Administrator shall be deemed to have
allocated distributions to the REMIC Regular Interests, Class C Interests
and
Class IO Interests in accordance with Section 6.07 hereof.
Section
6.04 Distributions.
(a) Subject
to Section 4.14(c), on each Distribution Date, an amount equal to the related
Interest Funds and Group I Principal Funds for such Distribution Date shall
be
withdrawn by the Securities Administrator to the extent of any such funds
in the
Distribution Account and distributed in the following order of
priority:
(1) Interest
Funds in respect of Loan Group I shall be distributed in the following manner
and order of priority:
(A) To
the
Class I-A Certificates, the Current Interest and any Interest Carry Forward
Amount; and
(B) From
remaining Interest Funds in respect to Loan Group I, sequentially, to the
Class
I-M-1, Class I-M-2, Class I-M-3, Class I-M-4, Class I-M-5, Class I-M-6, Class
I-B-1, Class I-B-2, Class I-B-3 and Class I-B-4 Certificates, in that order,
the
Current Interest for each such Class.
Any
Group
I Excess Spread to the extent necessary to meet a level of overcollateralization
equal to the Group I Overcollateralization Target Amount will be the Group
I
Extra Principal Distribution Amount and will be included as part of the Group
I
Principal Distribution Amount. Any Group I Remaining Excess Spread together
with
any Group I Overcollateralization Release Amount will be applied as Group
I
Excess Cashflow and distributed pursuant to clauses (a)(3)(A) through (G)
below.
On
any
Distribution Date, any related Relief Act Interest Shortfalls and any related
Prepayment Interest Shortfalls allocated to the Group I Certificates to the
extent not covered by Compensating Interest will be allocated as set forth
in
the definition of “Current Interest” herein.
(2) Group
I
Principal Funds, including any Group I Extra Principal Distribution Amount,
shall be distributed in the following manner and order of priority:
(A) For
each
Distribution Date (i) prior to the Group I Stepdown Date or (ii) on which
a
Group I Trigger Event is in effect:
(i) To
the
Class I-A Certificates, the Group I Principal Distribution Amount for such
Distribution Date, until the Certificate Principal Balance thereof is reduced
to
zero;
(ii) To
the
Class I-M-1 Certificates, any remaining Group
I
Principal
Distribution Amount for such Distribution Date, until the Certificate Principal
Balance thereof is reduced to zero;
(iii) To
the
Class I-M-2 Certificates, any remaining Group I Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(iv) To
the
Class I-M-3 Certificates, any remaining Group I Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(v) To
the
Class I-M-4 Certificates, any remaining Group I Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(vi) To
the
Class I-M-5 Certificates, any remaining Group I Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(vii) To
the
Class I-M-6 Certificates, any remaining Group I Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(viii) To
the
Class I-B-1 Certificates, any remaining Group I Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(ix) To
the
Class I-B-2 Certificates, any remaining Group I Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(x) To
the
Class I-B-3 Certificates, any remaining Group I Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero; and
(xi) To
the
Class I-B-4 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero.
(B) For
each
Distribution Date on or after the Group I Stepdown Date, so long as a Group
I
Trigger Event is not in effect:
(i) To
the
Class I-A Certificates, the Class I-A Principal Distribution Amount for such
Distribution Date, until the Certificate Principal Balance thereof is reduced
to
zero;
(ii) To
the
Class I-M-1 Certificates, from any remaining Group
I
Principal
Distribution Amount for such Distribution Date, the Class I-M-1 Principal
Distribution Amount for such Distribution Date, until the Certificate Principal
Balance thereof is reduced to zero;
(iii) To
the
Class I-M-2 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class I-M-2 Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(iv) To
the
Class I-M-3 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class I-M-3 Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(v) To
the
Class I-M-4 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class I-M-4 Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(vi) To
the
Class I-M-5 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class I-M-5 Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(vii) To
the
Class I-M-6 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class I-M-6 Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(viii) To
the
Class I-B-1 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class I-B-1 Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(ix) To
the
Class I-B-2 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class I-B-2 Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(x) To
the
Class I-B-3 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class I-B-3 Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero; and
(xi) To
the
Class I-B-4 Certificates, from any remaining Group I Principal Distribution
Amount for such Distribution Date, the Class B-4 Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero.
(3) Any
Group
I Excess Cashflow shall be distributed in the following manner and order
of
priority:
(A) from
any
remaining Group I Excess Cashflow, to the Class I-A Certificates, (a)
first,
any
remaining Interest Carry Forward Amount for such Class to the extent not
fully
paid pursuant to clause (a)(1)(A) above and Section 4.14(d) and (b) second,
any
Unpaid Realized Loss Amount for such Class for such Distribution Date in
accordance with the Applied Realized Loss Amount allocated to each such
Class;
(B) from
any
remaining Group I Excess Cashflow, sequentially, to the Class I-M-1, Class
I-M-2, Class I-M-3, Class I-M-4, Class I-M-5, Class I-M-6, Class I-B-1, Class
I-B-2, Class I-B-3 and Class I-B-4 Certificates, in that order, an amount
equal
to the related Interest Carry Forward Amount for each such Class for such
Distribution Date, if any, to the extent not fully paid pursuant to Section
4.14(d);
(C) from
any
remaining Group I Excess Cashflow otherwise distributable to the Class I-C
Interest and the Class I-C Certificates, to the Group I Reserve Fund, (i)
first,
to pay to the Class I-A Certificates any Group I Basis Risk Shortfall Carry
Forward Amount for such Class for such Distribution Date, if any, to the
extent
not fully paid pursuant to Section 4.14(d) and to the extent such amount
exceeds
the amounts then on deposit in the Group I Reserve Fund, and (ii) second,
to
maintain a balance in the Group I Reserve Fund equal to the Group I Reserve
Fund
Deposit;;
(D) from
any
remaining Group I Excess Cashflow otherwise distributable to the Class I-C
Interest and the Class I-C Certificates, to the Group I Reserve Fund, (i)
first,
to pay to the Class I-M-1, Class I-M-2, Class I-M-3, Class I-M-4, Class I-M-5,
Class I-M-6, Class I-B-1, Class I-B-2, Class I-B-3 and Class I-B-4 Certificates,
sequentially in that order, any Group I Basis Risk Shortfall Carry Forward
Amount for each such Class for such Distribution Date,
if any,
to
the
extent not fully paid pursuant to Section 4.14(d) and to the extent such
amount
exceeds the amounts then on deposit in the Group I Reserve Fund, and (ii)
second, to maintain a balance in the Group I Reserve Fund equal to the Group
I
Reserve Fund Deposit;;
(E) from
any
remaining Group I Excess Cashflow, first to the Class I-A Certificates, and
then
sequentially to pay the Class I-M-1, Class I-M-2, Class I-M-3, Class I-M-4,
Class I-M-5, Class I-M-6, Class I-B-1, Class I-B-2, Class I-B-3 and Class
I-B-4
Certificates, in that order, the amount of Relief Act Shortfalls and any
Prepayment Interest Shortfalls allocated to such Classes of Certificates,
to the
extent not previously reimbursed;
(F) from
any
remaining Group I Excess Cashflow, to the Swap Administrator for payment
to the
Group I Swap Provider, any Group I Swap Termination Payments due to a Group
I
Swap Provider Trigger Event owed by the Trust Fund (to the extent not paid
by
the Swap Administrator from any upfront payment received pursuant to any
replacement interest rate swap agreement that may be entered into by the
Group I
Supplemental Interest Trust Trustee);
(G) from
any
remaining Group I Excess Cashflow, to the Class I-C Interest and Class I-C
Certificates, an amount equal to the Class I-C Distribution Amount reduced
by
amounts distributed in clauses (C) and (D) above; and
(H) from
any
remaining Group I Excess Cashflow to each of the Class I-R-1, Class I-R-2,
Class
I-R-3 and Class I-RX Certificates, based on the related REMIC in which such
cashflow remains.
On
each
Distribution Date, all amounts in respect of Prepayment Charges related to
the
Group I Mortgage Loans shall be distributed to the Holders of the Class I-C
Certificates, provided that such distributions shall not be in reduction
of the
principal balance thereof.
In
addition, notwithstanding the foregoing clause (a)(2), to the extent a Group
I
Class IO Distribution Amount is payable from principal collections, Group
I
Principal Distribution Amounts will be deemed paid to the most subordinate
Class
of Group I Regular Certificates, until the Certificate Principal Balance
thereof
has been reduced to zero, and such amount will be paid pursuant to Section
4.14(f).
In
addition, notwithstanding the foregoing, on any Distribution Date after the
Distribution Date on which the Certificate Principal Balance of a Class of
Class
I-A, Class I-M or Class I-B Certificates has been reduced to zero, that Class
of
Certificates will be retired and will no longer be entitled to distributions,
including distributions in respect of related Prepayment Interest Shortfalls
or
Group I Basis Risk Shortfall Carry Forward Amounts.
(b) Subject
to Section 4.15(c), on each Distribution Date, an amount equal to the related
Interest Funds and Group II Principal Funds for such Distribution Date shall
be
withdrawn by the Securities Administrator to the extent of any such funds
in the
Distribution Account and distributed in the following order of
priority:
(1) Interest
Funds in respect of Loan Group II shall be distributed in the following manner
and order of priority:
(A) to
the
Class II-A-1, Class II-A-2 and Class II-A-3 Certificates, the Current Interest
and any Interest Carry Forward Amount, pro rata, for such Distribution Date
and
such Class; and
(B) From
remaining Interest Funds in respect to Loan Group I, sequentially, to the
Class
II-M-1, Class II-M-2, Class II-M-3, Class II-M-4, Class II-M-5, Class II-M-6,
Class II-B-1, Class II-B-2, Class II-B-3 and Class II-B-4 Certificates, in
that
order, the Current Interest for each such Class.
Any
Group
II Excess Spread to the extent necessary to meet a level of
overcollateralization equal to the Group II Overcollateralization Target
Amount
will be the Group II Extra Principal Distribution Amount and will be included
as
part of the Group II Principal Distribution Amount. Any Group II Remaining
Excess Spread together with any Group II Overcollateralization Release Amount
will be applied as Group II Excess Cashflow and distributed pursuant to clauses
(b)(3)(A) through (G) below.
On
any
Distribution Date, any related Relief Act Interest Shortfalls and any related
Prepayment Interest Shortfalls allocated to the Group II Certificates to
the
extent not covered by Compensating Interest will be allocated as set forth
in
the definition of “Current Interest” herein.
(2) Group
II
Principal Funds, including any Group II Extra Principal Distribution Amount,
shall be distributed in the following manner and order of priority:
(A) For
each
Distribution Date (i) prior to the Group II Stepdown Date or (ii) on which
a
Group II Trigger Event is in effect:
(i) To
the
Class II-A Certificates, the Group II Principal Distribution Amount for such
Distribution Date, concurrently, on a pro rata basis, based on the respective
Certificate Principal Balances of such classes, as follows: (i) to the Class
II-A-1 Certificates and (ii) sequentially, to the Class II-A-2 Certificates
and
Class II-A-3 Certificates, in that order, in each case until the Certificate
Principal Balance thereof is reduced to zero;
(ii) To
the
Class II-M-1 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(iii) To
the
Class II-M-2 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(iv) To
the
Class II-M-3 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(v) To
the
Class II-M-4 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(vi) To
the
Class II-M-5 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(vii) To
the
Class II-M-6 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof is
reduced to zero;
(viii) To
the
Class II-B-1 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(ix) To
the
Class II-B-2 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero;
(x) To
the
Class II-B-3 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero; and
(xi) To
the
Class II-B-4 Certificates, any remaining Group II Principal Distribution
Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero.
(B) For
each
Distribution Date on or after the Group II Stepdown Date, so long as a Group
II
Trigger Event is not in effect:
(i) To
the
Class II-A Certificates, the Group II Principal Distribution Amount for such
Distribution Date, concurrently, on a pro rata basis, based on the respective
Certificate Principal Balances of such classes, as follows: (i) to the Class
II-A1 Certificates and (ii) sequentially, to the Class II-A-2 Certificates
and
Class II-A-3 Certificates, in that order, in each case until the Certificate
Principal Balance thereof is reduced to zero;
(ii) To
the
Class II-M-1 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-M-1 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero;
(iii) To
the
Class II-M-2 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-M-2 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero;
(iv) To
the
Class II-M-3 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-M-3 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero;
(v) To
the
Class II-M-4 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-M-4 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero;
(vi) To
the
Class II-M-5 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-M-5 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero;
(vii) To
the
Class II-M-6 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-M-6 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero;
(viii) To
the
Class II-B-1 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-B-1 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero;
(ix) To
the
Class II-B-2 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-B-2 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero;
(x) To
the
Class II-B-3 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class II-B-3 Principal Distribution
Amount for such Distribution Date, until the Certificate Principal Balance
thereof is reduced to zero; and
(xi) To
the
Class II-B-4 Certificates, from any remaining Group II Principal Distribution
Amount for such Distribution Date, the Class B-4 Principal Distribution Amount
for such Distribution Date, until the Certificate Principal Balance thereof
is
reduced to zero.
(3) Any
Group
II Excess Cashflow shall be distributed in the following manner and order
of
priority:
(A) to
the
Class II-A Certificates, (a) first,
any
remaining Interest Carry Forward Amount for such Classes, pro rata, to the
extent not fully paid pursuant to clause (b)(1)(A) above and pursuant to
Section
4.15(d) and (b) second,
any
Unpaid Realized Loss Amount for such Classes, pro rata, based on the respective
Certificate Principal Balances thereof as follows: (1) to the Class II-A-1
Certificates, and (2) sequentially, to the Class II-A-2 Certificates, and
then
to the Class II-A-3 Certificates, in that order, for each such Distribution
Date
in accordance with the Applied Realized Loss Amount allocated to each such
Class;
(B) from
any
remaining Group II Excess Cashflow, sequentially, to the Class II-M-1, Class
II-M-2, Class II-M-3, Class II-M-4, Class II-M-5, Class II-M-6, Class II-B-1,
Class II-B-2, Class II-B-3 and Class II-B-4 Certificates, in that order,
an
amount equal to the related Interest Carry Forward Amount for each such Class
for such Distribution Date, if any, to the extent not fully paid pursuant
to
Section 4.15(d);
(C) from
any
remaining Group II Excess Cashflow otherwise distributable to the Class II-C
Interest and the Class II-C Certificates, to the Group II Reserve Fund, (i)
first, to pay to the Class II-A Certificates any Group II Basis Risk Shortfall
Carry Forward Amount for such Classes for such Distribution Date, if any,
pro
rata, in each case to the extent not paid pursuant to Section 4.15(d) and
to the
extent such amount exceeds the amounts then on deposit in the Group II Reserve
Fund, and (ii) second, to maintain a balance in the Group II Reserve Fund
equal
to the Group II Reserve Fund Deposit;
(D) from
any
remaining Group II Excess Cashflow otherwise distributable to the Class II-C
Interest and the Class II-C Certificates, to the Group II Reserve Fund, (i)
first, to pay to the Class II-M-1, Class II-M-2, Class II-M-3, Class II-M-4,
Class II-M-5, Class II-M-6, Class II-B-1, Class II-B-2, Class II-B-3 and
Class
II-B-4 Certificates, sequentially in that order, any Group II Basis Risk
Shortfall Carry Forward Amount for each such Class for such Distribution
Date,
if any, in each case to the extent not paid pursuant to Section 4.15(d) and
to
the extent such amount exceeds the amounts then on deposit in the Group II
Reserve Fund, and (ii) second, to maintain a balance in the Group II Reserve
Fund equal to the Group II Reserve Fund Deposit;
(E) from
any
remaining Group II Excess Cashflow, first, to the Class II-A Certificates,
pro
rata, based on the entitlement of such class, and then sequentially to the
Class
II-M-1, Class II-M-2, Class II-M-3, Class II-M-4, Class II-M-5, Class II-M-6,
Class II-B-1, Class II-B-2, Class II-B-3 and Class II-B-4 Certificates, in
that
order, the amount of Relief Act Shortfalls and any Prepayment Interest
Shortfalls allocated to such Classes of Certificates, to the extent not
previously reimbursed;
(F) from
any
remaining Group II Excess Cashflow, to the Swap Administrator for payment
to the
Group II Swap Provider, any Group II Swap Termination Payments due to a Group
II
Swap Provider Trigger Event owed by the Trust Fund (to the extent not paid
by
the Swap Administrator from any upfront payment received pursuant to any
replacement interest rate swap agreement that may be entered into by the
Group
II Supplemental Interest Trust Trustee);
(G) from
any
remaining Group II Excess Cashflow, to the Class II-C Interest and Class
II-C
Certificates, an amount equal to the Class II-C Distribution Amount reduced
by
amounts distributed in clauses (C) and (D) above; and
(H) from
any
remaining Group II Excess Cashflow, to each of the Class I-R-2, Class I-R-3,
Class II-R-1 and Class II-RX Certificates, based on the related REMIC in
which
such cashflow remains.
On
each
Distribution Date, all amounts in respect of Prepayment Charges related to
the
Group II Mortgage Loans shall be distributed to the Holders of the Class
II-C
Certificates, provided that such distributions shall not be in reduction
of the
principal balance thereof.
In
addition, notwithstanding the foregoing clause (b)(2), to the extent a Group
II
Class IO Distribution Amount is payable from principal collections, Group
II
Principal Distribution Amounts will be deemed paid to the most subordinate
Class
of Group II Regular Certificates, until the Certificate Principal Balance
thereof has been reduced to zero, and such amount will be paid pursuant to
Section 4.15(f).
In
addition, notwithstanding the foregoing, on any Distribution Date after the
Distribution Date on which the Certificate Principal Balance of a Class of
Class
II-A, Class II-M or Class II-B Certificates has been reduced to zero, that
Class
of Certificates will be retired and will no longer be entitled to distributions,
including distributions in respect of related Prepayment Interest Shortfalls
or
Group II Basis Risk Shortfall Carry Forward Amounts.
(c) In
addition to the foregoing distributions, with respect to any Subsequent
Recoveries and each Loan Group, the Company or the related Servicer, as
applicable, shall deposit such funds into the Protected Account pursuant
to
Section 5.01(b)(iii). If, after taking into account such Subsequent Recoveries
from a related Loan Group, the amount of a related Realized Loss is reduced,
the
amount of such Subsequent Recoveries from a related Loan Group will be applied
to increase the Certificate Principal Balance of the related Class of
Certificates with the highest payment priority to which related Realized
Losses
have been allocated, but not by more than the amount of related Realized
Losses
previously allocated to that Class of Certificates pursuant to Section 6.05;
provided, however, to the extent that no reductions to a Certificate Principal
Balance of any Class of Certificates currently exists as the result of a
prior
allocation of a related Realized Loss, such Subsequent Recoveries from a
related
Loan Group will be applied as Group I Excess Cashflow or Group II Excess
Cashflow, as applicable. The amount of any remaining Subsequent Recoveries
from
a related Loan Group will be applied to increase the Certificate Principal
Balance of the related Class of Certificates with the next highest payment
priority, up to the amount of such related Realized Losses previously allocated
to that Class of Certificates pursuant to Section 6.05, and so on. Holders
of
such Certificates will not be entitled to any payment in respect of Current
Interest on the amount of such increases for any Interest Accrual Period
preceding the Distribution Date on which such increase occurs. Any such
increases shall be applied to the Certificate Principal Balance of each
Certificate of such Class in accordance with its respective Percentage
Interest.
(d) Subject
to Section 11.02 hereof respecting the final distribution, on each Distribution
Date the Securities Administrator shall make distributions to each
Certificateholder of record on the preceding Record Date either by wire transfer
in immediately available funds to the account of such Holder at a bank or
other
entity having appropriate facilities therefor, if such Holder has so notified
the Securities Administrator at least 5 Business Days prior to the related
Record Date, or, if not, by check mailed by first class mail to such
Certificateholder at the address of such Holder appearing in the Certificate
Register. Notwithstanding the foregoing, but subject to Section 11.02 hereof
respecting the final distribution, distributions with respect to Certificates
registered in the name of a Depository shall be made to such Depository in
immediately available funds.
(e) On
or
before 5:00 p.m. Eastern time on the fifth Business Day immediately preceding
each Distribution Date, the Master Servicer shall deliver the Remittance
Report.
Section
6.05 Allocation
of
Realized Losses.
(a) On
or
prior to each Determination Date, the Securities Administrator shall determine
the amount of any Realized Loss in respect of each Loan Group in respect
of each
related Mortgage Loan that occurred during the immediately
preceding calendar month.
(b) Any
Realized Losses on the Group I Mortgage Loans will be applied on any
Distribution Date as follows: first, to Group I Excess Spread through reduction
of the Group I Extra Principal Distribution Amount, second, to the Class
I-C
Interest and Class I-C Certificates, until the Certificate Principal Balance
and
Uncertificated Principal Balance thereof have been reduced to zero, third,
to
the Class I-B-4 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, fourth, to the Class I-B-3 Certificates until the
Certificate Principal Balance thereof has been reduced to zero, fifth, to
the
Class I-B-2 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, sixth, to the Class I-B-1 Certificates until the
Certificate Principal Balance thereof has been reduced to zero, seventh,
to the
Class I-M-6 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, eigth, to the Class I-M-5 Certificates until the
Certificate Principal Balance thereof has been reduced to zero, ninth, to
the
Class I-M-4 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, tenth, to the Class I-M-3 Certificates until the
Certificate Principal Balance thereof has been reduced to zero, eleventh,
to the
Class I-M-2 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, twelfth, to the Class I-M-1 Certificates until the
Certificate Principal Balance thereof has been reduced to zero, and thirteenth,
to the Class I-A Certificates until the Certificate Principal Balance thereof
has been reduced to zero.
(c) Any
Realized Losses on the Group II Mortgage Loans will be applied on any
Distribution Date as follows: first, to Group II Excess Spread through reduction
of the Group II Extra Principal Distribution Amount, second, to the Class
II-C
Interest and Class II-C Certificates, until the Certificate Principal Balance
and Uncertificated Principal Balance thereof have been reduced to zero, third,
to the Class II-B-4 Certificates until the Certificate Principal Balance
thereof
has been reduced to zero, fourth, to the Class II-B-3 Certificates until
the
Certificate Principal Balance thereof has been reduced to zero, fifth, to
the
Class II-B-2 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, sixth, to the Class II-B-1 Certificates until the
Certificate Principal Balance thereof has been reduced to zero, seventh,
to the
Class II-M-6 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, eigth, to the Class II-M-5 Certificates until the
Certificate Principal Balance thereof has been reduced to zero, ninth, to
the
Class II-M-4 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, tenth, to the Class II-M-3 Certificates until the
Certificate Principal Balance thereof has been reduced to zero, eleventh,
to the
Class II-M-2 Certificates until the Certificate Principal Balance thereof
has
been reduced to zero, twelfth, to the Class II-M-1 Certificates until the
Certificate Principal Balances thereof has been reduced to zero, and thirteenth,
to the Class II-A Certificates, on a pro rata basis among the Class II-A-1
Certificates on the one hand and the Class II-A-2 Certificates and the Class
II-A-3 Certificates on the other hand in reduction of the Certificate Principal
Balances thereof, until reduced to zero; provided, however, any Realized
Losses
allocable to the Class II-A-2 Certificates will be allocated first to the
Class
II-A-3 Certificates, until the Ceritificate Principal Balance of that class
has
been reduced to zero, and then to the Class II-A-2 Certificates.
(d) Any
allocation of Realized Losses to a Class of Certificates or interest on any
Distribution Date shall be made by reducing the Certificate Principal Balance
or
Uncertificated Principal Balance thereof by the amount so allocated; any
allocation of Realized Losses to the Group I Excess Spread or Group II Excess
Spread, as applicable, shall be made by reducing the amount otherwise payable
in
respect of the related Class C Interest and the related Class C Certificates
pursuant to clause (G) of Section 6.04(a)(3) or clause (G) of Section
6.04(b)(3), respectively.
Once
Realized Losses have been allocated to a Class of Class A, Class M or Class
B
Certificates, such amounts with respect to such Certificates will no longer
accrue interest nor will such amounts in respect of interest be reinstated
thereafter.
As
used
herein, an allocation of a Realized Loss on a “pro rata basis” among two or more
specified Classes of Certificates means an allocation on a pro rata basis,
among
the various Classes so specified, to each such Class of Certificates on the
basis of their then outstanding Certificate Principal Balances prior to giving
effect to distributions to be made on such Distribution Date. All Realized
Losses and all other losses allocated to a Class of Certificates hereunder
will
be allocated among the Certificates of such Class in proportion to the
Percentage Interests evidenced thereby.
All
Realized Losses on the Group I Mortgage Loans shall be allocated on each
Distribution Date to REMIC I Regular Interest I-1-A through REMIC I Regular
Interest I-45-B, starting with the lowest numerical denomination until the
Uncertificated Principal Balance of each such REMIC I Regular Interest has
been
reduced to zero; provided that, for REMIC I Regular Interests with the same
numerical denomination, such Realized Losses shall be allocated pro
rata
between
such REMIC I Regular Interests. All Realized Losses on the Group I Mortgage
Loans shall be allocated on each Distribution Date to the following REMIC
III
Group I Regular Interests in the specified percentages, as follows: first,
to
Uncertificated Accrued Interest payable to REMIC III Regular Interest I-AA
and
REMIC III Regular Interest I-ZZ up to an aggregate amount equal to the REMIC
III
Group I Interest Loss Allocation Amount (without duplication of shortfalls
allocated pursuant to Section 1.02), 98.00% and 2.00%, respectively; second,
to
the Uncertificated Principal Balances of REMIC III Regular Interest I-AA
and
REMIC III Regular Interest I-ZZ up to an aggregate amount equal to the REMIC
III
Group I Principal Loss Allocation Amount, 98.00% and 2.00%, respectively;
third,
to the Uncertificated Principal Balances of REMIC III Regular Interest I-AA,
REMIC III Regular Interest I-B-4 and REMIC III Regular Interest I-ZZ, 98.00%,
1.00% and 1.00%, respectively, until the Uncertificated Principal Balance
of
REMIC III Regular Interest I-B-4 has been reduced to zero; fourth, to the
Uncertificated Principal Balances of REMIC III Regular Interest I-AA, REMIC
III
Regular Interest I-B-3 and REMIC III Regular Interest I-ZZ, 98.00%, 1.00%
and
1.00%, respectively, until the Uncertificated Principal Balance of REMIC
III
Regular Interest I-B-3 has been reduced to zero; fifth, to the Uncertificated
Principal Balances of REMIC III Regular Interest I-AA, REMIC III Regular
Interest I-B-2 and REMIC III Regular Interest I-ZZ, 98.00%, 1.00% and 1.00%,
respectively, until the Uncertificated Principal Balance of REMIC III Regular
Interest I-B-2 has been reduced to zero; sixth, to the Uncertificated Principal
Balances of REMIC III Regular Interest I-AA, REMIC III Regular Interest I-B-1
and REMIC III Regular Interest I-ZZ, 98.00%, 1.00% and 1.00%, respectively,
until the Uncertificated Principal Balance of REMIC III Regular Interest
I-B-1
has been reduced to zero; seventh, to the Uncertificated Principal Balances
of
REMIC III Regular Interest I-AA, REMIC III Regular Interest I-M-6 and REMIC
III
Regular Interest I-ZZ, 98.00%, 1.00% and 1.00%, respectively, until the
Uncertificated Principal Balance of REMIC III Regular Interest I-M-6 has
been
reduced to zero; eighth, to the Uncertificated Principal Balances of REMIC
III
Regular Interest I-AA, REMIC III Regular Interest I-M-5 and REMIC III Regular
Interest I-ZZ, 98.00%, 1.00% and 1.00%, respectively, until the Uncertificated
Principal Balance of REMIC III Regular Interest I-M-5 has been reduced to
zero;
ninth, to the Uncertificated Principal Balances of REMIC III Regular Interest
I-AA, REMIC III Regular Interest I-M-4 and REMIC III Regular Interest I-ZZ,
98.00%, 1.00% and 1.00%, respectively, until the Uncertificated Principal
Balance of REMIC III Regular Interest I-M-4 has been reduced to zero; tenth,
to
the Uncertificated Principal Balances of REMIC III Regular Interest I-AA,
REMIC
III Regular Interest I-M-3 and REMIC III Regular Interest I-ZZ, 98.00%, 1.00%
and 1.00%, respectively, until the Uncertificated Principal Balance of REMIC
III
Regular Interest I-M-3 has been reduced to zero; eleventh, to the Uncertificated
Principal Balances of REMIC III Regular Interest I-AA, REMIC III Regular
Interest I-M-2 and REMIC III Regular Interest I-ZZ, 98.00%, 1.00% and 1.00%,
respectively, until the Uncertificated Principal Balance of REMIC III Regular
Interest I-M-2 has been reduced to zero; twelfth, to the Uncertificated
Principal Balances of REMIC III Regular Interest I-AA, REMIC III Regular
Interest I-M-1 and REMIC III Regular Interest I-ZZ, 98.00%, 1.00% and 1.00%,
respectively, until the Uncertificated Principal Balance of REMIC III Regular
Interest I-M-1 has been reduced to zero; and thirteenth, to the Uncertificated
Principal Balances of REMIC III Regular Interest I-AA, REMIC III Regular
Interest I-A and REMIC III Regular Interest I-ZZ, 98.00%, 1.00% and 1.00%,
respectively, until the Uncertificated Principal Balance of REMIC III Regular
Interest I-A has been reduced to zero.
All
Realized Losses on the Group II Mortgage Loans shall be allocated on each
Distribution Date to REMIC II Regular Interest II-1-A through REMIC I Regular
Interest II-45-B, starting with the lowest numerical denomination until the
Uncertificated Principal Balance of each such REMIC II Regular Interest has
been
reduced to zero; provided that, for REMIC II Regular Interests with the same
numerical denomination, such Realized Losses shall be allocated pro
rata
between
such REMIC II Regular Interests. All Realized Losses on the Group II Mortgage
Loans shall be allocated on each Distribution Date to the following REMIC
III
Group II Regular Interests in the specified percentages, as follows: first,
to
Uncertificated Accrued Interest payable to REMIC III Regular Interest II-AA
and
REMIC III Regular Interest II-ZZ up to an aggregate amount equal to the REMIC
III Group II Interest Loss Allocation Amount (without duplication of shortfalls
allocated pursuant to Section 1.02), 98.00% and 2.00%, respectively; second,
to
the Uncertificated Principal Balances of REMIC III Regular Interest II-AA
and
REMIC III Regular Interest II-ZZ up to an aggregate amount equal to the REMIC
III Group II Principal Loss Allocation Amount, 98.00% and 2.00%, respectively;
third, to the Uncertificated Principal Balances of REMIC III Regular Interest
II-AA, REMIC III Regular Interest II-B-4 and REMIC III Regular Interest II-ZZ,
98.00%, 1.00% and 1.00%, respectively, until the Uncertificated Principal
Balance of REMIC III Regular Interest II-B-4 has been reduced to zero; fourth,
to the Uncertificated Principal Balances of REMIC III Regular Interest II-AA,
REMIC III Regular Interest II-B-3 and REMIC III Regular Interest II-ZZ, 98.00%,
1.00% and 1.00%, respectively, until the Uncertificated Principal Balance
of
REMIC III Regular Interest II-B-3 has been reduced to zero; fifth, to the
Uncertificated Principal Balances of REMIC III Regular Interest II-AA, REMIC
III
Regular Interest II-B-2 and REMIC III Regular Interest II-ZZ, 98.00%, 1.00%
and
1.00%, respectively, until the Uncertificated Principal Balance of REMIC
III
Regular Interest II-B-2 has been reduced to zero; sixth, to the Uncertificated
Principal Balances of REMIC III Regular Interest II-AA, REMIC III Regular
Interest II-B-1 and REMIC III Regular Interest II-ZZ, 98.00%, 1.00% and 1.00%,
respectively, until the Uncertificated Principal Balance of REMIC III Regular
Interest II-B-1 has been reduced to zero; seventh, to the Uncertificated
Principal Balances of REMIC III Regular Interest II-AA, REMIC III Regular
Interest II-M-6 and REMIC III Regular Interest II-ZZ, 98.00%, 1.00% and 1.00%,
respectively, until the Uncertificated Principal Balance of REMIC III Regular
Interest II-M-6 has been reduced to zero; eighth, to the Uncertificated
Principal Balances of REMIC III Regular Interest II-AA, REMIC III Regular
Interest II-M-5 and REMIC III Regular Interest II-ZZ, 98.00%, 1.00% and 1.00%,
respectively, until the Uncertificated Principal Balance of REMIC III Regular
Interest II-M-5 has been reduced to zero; ninth, to the Uncertificated Principal
Balances of REMIC III Regular Interest II-AA, REMIC III Regular Interest
II-M-4
and REMIC III Regular Interest II-ZZ, 98.00%, 1.00% and 1.00%, respectively,
until the Uncertificated Principal Balance of REMIC III Regular Interest
II-M-4
has been reduced to zero; tenth, to the Uncertificated Principal Balances
of
REMIC III Regular Interest II-AA, REMIC III Regular Interest II-M-3 and REMIC
III Regular Interest II-ZZ, 98.00%, 1.00% and 1.00%, respectively, until
the
Uncertificated Principal Balance of REMIC III Regular Interest II-M-3 has
been
reduced to zero; eleventh, to the Uncertificated Principal Balances of REMIC
III
Regular Interest II-AA, REMIC III Regular Interest II-M-2 and REMIC III Regular
Interest II-ZZ, 98.00%, 1.00% and 1.00%, respectively, until the Uncertificated
Principal Balance of REMIC III Regular Interest II-M-2 has been reduced to
zero;
twelfth, to the Uncertificated Principal Balances of REMIC III Regular Interest
II-AA, REMIC III Regular Interest II-M-1 and REMIC III Regular Interest II-ZZ,
98.00%, 1.00% and 1.00%, respectively, until the Uncertificated Principal
Balance of REMIC III Regular Interest II-M-1 has been reduced to zero; and
thirteenth, to the Uncertificated Principal Balance of REMIC III Regular
Interest II-AA, 1.00%, to the Uncertificated Principal Balance of REMIC III
Regular Interest II-A-1 on the one hand and the Uncertificated Principal
Balances of REMIC III Regular Interests II-A-2 and II-A-3 on the other hand,
1.00% pro rata, and to the Uncertificated Principal Balance of REMIC III
Regular
Interest II-ZZ, 1.00%, until the Uncertificated Principal Balances of REMIC
III
Regular Interests II-A-1, II-A-2 and II-A-3 have been reduced to zero; provided,
however, that any Realized Losses allocable to REMIC III Regular Interest
II-A-2
will be allocable first to REMIC III Regular Interest II-A-3, until the
Uncertificated Principal Balance of REMIC III Regular Interest II-A-3 has
been
reduced to zero, and then to REMIC III Regular Interest II-A-2.
Section
6.06 Monthly
Statements to Certificateholders.
(a) Not
later
than each Distribution Date, the Securities Administrator shall prepare and
make
available to each Holder of Certificates, the Trustee, the Swap Provider,
the
Master Servicer and the Depositor a statement setting forth for the
Certificates:
(i) the
applicable record dates, accrual periods, determination dates for calculating
distributions and general distribution dates;
(ii) with
respect to each Loan Group, the total cash flows received and the general
sources thereof;
(iii) the
amount, if any, of fees or expenses accrued and paid, with an identification
of
the payee and the general purpose of such fees including the related amount
of
the Servicing Fees paid to or retained by the applicable Servicer or the
Master
Servicer for the related Due Period;
(iv) with
respect to each Loan Group, the amount of the related distribution to Holders
of
each Class allocable to principal, separately identifying (A) the aggregate
amount of any Principal Prepayments included therein, (B) the aggregate of
all
scheduled payments of principal included therein and (C) the Extra Principal
Distribution Amount (if any);
(v) the
amount
of such
distribution
to
holders of the Class
I-A
, Class I-M, Class II-A and Class II-M Certificates allocable to interest
and
the portion thereof,
if any,
provided by the Interest
Rate Swap Agreement
(vi) with
respect to each Loan Group, the Interest Carry Forward Amounts and any Basis
Risk Shortfall Carry Forward Amounts for the related Offered Certificates
(if
any);
(vii) the
Pass-Through Rate for each Class of Class A, Class M and Class B Certificates
with respect to the current Accrual Period, and, if applicable, whether such
Pass-Through Rate was limited by the related Net WAC Cap Rate;
(viii) the
Certificate Principal Balance or Certificate Notional Amount, as applicable,
of
each Class before and after giving effect (i) to all distributions allocable
to
principal on such Distribution Date with respect to such Loan Group and (ii)
the
allocation of any Applied Realized Loss Amounts with respect to such Loan
Group
for such Distribution Date;
(ix) with
respect to each Loan Group, the number and Stated Principal Balance of all
the
Mortgage Loans for such Distribution Date, together with updated pool
composition information;
(x) the
Pass-Through Rate for each Class of Class A, Class M and Class B Certificates
with respect to the current Accrual Period, and, if applicable, whether such
Pass-Through Rate was limited by the related Net WAC Cap Rate;
(xi) with
respect to each Loan Group, the aggregate amount of Advances included in
the
distribution on such Distribution Date (including the general purpose of
such
Advances), the aggregate amount of unreimbursed Advances at the close of
business on the Distribution Date, and the general source of funds for
reimbursements;
(xii) the
number and aggregate Stated Principal Balance of the Group I Loans and Group
II
Loans (A) Delinquent, exclusive of Mortgage Loans in foreclosure, (1) 30
days
Delinquent, (2) 60 days Delinquent and (3) 90 days or more Delinquent, and
(B)
in foreclosure and Delinquent (1) 30 days Delinquent, (2) 60 days Delinquent
and
(3) 90 days or more Delinquent, in each case as of the close of business
on the
last day of the calendar month preceding such Distribution Date;
(xiii) with
respect to each Loan Group, the amount of, if any, of excess cashflow or
excess
spread and the application of such excess cashflow;
(xiv) with
respect to each Loan Group, the aggregate Stated Principal Balance of, and
Realized Loss on, such Mortgage Loans as of the end of the related Prepayment
Period;
(xv) with
respect to each Loan Group, information on loss, delinquency or other tests
used
for determining early amortization, liquidation, stepdowns or other performance
triggers as more completely described in the prospectus supplement and whether
the trigger was met;
(xvi) with
respect to each Loan Group, the total number and principal balance of any
real
estate owned or REO Properties as of the close of business on the last day
of
the calendar month preceding such Distribution Date;
(xvii) with
respect to each Loan Group, the cumulative Realized Losses through the end
of
the preceding month;
(xviii) with
respect to each Loan Group, the three month rolling average of the percent
equivalent of a fraction, the numerator of which is the aggregate Stated
Principal Balance of the Mortgage Loans in such Loan Group that are 60 days
or
more delinquent or are in bankruptcy or foreclosure or are REO Properties,
and
the denominator of which is the aggregate Stated Principal Balance of all
of the
Mortgage Loans in such Loan Group, in each case as of the close of business
on
the last day of the calendar month preceding such Distribution
Date,
(xix) with
respect to each Loan Group and if applicable, material modifications, extensions
or waivers to Mortgage Loan terms, fees, penalties or payments during the
preceding calendar month or that have become material over time;
(xx) with
respect to each Loan Group, material breaches of Mortgage Loan representations
or warranties or transaction covenants;
(xxi) with
respect to each Loan Group, the amount of the Prepayment Charges remitted
by the
master servicer and the amount on deposit in
the
related reserve fund;
(xxii) the
amount of any Group I Net Swap Payment or Group II Net Swap Payment payable
to
the Trust, any Group I Net Swap Payment or Group II Net Swap Payment payable
to
the related Swap Provider, any Group I Swap Termination Payment or Group
II Swap
Termination Payment payable to the Trust and any Group I Swap Termination
Payment or Group II Swap Termination Payment payable to the related Swap
Provider.
(xxiii) information
regarding any new issuance of securities backed by the same asset pool, any
pool
asset changes, such as additions or removals of Mortgage Loans from the Trust
Fund, if applicable; and
(xxiv) any
material changes in the solicitation, credit-granting, underwriting,
origination, acquisition or Mortgage Loan selection criteria or procedures,
as
applicable, used to originate, acquire or select Mortgage Loans for the Trust
Fund.
The
Depositor covenants that if there is a material change in the solicitation,
credit-granting, underwriting, origination, acquisition or Mortgage Loan
selection criteria or procedures, as applicable, used to originate, acquire
or
select Mortgage Loans for the Trust Fund that it will notify the Securities
Administrator five calendar days before each Distribution Date, and if no
such
notification occurs, the Securities Administrator has no obligation to report
with respect to (xxiv). The Depositor covenants to the Securities Administrator
that there will be no new issuance of securities backed by the same asset
pool,
so the Securities Administrator will only be responsible in (xxiii) above
for
reporting any pool asset changes, such as additions or removals of Mortgage
Loans from the Trust Fund.
The
foregoing information and reports shall be prepared and determined by the
Securities Administrator based solely on Mortgage Loan data provided to the
Securities Administrator by the Master Servicer (in a format agreed to by
the
Securities Administrator and the Master Servicer) no later than five (5)
Business Days prior to the Distribution Date. In preparing or furnishing
the
foregoing information, the Securities Administrator shall be entitled to
rely
conclusively on the accuracy of the information or data regarding the Mortgage
Loans and the related REO Property that has been provided to the Securities
Administrator by the Master Servicer, and the Securities Administrator shall
not
be obligated to verify, recompute, reconcile or recalculate any such information
or data. The Securities Administrator shall be entitled to conclusively rely
on
the Mortgage Loan data provided by the Master Servicer and shall have no
liability for any errors in such Mortgage Loan data.
The
Securities Administrator will make such statement (and, at its option, any
additional files containing the same information in an alternative format)
available each month to the parties hereto, the Certificateholders and each
Rating Agency via the Securities Administrator’s internet website. The
Securities Administrator’s internet website shall initially be located
at xxx.xxxxxxxx.xxx.
Assistance in using the website can be obtained by calling the Securities
Administrator’s customer service desk at (000) 000-0000. Parties that are unable
to use the above distribution option are entitled to have a paper copy mailed
to
them via first class mail by calling the customer service desk and indicating
such. The Securities Administrator shall have the right to change the way
such
statements are distributed in order to make such distribution more convenient
and/or more accessible to the above parties and the Securities Administrator
shall provide timely and adequate notification to all above parties regarding
any such changes.
As
a
condition to access the Securities Administrator’s internet website, the
Securities Administrator may require registration and the acceptance of a
disclaimer. The Securities Administrator will not be liable for the
dissemination of information in accordance with this Agreement.
(b) The
Securities Administrator’s responsibility for making the above information
available to the Certificateholders is limited to the availability, timeliness
and accuracy of the information derived from the Master Servicer, the Company
and the related Servicers. The Securities Administrator will make available
a
copy of each statement provided pursuant to this Section 6.06 to each Rating
Agency on its website at xxx.xxxxxxxx.xxx.
(c) Within
a
reasonable period of time after the end of each calendar year, the Securities
Administrator shall cause to be furnished upon written request to each Person
who at any time during the calendar year was a Certificateholder, a statement
containing the information set forth in clauses (a)(i) and (a)(ii) of this
Section 6.06 aggregated for such calendar year or applicable portion thereof
during which such Person was a Certificateholder. Such obligation of the
Securities Administrator shall be deemed to have been satisfied to the extent
that substantially comparable information shall be provided by the Securities
Administrator pursuant to any requirements of the Code as from time to time
in
effect.
(d) The
Securities Administrator shall furnish quarterly to the Holders of the Residual
Certificates each applicable Form 1066Q and shall respond promptly to written
requests made not more frequently than quarterly by any Holder of a Residual
Certificate with respect to the following matters:
(i) The
original projected principal and interest cash flows on the Closing Date
on each
class of Regular Interests and Residual Interests created hereunder and on
the
related Mortgage Loans, based on the Prepayment Assumption;
(ii) The
projected remaining principal and interest cash flows as of the end of any
calendar quarter with respect to each class of Regular Interests and Residual
Interests created hereunder and the related Mortgage Loans, based on the
Prepayment Assumption;
(iii) The
applicable Prepayment Assumption and any interest rate assumptions used in
determining the projected principal and interest cash flows described
above;
(iv) The
original issue discount (or, in the case of the Mortgage Loans, market discount)
or premium accrued or amortized through the end of such calendar quarter
with
respect to each class of Regular Interests or Residual Interests created
hereunder and to the related Mortgage Loans, together with each constant
yield
to maturity used in computing the same;
(v) The
treatment of losses realized with respect to the related Mortgage Loans or
the
Regular Interests created hereunder, including the timing and amount of any
cancellation of indebtedness income of a REMIC with respect to such Regular
Interests or bad debt deductions claimed with respect to the related Mortgage
Loans;
(vi) The
amount and timing of any non-interest expenses of a REMIC; and
(vii) Any
taxes
(including penalties and interest) imposed on the REMIC, including, without
limitation, taxes on “prohibited transactions,” “contributions” or “net income
from foreclosure property” or state or local income or franchise
taxes.
The
information pursuant to clauses (i), (ii), (iii) and (iv) above shall be
provided by the Depositor pursuant to Section 10.12.
Section
6.07 REMIC
Designations and REMIC Distributions.
(a) The
Securities Administrator on behalf of the Trustee shall elect that each of
REMIC
I, REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII and REMIC
VIII
shall be treated as a REMIC under Section 860D of the Code. Any inconsistencies
or ambiguities in this Agreement or in the administration of this Agreement
shall be resolved in a manner that preserves the validity of such REMIC
elections. The assets of REMIC I shall include the Group I Mortgage Loans
and
all interest owing in respect of and principal due thereon, the portion of
the
assets in the Distribution Account related to the Group I Mortgage Loans,
the
portion of the assets in the Master Servicer Collection Account related to
the
Group I Mortgage Loans, the portion of the assets in the Protected Accounts
related to the Group I Mortgage Loans maintained by the Company and the related
Servicer, any REO Property related to the Group I Mortgage Loans, any proceeds
of the foregoing and any other assets related to the Group I Mortgage Loans
subject to this Agreement (other than the Group I Reserve Fund, any related
Prepayment Charge Waiver Amounts and, for the avoidance of doubt, the Group
I
Supplemental Interest Trust, the Group I Interest Rate Swap Agreement, the
Group
I Swap Account and any rights or obligations in respect of the Swap
Administration Agreement). The assets of REMIC II shall include the Group
II
Mortgage Loans and all interest owing in respect of and principal due thereon,
the portion of the assets in the Distribution Account related to the Group
II
Mortgage Loans, the portion of the assets in the Master Servicer Collection
Account related to the Group II Mortgage Loans, the portion of the assets
in the
Protected Accounts related to the Group II Mortgage Loans maintained by the
Company and the related Servicer, any REO Property related to the Group II
Mortgage Loans, any proceeds of the foregoing and any other assets related
to
the Group II Mortgage Loans subject to this Agreement (other than the Group
II
Reserve Fund, any related Prepayment Charge Waiver Amounts and, for the
avoidance of doubt, the Group II Supplemental Interest Trust, the Group II
Interest Rate Swap Agreement, the Group II Swap Account and any rights or
obligations in respect of the Swap Administration Agreement). The REMIC I
Regular Interests and REMIC II Regular Interests shall constitute the assets
of
REMIC III. The REMIC III Regular Interests shall constitute the assets of
REMIC
IV. The Class I-C Interest shall constitute the assets of REMIC V. The Class
I-IO Interest shall constitute the assets of REMIC VI. The Class II-C Interest
shall constitute the assets of REMIC VII. The Class II-IO Interest shall
constitute the assets of REMIC VIII.
(b) (1)On
each
Distribution Date, the Interest Funds with respect to Loan Group I and the
Group
I Principal Funds, in the following order of priority, shall be distributed
by
REMIC I to REMIC III on account of the REMIC I Regular Interests or withdrawn
from the Distribution Account and distributed to the Holders of the Class
I-R-1
Certificates, as the case may be:
(i) to
holders of each of the REMIC I Regular Interests I-1-A through I-45-B,
pro
rata,
in an
amount equal to (A) the Uncertificated Accrued Interest for such REMIC I
Regular
Interests for such Distribution Date, plus (B) any amounts payable in respect
thereof remaining unpaid from previous Distribution Dates;
(ii) to
the
extent of amounts remaining after the distributions made pursuant to clause
(i)
above, payments of principal shall be allocated as follows: to REMIC I Regular
Interests I-1-A through I-45-B starting with the lowest numerical denomination
until the Uncertificated Principal Balance of each such REMIC I Regular Interest
is reduced to zero; provided that, for REMIC I Regular Interests with the
same
numerical denomination, such payments of principal shall be allocated
pro
rata
between
such REMIC I Regular Interests; and
(iii) any
remaining amount to the Holders of the Class I-R-1 Certificates.
(2) On
each
Distribution Date, amounts representing Prepayment Charges on the Group I
Mortgage loans shall be deemed distributed to the REMIC I Regular Interests,
pro
rata, provided
that such amounts shall not reduce the Uncertificated Principal Balances
of the
REMIC I Regular Interests.
(3) On
each
Distribution Date, the Interest Funds with respect to Loan Group II and the
Group II Principal Funds shall be distributed, in the following order of
priority, by REMIC II to REMIC III on account of the REMIC II Regular Interests
or withdrawn from the Distribution Account and distributed to the Holders
of the
Class II-R-1 Certificates, as the case may be:
(i) to
holders of each of the REMIC II Regular Interests II-1-A through II-45-B,
pro
rata,
in an
amount equal to (A) the Uncertificated Accrued Interest for such REMIC II
Regular Interests for such Distribution Date, plus (B) any amounts payable
in
respect thereof remaining unpaid from previous Distribution Dates;
(ii) to
the
extent of amounts remaining after the distributions made pursuant to clause
(i)
above, payments of principal shall be allocated as follows: to REMIC II Regular
Interests II-1-A through II-45-B starting with the lowest numerical denomination
until the Uncertificated Principal Balance of each such REMIC II Regular
Interest is reduced to zero; provided that, for REMIC II Regular Interests
with
the same numerical denomination, such payments of principal shall be allocated
pro
rata
between
such REMIC II Regular Interests; and
(iii)
any
remaining amount to the Holders of the Class II-R-1 Certificates.
(4) On
each
Distribution Date, amounts representing Prepayment Charges on the Group II
Mortgage loans shall be deemed distributed to the REMIC II Regular Interests,
pro
rata, provided
that such amounts shall not reduce the Uncertificated Principal Balances
of the
REMIC II Regular Interests.
(c) (1)On
each
Distribution Date, the Interest Funds with respect to Loan Group I and the
Group
I Principal Funds shall be distributed, in the following order of priority,
by
REMIC III to REMIC IV on account of the REMIC III Group I Regular Interests
or
withdrawn from the Distribution Account and distributed to the Holders of
the
Class I-R-2 Certificates, as the case may be:
(i) to
the
holders of REMIC III Regular Interest I-IO, in an amount equal to (A) the
Uncertificated Accrued Interest for such REMIC III Regular Interest for such
Distribution Date, plus (B) any amounts in respect thereof remaining unpaid
from
previous Distribution Dates;
(ii) to
the
extent of the Interest Funds related to Loan Group I remaining after the
distributions pursuant to clause (i), to the holders of each REMIC III Group
I
Regular Interest (other than REMIC III Regular Interest I-IO), pro
rata,
in an
amount equal to (A) the Uncertificated Accrued Interest for such REMIC III
Regular Interest for such Distribution Date, plus (B) any amounts in respect
thereof remaining unpaid from previous Distribution Dates. Amounts payable
as
Uncertificated Accrued Interest in respect of REMIC III Regular Interest
I-ZZ
shall be reduced when the REMIC III Group I Overcollateralization Amount
is less
than the REMIC III Group I Required Overcollateralization Amount, by the
lesser
of (x) the amount of such difference and (y) the Group I Maximum Uncertificated
Accrued Interest Deferral Amount, and such amount will be payable to the holders
of each REMIC III Regular Interest for which a Class I-A, Class I-M or Class
I-B
Certificate is the Corresponding Certificate in the same proportion as the
Group
I Extra Principal Distribution Amount is allocated to the Corresponding
Certificates for each such REMIC III Regular Interest, and the Uncertificated
Principal Balance of REMIC III Regular Interest I-ZZ shall be increased by
such
amount;
(iii) to
the
holders of REMIC III Group I Regular Interests (other than REMIC III Regular
Interest I-IO) in an amount equal to the remainder of the Interest Funds
related
to Loan Group I and the Group I Principal Funds for such Distribution Date
after
the distributions made pursuant to clauses (i) and (ii) above, allocated
as
follows:
(A) 98%
of
such remainder to the holders of REMIC III Regular Interest I-AA, until the
Uncertificated Principal Balance of such REMIC III Regular Interest is reduced
to zero;
(B) 2%
of
such remainder, first, to the holders of each REMIC III Regular Interest
for
which a Class I-A, Class I-M or Class I-B Certificate is the Corresponding
Certificate, in an aggregate amount equal to 1% of and in the same proportion
as
principal payments are allocated to the Corresponding Certificates for each
such
REMIC III Regular Interest, until the Uncertificated Principal Balances of
such
REMIC III Regular Interests are reduced to zero; and second, to the holders
of
REMIC III Regular Interest I-ZZ, until the Uncertificated Principal Balance
of
such REMIC III Regular Interest is reduced to zero; and
(C) any
remaining amount to the Holders of the Class I-R-2 Certificates.
(2) On
each
Distribution Date, 100% of the Prepayment Charges deemed distributed on the
REMIC I Regular Interests shall be distributed, pro
rata, to
the
holders of the REMIC III Group I Regular Interests (other than REMIC III
Regular
Interest I-IO), provided that such amounts shall not reduce the Uncertificated
Principal Balances of the REMIC III Group I Regular Interests.
(3) On
each
Distribution Date, the Interest Funds with respect to Loan Group II and the
Group II Principal Funds shall be distributed, in the following order of
priority, by REMIC III to REMIC IV on account of the REMIC III Group II Regular
Interests or withdrawn from the Distribution Account and distributed to the
Holders of the Class I-R-2 Certificates, as the case may be:
(i) to
the
holders of REMIC III Regular Interest II-IO, in an amount equal to (A) the
Uncertificated Accrued Interest for such REMIC III Regular Interest for such
Distribution Date, plus (B) any amounts in respect thereof remaining unpaid
from
previous Distribution Dates;
(ii) to
the
extent of the Interest Funds related to Loan Group II remaining after the
distributions pursuant to clause (i), to the holders of each REMIC III Group
II
Regular Interest (other than REMIC III Regular Interest II-IO), pro
rata,
in an
amount equal to (A) the Uncertificated Accrued Interest for such REMIC III
Regular Interest for such Distribution Date, plus (B) any amounts in respect
thereof remaining unpaid from previous Distribution Dates. Amounts payable
as
Uncertificated Accrued Interest in respect of REMIC III Regular Interest
II-ZZ
shall be reduced when the REMIC III Group II Overcollateralization Amount
is
less than the REMIC III Group II Required Overcollateralization Amount, by
the
lesser of (x) the amount of such difference and (y) the Group II Maximum
Uncertificated Accrued Interest Deferral Amount, and such amount will be
payable
to the holders of each REMIC III Regular Interest for which a Class II-A,
Class
II-M or Class II-B Certificate is the Corresponding Certificate in the same
proportion as the Group II Extra Principal Distribution Amount is allocated
to
the Corresponding Certificates for each such REMIC III Regular Interest,
and the
Uncertificated Principal Balance of REMIC III Regular Interest II-ZZ shall
be
increased by such amount;
(iii) to
the
holders of REMIC III Group II Regular Interests (other than REMIC III Regular
Interest II-IO) in an amount equal to the remainder of the Interest Funds
related to Loan Group II and the Group II Principal Funds for such Distribution
Date after the distributions made pursuant to clauses (i) and (ii) above,
allocated as follows:
(A) 98%
of
such remainder to the holders of REMIC III Regular Interest II-AA, until
the
Uncertificated Principal Balance of such REMIC III Regular Interest is reduced
to zero;
(B) 2%
of
such remainder, first, to the holders of each REMIC III Regular Interest
for
which a Class II-A, Class II-M or Class II-B Certificate is the Corresponding
Certificate, in an aggregate amount equal to 1% of and in the same proportion
as
principal payments are allocated to the Corresponding Certificates for each
such
REMIC III Regular Interest, until the Uncertificated Principal Balances of
such
REMIC III Regular Interests are reduced to zero; and second, to the holders
of
REMIC III Regular Interest II-ZZ, until the Uncertificated Principal Balance
of
such REMIC III Regular Interest is reduced to zero; and
(C) any
remaining amount to the Holders of the Class I-R-2 Certificates.
(4) On
each
Distribution Date, 100% of the Prepayment Charges deemed distributed on the
REMIC II Regular Interests shall be distributed, pro
rata, to
the
holders of the REMIC III Group II Regular Interests (other than REMIC III
Regular Interest II-IO), provided that such amounts shall not reduce the
Uncertificated Principal Balances of the REMIC III Group II Regular
Interests.
(d) On
each
Distribution Date, amounts equal to those distributed pursuant to Sections
6.04(a)(3)(C), (D) and (G) on such date shall be deemed distributed from
REMIC
IV to REMIC V in respect of the Class I-C Distribution Amount distributable
to
the Class I-C Interest, and 100% of the Prepayment Charges deemed distributed
on
the REMIC III Group I Regular Interests shall be deemed distributed from
REMIC
IV to REMIC V in respect of the Class I-C Interest.
(e) On
each
Distribution Date, amounts equal to those distributed pursuant to Sections
6.04(b)(3)(C), (D) and (G) on such date shall be deemed distributed from
REMIC
IV to REMIC VII in respect of the Class II-C Distribution Amount distributable
to the Class II-C Interest, and 100% of the Prepayment Charges deemed
distributed on the REMIC III Group II Regular Interests shall be deemed
distributed from REMIC IV to REMIC VII in respect of the Class II-C
Interest.
(f) On
each
Distribution Date, 100% of the amounts deemed distributed on REMIC III Regular
Interest I-IO shall be deemed distributed by REMIC IV to REMIC VI in respect
of
the Class I-IO Interest. Such amounts shall be deemed distributed by REMIC
VI in
respect of REMIC VI Regular Interest IO for deposit into the Group I
Supplemental Interest Trust.
(g) On
each
Distribution Date, 100% of the amounts deemed distributed on REMIC III Regular
Interest II-IO shall be deemed distributed by REMIC IV to REMIC VIII in respect
of the Class II-IO Interest. Such amounts shall be deemed distributed by
REMIC
VIII in respect of REMIC VIII Regular Interest IO for deposit into the Group
II
Supplemental Interest Trust.
ARTICLE
VII
THE
CERTIFICATES
Section
7.01 The
Certificates.
The
Certificates shall be substantially in the forms attached hereto as Exhibits
A-1
through A-5. The Certificates shall be issuable in registered form, in the
minimum dollar denominations, integral dollar multiples in excess thereof
(except that one Certificate of each Class may be issued in a different amount
which must be in excess of the applicable minimum dollar denomination) and
aggregate dollar denominations as set forth in the following table:
|
Class
|
Minimum
Denomination
|
Integral
Multiple
in
Excess
of
Minimum
|
Original
Certificate
Principal
Balance
|
|||
|
I-A
|
$
|
100,000
|
$
|
1.00
|
$
|
202,094,000.00
|
|
I-M-1
|
$
|
100,000
|
$
|
1.00
|
$
|
15,234,000.00
|
|
I-M-2
|
$
|
100,000
|
$
|
1.00
|
$
|
15,524,000.00
|
|
I-M-3
|
$
|
100,000
|
$
|
1.00
|
$
|
5,514,000.00
|
|
I-M-4
|
$
|
100,000
|
$
|
1.00
|
$
|
6,965,000.00
|
|
I-M-5
|
$
|
100,000
|
$
|
1.00
|
$
|
6,238,000.00
|
|
I-M-6
|
$
|
100,000
|
$
|
1.00
|
$
|
4,206,000.00
|
|
I-B-1
|
$
|
100,000
|
$
|
1.00
|
$
|
4,496,000.00
|
|
I-B-2
|
$
|
100,000
|
$
|
1.00
|
$
|
4,351,000.00
|
|
I-B-3
|
$
|
100,000
|
$
|
1.00
|
$
|
3,771,000.00
|
|
I-B-4
|
$
|
100,000
|
$
|
1.00
|
$
|
4,642,000.00
|
|
I-C
|
$
|
10%
|
$
|
1%
|
$
|
17,119,940.59
|
|
I-R-1
|
$
|
100%
|
$
|
N/A
|
$
|
N/A
|
|
I-R-2
|
$
|
100%
|
$
|
N/A
|
$
|
N/A
|
|
I-R-3
|
$
|
100%
|
$
|
N/A
|
$
|
N/A
|
|
I-RX
|
$
|
100%
|
$
|
N/A
|
$
|
N/A
|
|
II-A-1
|
$
|
100,000
|
$
|
1.00
|
$
|
150,999,000.00
|
|
II-A-2
|
$
|
100,000
|
$
|
1.00
|
$
|
103,069,000.00
|
|
II-A-3
|
$
|
100,000
|
$
|
1.00
|
$
|
47,930,000.00
|
|
II-M-1
|
$
|
100,000
|
$
|
1.00
|
$
|
22,628,000.00
|
|
II-M-2
|
$
|
100,000
|
$
|
1.00
|
$
|
22,206,000.00
|
|
II-M-3
|
$
|
100,000
|
$
|
1.00
|
$
|
9,094,000.00
|
|
II-M-4
|
$
|
100,000
|
$
|
1.00
|
$
|
8,671,000.00
|
|
II-M-5
|
$
|
100,000
|
$
|
1.00
|
$
|
8,671,000.00
|
|
II-M-6
|
$
|
100,000
|
$
|
1.00
|
$
|
6,556,000.00
|
|
II-B-1
|
$
|
100,000
|
$
|
1.00
|
$
|
6,979,000.00
|
|
II-B-2
|
$
|
100,000
|
$
|
1.00
|
$
|
6,133,000.00
|
|
II-B-3
|
$
|
100,000
|
$
|
1.00
|
$
|
5,922,000.00
|
|
II-B-4
|
$
|
100,000
|
$
|
1.00
|
$
|
5,076,000.00
|
|
II-C
|
$
|
10%
|
$
|
1%
|
$
|
19,034,346.30
|
|
II-R-1
|
$
|
100%
|
$
|
N/A
|
$
|
N/A
|
|
II-RX
|
$
|
100%
|
$
|
N/A
|
$
|
N/A
|
The
Certificates shall be executed by manual or facsimile signature on behalf
of the
Securities Administrator by an authorized officer. Certificates bearing the
manual or facsimile signatures of individuals who were, at the time when
such
signatures were affixed, authorized to sign on behalf of the Securities
Administrator shall bind the Securities Administrator, notwithstanding that
such
individuals or any of them have ceased to be so authorized prior to the
authentication and delivery of such Certificates or did not hold such offices
at
the date of such authentication and delivery. No Certificate shall be entitled
to any benefit under this Agreement, or be valid for any purpose, unless
there
appears on such Certificate the countersignature of the Securities Administrator
by manual signature, and such countersignature upon any Certificate shall
be
conclusive evidence, and the only evidence, that such Certificate has been
duly
countersigned and delivered hereunder. All Certificates shall be dated the
date
of their countersignature. On the Closing Date, the Securities Administrator
shall authenticate the Certificates to be issued at the written direction
of the
Depositor, or any affiliate thereof.
The
Depositor shall provide, or cause to be provided, to the Securities
Administrator on a continuous basis, an adequate inventory of Certificates
to
facilitate transfers.
Section
7.02 Certificate
Register; Registration of Transfer and Exchange of
Certificates.
(a) The
Securities Administrator shall maintain, or cause to be maintained in accordance
with the provisions of Section 7.09 hereof, a Certificate Register for the
Trust
Fund in which, subject to the provisions of subsections (b) and (c) below
and to
such reasonable regulations as it may prescribe, the Securities Administrator
shall provide for the registration of Certificates and of Transfers and
exchanges of Certificates as herein provided. Upon surrender for registration
of
Transfer of any Certificate, the Securities Administrator shall authenticate
and
deliver, in the name of the designated transferee or transferees, one or
more
new Certificates of the same Class and of like aggregate Percentage
Interest.
At
the
option of a Certificateholder, Certificates may be exchanged for other
Certificates of the same Class in authorized denominations and evidencing
the
same aggregate Percentage Interest upon surrender of the Certificates to
be
exchanged at the office or agency of the Securities
Administrator.
Whenever any Certificates are so surrendered for exchange, the Securities
Administrator
shall
execute, authenticate, and deliver the Certificates that the Certificateholder
making the exchange is entitled to receive. Every Certificate presented or
surrendered for registration of Transfer or exchange shall be accompanied
by a
written instrument of Transfer in form satisfactory to the Securities
Administrator
duly
executed by the holder thereof or his attorney duly authorized in
writing.
No
service charge to the Certificateholders shall be made for any registration
of
Transfer or exchange of Certificates, but payment of a sum sufficient to
cover
any tax or governmental charge that may be imposed in connection with any
Transfer or exchange of Certificates may be required.
All
Certificates surrendered for registration of Transfer or exchange shall be
canceled and subsequently destroyed by the Securities
Administrator
in
accordance with the Securities
Administrator’s
customary procedures.
(b) Subject
to Subsection 7.07 and, in the case of any Global Certificate or Private
Certificate upon the satisfaction of the conditions set forth below, upon
surrender for registration of transfer of any Certificate at any office or
agency of the Securities Administrator maintained for such purpose, the
Securities Administrator shall sign, countersign and shall deliver, in the
name
of the designated transferee or transferees, a new Certificate of a like
Class
and aggregate Percentage Interest, but bearing a different number.
(c) Subject
to Subsection 7.02(g), so long as a Global Certificate of such Class is
outstanding and is held by or on behalf of the Depository, transfers of
beneficial interests in such Global Certificate, or transfers by Holders
of
Individual Certificates of such Class to transferees that take delivery in
the
form of beneficial interests in the Global Certificate, may be made only
in
accordance with this Subsection 7.02(c) and in accordance with the rules
of the
Depository:
(i) In
the
case of a beneficial interest in the Global Certificate being transferred
to an
Institutional Accredited Investor, such transferee shall be required to take
delivery in the form of an Individual Certificate or Certificates and the
Securities Administrator shall register such transfer only upon compliance
with
the provisions of Subsection 7.02(h).
(ii) In
the
case of a beneficial interest in a Class of Global Certificates being
transferred to a transferee that takes delivery in the form of an Individual
Certificate or Certificates of such Class, except as set forth in clause
(i)
above, the Securities Administrator shall register such transfer only upon
compliance with the provisions of Subsection 7.02(h).
(iii) In
the
case of an Individual Certificate of a Class being transferred to a transferee
that takes delivery in the form of a beneficial interest in a Global Certificate
of such Class, the Securities Administrator shall register such transfer
if the
transferee has provided the Securities Administrator with a Rule 144A and
Related Matters Certificate or comparable evidence as to its QIB
status.
(iv) No
restrictions shall apply with respect to the transfer or registration of
transfer of a beneficial interest in the Global Certificate of a Class to
a
transferee that takes delivery in the form of a beneficial interest in the
Global Certificate of such Class; provided that each such transferee shall
be
deemed to have made such representations and warranties contained in the
Rule
144A and Related Matters Certificate as are sufficient to establish that
it is a
QIB.
(d) Subject
to Subsection 7.02(g), an exchange of a beneficial interest in a Global
Certificate of a Class for an Individual Certificate or Certificates of such
Class, an exchange of an Individual Certificate or Certificates of a Class
for a
beneficial interest in the Global Certificate of such Class and an exchange
of
an Individual Certificate or Certificates of a Class for another Individual
Certificate or Certificates of such Class (in each case, whether or not such
exchange is made in anticipation of subsequent transfer, and, in the case
of the
Global Certificate of such Class, so long as such Certificate is outstanding
and
is held by or on behalf of the Depository) may be made only in accordance
with
this Subsection 7.02(d) and in accordance with the rules of the
Depository:
(i) A
Holder
of a beneficial interest in a Global Certificate of a Class may at any time
exchange such beneficial interest for an Individual Certificate or Certificates
of such Class.
(ii) A
Holder
of an Individual Certificate or Certificates of a Class may exchange such
Certificate or Certificates for a beneficial interest in the Global Certificate
of such Class if such holder furnishes to the Securities Administrator a
Rule
144A and Related Matters Certificate or comparable evidence as to its QIB
status.
(iii) A
Holder
of an Individual Certificate of a Class may exchange such Certificate for
an
equal aggregate principal amount of Individual Certificates of such Class
in
different authorized denominations without any certification.
(e) (i)Upon
acceptance for exchange or transfer of an Individual Certificate of a Class
for
a beneficial interest in a Global Certificate of such Class as provided herein,
the Securities Administrator shall cancel such Individual Certificate and
shall
(or shall request the Depository to) endorse on the schedule affixed to the
applicable Global Certificate (or on a continuation of such schedule affixed
to
the Global Certificate and made a part thereof) or otherwise make in its
books
and records an appropriate notation evidencing the date of such exchange
or
transfer and an increase in the certificate balance of the Global Certificate
equal to the certificate balance of such Individual Certificate exchanged
or
transferred therefor.
(ii) Upon
acceptance for exchange or transfer of a beneficial interest in a Global
Certificate of a Class for an Individual Certificate of such Class as provided
herein, the Securities Administrator shall (or shall request the Depository
to)
endorse on the schedule affixed to such Global Certificate (or on a continuation
of such schedule affixed to such Global Certificate and made a part thereof)
or
otherwise make in its books and records an appropriate notation evidencing
the
date of such exchange or transfer and a decrease in the certificate balance
of
such Global Certificate equal to the certificate balance of such Individual
Certificate issued in exchange therefor or upon transfer thereof.
(f) Any
Individual Certificate issued in exchange for or upon transfer of another
Individual Certificate or of a beneficial interest in a Global Certificate
shall
bear the applicable legends set forth in Exhibit A-2.
(g) Subject
to the restrictions on transfer and exchange set forth in this Section 7.02,
the
Holder of any Individual Certificate may transfer or exchange the same in
whole
or in part (in an initial certificate balance equal to the minimum authorized
denomination set forth in Section 7.01 above or any integral multiple of
$1.00
in excess thereof) by surrendering such Certificate at the Corporate Trust
Office, or at the office of any transfer agent, together with an executed
instrument of assignment and transfer satisfactory in form and substance
to the
Securities Administrator in the case of transfer and a written request for
exchange in the case of exchange. The Holder of a beneficial interest in
a
Global Certificate may, subject to the rules and procedures of the Depository,
cause the Depository (or its nominee) to notify the Securities Administrator
in
writing of a request for transfer or exchange of such beneficial interest
for an
Individual Certificate or Certificates. Following a proper request for transfer
or exchange, the Securities Administrator shall, within five Business Days
of
such request made at the Corporate Trust Office, sign, countersign and deliver
at the Corporate Trust Office, to the transferee (in the case of transfer)
or
Holder (in the case of exchange) or send by first class mail at the risk
of the
transferee (in the case of transfer) or Holder (in the case of exchange)
to such
address as the transferee or Holder, as applicable, may request, an Individual
Certificate or Certificates, as the case may require, for a like aggregate
Percentage Interest and in such authorized denomination or denominations
as may
be requested. The presentation for transfer or exchange of any Individual
Certificate shall not be valid unless made at the Corporate Trust Office
by the
registered Holder in person, or by a duly authorized
attorney-in-fact.
(h) No
Transfer of a Private Certificate shall be made unless such Transfer is made
pursuant to an effective registration statement under the Securities Act
and any
applicable state securities laws or is exempt from the registration requirements
under the Securities Act and such state securities laws. In the event that
a
Transfer is to be made in reliance upon an exemption from the Securities
Act and
such laws, in order to assure compliance with the Securities Act and such
laws,
the Certificateholder desiring to effect such Transfer and such
Certificateholder’s prospective transferee shall each certify to the Trustee and
the Securities Administrator in writing the facts (or shall be deemed to
certify
in the case of a Book-Entry Certificate) surrounding the Transfer by (x)(i)
the
delivery to the Securities Administrator by the Certificateholder desiring
to
effect such transfer of a certificate substantially in the form set forth in
Exhibit D (the “Transferor Certificate”) and (ii) the delivery by the
Certificateholder’s prospective transferee of (A) a letter in substantially the
form of Exhibit E (the “Investment Letter”) if the prospective transferee is an
Institutional Accredited Investor or (B) a letter in substantially the form
of
Exhibit F (the “Rule 144A and Related Matters Certificate”) if the prospective
transferee is a QIB or (y) there shall be delivered to the Trustee and the
Securities Administrator an Opinion of Counsel addressed to the Trustee and
the
Securities Administrator that such Transfer may be made pursuant to an exemption
from the Securities Act, which Opinion of Counsel shall not be an expense
of the
Depositor, the Sponsor, the Master Servicer, the Securities
Administrator
or the
Trustee. Notwithstanding the provisions of the immediately preceding sentence,
no restrictions shall apply with respect to the transfer or registration
of
transfer of a beneficial interest in any Certificate that is a Global
Certificate of a Class to a transferee that takes delivery in the form of
a
beneficial interest in the Global Certificate of such Class provided that
each
such transferee shall be deemed to have made such representations and warranties
contained in the Rule 144A and Related Matters Certificate as are sufficient
to
establish that it is a QIB. The Depositor shall provide to any Holder of
a
Private Certificate and any prospective transferee designated by any such
Holder, information regarding the related Certificates and the Mortgage Loans
and such other information as shall be necessary to satisfy the condition
to
eligibility set forth in Rule 144A(d)(4) for Transfer of any such Certificate
without registration thereof under the Securities Act pursuant to the
registration exemption provided by Rule 144A. The Trustee, the Securities
Administrator and the Master Servicer shall cooperate with the Depositor
in
providing the Rule 144A information referenced in the preceding sentence,
including providing to the Depositor such information regarding the
Certificates, the Mortgage Loans and other matters regarding the Trust Fund
as
the Depositor shall reasonably request to meet its obligation under the
preceding sentence. Each Holder of a Private Certificate desiring to effect
such
Transfer shall, and does hereby agree to, indemnify the Trustee, the Depositor,
the Sponsor, the Securities Administrator and the Master Servicer against
any
liability that may result if the Transfer is not so exempt or is not made
in
accordance with such federal and state laws.
The
Securities Administrator shall be entitled to rely conclusively on any
certificate required by this Section 7.02 to be executed in connection with
the
transfer of any Certificate, and shall be entitled to presume conclusively
the
continuing accuracy thereof from time to time, in each case without further
inquiry or investigation.
The
Securities Administrator shall not be responsible for ascertaining whether
any
transfer complies with, or for otherwise monitoring or determining compliance
with, the requirements or terms of the 1933 Act, applicable state securities
laws, ERISA or the Code; except that if a Certificate is required by the
terms
of this Section 7.02 to be provided to the Securities Administrator by a
prospective transferor or transferee, the Securities Administrator shall
examine
the same to determine whether it conforms substantially on its face to the
applicable requirements of this Section 7.02 and that if an opinion of counsel
is provided, the Securities Administrator shall examine the same to determine
whether it meets the requirements hereof.
No
Transfer of an ERISA Restricted Certificate or Class B-4 Certificate shall
be
made at any time unless either (i) the transferee of such Certificate provides
a
representation, or is deemed to represent in the case of a Global Certificate,
to the Securities Administrator acceptable to and in form and substance
satisfactory to the Securities Administrator to the effect that such transferee
is not a Plan, or a Person acting on behalf of a Plan or using the assets
of a
Plan, or (ii) in the case of any such Certificate presented for registration
in
the name of a Plan, or a trustee of a Plan or any other person acting on
behalf
of a Plan, the Securities Administrator shall have received an Opinion of
Counsel for the benefit of the Trustee, the Securities Administrator and
the
Master Servicer and on which they may rely, satisfactory to the Securities
Administrator, to the effect that the purchase and holding of such Certificate
are permissible under applicable law, will not result in any prohibited
transactions under ERISA or Section 4975 of the Code and will not subject
the
Trustee, the Securities Administrator, the Master Servicer or the Depositor
to
any obligation in addition to those expressly undertaken in this Agreement,
which Opinion of Counsel shall not be an expense of the Trustee, the Securities
Administrator, the Master Servicer or the Depositor, or (iii) in the case
of a
Class B-4 Certificate, the transferee provides a representation, or is deemed
to
represent in the case of the Global Certificate, or an opinion of counsel
to the
effect that the proposed transfer or holding of such Class B-4 Certificate
and
the servicing, management and operation of the Trust and its assets: (I)
will
not result in any prohibited transaction which is not covered under XXX 00-00,
XXX 00-00, XXX 00-0, XXX 95-60 or PTE 96-23 and (II) will not give rise to
any
obligation on the part of the Depositor, the Master Servicer, the Securities
Administrator or the Trustee in addition to those expressly undertaken in
this
Agreement. Notwithstanding anything else to the contrary herein, any purported
transfer of an ERISA Restricted Certificate to or on behalf of a Plan without
the delivery of the Opinion of Counsel as described above shall be void and
of
no effect; provided that the restriction set forth in this sentence shall
not be
applicable if there has been delivered to the Trustee and the Securities
Administrator an Opinion of Counsel meeting the requirements of clause (ii)
of
the first sentence of this paragraph. Neither the Trustee, the Securities
Administrator nor the Master Servicer shall be required to monitor, determine
or
inquire as to compliance with the transfer restrictions with respect to any
ERISA Restricted Certificate that is a Book-Entry Certificate, and neither
the
Trustee nor the Master Servicer shall have any liability for transfers of
any
such Book-Entry Certificates made through the book-entry facilities of any
Depository or between or among participants of the Depository or Certificate
Owners made in violation of the transfer restrictions set forth herein. Neither
the Trustee, the Securities Administrator nor the Master Servicer shall be
under
any liability to any Person for any registration of transfer of any ERISA
Restricted Certificate that is in fact not permitted by this Section 7.02(h)
or
for making any payments due on such Certificate to the Holder thereof or
taking
any other action with respect to such Holder under the provisions of this
Agreement.
Each
beneficial owner of a Class M Certificate or Class B Certificate (other than
a
Class B-4 Certificate) or any interest therein shall be deemed to have
represented, by virtue of its acquisition or holding of that certificate
or
interest therein, that either (i) it is not a Plan or investing with “Plan
Assets”, (ii) it has acquired and is holding such certificate in reliance on the
Exemption, and that it understands that there are certain conditions to the
availability of the Exemption, including that the certificate must be rated,
at
the time of purchase, not lower than “BBB-” (or its equivalent) by S&P,
Fitch or Xxxxx’x, and the certificate is so rated or (iii) (1) it is an
insurance company, (2) the source of funds used to acquire or hold the
certificate or interest therein is an “insurance company general account,” as
such term is defined in PTE 95-60, and (3) the conditions in Sections I and
III
of PTE 95-60 have been satisfied.
Neither
the Trustee, the Securities Administrator nor the Master Servicer will be
required to monitor, determine or inquire as to compliance with the transfer
restrictions with respect to the Global Certificates. Any attempted or purported
transfer of any Certificate in violation of the provisions of this Section
7.02
shall be void ab initio and such Certificate shall be considered to have
been
held continuously by the prior permitted Certificateholder. Any transferor
of
any Certificate in violation of such provisions, shall indemnify and hold
harmless the Trustee, the Securities Administrator and the Master Servicer
from
and against any and all liabilities, claims, costs or expenses incurred by
the
Trustee, the Securities Administrator or the Master Servicer as a result
of such
attempted or purported transfer. Neither the Securities Administrator shall
have
any liability for transfer of any such Global Certificates in or through
book-entry facilities of any Depository or between or among Depository
Participants or Certificate Owners made in violation of the transfer
restrictions set forth herein. The Securities Administrator shall be entitled,
but not obligated, to recover from any Holder of any ERISA Restricted
Certificate that was in fact a Plan or a Person acting on behalf of a Plan
at
the time it became a Holder or, at such subsequent time as it became a Plan
or
Person acting on behalf of a Plan, all payments made on such ERISA Restricted
Certificate at and after either such time. Any such payments so recovered
by the
Securities Administrator shall be paid and delivered by the Securities
Administrator to the last preceding Holder of such Certificate that is not
a
Plan or Person acting on behalf of a Plan.
(i) Each
Person who has or who acquires any Ownership Interest in a Residual Certificate
shall be deemed by the acceptance or acquisition of such Ownership Interest
to
have agreed to be bound by the following provisions, and the rights of each
Person acquiring any Ownership Interest in a Residual Certificate are expressly
subject to the following provisions:
(i) Each
Person holding or acquiring any Ownership Interest in a Residual Certificate
shall be a Permitted Transferee and shall promptly notify the Securities
Administrator
of any
change or impending change in its status as a Permitted Transferee.
(ii) No
Ownership Interest in a Residual Certificate may be registered on the Closing
Date or thereafter transferred, and the Securities
Administrator
shall
not register the Transfer of any Residual Certificate unless, in addition
to the
certificates required to be delivered to the Securities
Administrator
under
subparagraph (b) above, the Securities
Administrator
shall
have been furnished with an affidavit (a “Transfer Affidavit”) of the initial
owner or the proposed transferee in the form attached hereto as Exhibit
C.
(iii) Each
Person holding or acquiring any Ownership Interest in a Residual Certificate
shall agree (A) to obtain a Transfer Affidavit from any other Person to whom
such Person attempts to Transfer its Ownership Interest in a Residual
Certificate, (B) to obtain a Transfer Affidavit from any Person for whom
such
Person is acting as nominee, trustee or agent in connection with any Transfer
of
a Residual Certificate and (C) not to Transfer its Ownership Interest in
a
Residual Certificate or to cause the Transfer of an Ownership Interest in
a
Residual Certificate to any other Person if it has actual knowledge that
such
Person is not a Permitted Transferee.
(iv) Any
attempted or purported Transfer of any Ownership Interest in a Residual
Certificate in violation of the provisions of this Section 7.02(i) shall
be
absolutely null and void and shall vest no rights in the purported Transferee.
If any purported transferee shall become a Holder of a Residual Certificate
in
violation of the provisions of this Section 7.02(i), then the last preceding
Permitted Transferee shall be restored to all rights as Holder thereof
retroactive to the date of registration of Transfer of such Residual
Certificate. Neither the Securities Administrator nor the Trustee shall be
under
liability to any Person for any registration of Transfer of a Residual
Certificate that is in fact not permitted by Section 7.02(h) and this Section
7.02(i) or for making any payments due on such Certificate to the Holder
thereof
or taking any other action with respect to such Holder under the provisions
of
this Agreement so long as the Transfer was registered after receipt of the
related Transfer Affidavit. The Securities Administrator shall be entitled
but
not obligated to recover from any Holder of a Residual Certificate that was
in
fact not a Permitted Transferee at the time it became a Holder or, at such
subsequent time as it became other than a Permitted Transferee, all payments
made on such Residual Certificate at and after either such time. Any such
payments so recovered by the Securities
Administrator
shall be
paid and delivered by the Securities Administrator to the last preceding
Permitted Transferee of such Certificate.
(v) The
Master Servicer shall make available within 60 days of written request from
the
Securities
Administrator,
all
information necessary to compute any tax imposed under Section 860E(e) of
the
Code as a result of a Transfer of an Ownership Interest in a Residual
Certificate to any Holder who is not a Permitted Transferee.
The
restrictions on Transfers of a Residual Certificate set forth in this Section
7.02(i) shall cease to apply (and the applicable portions of the legend on
a
Residual Certificate may be deleted) with respect to Transfers occurring
after
delivery to the Securities Administrator of an Opinion of Counsel addressed
to
the Securities Administrator, which Opinion of Counsel shall not be an expense
of the Trustee, the Securities Administrator, the Sponsor or the Master Servicer
to the effect that the elimination of such restrictions, or any Transfer
of a
Residual Certificate allowed by such elimination, will not cause REMIC I,
REMIC
II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII, as
applicable, to fail to qualify as a REMIC at any time that the Certificates
are
outstanding or result in the imposition of any tax on the Trust Fund, a
Certificateholder or another Person. Each Person holding or acquiring any
Ownership Interest in a Residual Certificate hereby consents to any amendment
of
this Agreement that, based on an Opinion of Counsel addressed to the Securities
Administrator and furnished to the Securities Administrator, is reasonably
necessary (a) to ensure that the record ownership of, or any beneficial interest
in, a Residual Certificate is not transferred, directly or indirectly, to
a
Person that is not a Permitted Transferee and (b) to provide for a means
to
compel the Transfer of a Residual Certificate that is held by a Person that
is
not a Permitted Transferee to a Holder that is a Permitted
Transferee.
(j) The
preparation and delivery of all certificates and opinions referred to above
in
this Section 7.02 shall not be an expense of the Trust Fund, the Trustee,
the
Depositor, the Sponsor, the Securities
Administrator
or the
Master Servicer.
Section
7.03 Mutilated,
Destroyed, Lost or Stolen Certificates.
If
(a)
any mutilated Certificate is surrendered to the Securities Administrator,
or the
Securities Administrator receives evidence to its satisfaction of the
destruction, loss or theft of any Certificate and of the ownership thereof
and
(b) there is delivered to the Securities Administrator such security or
indemnity as may be required by them to save the Securities Administrator
and
the Trustee harmless, then, in the absence of notice to the Securities
Administrator that such Certificate has been acquired by a bona fide purchaser,
the Securities Administrator shall execute, authenticate and deliver, in
exchange for or in lieu of any such mutilated, destroyed, lost or stolen
Certificate, a new Certificate of like Class, tenor and Percentage Interest.
In
connection with the issuance of any new Certificate under this Section 7.03,
the
Securities Administrator may require the payment of a sum sufficient to cover
any tax or other governmental charge that may be imposed in relation thereto
and
any other expenses (including the fees and expenses of the Securities
Administrator) connected therewith. Any replacement Certificate issued pursuant
to this Section 7.03 shall constitute complete and indefeasible evidence
of
ownership in the Trust Fund, as if originally issued, whether or not the
lost,
stolen or destroyed Certificate shall be found at any time. All Certificates
surrendered to the Securities Administrator under the terms of this Section
7.03
shall be canceled and destroyed by the Securities Administrator in accordance
with its standard procedures without liability on its part.
Section
7.04 Persons
Deemed
Owners.
The
Securities Administrator, the Trustee and any agent of the Securities
Administrator, the Trustee may treat the person in whose name any Certificate
is
registered as the owner of such Certificate for the purpose of receiving
distributions as provided in this Agreement and for all other purposes
whatsoever, and neither the Securities Administrator, the Trustee, nor any
agent
of the Securities Administrator or the Trustee shall be affected by any notice
to the contrary.
Section
7.05 Access
to List
of Certificateholders’ Names and Addresses.
If
three
or more Certificateholders, or in the case of Book-Entry Certificates,
Certificate Owners (a) request such information in writing from the Securities
Administrator, (b) state that such Certificateholders or Certificate Owners
desire to communicate with other Certificateholders or Certificate Owners
with
respect to their rights under this Agreement or under the Certificates, and
(c)
provide a copy of the communication that such Certificateholders or Certificate
Owners propose to transmit or if the Depositor or the Master Servicer shall
request such information in writing from the Securities Administrator, then
the
Securities Administrator shall, within ten Business Days after the receipt
of
such request, provide the Depositor, the Master Servicer or such
Certificateholders or Certificate Owners at such recipients’ expense the most
recent list of the Certificateholders of the Trust Fund held by the Securities
Administrator, if any. The Depositor and every Certificateholder and Certificate
Owner, by receiving and holding a Certificate, agree that the Securities
Administrator shall not be held accountable by reason of the disclosure of
any
such information as to the list of the Certificateholders hereunder, regardless
of the source from which such information was derived.
Section
7.06 Book-Entry
Certificates.
The
Regular Certificates (other than the Class B-4 Certificates and Class C
Certificates), upon original issuance, shall be issued in the form of one
or
more typewritten Certificates representing the Book-Entry Certificates, to
be
delivered to the Depository by or on behalf of the Depositor. Such Certificates
shall initially be registered on the Certificate Register in the name of
the
Depository or its nominee, and no Certificate Owner of such Certificates
will
receive a definitive certificate representing such Certificate Owner’s interest
in such Certificates, except as provided in Section 7.08. Unless and until
definitive, fully registered Certificates (“Definitive Certificates”) have been
issued to the Certificate Owners of such Certificates pursuant to Section
7.08:
(a) the
provisions of this Section shall be in full force and effect;
(b) the
Depositor, the Securities
Administrator
and the
Trustee may deal with the Depository and the Depository Participants for
all
purposes (including the making of distributions) as the authorized
representative of the respective Certificate Owners of such
Certificates;
(c) registration
of the Book-Entry Certificates may not be transferred by the Securities
Administrator except to another Depository;
(d) the
rights of the respective Certificate Owners of such Certificates shall be
exercised only through the Depository and the Depository Participants and
shall
be limited to those established by law and agreements between the Owners
of such
Certificates and the Depository and/or the Depository Participants. Pursuant
to
the Depository Agreement, unless and until Definitive Certificates are issued
pursuant to Section 7.08, the Depository will make book-entry transfers among
the Depository Participants and receive and transmit distributions of principal
and interest on the related Certificates to such Depository
Participants;
(e) the
Depository may collect its usual and customary fees, charges and expenses
from
its Depository Participants;
(f) the
Securities
Administrator
may rely
and shall be fully protected in relying upon information furnished by the
Depository with respect to its Depository Participants; and
(g) to
the
extent that the provisions of this Section conflict with any other provisions
of
this Agreement, the provisions of this Section shall control.
For
purposes of any provision of this Agreement requiring or permitting actions
with
the consent of, or at the direction of, Certificateholders evidencing a
specified percentage of the aggregate unpaid principal amount of any Class
of
Certificates, such direction or consent may be given by Certificate Owners
(acting through the Depository and the Depository Participants) owning
Book-Entry Certificates evidencing the requisite percentage of principal
amount
of such Class of Certificates.
The
Private Certificates shall initially be held in fully registered certificated
form. If at any time the Holders of all of the Certificates of one or more
such
Classes request that the Securities Administrator cause such Class to become
Global Certificates, the Depositor (with the assistance of the Securities
Administrator) will take such action as may be reasonably required to cause
the
Depository to accept such Class or Classes for trading if it may legally
be so
traded. If at anytime there are to be Global Certificates, the Global
Certificates shall be delivered to the Depository by the Depositor or deposited
with the Securities Administrator as custodian for the Depository.
All
transfers by Certificate Owners of such respective Classes of Book-Entry
Certificates and any Global Certificates shall be made in accordance with
the
procedures established by the Depository Participant or brokerage firm
representing such Certificate Owners. Each Depository Participant shall only
transfer Book-Entry Certificates of Certificate Owners it represents or of
brokerage firms for which it acts as agent in accordance with the Depository’s
normal procedures.
Section
7.07 Notices
to
Depository.
Whenever
any notice or other communication is required to be given to Certificateholders
of a Class with respect to which Book-Entry Certificates have been issued,
unless and until Definitive Certificates shall have been issued to the related
Certificate Owners, the Securities Administrator shall give all such notices
and
communications to the Depository.
Section
7.08 Definitive
Certificates.
If,
after
Book-Entry Certificates have been issued with respect to any Certificates,
(a)
the Depositor or the Depository advises the Securities Administrator that
the
Depository is no longer willing or able to discharge properly its
responsibilities under the Depository Agreement with respect to such
Certificates and the Depositor is unable to locate a qualified successor
or (b)
the Depositor, with the consent of Depository Participants, advises the
Securities Administrator that it elects to terminate the book-entry system
with
respect to such Certificates through the Depository, then the Securities
Administrator shall notify all Certificate Owners of such Certificates, through
the Depository, of the occurrence of any such event and of the availability
of
Definitive Certificates to applicable Certificate Owners requesting the same.
The Depositor shall provide the Securities Administrator with an adequate
inventory of certificates to facilitate the issuance and transfer of Definitive
Certificates. Upon surrender to the Securities Administrator of any such
Certificates by the Depository, accompanied by registration instructions
from
the Depository for registration, the Securities Administrator shall countersign
and deliver such Definitive Certificates. Neither the Depositor nor the
Securities Administrator shall be liable for any delay in delivery of such
instructions and each may conclusively rely on, and shall be protected in
relying on, such instructions.
In
addition, if an Event of Default has occurred and is continuing, each
Certificate Owner materially adversely affected thereby may at its option
request a Definitive Certificate evidencing such Certificate Owner’s Voting
Rights in the related Class of Certificates. In order to make such request,
such
Certificate Owner shall, subject to the rules and procedures of the Depository,
provide the Depository or the related Depository Participant with directions
for
the Securities Administrator to exchange or cause the exchange of the
Certificate Owner’s interest in such Class of Certificates for an equivalent
Voting Right in fully registered definitive form. Upon receipt by the Securities
Administrator of instructions from the Depository directing the Securities
Administrator to effect such exchange (such instructions to contain information
regarding the Class of Certificates and the Certificate Principal Balance
being
exchanged, the Depository Participant account to be debited with the decrease,
the registered holder of and delivery instructions for the definitive
Certificate, and any other information reasonably required by the Trustee),
(i)
the Securities Administrator shall instruct the Depository to reduce the
related
Depository Participant’s account by the aggregate Certificate Principal Balance
of the definitive Certificate, (ii) the Securities Administrator shall execute,
authenticate and deliver, in accordance with the registration and delivery
instructions provided by the Depository, a definitive Certificate evidencing
such Certificate Owner’s Voting Rights in such Class of Certificates and (iii)
the Securities Administrator shall execute and authenticate a new Book-Entry
Certificate reflecting the reduction in the Certificate Principal Balance
of
such Class of Certificates by the amount of the definitive
Certificates.
Section
7.09 Maintenanceof
Office or Agency.
The
Securities Administrator will maintain or cause to be maintained at its expense
an office or offices or agency or agencies located at LaSalle Bank National
Association, 000
Xxxxx
XxXxxxx Xxxxxx, Xxxxx 0000, Xxxxxxx, XX 00000, Attn: Global Securities and
Trust
Services Group - SACO 2006-5,
where
Certificates may be surrendered for registration of transfer or exchange.
The
Securities Administrator initially designates its Corporate Trust Office,
as the
office for such purposes. The Securities Administrator will give prompt written
notice to the Certificateholders of any change in such location of any such
office or agency.
ARTICLE
VIII
THE
DEPOSITOR, COMPANY AND THE MASTER SERVICER
Section
8.01 Liabilities
of the
Depositor, the Company and the Master Servicer.
Each
of
the Depositor, the Company and the Master Servicer shall be liable in accordance
herewith only to the extent of the obligations specifically imposed upon
and
undertaken by it herein.
Section
8.02 Merger
or
Consolidation of the Depositor or the Master Servicer.
(a) Each
of
the Depositor, the Company and the Master Servicer will keep in full force
and
effect its existence, rights and franchises as a limited liability company
under
the laws of the state of its formation, a corporation under the laws of the
state of its incorporation or as a national banking association under federal
law, as applicable, and will obtain and preserve its qualification to do
business as a foreign corporation in each jurisdiction in which such
qualification is or shall be necessary to protect the validity and
enforceability of this Agreement, the Certificates or any of the Mortgage
Loans
and to perform its duties under this Agreement.
(b) Any
Person into which the Depositor, the Company or the Master Servicer may be
merged or consolidated, or any corporation resulting from any merger or
consolidation to which the Depositor, the Company or the Master Servicer
shall
be a party, or any Person succeeding to the business of the Depositor, the
Company or the Master Servicer, shall be the successor of the Depositor,
the
Company or the Master Servicer hereunder, without the execution or filing
of any
paper or further act on the part of any of the parties hereto, anything herein
to the contrary notwithstanding.
Section
8.03 Indemnification
of the
Trustee, the Master Servicer, the Securities Administrator.
(a) The
Master Servicer agrees to indemnify the Indemnified Persons for, and to hold
them harmless against, any loss, liability or expense (including reasonable
legal fees and disbursements of counsel) incurred on their part that may
be
sustained in connection with, arising out of, or relating to, any claim or
legal
action (i) related to the Master Servicer’s failure to perform its duties in
compliance with this Agreement (except as any such loss, liability or expense
shall be otherwise reimbursable pursuant to this Agreement) or (ii) incurred
by
reason of the Master Servicer’s willful misfeasance, bad faith or gross
negligence in the performance of duties hereunder or by reason of reckless
disregard of obligations and duties hereunder, provided, in each case, that
with
respect to any such claim or legal action (or pending or threatened claim
or
legal action), the affected Indemnified Person shall have given the Master
Servicer and EMC written notice thereof promptly after such Person shall
have
with respect to such claim or legal action knowledge thereof; provided, however
that the failure to give such notice shall not relieve the Master Servicer
of
its indemnification obligations hereunder except to the extent the Master
Servicer is prejudiced thereby. This indemnity shall survive the resignation
or
removal of the Trustee, Master Servicer or the Securities Administrator and
the
termination of this Agreement.
(b) The
Company agrees to indemnify the Indemnified Persons and to hold them harmless
from and against any and all claims, losses, damages, penalties, fines,
forfeitures, legal fees and related costs, judgments, and any other costs,
fees
and expenses that the Indemnified Persons may sustain in any way related
to the
failure of the Company to perform in any way its duties hereunder and service
the EMC Mortgage Loans in strict compliance with the terms of this Agreement
and
for breach of any representation or warranty of the Company contained herein.
The Company shall immediately notify the Master Servicer and the Trustee
if a
claim is made by a third party with respect to this Agreement or the EMC
Mortgage Loans, assume (with the consent of the Master Servicer and the Trustee
and with counsel reasonably satisfactory to the Master Servicer and the Trustee)
the defense of any such claim and pay all expenses in connection therewith,
including counsel fees, and promptly pay, discharge and satisfy any judgment
or
decree which may be entered against it or any Indemnified Person in respect
of
such claim but failure to so notify the Company shall not limit its obligations
hereunder. The Company agrees that it will not enter into any settlement
of any
such claim without the consent of the Indemnified Persons unless such settlement
includes an unconditional release of such Indemnified Persons from all liability
that is the subject matter of such claim. The provisions of this Section
8.03(b)
shall survive termination of this Agreement.
(c) EMC
will
indemnify any Indemnified Person for any loss, liability or expense of any
Indemnified Person not otherwise paid or covered pursuant to Subsection (b)
above. Such indemnification shall survive termination of this
Agreement.
Section
8.04 Limitations
on
Liability of the Depositor, the Company, the Master Servicer and
Others.
(a) Subject
to the obligation of the Sponsor, the Company and the Master Servicer to
indemnify the Indemnified Persons pursuant to Section 8.03, neither the
Depositor, the Company, the Master Servicer nor any of the directors, officers,
employees or agents of the Depositor, the Company and the Master Servicer
shall
be under any liability to the Indemnified Persons, the Trust Fund or the
Certificateholders for taking any action or for refraining from taking any
action in good faith pursuant to this Agreement, or for errors in judgment;
provided, however, that this provision shall not protect the Depositor, the
Company, the Master Servicer or any such Person against any breach of warranties
or representations made herein or any liability which would otherwise be
imposed
by reason of such Person’s willful misfeasance, bad faith or gross negligence in
the performance of duties or by reason of reckless disregard of obligations
and
duties hereunder.
(b) The
Depositor, the Company, the Master Servicer and any director, officer, employee
or agent of the Depositor, the Company and the Master Servicer may rely in
good
faith on any document of any kind prima facie properly executed and submitted
by
any Person respecting any matters arising hereunder.
(c) The
Depositor, the Company, the Master Servicer, the Securities Administrator,
the
Trustee, each Custodian, LaSalle Bank National Association in its individual
capacity and any director, officer, employee or agent of the Depositor, the
Company, the Master Servicer, the Securities Administrator, the Trustee and
each
Custodian shall be indemnified by the Trust and held harmless thereby against
any loss, liability or expense (including reasonable legal fees and
disbursements of counsel) incurred on their part that may be sustained in
connection with, arising out of, or related to, any claim or legal action
(including any pending or threatened claim or legal action) relating to,
or the
performance of its obligations under, this Agreement, the Assignment Agreement,
the Custodial Agreements, the Certificates or Servicing Agreements, other
than
(i) in the case of the Company, the Master Servicer or the Securities
Administrator, any such loss, liability or expense related to the Company’s or
the Master Servicer’s or Securities Administrator’s failure to perform its
respective duties in compliance with this Agreement or (ii) in the case of
the
Company, the Master Servicer or the Securities Administrator, any such loss,
liability or expense incurred by reason of the Company’s or the Master
Servicer’s or the Securities Administrator’s willful misfeasance, bad faith or
gross negligence in the performance of duties hereunder, or by reason of
reckless disregard of obligations and duties hereunder or under the Custodial
Agreement, as applicable, (iii) in the case of the Trustee, any such loss,
liability or expense incurred by reason of the Trustee’s willful misfeasance,
bad faith or negligence in the performance of its duties hereunder, or by
reason
of its reckless disregard of obligations and duties hereunder and (iv) in
the
case of either Custodian, any such loss, liability or expense incurred by
reason
of such Custodian’s willful misfeasance, bad faith or negligence in the
performance of its duties under the related Custodial Agreement, or by reason
of
its reckless disregard of obligations and duties thereunder. Such
indemnification shall survive termination of this Agreement.
(d) Neither
the Depositor, the Company nor the Master Servicer shall be under any obligation
to appear in, prosecute or defend any legal action that is not incidental
to its
duties under this Agreement and that in its opinion may involve it in any
expense or liability; provided, however, the Master Servicer may in its
discretion, undertake any such action which it may deem necessary or desirable
with respect to this Agreement and the rights and duties of the parties hereto
and the interests of the Certificateholders hereunder. In such event, the
legal
expenses and costs of such action and any liability resulting therefrom (except
any loss, liability or expense incurred by reason of willful misfeasance,
bad
faith or negligence in the performance of duties hereunder or by reason of
reckless disregard of obligations and duties hereunder) shall be expenses,
costs
and liabilities of the Trust Fund, and the Master Servicer shall be entitled
to
be reimbursed therefor out of the Master Servicer Collection Account as provided
by Section 5.02. Nothing in this Subsection 8.04(d) shall affect the Master
Servicer’s obligation to master service the Mortgage Loans pursuant to Section
4.01.
(e) In
taking
or recommending any course of action pursuant to this Agreement, unless
specifically required to do so pursuant to this Agreement, the Master Servicer
shall not be required to investigate or make recommendations concerning
potential liabilities which the Trust might incur as a result of such course
of
action by reason of the condition of the Mortgaged Properties but shall give
notice to the Trustee if it has notice of such potential
liabilities.
(f) The
Master Servicer shall not be liable for any acts or omissions of the Company
or
the related Servicers.
(g) The
Master Servicer may perform any of its duties hereunder or exercise its rights
hereunder either directly of through Affiliates, agents or
attorneys.
Section
8.05 Master
Servicer
and Company Not to Resign.
(a) Except
as
provided in Section 8.07, the Master Servicer shall not resign from the
obligations and duties hereby imposed on it except (i) with the prior consent
of
the Trustee (which
consent shall not be unreasonably withheld or delayed)
or (ii)
upon a determination that any such duties hereunder are no longer permissible
under applicable law and such impermissibility cannot be cured. Any such
determination permitting the resignation of the Master Servicer shall be
evidenced by an Opinion of Counsel, addressed to and delivered to, the Trustee.
No such resignation by the Master Servicer shall become effective until the
Trustee or a successor to the Master Servicer reasonably satisfactory to
the
Trustee shall have assumed the responsibilities and obligations of the Master
Servicer in accordance with Section 9.02 hereof. The Trustee shall notify
each
Rating Agency of the resignation of the Master Servicer.
(b) The
Company shall not resign from the obligations and duties hereby imposed on
it
except (i) upon the assignment of its servicing duties with respect to all
or a
portion of the EMC Mortgage Loans to an institution that is a Xxxxxx Xxx
and
Xxxxxxx Mac approved seller/servicer in good standing that has a net worth
of
not less than $10,000,000 and with the prior written consent of the Master
Servicer (which consent shall not be unreasonably withheld or delayed) or
(ii)
upon the determination that its duties hereunder are no longer permissible
under
applicable law and such incapacity cannot be cured by the Company. Any
determination permitting the resignation of the Company shall be evidenced
by an
Opinion of Counsel to such effect addressed to and delivered, to the Master
Servicer and the Trustee which Opinion of Counsel shall be in form and substance
acceptable to the Master Servicer and the Trustee. No appointment of a successor
to the Company shall be effective hereunder unless (a) the Rating Agencies
have
confirmed in writing that such appointment will not result in a downgrade,
qualification or withdrawal of the then current ratings assigned to the
Certificates, (b) such successor shall have represented that it is meets
the
eligibility criteria set forth in clause (i) above, and (c) such successor
has
agreed to assume the obligations of the Company hereunder to the extent of
the
EMC Mortgage Loans to be serviced by such successor. The Company shall provide
a
copy of the written confirmation of the Rating Agencies and the agreement
executed by such successor to the Master Servicer and the Trustee. No such
resignation shall become effective until a qualified successor or the Master
Servicer shall have assumed the Company’s responsibilities and obligations
hereunder. The Company shall notify the Master Servicer, the Trustee and
the
Rating Agencies of the resignation of the Company or the assignment of all
or a
portion of its servicing duties hereunder in accordance with this Section
8.05.
Section
8.06 Successor
Master
Servicer.
In
connection with the appointment of any successor Master Servicer or the
assumption of the duties of the Master Servicer, EMC or the Trustee may make
such arrangements for the compensation of such successor master servicer
out of
payments on the Mortgage Loans as EMC or the Trustee and such successor master
servicer shall agree. If the successor master servicer does not agree that
such
market value is a fair price, such successor master servicer shall obtain
two
quotations of market value from third parties actively engaged in the servicing
of single-family mortgage loans. In no event shall the compensation of any
successor master servicer exceed that permitted the Master Servicer hereunder
without the consent of all of the Certificateholders.
Section
8.07 Sale
and
Assignment of Master Servicing.
The
Master Servicer may sell and assign its rights and delegate its duties and
obligations in their entirety as Master Servicer under this Agreement and
EMC
may terminate the Master Servicer without cause and select a new Master
Servicer; provided, however, that: (i) the purchaser or transferee accepting
such assignment and delegation (a) shall be a Person which shall be qualified
to
service mortgage loans for Xxxxxx Mae or Xxxxxxx Mac; (b) shall have a net
worth
of not less than $15,000,000 (unless otherwise approved by each Rating Agency
pursuant to clause (ii) below) and meets the eligibility requirements herein
to
serve as Master Servicer and Securities Administrator; (c) shall be reasonably
satisfactory to the Trustee (as evidenced in a writing signed by the Trustee);
and (d) shall execute and deliver to the Trustee an agreement, in form and
substance reasonably satisfactory to the Trustee, which contains an assumption
by such Person of the due and punctual performance and observance of each
responsibility, covenant and condition of the Master Servicer and the Securities
Administrator under this Agreement and each Custodial Agreement from and
after
the effective date of such assumption agreement; (ii) each Rating Agency
shall
be given prior written notice of the identity of the proposed successor to
the
Master Servicer and each Rating Agency’s rating of the Certificates in effect
immediately prior to such assignment, sale and delegation will not be
downgraded, qualified or withdrawn as a result of such assignment, sale and
delegation, as evidenced by a letter to such effect delivered to the Master
Servicer, the Trustee; and (iii) the Master Servicer assigning and selling
the
master servicing shall deliver to the Trustee an Officer’s Certificate and an
Opinion of Counsel addressed to the Trustee, each stating that all conditions
precedent to such action under this Agreement have been satisfied and such
action is permitted by and complies with the terms of this
Agreement.
ARTICLE
IX
DEFAULT;
TERMINATION OF MASTER SERVICER; TERMINATION OF COMPANY
Section
9.01 Eventsof
Default.
“Event
of
Default,” wherever used herein, means any one of the following
events:
(i) any
failure by the Master Servicer to remit to the Securities Administrator any
amounts received or collected by the Master Servicer in respect of the Mortgage
Loans and required to be remitted by it hereunder (other than any Advance),
which failure shall continue unremedied for one Business Day after the date
on
which written notice of such failure shall have been given to the Master
Servicer by the Trustee or the Depositor, or to the Trustee and the Master
Servicer by the Holders of Certificates evidencing not less than 25% of the
Voting Rights evidenced by the Certificates; or
(ii) any
failure by the Master Servicer to observe or perform in any material respect
any
other of the covenants or agreements on the part of the Master Servicer
contained in this Agreement or any breach of a representation or warranty
by the
Master Servicer, which failure or breach shall continue unremedied for a
period
of 60 days after the date on which written notice of such failure shall have
been given to the Master Servicer by the Trustee or the Depositor, or to
the
Trustee and the Master Servicer by the Holders of Certificates evidencing
not
less than 25% of the Voting Rights evidenced by the Certificates;
or
(iii) a
decree
or order of a court or agency or supervisory authority having jurisdiction
in
the premises for the appointment of a receiver or liquidator in any insolvency,
readjustment of debt, marshalling of assets and liabilities or similar
proceedings, or for the winding-up or liquidation of its affairs, shall have
been entered against the Master Servicer and such decree or order shall have
remained in force undischarged or unstayed for a period of 60 consecutive
days;
or
(iv) the
Master Servicer shall consent to the appointment of a receiver or liquidator
in
any insolvency, readjustment of debt, marshalling of assets and liabilities
or
similar proceedings of or relating to the Master Servicer or all or
substantially all of the property of the Master Servicer; or
(v) the
Master Servicer shall admit in writing its inability to pay its debts generally
as they become due, file a petition to take advantage of, or commence a
voluntary case under, any applicable insolvency or reorganization statute,
make
an assignment for the benefit of its creditors, or voluntarily suspend payment
of its obligations; or
(vi) the
Master Servicer assigns or delegates its duties or rights under this Agreement
in contravention of the provisions permitting such assignment or delegation
under Sections 8.05 or 8.07;
(vii) The
Master Servicer fails to deposit or cause to be deposited in the Distribution
Account any Advance (other than a Nonrecoverable Advance) by 5:00 p.m. New
York
City time on the first Business Day preceding the Distribution Date;
or
(viii) failure
by the Master Servicer to duly perform, within the required time period,
its
obligations under Sections 3.16, 3.17 or 3.19 which failure continues unremedied
at the end of the cure period set forth under such Sections.
If
an
Event of Default shall occur, then, and in each and every such case, so long
as
such Event of Default shall not have been remedied, the Trustee may, and
at the
written direction of the Holders of Certificates evidencing not less than
25% of
the Voting Rights evidenced by the Certificates or at the written direction
of
the Trustee shall in the case of any Event of Default described in clauses
(i)
through (vii) above, by notice in writing to the Master Servicer and the
Swap
Provider, with a copy to each
Rating
Agency may,
terminate all of the rights and obligations (but not the liabilities) of
the
Master Servicer (and the Securities Administrator if the Master Servicer
and the
Securities Administrator are the same entity) under this Agreement and in
and to
the Mortgage Loans and the proceeds thereof, other than its rights as a
Certificateholder hereunder. On or after the receipt by the Master Servicer
of
such written notice, all authority and power of the Master Servicer (and,
if
applicable, the Securities Administrator) hereunder, whether with respect
to the
Mortgage Loans or otherwise, shall pass to and be vested in the Trustee,
or any
successor Master Servicer appointed pursuant to Section 9.02 (a “Successor
Master Servicer” and, if applicable, “Successor Securities Administrator”). Such
Successor Master Servicer shall thereupon if such Successor Master Servicer
is a
successor to the Master Servicer, make any Advance required by Article IV,
subject, in the case of the Trustee, to Section 9.02. The Trustee is hereby
authorized and empowered to execute and deliver, on behalf of the terminated
Master Servicer and, if applicable, the terminated Securities Administrator,
as
attorney- in-fact or otherwise, any and all documents and other instruments,
and
to do or accomplish all other acts or things necessary or appropriate to
effect
the purposes of such notice of termination, whether to complete the transfer
and
endorsement or assignment of any Mortgage Loans and related documents, or
otherwise. Unless expressly provided in such written notice, no such termination
shall affect any obligation of the Master Servicer to pay amounts owed pursuant
to Article VIII or Article X. The Master Servicer and, if applicable, the
Securities Administrator agrees to cooperate with the Trustee in effecting
the
termination of the Master Servicer’s and, if applicable, the Securities
Administrator’s responsibilities and rights hereunder, including, without
limitation, the transfer to the applicable Successor Master Servicer of all
cash
amounts which shall at the time be credited to the Master Servicer Collection
Account maintained pursuant to Section 5.05, or thereafter be received with
respect to the applicable Mortgage Loans. The Trustee shall promptly notify
each
Rating
Agency
of the
occurrence of an Event of Default actually known to a Responsible Officer
of the
Trustee.
Notwithstanding
any termination of the activities of the Master Servicer hereunder, the Master
Servicer shall be entitled to receive, out of any late collection of a Scheduled
Payment on a Mortgage Loan that was due prior to the notice terminating the
Master Servicer’s rights and obligations as Master Servicer hereunder and
received after such notice, that portion thereof to which the Master Servicer
would have been entitled pursuant to Section 5.02 and to receive any other
amounts payable to the Master Servicer hereunder the entitlement to which
arose
prior to the termination of its activities hereunder.
Notwithstanding
the foregoing, if an Event of Default described in clause (vii) of this Section
9.01 shall occur, the Trustee shall, by notice in writing to the Master
Servicer, which may be delivered by telecopy, immediately terminate all of
the
rights and obligations of the Master Servicer thereafter arising under this
Agreement, but without prejudice to any rights it may have as a Holder of
the
Certificates or to reimbursement of Monthly Advances and other advances of
its
own funds, and the Trustee shall act as provided in Section 9.02 to carry
out
the duties of the Master Servicer, including the obligation to make any Monthly
Advance the nonpayment of which was an Event of Default described in clause
(vii) of this Section 9.01. Any such action taken by the Trustee must be
prior
to the distribution on the relevant Distribution Date.
Section
9.02 Trustee
to Act;
Appointment of Successor.
On
and
after the time the Master Servicer receives a notice of termination pursuant
to
Section 9.01 hereof the Trustee shall automatically become the successor
to the
Master Servicer with respect to the transactions set forth or provided for
herein and after a transition period (not to exceed 90 days), shall be subject
to all the responsibilities, duties and liabilities relating thereto placed
on
the Master Servicer by the terms and provisions hereof; provided, however,
that
the
Company shall have the right to either (a) immediately assume the duties
of the
Master Servicer or (b) select a successor Master Servicer;
provided, further, however that, pursuant to Article V hereof, the Trustee
in
its capacity as successor Master Servicer shall be responsible for making
any
Advances required to be made by the Master Servicer immediately upon the
termination of the Master Servicer and any such Advance shall be made on
the
Distribution Date on which such Advance was required to be made by the
predecessor Master Servicer. Effective on the date of such notice of
termination, as compensation therefor, the Trustee shall be entitled to all
compensation, reimbursement of expenses and indemnification that the Master
Servicer would have been entitled to if it had continued to act hereunder,
provided, however, that the Trustee shall not be (i) liable for any acts
or
omissions of the Master Servicer, (ii) obligated to make Advances if it is
prohibited from doing so under applicable law, (iii) responsible for expenses
of
the Master Servicer pursuant to Section 2.03 or (iv) obligated to deposit
losses
on any Permitted Investment directed by the Master Servicer. Notwithstanding
the
foregoing, the Trustee may, if it shall be unwilling to so act, or shall,
if it
is prohibited by applicable law from making Advances pursuant to Article
VI or
if it is otherwise unable to so act, appoint, or petition a court of competent
jurisdiction to appoint, any established mortgage loan servicing institution
the
appointment of which does not adversely affect the then current rating of
the
Certificates by each
Rating
Agency
as the
successor to the Master Servicer hereunder in the assumption of all or any
part
of the responsibilities, duties or liabilities of the Master Servicer hereunder.
Any Successor Master Servicer shall (i) be an institution that is a Xxxxxx
Xxx
and Xxxxxxx Mac approved seller/servicer in good standing, that has a net
worth
of at least $15,000,000, and (ii) be willing to act as successor servicer
of any
Mortgage Loans under this Agreement or the related Servicing Agreement with
respect to which the Company or the original Servicer has been terminated
as
servicer, and shall have executed and delivered to the Depositor and the
Trustee
an agreement accepting such delegation and assignment, that contains an
assumption by such Person of the rights, powers, duties, responsibilities,
obligations and liabilities of the Master Servicer (other than any liabilities
of the Master Servicer hereof incurred prior to termination of the Master
Servicer under Section 9.01 or as otherwise set forth herein), with like
effect
as if originally named as a party to this Agreement, provided that each Rating
Agency shall have acknowledged in writing that its rating of the Certificates
in
effect immediately prior to such assignment and delegation will not be qualified
or reduced as a result of such assignment and delegation. If the Trustee
assumes
the duties and responsibilities of the Master Servicer in accordance with
this
Section 9.02, the Trustee shall not resign as Master Servicer until a Successor
Master Servicer has been appointed and has accepted such appointment. Pending
appointment of a successor to the Master Servicer hereunder, the Trustee,
unless
the Trustee is prohibited by law from so acting, shall act in such capacity
as
hereinabove provided. In connection with such appointment and assumption,
the
Trustee may make such arrangements for the compensation of such successor
out of
payments on Mortgage Loans or otherwise as it and such successor shall agree;
provided that no such compensation unless agreed to by the Certificateholders
shall be in excess of that permitted the Master Servicer hereunder. The Trustee
and such successor shall take such action, consistent with this Agreement,
as
shall be necessary to effectuate any such succession. Neither the Trustee
nor
any other Successor Master Servicer shall be deemed to be in default hereunder
by reason of any failure to make, or any delay in making, any distribution
hereunder or any portion thereof or any failure to perform, or any delay
in
performing, any duties or responsibilities hereunder, in either case caused
by
the failure of the Master Servicer and the Securities Administrator to deliver
or provide, or any delay in delivering or providing, any monies, information,
documents or records to it.
The
costs
and expenses of the Trustee in connection with the termination of the Master
Servicer, appointment of a Successor Master Servicer and, if applicable,
any
transfer of master servicing, including, without limitation, all costs and
expenses associated with the complete transfer of all master servicing data
and
the completion, correction or manipulation of such master servicing data
as may
be required by the Trustee to correct any errors or insufficiencies in the
master servicing data or otherwise to enable the Trustee or the Successor
Master
Servicer to master service the Mortgage Loans properly and effectively, to
the
extent not previously paid by the terminated Master Servicer, shall be payable
to the Trustee pursuant to Section 10.05 and shall not be subject to the
cap on
Extraordinary Trust Fund Expenses.
Section
9.03 Notification
to
Certificateholders.
(a) Upon
any
termination of or appointment of a successor to the Master Servicer, the
Trustee
shall give prompt written notice thereof to Certificateholders and to each
Rating Agency.
(b) Within
60
days after the occurrence of any Event of Default, the Trustee shall transmit
by
mail to all Certificateholders and the Swap Provider notice of each such
Event
of Default hereunder actually known to a Responsible Officer of the Trustee,
unless such Event of Default shall have been cured or waived.
Section
9.04 Waiver
of
Defaults.
The
Trustee shall transmit by mail to all Certificateholders and the Swap Provider,
within 60 days after the occurrence of any Event of Default actually known
to a
Responsible Officer of the Trustee, unless such Event of Default shall have
been
cured, notice of each such Event of Default hereunder known to the Trustee.
The
Holders of Certificates evidencing not less than 51% of the Voting Rights
may,
on
behalf of all Certificateholders, waive any default by the Master Servicer
in
the performance of its obligations hereunder and the consequences thereof,
except a default in the making of or the causing to be made of any required
remittances to the Securities Administrator. Upon any such waiver of a past
default, such default shall be deemed to cease to exist, and any Event of
Default arising therefrom shall be deemed to have been timely remedied for
every
purpose of this Agreement. No such waiver shall extend to any subsequent
or
other default or impair any right consequent thereon except to the extent
expressly so waived. The Trustee shall give notice of any such waiver to
each
Rating
Agency.
Section
9.05 Company
Default.
In
case
one or more of the following events of default by the Company (each, a “Company
Default”) shall occur and be continuing, that is to say:
(i) any
failure by the Company to remit to the Master Servicer any payment required
to
be made under the terms of this Agreement on any Remittance Date;
or
(ii) failure
on the part of the Company duly to observe or perform in any material respect
any other of the covenants or agreements (other than Sections 3.16 or 3.17)
on
the part of the Company set forth in this Agreement, the breach of which
has a
material adverse effect and which continue unremedied for a period of sixty
days
(except that such number of days shall be fifteen in the case of a failure
to
pay any premium for any insurance policy required to be maintained under
this
Agreement and such failure shall be deemed to have a material adverse effect)
after the date on which written notice of such failure, requiring the same
to be
remedied, shall have been given to the Company by the Master Servicer;
or
(iii) a
decree
or order of a court or agency or supervisory authority having jurisdiction
for
the appointment of a conservator or receiver or liquidator in any insolvency,
bankruptcy, readjustment of debt, marshaling of assets and liabilities or
similar proceedings, or for the winding-up or liquidation of its affairs,
shall
have been entered against the Company and such decree or order shall have
remained in force undischarged or unstayed for a period of sixty days;
or
(iv) the
Company shall consent to the appointment of a conservator or receiver or
liquidator in any insolvency, bankruptcy, readjustment of debt, marshaling
of
assets and liabilities or similar proceedings of or relating to the Company
or
of or relating to all or substantially all of its property; or
(v) the
Company shall admit in writing its inability to pay its debts generally as
they
become due, file a petition to take advantage of any applicable insolvency
or
reorganization statute, make an assignment for the benefit of its creditors,
or
voluntarily suspend payment of its obligations; or
(vi) the
Company attempts to assign its right to servicing compensation hereunder
or the
Company attempts to sell or otherwise dispose of all or substantially all
of its
property or assets or to assign this Agreement or the servicing responsibilities
hereunder or to delegate its duties hereunder or any portion thereof except
as
otherwise permitted herein; or
(vii) the
Company ceases to be qualified to transact business in any jurisdiction where
it
is currently so qualified, but only to the extent such non-qualification
materially and adversely affects the Company’s ability to perform its
obligations hereunder; or
(viii) failure
by the Company to duly perform, within the required time period, its obligations
under Section 3.16 or Section 3.17;
then,
and
in each and every such case, so long as a Company Default shall not have
been
remedied, the Master Servicer, by notice in writing to the Company may, in
addition to whatever rights the Master Servicer and the Trustee on behalf
of the
Certificateholders may have under Section 8.03 and at law or equity to damages,
including injunctive relief and specific performance, terminate all the rights
and obligations of the Company under this Agreement and in and to the EMC
Mortgage Loans and the proceeds thereof without compensating the Company
for the
same. On or after the receipt by the Company of such written notice, all
authority and power of Company under this Agreement, whether with respect
to the
EMC Mortgage Loans or otherwise, shall pass to and be vested in the Master
Servicer after a transition period (not to exceed 90 days). Upon written
request
from the Master Servicer, the Company shall prepare, execute and deliver,
any
and all documents and other instruments, place in the Master Servicer’s
possession all Mortgage Files relating to the EMC Mortgage Loans, and do
or
accomplish all other acts or things necessary or appropriate to effect the
purposes of such notice of termination, whether to complete the transfer
and
endorsement or assignment of the EMC Mortgage Loans and related documents,
or
otherwise, at the Company’s sole expense. The Company agrees to cooperate with
the Master Servicer in effecting the termination of the Company’s
responsibilities and rights hereunder, including, without limitation, the
transfer to such successor for administration by it of all cash amounts which
shall at the time be credited by the Company to its Protected Account or
Escrow
Account or thereafter received with respect to the EMC Mortgage Loans or
any
related REO Property.
The
costs
and expenses of the Master Servicer in connection with the termination of
the
Company, appointment of a successor to the Company, and, if applicable, any
transfer of servicing, including, without limitation, all costs and expenses
associated with the complete transfer of all servicing data and the completion,
correction or manipulation of such servicing data as may be required by the
Master Servicer or other successor to the Company to correct any errors or
insufficiencies in the servicing data or otherwise to enable the Master Servicer
or such successor to service the related Mortgage Loans properly and
effectively, to the extent not previously paid by the terminated Company,
shall
be payable to the Master Servicer or such successor pursuant to Section 5.07
and
shall not be subject to the cap on Extraordinary Trust Fund
Expenses.
Section
9.06 Waiver
of
Company Defaults.
The
Master Servicer, may waive only by written notice any default by the Company
in
the performance of its obligations hereunder and its consequences. Upon any
such
waiver of a past default, such default shall cease to exist, and any Company
Default arising therefrom shall be deemed to have been remedied for every
purpose of this Agreement. No such waiver shall extend to any subsequent
or
other default or impair any right consequent thereon except to the extent
expressly so waived in writing.
ARTICLE
X
CONCERNING
THE TRUSTEE AND THE SECURITIES ADMINISTRATOR
Section
10.01 Duties
of
Trustee and the Securities Administrator.
(a) The
Trustee, prior to the occurrence of an Event of Default and after the curing
or
waiver of all Events of Default which may have occurred, and the Securities
Administrator each undertake to perform such duties and only such duties
as are
specifically set forth in this Agreement as duties of the Trustee and the
Securities Administrator, respectively. If an Event of Default has occurred
and
has not been cured or waived, the Trustee shall exercise such of the rights
and
powers vested in it by this Agreement, and the same degree of care and skill
in
their exercise, as a prudent person would exercise under the circumstances
in
the conduct of such Person’s own affairs.
(b) Upon
receipt of all resolutions, certificates, statements, opinions, reports,
documents, orders or other instruments which are specifically required to
be
furnished to the Trustee or the Securities Administrator pursuant to any
provision of this Agreement, the Trustee or the Securities Administrator,
respectively, shall examine them to determine whether they are in the form
required by this Agreement; provided, however, that neither the Trustee or
the
Securities Administrator shall be responsible for the accuracy or content
of any
resolution, certificate, statement, opinion, report, document, order or other
instrument furnished by the Master Servicer or pursuant to any provision
of this
Agreement; provided, further, that neither the Trustee nor the Securities
Administrator shall be responsible for the accuracy or verification of any
calculation provided to it pursuant to this Agreement.
(c) On
each
Distribution Date, the Securities Administrator shall make monthly distributions
and the final distribution to the related Certificateholders from related
funds
in the Distribution Account as provided in Sections 6.04 and 11.01
herein.
(d) No
provision of this Agreement shall be construed to relieve the Trustee or
the
Securities Administrator from liability for its own negligent action, its
own
negligent failure to act or its own willful misconduct; provided, however,
that:
(i) Prior
to
the occurrence of an Event of Default, and after the curing or waiver of
all
such Events of Default which may have occurred with respect to the Trustee
and
at all times with respect to the Securities Administrator, the duties and
obligations of the Trustee and the Securities Administrator shall be determined
solely by the express provisions of this Agreement, neither the Trustee nor
the
Securities Administrator shall be liable except for the performance of their
respective duties and obligations as are specifically set forth in this
Agreement, no implied covenants or obligations shall be read into this Agreement
against the Trustee or the Securities Administrator and, in the absence of
bad
faith on the part of the Trustee or the Securities Administrator, respectively,
the Trustee or the Securities Administrator, respectively, may conclusively
rely, as to the truth of the statements and the correctness of the opinions
expressed therein, upon any certificates or opinions furnished to the Trustee
or
the Securities Administrator, respectively, and conforming to the requirements
of this Agreement;
(ii) Neither
the Trustee nor the Securities Administrator shall be liable in its individual
capacity for an error of judgment made in good faith by a Responsible Officer
or
Responsible Officers of the Trustee or the Securities Administrator,
respectively, unless it shall be proved that the Trustee or the Securities
Administrator, respectively, was negligent in ascertaining the pertinent
facts;
(iii) Neither
the Trustee nor the Securities Administrator shall be liable with respect
to any
action taken, suffered or omitted to be taken by it in good faith in accordance
with the directions of the Holders of Certificates evidencing not less than
25%
of the aggregate Voting Rights of the Certificates (or such other percentage
as
specifically set forth herein), if such action or non-action relates to the
time, method and place of conducting any proceeding for any remedy available
to
the Trustee or the Securities Administrator, respectively, or exercising
any
trust or other power conferred upon the Trustee or the Securities Administrator,
respectively, under this Agreement;
(iv) The
Trustee shall not be required to take notice or be deemed to have notice
or
knowledge of any default or Event of Default unless a Responsible Officer
of the
Trustee shall have actual knowledge thereof. In the absence of such knowledge,
the Trustee may conclusively assume there is no such default or Event of
Default;
(v) Anything
in this Agreement to the contrary notwithstanding, in no event shall the
Trustee
or the Securities Administrator be liable for special, indirect or consequential
loss or damage of any kind whatsoever (including but not limited to lost
profits), even if the Trustee or the Securities Administrator, respectively,
has
been advised of the likelihood of such loss or damage and regardless of the
form
of action; and
(vi) None
of
the Securities Administrator, the Master Servicer, the Sponsor, the Depositor,
the Trustee or the Custodians shall be responsible for the acts or omissions
of
the other, it being understood that this Agreement shall not be construed
to
render them partners, joint venturers or agents of one another.
Neither
the Trustee nor the Securities
Administrator
shall be
required to expend or risk its own funds or otherwise incur financial liability
in the performance of any of its duties hereunder, or in the exercise of
any of
its rights or powers, if there is reasonable ground for believing that the
repayment of such funds or adequate indemnity against such risk or liability
is
not reasonably assured to it, and none of the provisions contained in this
Agreement shall in any event require the Trustee or the Securities
Administrator
to
perform, or be responsible for the manner of performance of, any of the
obligations of the Master Servicer or the Company hereunder or the related
Servicer under the related Servicing Agreement. The Trustee is here by
authorized and directed to enter into the Assignment Agreements.
(e) All
funds
received by the Securities Administrator and required to be deposited in
the
Distribution Account pursuant to this Agreement will be promptly so deposited
by
the Securities Administrator.
Section
10.02 Certain
Matters
Affecting the Trustee and the Securities Administrator.
(a) Except
as
otherwise provided in Section 10.01:
(i) The
Trustee and the Securities Administrator may rely and shall be protected
in
acting or refraining from acting in reliance on any resolution or certificate
of
the Depositor, the Sponsor, the Company or the Master Servicer or the related
Servicer, any certificates of auditors or any other certificate, statement,
instrument, opinion, report, notice, request, consent, order, appraisal,
bond or
other paper or document believed by it to be genuine and to have been signed
or
presented by the proper party or parties;
(ii) The
Trustee and the Securities Administrator may consult with counsel and any
advice
of such counsel or any Opinion of Counsel shall be full and complete
authorization and protection with respect to any action taken or suffered
or
omitted by it hereunder in good faith and in accordance with such advice
or
Opinion of Counsel;
(iii) Neither
the Trustee nor the Securities Administrator shall be under any obligation
to
exercise any of the trusts or powers vested in it by this Agreement, other
than
its obligation to give notices pursuant to this Agreement, or to institute,
conduct or defend any litigation hereunder or in relation hereto at the request,
order or direction of any of the Certificateholders pursuant to the provisions
of this Agreement, unless such Certificateholders shall have offered to the
Trustee or the Securities Administrator, as applicable, security or indemnity
reasonable to it against the costs, expenses and liabilities which may be
incurred therein or thereby. Nothing contained herein shall, however, relieve
the Trustee of the obligation, upon the occurrence of an Event of Default
of
which a Responsible Officer of the Trustee has actual knowledge (which has
not
been cured or waived), to exercise such of the rights and powers vested in
it by
this Agreement, and to use the same degree of care and skill in their exercise,
as a prudent person would exercise under the circumstances in the conduct
of his
own affairs;
(iv) Neither
the Trustee nor the Securities Administrator shall be liable in its individual
capacity for any action taken, suffered or omitted by it in good faith and
believed by it to be authorized or within the discretion or rights or powers
conferred upon it by this Agreement;
(v) Neither
the Trustee nor the Securities Administrator shall be bound to make any
investigation into the facts or matters stated in any resolution, certificate,
statement, instrument, opinion, report, notice, request, consent, order,
approval, bond or other paper or document, unless requested in writing to
do so
by Holders of Certificates evidencing not less than 25% of the aggregate
Voting
Rights of the Certificates and provided that the payment within a reasonable
time to the Trustee or the Securities Administrator, as applicable, of the
costs, expenses or liabilities likely to be incurred by it in the making
of such
investigation is, in the opinion of the Trustee or the Securities Administrator,
as applicable, reasonably assured to the Trustee or the Securities
Administrator, as applicable, by the security afforded to it by the terms
of
this Agreement. The Trustee or the Securities Administrator may require
reasonable indemnity against such expense or liability as a condition to
taking
any such action. The reasonable expense of every such examination shall be
paid
by the Certificateholders requesting the investigation;
(vi) The
Trustee and the Securities Administrator may execute any of the trusts or
powers
hereunder or perform any duties hereunder either directly or through Affiliates,
agents or attorneys; provided, however, that the Trustee may not appoint
any
paying agent other than the Securities Administrator to perform any paying
agent
functions under this Agreement without the express written consent of the
Master
Servicer, which consents will not be unreasonably withheld. Neither the Trustee
nor the Securities Administrator shall be liable or responsible for the
misconduct or negligence of any of the Trustee’s or the Securities
Administrator’s agents or attorneys or paying agent appointed hereunder by the
Trustee or the Securities Administrator with due care and, when required,
with
the consent of the Master Servicer;
(vii) Should
the Trustee or the Securities Administrator deem the nature of any action
required on its part to be unclear or ambiguous, the Trustee or the Securities
Administrator, respectively, may require prior to such action that it be
provided by the Depositor with reasonable further instructions; the right
of the
Trustee or the Securities Administrator to perform any discretionary act
enumerated in this Agreement shall not be construed as a duty, and neither
the
Trustee nor the Securities Administrator shall not accountable for other
than
its negligence or willful misconduct in the performance of any such
act;
(viii) Neither
the Trustee nor the Securities Administrator shall be required to give any
bond
or surety with respect to the execution of the trust created hereby or the
powers granted hereunder, except as provided in Subsection 10.07;
and
(ix) Neither
the Trustee nor the Securities Administrator shall have any duty to conduct
any
affirmative investigation as to the occurrence of any condition requiring
the
repurchase of any Mortgage Loan by any Person pursuant to this Agreement,
or the
eligibility of any Mortgage Loan for purposes of this Agreement.
(b) The
Securities Administrator is hereby directed by the Depositor to execute and
deliver the Swap Administration Agreement (and any amendments or supplements
to
the Swap Administration Agreement as may be requested by the Majority Class
I-C
Certificateholder or Majority Class II-C Certificateholder, as applicable,
regarding the distributions to be made to it or its designees thereunder).
Amounts payable by the Securities Administrator on any Distribution Date
to the
Swap Administrator shall be paid by the Securities Administrator as provided
herein. The Securities Administrator in its individual capacity shall have
no
responsibility for any of the undertakings, agreements or representations
with
respect to the Interest Rate Swap Agreements or the Swap Administration
Agreement, including, without limitation, for making any payments
thereunder.
It
is
acknowledged and agreed that the Person serving as Securities Administrator
hereunder shall also serve as Swap Administrator under the Swap Administration
Agreement and act as Supplemental Interest Trust Trustee under the Group
I
Interest Rate Swap Agreement and the Group II Interest Rate Swap Agreement.
The
Securities Administrator, the Swap Administrator and the Supplemental Interest
Trust Trustee are hereby directed by the Depositor to execute and deliver
the
Swap Administration Agreement (and any amendments or supplements to the Swap
Administration Agreement as may be requested by the Majority Class I-C
Certificateholder or Majority Class II-C Certificateholder, as applicable,
regarding the distributions to be made to it or its designees thereunder)
and
the Supplemental Interest Trust Trustee is hereby directed to execute and
deliver the Swap Agreement and to make the representations required therein.
The
Swap Administrator shall not have any liability for any failure or delay
in
payments to the Trust which are required under the Swap Administration Agreement
where such failure or delay is due to the failure or delay of the Swap Provider
in making such payment to the Swap Administrator. Xxxxx Fargo in its individual
capacity and as Swap Administrator, the Securities Administrator and the
Supplemental Interest Trust Trustee shall be entitled to be indemnified and
held
harmless by the Trust from and against any and all losses, claims, expenses
or
other liabilities that arise by reason of or in connection with the performance
or observance by each of the Swap Administrator, the Securities Administrator
and the Supplemental Interest Trust Trustee of its duties or obligations
under
the Swap Agreement or the Swap Administration Agreement, except to the extent
that the same is due to the Swap Administrator’s, the Securities Administrator’s
or the Supplemental Interest Trust Trustee’s gross negligence, willful
misconduct or fraud. Any Person appointed as successor trustee pursuant to
Section 9.02 shall also be required to serve as successor Swap Administrator
and
successor supplemental interest trust trustee under the Swap Agreement and
the
Swap Administration Agreement.
Section
10.03 Trustee
and
Securities Administrator Not Liable for Certificates or Mortgage
Loans.
The
recitals contained herein and in the Certificates (other than the signature
and
countersignature of the Securities
Administrator
on the
Certificates) shall be taken as the statements of the Depositor, and neither
the
Trustee nor the Securities Administrator shall have any responsibility for
their
correctness. Neither the Trustee nor the Securities Administrator makes any
representation as to the validity or sufficiency of, the Certificates (other
than the signature and countersignature of the Securities Administrator on
the
Certificates), any Custodial Agreement or of any Mortgage Loan. The Securities
Administrator’s signature and countersignature (or countersignature of its
agent) on the Certificates shall be solely in its capacity as Securities
Administrator and shall not constitute the Certificates an obligation of
the
Securities Administrator in any other capacity. Neither the Trustee nor the
Securities Administrator shall be accountable for the use or application
by the
Depositor of any of the Certificates or of the proceeds of such Certificates,
or
for the use or application of any funds paid to the Depositor with respect
to
the Mortgage Loans. Subject to Section 2.06, neither the Trustee nor the
Securities Administrator shall be responsible for the legality or validity
of
this Agreement, any Custodial Agreement or any document or instrument relating
to this Agreement, the validity of the execution of this Agreement or of
any
supplement hereto or instrument of further assurance, or the validity, priority,
perfection or sufficiency of the security for the Certificates issued hereunder
or intended to be issued hereunder. Neither the Trustee nor the Securities
Administrator shall at any time have any responsibility or liability for
or with
respect to the legality, validity and enforceability of any Mortgage or any
Mortgage Loan, or the perfection and priority of any Mortgage or the maintenance
of any such perfection and priority, or for or with respect to the sufficiency
of the Trust Fund or its ability to generate the payments to be distributed
to
Certificateholders, under this Agreement. The Trustee shall not be responsible
for filing any financing or continuation statement in any public office at
any
time or to otherwise perfect or maintain the perfection of any security interest
or lien granted to the Trustee hereunder or to record this
Agreement.
Section
10.04 Trustee
and
Securities Administrator May Own Certificates.
Each
of
the Trustee and the Securities Administrator in its individual capacity or
in
any capacity other than as Trustee or the Securities Administrator hereunder
may
become the owner or pledgee of any Certificates with the same rights it would
have if it were not the Trustee or the Securities Administrator, as applicable,
and may otherwise deal with the parties hereto.
Section
10.05 Trustee’s
and
Securities Administrator’s Fees and Expenses.
The
fees
and expenses of the Trustee and the Securities Administrator shall be paid
in
accordance with a side letter agreement with the Master Servicer and at the
expense of the Master Servicer. In addition, the Securities Administrator
shall
be entitled to any investment income on amounts on deposit in the Master
Servicer Collection Account and the Distribution Account. In addition, the
Trustee and the Securities Administrator will be entitled to recover from
the
Master Servicer Collection Account pursuant to Section 5.07 all reasonable
out-of-pocket expenses, disbursements and advances and the expenses of the
Trustee and the Securities Administrator, respectively, incurred in the course
of its respective engagement hereunder, including without limitation in
connection with any Event of Default, any breach of this Agreement or any
claim
or legal action (including any pending or threatened claim or legal action)
incurred or made by the Trustee or the Securities Administrator, respectively,
in the administration of the trusts hereunder (including the reasonable
compensation, expenses and disbursements of its counsel) except any such
expense, disbursement or advance as may arise from its negligence or intentional
misconduct or which is the responsibility of the Certificateholders hereunder.
If funds in the Master Servicer Collection Account are insufficient therefor,
the Trustee and the Securities Administrator shall recover such expenses,
disbursements or advances from EMC and EMC hereby agrees to pay such expenses,
disbursements or advances upon demand. Such compensation and reimbursement
obligation shall not be limited by any provision of law in regard to the
compensation of a trustee of an express trust.
Section
10.06 Eligibility
Requirements for Trustee and Securities Administrator.
The
Trustee and any successor Trustee and the Securities Administrator and any
successor Securities Administrator shall during the entire duration of this
Agreement be a state bank or trust company or a national banking association
organized and doing business under the laws of a state or the United States
of
America, authorized under such laws to exercise corporate trust powers, having
a
combined capital and surplus and undivided profits of at least $50,000,000,
subject to supervision or examination by federal or state authority and rated
“Baa2” or higher by Moody’s
with
respect to any outstanding long-term unsecured unsubordinated debt, and,
in the
case of a successor Trustee or successor Securities Administrator other than
pursuant to Section 10.10, rated in one of the two highest long-term debt
categories by each
Rating
Agency
or
otherwise acceptable to each
Rating Agency.
The
Trustee shall not be an Affiliate of the Master Servicer. If the Trustee
publishes reports of condition at least annually, pursuant to law or to the
requirements of the aforesaid supervising or examining authority, then for
the
purposes of this Section 10.06 the combined capital and surplus of such
corporation shall be deemed to be its total equity capital (combined capital
and
surplus) as set forth in its most recent report of condition so published.
In
case at any time the Trustee or the Securities Administrator, as applicable,
shall cease to be eligible in accordance with the provisions of this Section
10.06, the Trustee or the Securities Administrator shall resign immediately
in
the manner and with the effect specified in Section 10.08.
Section
10.07 Insurance.
The
Trustee
and the
Securities Administrator, at their own expense,
shall
at all times (A) maintain and keep in full force and effect: (i) fidelity
insurance, (ii) theft of documents insurance and (iii) forgery insurance
(which
may be collectively satisfied by a “Financial Institution Bond” and/or a
“Bankers’ Blanket Bond”) or (B) in the case of the Securities Administrator,
self insure if LaSalle Bank National Association maintains with any Rating
Agency the equivalent of a long term unsecured debt rating of “A”. All such
insurance shall be in amounts, with standard coverage and subject to
deductibles, as are customary for insurance typically maintained by banks
or
their affiliates which act as custodians for investor-owned mortgage pools.
A
certificate of an officer of the Trustee or
the
Securities Administrator
as to
the Trustee’s or
the
Securities Administrator’s, respectively,
compliance with this Section 10.07 shall be furnished to any Certificateholder
upon reasonable written request.
Section
10.08 Resignation
and
Removal of Trustee and Securities Administrator.
The
Trustee and the Securities Administrator may at any time resign (including,
in
the case of the Securities Administrator, in connection with the resignation
or
termination of the Master Servicer) and be discharged from the Trust hereby
created by giving written notice thereof to the Depositor, the Swap Provider,
the Sponsor, the Securities Administrator (or the Trustee, if the Securities
Administrator resigns) and the Master Servicer, with a copy to each
Rating
Agency.
Upon
receiving such notice of resignation, the Depositor shall promptly appoint
a
successor trustee or successor securities administrator, as applicable, (and
in
the case of the Securities Administrator’s removal, the Trustee may appoint a
successor securities administrator) by written instrument, in triplicate,
one
copy of which instrument shall be delivered to each of the resigning trustee
or
securities administrator, as applicable, and the successor trustee or securities
administrator, as applicable. If no successor trustee or successor securities
administrator shall have been so appointed and have accepted appointment
within
30 days after the giving of such notice of resignation, the resigning Trustee
or
Securities Administrator may petition any court of competent jurisdiction
for
the appointment of a successor trustee or securities administrator.
If
at any
time (i) the Trustee or the Securities Administrator shall cease to be eligible
in accordance with the provisions of Section 10.06 hereof and shall fail
to
resign after written request thereto by the Depositor, (ii) the Trustee or
the
Securities Administrator shall become incapable of acting, or shall be adjudged
as bankrupt or insolvent, or a receiver of the Trustee or the Securities
Administrator or of its property shall be appointed, or any public officer
shall
take charge or control of the Trustee or the Securities Administrator or
of its
property or affairs for the purpose of rehabilitation, conservation or
liquidation, or (iii)(A) a tax is imposed with respect to the Trust Fund
by any
state in which the Trustee or the Securities Administrator or the Trust Fund
is
located, (B) the imposition of such tax would be avoided by the appointment
of a
different trustee or securities administrator and (C) the Trustee or the
Securities Administrator, as applicable, fails to indemnify the Trust Fund
against such tax, then the Depositor or the Master Servicer may remove the
Trustee or the Securities Administrator , as applicable, (and in the case
of the
Securities Administrator’s ineligibility, the Trustee may appoint a successor
securities administrator) and appoint a successor trustee or successor
securities administrator, as applicable, by written instrument, in multiple
copies, a copy of which instrument shall be delivered to the Trustee, the
Securities Administrator, the Master Servicer and the successor trustee or
successor securities administrator, as applicable.
The
Holders evidencing at least 51% of the Voting Rights of each Class of
Certificates may at any time remove the Trustee or Securities Administrator
and
appoint a successor trustee or securities administrator by written instrument
or
instruments, in multiple copies, signed by such Holders or their
attorneys-in-fact duly authorized, one complete set of which instruments
shall
be delivered by the successor trustee or successor securities administrator
to
each of the Master Servicer, the Trustee or Securities Administrator so removed
and the successor trustee or securities administrator so appointed. Notice
of
any removal of the Trustee or Securities Administrator shall be given to
each
Rating Agency by the related successor.
Any
resignation or removal of the Trustee or the Securities Administrator and
appointment of a successor trustee or securities administrator pursuant to
any
of the provisions of this Section 10.08 shall become effective upon acceptance
of appointment by the successor trustee or securities administrator as provided
in Section 10.09 hereof.
Section
10.09 Successor
Trustee
or Securities Administrator.
Any
successor trustee or securities administrator appointed as provided in Section
10.08 hereof shall execute, acknowledge and deliver to the Depositor, to
its
predecessor trustee or predecessor securities administrator, as applicable,
and
the Master Servicer an instrument accepting such appointment hereunder and
thereupon the resignation or removal of the predecessor trustee or securities
administrator shall become effective and such successor trustee or securities
administrator without any further act, deed or conveyance, shall become fully
vested with all the rights, powers, duties and obligations of its predecessor
hereunder, with the like effect as if originally named as trustee or securities
administrator herein.
No
successor trustee or securities administrator shall accept appointment as
provided in this Section 10.09 unless at the time of such acceptance such
successor trustee or securities administrator shall be eligible under the
provisions of Section 10.07 hereof and its appointment shall not adversely
affect the then current rating of the Certificates.
Upon
acceptance of appointment by a successor trustee or securities administrator
as
provided in this Section 10.09, the successor trustee or securities
administrator shall mail notice of the succession of such trustee or securities
administrator hereunder to all Holders of Certificates. If the successor
trustee
or securities administrator fails to mail such notice within ten days after
acceptance of appointment, the Depositor shall cause such notice to be mailed
at
the expense of the Trust Fund.
Section
10.10 Merger
or
Consolidation of Trustee or Securities Administrator.
Any
corporation, state bank or national banking association into which the Trustee
or the Securities Administrator may be merged or converted or with which
it may
be consolidated or any corporation, state bank or national banking association
resulting from any merger, conversion or consolidation to which the Trustee
or
the Securities Administrator shall be a party, or any corporation, state
bank or
national banking association succeeding to substantially all of the corporate
trust business of the Trustee or of the business of the Securities
Administrator, shall be the successor of the Trustee or the Securities
Administrator hereunder, provided that such corporation shall be eligible
under
the provisions of Section 10.06 hereof without the execution or filing of
any
paper or further act on the part of any of the parties hereto, anything herein
to the contrary notwithstanding.
Section
10.11 Appointmentof
Co-Trustee or Separate Trustee.
Notwithstanding
any other provisions of this Agreement, at any time, for the purpose of meeting
any legal requirements of any jurisdiction in which any part of the Trust
Fund
or property securing any Mortgage Note may at the time be located, the Master
Servicer and the Trustee acting jointly shall have the power and shall execute
and deliver all instruments to appoint one or more Persons approved by the
Trustee to act as co-trustee or co-trustees jointly with the Trustee, or
separate trustee or separate trustees, of all or any part of the Trust Fund,
and
to vest in such Person or Persons, in such capacity and for the benefit of
the
Certificateholders, such title to the Trust Fund or any part thereof, whichever
is applicable, and, subject to the other provisions of this Section 10.11,
such
powers, duties, obligations, rights and trusts as the Master Servicer and
the
Trustee may consider necessary or desirable. If the Master Servicer shall
not
have joined in such appointment within 15 days after the receipt by it of
a
request to do so, or in the case an Event of Default shall have occurred
and be
continuing, the Trustee alone shall have the power to make such appointment.
No
co-trustee or separate trustee hereunder shall be required to meet the terms
of
eligibility as a successor trustee under Section 10.06 and no notice to
Certificateholders of the appointment of any co-trustee or separate trustee
shall be required under Section 10.09.
Every
separate trustee and co-trustee shall, to the extent permitted by law, be
appointed and act subject to the following provisions and
conditions:
(i) All
rights, powers, duties and obligations conferred or imposed upon the Trustee,
except for the obligation of the Trustee under this Agreement to advance
funds
on behalf of the Master Servicer, shall be conferred or imposed upon and
exercised or performed by the Trustee and such separate trustee or co-trustee
jointly (it being understood that such separate trustee or co-trustee is
not
authorized to act separately without the Trustee joining in such act), except
to
the extent that under any law of any jurisdiction in which any particular
act or
acts are to be performed (whether a Trustee hereunder or as a Successor Master
Servicer hereunder), the Trustee shall be incompetent or unqualified to perform
such act or acts, in which event such rights, powers, duties and obligations
(including the holding of title to the Trust Fund or any portion thereof
in any
such jurisdiction) shall be exercised and performed singly by such separate
trustee or co-trustee, but solely at the direction of the Trustee;
(ii) No
trustee hereunder shall be held personally liable by reason of any act or
omission of any other trustee hereunder; and
(iii) The
Trustee may at any time accept the resignation of or remove any separate
trustee
or co-trustee.
Any
notice, request or other writing given to the Trustee shall be deemed to
have
been given to each of the then separate trustees and co-trustees, as effectively
as if given to each of them. Every instrument appointing any separate trustee
or
co-trustee shall refer to this Agreement and the conditions of this Article
X.
Each separate trustee and co-trustee, upon its acceptance of the trusts
conferred, shall be vested with the estates or property specified in its
instrument of appointment, either jointly with the Trustee or separately,
as may
be provided therein, subject to all the provisions of this Agreement,
specifically including every provision of this Agreement relating to the
conduct
of, affecting the liability of, or affording protection to, the Trustee.
Every
such instrument shall be filed with the Trustee and a copy thereof given
to the
Master Servicer and the Depositor.
Any
separate trustee or co-trustee may, at any time, constitute the Trustee its
agent or attorney-in-fact, with full power and authority, to the extent not
prohibited by law, to do any lawful act under or in respect of this Agreement
on
its behalf and in its name. If any separate trustee or co- trustee shall
die,
become incapable of acting, resign or be removed, all of its estates,
properties, rights, remedies and trusts shall vest in and be exercised by
the
Trustee, to the extent permitted by law, without the appointment of a new
or
successor trustee.
Section
10.12 Tax
Matters.
It
is
intended that the Trust Fund shall constitute, and that the affairs of the
Trust
Fund shall be conducted so that each REMIC formed hereunder qualifies as,
a
“real estate mortgage investment conduit” as defined in and in accordance with
the REMIC Provisions. In furtherance of such intention, the Securities
Administrator covenants and agrees that it shall act as agent (and the
Securities Administrator is hereby appointed to act as agent) on behalf of
the
Trust Fund. The Securities Administrator, as agent on behalf of the Trust
Fund,
shall do or refrain from doing, as applicable, the following: (a) the Securities
Administrator shall prepare and file, or cause to be prepared and filed,
in a
timely manner, U.S. Real Estate Mortgage Investment Conduit Income Tax Returns
(Form 1066 or any successor form adopted by the Internal Revenue Service)
and
prepare and file or cause to be prepared and filed with the Internal Revenue
Service and applicable state or local tax authorities income tax or information
returns for each taxable year with respect to each such REMIC containing
such
information and at the times and in the manner as may be required by the
Code or
state or local tax laws, regulations, or rules, and furnish, or cause to
be
furnished, to Certificateholders the schedules, statements or information
at
such times and in such manner as may be required thereby; (b) the Securities
Administrator shall apply for an employer identification number with the
Internal Revenue Service via a Form SS-4 or other comparable method for each
REMIC that is or becomes a taxable entity, and within thirty days of the
Closing
Date, furnish or cause to be furnished to the Internal Revenue Service, on
Forms
8811 or as otherwise may be required by the Code, the name, title, address,
and
telephone number of the Person that the Holders of the Certificates may contact
for tax information relating thereto, together with such additional information
as may be required by such Form, and update such information at the time
or
times in the manner required by the Code for the Trust Fund; (c) the Securities
Administrator on behalf of the Trustee shall make, or cause to be made
elections, on behalf of each REMIC formed hereunder to be treated as a REMIC
on
the federal tax return of such REMIC for its first taxable year (and, if
necessary, under applicable state law); (d) the Securities Administrator
shall
prepare and forward, or cause to be prepared and forwarded, to the
Certificateholders and to the Internal Revenue Service and, if necessary,
state
tax authorities, all information returns and reports as and when required
to be
provided to them in accordance with the REMIC Provisions, including without
limitation, the calculation of any original issue discount using the Prepayment
Assumption; (e) the Securities Administrator shall provide information necessary
for the computation of tax imposed on the transfer of a Residual Certificate
to
a Person that is not a Permitted Transferee, or an agent (including a broker,
nominee or other middleman) of a Person that is not a Permitted Transferee,
or a
pass-through entity in which a Person that is not a Permitted Transferee
is the
record holder of an interest (the reasonable cost of computing and furnishing
such information may be charged to the Person liable for such tax); (f) each
of
the Securities Administrator and the Trustee shall, to the extent under its
control, conduct the affairs of the Trust Fund at all times that any
Certificates are outstanding so as to maintain the status of each REMIC formed
hereunder as a REMIC under the REMIC Provisions; (g) neither the Trustee
nor the
Securities Administrator shall knowingly or intentionally take any action
or
omit to take any action that would cause the termination of the REMIC status
of
any REMIC formed hereunder; (h) the Securities Administrator shall pay, from
the
sources specified in the penultimate paragraph of this Section 10.12, the
amount
of any federal, state and local taxes, including prohibited transaction taxes
as
described below, imposed on any REMIC formed hereunder prior to the termination
of the Trust Fund when and as the same shall be due and payable (but such
obligation shall not prevent the Securities Administrator or any other
appropriate Person from contesting any such tax in appropriate proceedings
and
shall not prevent the Securities Administrator from withholding payment of
such
tax, if permitted by law, pending the outcome of such proceedings); (i) the
Trustee shall sign or cause to be signed federal, state or local income tax
or
information returns or any other document prepared by the Securities
Administrator pursuant to this Section 10.12 requiring a signature thereon
by
the Trustee; (j) the Securities Administrator shall maintain records relating
to
each REMIC formed hereunder including but not limited to the income, expenses,
assets and liabilities of each such REMIC and adjusted basis of the Trust
Fund
property determined at such intervals as may be required by the Code, as
may be
necessary to prepare the foregoing returns, schedules, statements or
information; (k) the Securities Administrator shall, for federal income tax
purposes, maintain books and records with respect to the REMICs on a calendar
year and on an accrual basis; (l) none of the Trustee, the Master Servicer
or
the Securities Administrator shall enter into any arrangement not otherwise
provided for in this Agreement by which the REMICs will receive a fee or
other
compensation for services nor permit the REMICs to receive any income from
assets other than “qualified mortgages” as defined in Section 860G(a)(3) of the
Code or “permitted investments” as defined in Section 860G(a)(5) of the Code;
and (l) as and when necessary and appropriate, the Securities Administrator,
at
the expense of the Trust Fund, shall represent the Trust Fund in any
administrative or judicial proceedings relating to an examination or audit
by
any governmental taxing authority, request an administrative adjustment as
to
any taxable year of any REMIC formed hereunder, enter into settlement agreements
with any governmental taxing agency, extend any statute of limitations relating
to any tax item of the Trust Fund, and otherwise act on behalf of each REMIC
formed hereunder in relation to any tax matter involving any such
REMIC.
In
order
to enable each of the Trustee and the Securities Administrator to perform
its
duties as set forth herein, the Depositor shall provide, or cause to be
provided, to the Trustee or the Securities Administrator within 10 days after
the Closing Date all information or data that the Trustee or the Securities
Administrator requests in writing and determines to be relevant for tax purposes
to the valuations and offering prices of the Certificates, including, without
limitation, the price, yield, prepayment assumption and projected cash flows
of
the Certificates and the Mortgage Loans. Thereafter, the Depositor shall
provide
to the Trustee or the Securities Administrator promptly upon written request
therefor, any such additional information or data that the Trustee or the
Securities Administrator may, from time to time, request in order to enable
the
Trustee or the Securities Administrator to perform its duties as set forth
herein. The Depositor hereby indemnifies each of the Trustee and the Securities
Administrator for any losses, liabilities, damages, claims or expenses of
the
Trustee or the Securities Administrator arising from any errors or
miscalculations of the Trustee or the Securities Administrator that result
from
any failure of the Depositor to provide, or to cause to be provided, accurate
information or data to the Trustee or the Securities Administrator, as
applicable, on a timely basis.
In
the
event that any tax is imposed on “prohibited transactions” of any of REMIC I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII
as
defined in Section 860F(a)(2) of the Code, on the “net income from foreclosure
property” of the Trust Fund as defined in Section 860G(c) of the Code, on any
contribution to any of REMIC I, REMIC II, REMIC III, REMIC IV, REMIC V, REMIC
VI, REMIC VII or REMIC VIII after the Startup Day pursuant to Section 860G(d)
of
the Code, or any other tax is imposed, including, without limitation, any
federal, state or local tax or minimum tax imposed upon any of REMIC I, REMIC
II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII, and
is, in
each case, attributable to activities related to REMIC I or Loan Group I
and is
not paid as otherwise provided for herein, such tax shall be paid by (i)
the
Master Servicer or the Securities Administrator, if any such tax arises out
of
or results from a breach by the Master Servicer or the Securities Administrator
of any of its obligations under this Agreement, provided, however, in no
event
shall the Master Servicer or the Securities Administrator have any liability
(1)
for any action or omission that is taken in accordance with and compliance
with
the express terms of, or which is expressly permitted by the terms of, this
Agreement, (2) for any losses other than arising out of a negligent performance
by the Master Servicer or the Securities Administrator of its duties and
obligations set forth herein, or (3) for any special or consequential damages
to
Certificateholders (in addition to payment of principal and interest on the
Certificates), (ii) any party hereto (other than the Master Servicer or the
Securities Administrator) to the extent any such tax arises out of or results
from a breach by such other party of any of its obligations under this Agreement
or (iii) in all other cases, or in the event that any liable party hereto
fails
to honor its obligations under the preceding clauses (i) or (ii), the Group
I
Certificateholders in the following manner: any such tax will be paid first
with
amounts otherwise to be distributed to the Class I-R Certificateholders (pro
rata) and second, with amounts otherwise to be distributed to the Holders
of the
following other Group I Certificates in the following order of priority:
first,
to the Class I-B-4 Certificates, second, to the Class I-B-3 Certificates,
third,
to the Class I-B-2 Certificates, fourth, to the Class I-B-1 Certificates,
fifth,
to the the Class I-M-6 Certificates, sixth, to the Class I-M-5 Certificates,
seventh, to the Class I-M-4 Certificates, eighth, to the Class I-M-3
Certificates, ninth, to the Class I-M-2 Certificates, tenth, to the Class
I-M-1
Certificates, and eleventh, to the Class I-A Certificates.
In
the
event that any tax is imposed on “prohibited transactions” of any of REMIC I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII
as
defined in Section 860F(a)(2) of the Code, on the “net income from foreclosure
property” of the Trust Fund as defined in Section 860G(c) of the Code, on any
contribution to any of REMIC I, REMIC II, REMIC III, REMIC IV, REMIC V, REMIC
VI, REMIC VII or REMIC VIII after the Startup Day pursuant to Section 860G(d)
of
the Code, or any other tax is imposed, including, without limitation, any
federal, state or local tax or minimum tax imposed upon any of REMIC I, REMIC
II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII, and
is, in
each case, attributable to activities related to REMIC II or Loan Group II
and
is not paid as otherwise provided for herein, such tax shall be paid by (i)
the
Master Servicer or the Securities Administrator, if any such tax arises out
of
or results from a breach by the Master Servicer or the Securities Administrator
of any of its obligations under this Agreement, provided, however, in no
event
shall the Master Servicer or the Securities Administrator have any liability
(1)
for any action or omission that is taken in accordance with and compliance
with
the express terms of, or which is expressly permitted by the terms of, this
Agreement, (2) for any losses other than arising out of a negligent performance
by the Master Servicer or the Securities Administrator of its duties and
obligations set forth herein, or (3) for any special or consequential damages
to
Certificateholders (in addition to payment of principal and interest on the
Certificates), (ii) any party hereto (other than the Master Servicer or the
Securities Administrator) to the extent any such tax arises out of or results
from a breach by such other party of any of its obligations under this Agreement
or (iii) in all other cases, or in the event that any liable party hereto
fails
to honor its obligations under the preceding clauses (i) or (ii), the Group
II
Certificateholders in the following manner: any such tax will be paid first
with
amounts otherwise to be distributed to the Class II-R, Class I-R-2 and Class
I-R-3 Certificateholders (pro rata) and second, with amounts otherwise to
be
distributed to the Holders of the following other Group II Certificates in
the
following order of priority: first, to the Class II-B-4 Certificates, second,
to
the Class II-B-3 Certificates, third, to the Class II-B-2 Certificates, fourth,
to the Class II-B-1 Certificates, fifth, to the Class II-M-6 Certificates,
sixth, to the Class II-M-5 Certificates, seventh, to the Class II-M-4
Certificates, eighth, to the Class II-M-3 Certificates, ninth, to the Class
II-M-2 Certificates, tenth, to the Class II-M-1 Certificates, and eleventh,
to
the Class II-A Certificates (pro rata).
Notwithstanding
anything to the contrary contained herein, to the extent that any taxes
described in the preceding two paragraphs are payable by the Holder of any
Certificates (other than the Class R Certificates), the Securities Administrator
is hereby authorized to retain on any Distribution Date from the Holders
of the
related Class R Certificates (and, if necessary, second, from the Holders
of the
other related Certificates in the priority specified in the preceding
paragraphs), funds otherwise distributable to such Holders in an amount
sufficient to pay such taxes. The Securities Administrator shall promptly
notify
in writing the party liable for any such tax of the amount thereof and the
Due
Date for the payment thereof.
The
Trustee, the Master Servicer and the Securities Administrator each agree
that,
in the event it should obtain any information necessary for the other party
to
perform its obligations pursuant to this Section 10.12, it will promptly
notify
and provide such information to such other party.
Notwithstanding
the foregoing, with respect to the preparation and filing of tax returns
in the
event that the right to receive payments in respect of Group I Basis Risk
Shortfall Carry Forward Amounts could be treated as a partnership among the
Holders of the Class I-A, Class I-M, Class I-B and Class I-C Certificates
or the
right to receive payments in respect of Group II Basis Risk Shortfall Carry
Forward Amounts could be treated as a partnership among the Holders of the
Class
II-A, Class II-M, Class II-B and Class II-C Certificates, the Securities
Administrator shall not be required to prepare and file partnership tax returns
on behalf of the Trust Fund or portion thereof unless it receives additional
reasonable compensation for the preparation of such filings and written
notification from either an officer or tax counsel for the Depositor recognizing
the creation of a partnership for federal income tax purposes.
Section
10.13 REMIC-Related
Covenants.
For
as
long as each REMIC shall exist, the Trustee and the Securities Administrator
shall act in accordance herewith to assure continuing treatment of such REMIC
as
a REMIC, and the Trustee and the Securities Administrator shall comply with
any
directions of the Sponsor, the Company, the Servicer or the Master Servicer
to
assure such continuing treatment. In furtherance, but not in limitation,
of the
foregoing, neither the Trustee nor the Securities Administrator shall (a)
sell
or permit the sale of all or any portion of the Mortgage Loans or of any
investment of deposits in an Account unless such sale is as a result of a
repurchase of the Mortgage Loans pursuant to this Agreement or the Trustee
and
the Securities Administrator has received a REMIC Opinion addressed to the
Securities Administrator and the Trustee and the Securities Administrator
prepared at the expense of the Trust Fund; and (b) other than with respect
to a
substitution pursuant to the Mortgage Loan Purchase Agreement or Section
2.03 of
this Agreement, as applicable, accept any contribution to any REMIC after
the
Startup Day without receipt of a REMIC Opinion.
ARTICLE
XI
TERMINATION
Section
11.01 Termination
upon
Liquidation or Repurchase of all Mortgage Loans.
Subject
to Section 11.03, the obligations and responsibilities of the Depositor,
the
Master Servicer, the Securities Administrator, the Sponsor and the Trustee
created hereby with respect to the related Sub-Trust shall terminate, with
respect to Loan Group I, upon the earlier of (a) the purchase by the Majority
Class I-C Certificateholder of all of the Group I Mortgage Loans (and related
REO Properties) remaining in the Trust Fund at a price (the “Group I Mortgage
Loan Purchase Price”) equal to the sum of (i) 100% of the Stated Principal
Balance of each related Mortgage Loan (other than in respect of related REO
Property), (ii) accrued interest thereon at the applicable Mortgage Rate
to, but
not including, the first day of the month of such purchase, (iii) the appraised
value of any REO Property in the Group I Sub-Trust (up to the Stated Principal
Balance of the related Mortgage Loan), such appraisal to be conducted by
an
appraiser mutually agreed upon by the related servicer and the Trustee and
(iv)
unreimbursed out-of pocket costs of the Company, the Servicers or the Master
Servicer, including unreimbursed servicing advances and the principal portion
of
any unreimbursed Advances made on Loan Group I prior to the exercise of such
repurchase right (v) such Loan Group’s pro rata share (based on the then
outstanding aggregate Stated Principal Balance thereof) of any unreimbursed
costs and expenses of the Trustee and the Securities Administrator payable
pursuant to Section 10.05 and (vi) any
Group
I Swap Termination Payment (which shall include any Group I Net Swap Payment)
payable to the Group I Swap Provider which remains unpaid or which is due
to the
exercise of such option (the “Group I Swap Optional Termination Payment”)
and
(b)
the later of (i) the maturity or other liquidation (or any Advance with respect
thereto) of the last Mortgage Loan remaining in the Group I Sub-Trust and
the
disposition of all related REO Property and (ii) the distribution to Group
I
Certificateholders of all amounts required to be distributed to them pursuant
to
this Agreement. Subject
to Section 11.03, the obligations and responsibilities of the Depositor,
the
Master Servicer, the Securities Administrator, the Sponsor and the Trustee
created hereby with respect to the related Sub-Trust shall terminate, with
respect to Loan Group II, upon the earlier of (a) the purchase by the Majority
Class II-C Certificateholder of all of the Group II Mortgage Loans (and related
REO Properties) remaining in the Trust Fund at a price (the “Group II Mortgage
Loan Purchase Price”) equal to the sum of (i) 100% of the Stated Principal
Balance of each related Mortgage Loan (other than in respect of related REO
Property), (ii) accrued interest thereon at the applicable Mortgage Rate
to, but
not including, the first day of the month of such purchase, (iii) the appraised
value of any REO Property in the Group II Sub-Trust (up to the Stated Principal
Balance of the related Mortgage Loan), such appraisal to be conducted by
an
appraiser mutually agreed upon by the related servicer and the Trustee and
(iv)
unreimbursed out-of pocket costs of the Company, the Servicers or the Master
Servicer, including unreimbursed servicing advances and the principal portion
of
any unreimbursed Advances made on Loan Group II prior to the exercise of
such
repurchase right, (v) such Loan Group’s pro rata share (based on the then
outstanding aggregate Stated Principal Balance thereof) of any unreimbursed
costs and expenses of the Trustee and the Securities Administrator payable
pursuant to Section 10.05 and (vi) any Group II Swap Termination Payment
(which
shall include any Group II Net Swap Payment) payable to the Group II Swap
Provider which remains unpaid or which is due to the exercise of such option
(the “Group II Swap Optional Termination Payment”) and (b) the later of (i) the
maturity or other liquidation (or any Advance with respect thereto) of the
last
Mortgage Loan remaining in the Group II Sub-Trust and the disposition of
all
related REO Property and (ii) the distribution to Group II Certificateholders
of
all amounts required to be distributed to them pursuant to this Agreement
or the
Insurance Agreement, as applicable.
In
no
event shall the Sub-Trusts created hereby continue beyond the earlier of
(i) the
expiration of 21 years from the death of the last survivor of the descendants
of
Xxxxxx X. Xxxxxxx, the late Ambassador of the United States to the Court
of St.
Xxxxx, living on the date hereof and (ii) the related Latest Possible Maturity
Date.
The
right
to repurchase all Group I Mortgage Loans and related REO Properties by the
Majority Class I-C Certificateholder pursuant to clause (a) in the preceding
paragraph shall be conditioned upon the Stated Principal Balance of all of
the
Group I Mortgage Loans in the related Sub-Trust, at the time of any such
repurchase, aggregating 20% or less of the aggregate Cut-off Date Principal
Balance of all of the Group I Mortgage Loans. The right to repurchase all
Group
II Mortgage Loans and related REO Properties by the Majority Class II-C
Certificateholder pursuant to clause (a) in the preceding paragraph shall
be
conditioned upon the Stated Principal Balance of all of the Group II Mortgage
Loans in the related Sub-Trust, at the time of any such repurchase, aggregating
20% or less of the aggregate Cut-off Date Principal Balance of all of the
Group
II Mortgage Loans.
Only
an
amount (the “Group I REMIC Termination Payment”) equal to the Group I Mortgage
Loan Purchase Price less any Group I Swap Optional Termination Payment shall
be
made available for distribution to the Group I Regular Certificates. The
Group I
Swap Optional Termination Payment shall be withdrawn by the Securities
Administrator from the Distribution Account with respect to Loan Group I
and
remitted to the Supplemental Interest Trust to be paid in accordance with
Section 4.14(c). The Group I Swap Optional Termination Payment shall not
be part
of any REMIC and shall not be paid into any account which is part of any
REMIC.
Only an amount (the “Group II REMIC Termination Payment”) equal to the Group II
Mortgage Loan Purchase Price less any Group II Swap Optional Termination
Payment
shall be made available for distribution to the Group II Regular Certificates.
The Group II Swap Optional Termination Payment shall be withdrawn by the
Securities Administrator from the Distribution Account with respect to Loan
Group II and remitted to the Supplemental Interest Trust to be paid in
accordance with Section 4.15(c). The Group II Swap Optional Termination Payment
shall not be part of any REMIC and shall not be paid into any account which
is
part of any REMIC.
Notwithstanding
anything to the contrary herein, the Class I-R-2 Certificates and Class I-R-3
Certificates will not be retired until the later of (i) the retirement of
all
the Group II Certificates and (ii) the retirement of all the Group I
Certificates (other than the Class I-R-2 Certificates and Class I-R-3
Certificates).
Notwithstanding
the foregoing, the provisions of Section 8.03 hereof shall survive the
termination of this Agreement.
Section
11.02 Final
Distribution on the Group I Certificates and Group II Certificates.
If
on any
Determination Date, (i) the Master Servicer determines that there are no
related
Outstanding Mortgage Loans and no other funds or assets in the related Sub-Trust
other than the funds in the Master Servicer Collection Account, the Master
Servicer shall direct the Securities Administrator to send a final distribution
notice promptly to each related Certificateholder or (ii) the Securities
Administrator determines that a Class of Certificates shall be retired after
a
final distribution on such Class, the Securities Administrator shall notify
the
related Certificateholders within five (5) Business Days after such
Determination Date that the final distribution in retirement of such Class
of
Certificates is scheduled to be made on the immediately following Distribution
Date. Any final distribution made pursuant to the immediately preceding sentence
shall be made only upon presentation and surrender of the related Certificates
at the Corporate Office of the Securities Administrator. If the Majority
Class
I-C Certificateholder or Majority Class II-C Certificateholder, as applicable,
elects to terminate the related Sub-Trust pursuant to Section 11.01, at least
20
days prior to the date notice is to be mailed to the related Certificateholders,
the Majority Class I-C Certificateholder or Majority Class II-C
Certificateholder, as applicable, shall notify the Depositor, the Securities
Administrator, the Trustee and the Swap Provider of the date the Majority
Class
I-C Certificateholder or the Majority Class II-C Certificateholder, as
applicable, intends to terminate the related Sub-Trust. The Master Servicer
shall remit the related Mortgage Loan Purchase Price to the Securities
Administrator on the Business Day prior to the Distribution Date for such
Group
I Optional Termination or Group II Optional Termination by the Majority Class
I-C Certificateholder or Majority Class I-C Certificateholder, as
applicable.
Notice
of
any termination of the related Sub-Trust, specifying the Distribution Date
on
which related Certificateholders may surrender their Certificates for payment
of
the final distribution and cancellation, shall be given promptly by the
Securities Administrator by letter to related Certificateholders mailed not
later than two Business Days after the Determination Date in the month of
such
final distribution. Any such notice shall specify (a) the Distribution Date
upon
which final distribution on the related Certificates shall be made upon
presentation and surrender of related Certificates at the office therein
designated, (b) the amount of such final distribution, (c) the location of
the
office or agency at which such presentation and surrender must be made and
(d)
that the Record Date otherwise applicable to such Distribution Date is not
applicable, distributions being made only upon presentation and surrender
of the
related Certificates at the office therein specified. The Securities
Administrator will give such notice to each Rating Agency at the time such
notice is given to related Certificateholders.
In
the
event such notice is given, the Master Servicer shall cause all related funds
in
the Master Servicer Collection Account to be remitted to the Securities
Administrator for deposit in the Distribution Account on the Business Day
prior
to the applicable Distribution Date in an amount equal to the final distribution
in respect of the related Certificates. Upon such final deposit with respect
to
the Sub-Trust and the receipt by related Custodian of a Request for Release
therefor, the related Custodian shall promptly release to the Master Servicer,
as applicable the Mortgage Files for the related Mortgage Loans and the Trustee
shall execute and deliver any documents prepared and delivered to it which
are
necessary to transfer any REO Property.
Upon
presentation and surrender of the related Certificates, the Securities
Administrator shall cause to be distributed to related Certificateholders
of
each Class in accordance with the Remittance Report the amounts allocable
to
such Certificates held in the Distribution Account in the order and priority
set
forth in Section 6.04 hereof on the final Distribution Date and in proportion
to
their respective Percentage Interests.
In
the
event that any affected Certificateholders shall not surrender Certificates
for
cancellation within six months after the date specified in the above mentioned
written notice, the Securities Administrator shall give a second written
notice
to the remaining Certificateholders to surrender their Certificates for
cancellation and receive the final distribution with respect thereto. If
within
six months after the second notice all the applicable Certificates shall
not
have been surrendered for cancellation, the Securities Administrator may
take
appropriate steps, or may appoint an agent to take appropriate steps, to
contact
the remaining Certificateholders concerning surrender of their Certificates,
and
the cost thereof shall be paid out of the funds and other assets that remain
a
part of the related Sub-Trusts. If within one year after the second notice
all
related Certificates shall not have been surrendered for cancellation, the
related Residual Certificateholders shall be entitled to all unclaimed funds
and
other assets of the Trust Fund that remain subject hereto.
Section
11.03 Additional
Termination Requirements.
(a) Upon
exercise by the Majority Class I-C Certificateholder or Majority Class II-C
Certificateholder, as applicable, of its purchase option as provided in Section
11.01, the related Sub-Trust shall be terminated in accordance with the
following additional requirements, unless each of the Trustee and the Securities
Administrator have been supplied with an Opinion of Counsel addressed to
the
Trustee, the Securities Administrator, at the expense of the Majority Class
I-C
Certificateholder or the Majority Class II-C Certificateholder, as applicable,
to the effect that the failure of the related Sub-Trust to comply with the
requirements of this Section 11.03 will not (i) result in the imposition
of
taxes on “prohibited transactions” of a REMIC, or (ii) cause a REMIC to fail to
qualify as a REMIC at any time that any related Certificates are
outstanding:
(1) The
Majority Class I-C Certificateholder or Majority Class II-C Certificateholder,
as applicable, shall establish a 90-day liquidation period for REMIC I, REMIC
II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII, as
applicable, and notify the Trustee and Securities Administrator thereof,
and the
Securities Administrator shall in turn specify the first day of such period
in a
statement attached to the tax return for REMIC I, REMIC II, REMIC III, REMIC
IV,
REMIC V, REMIC VI, REMIC VII or REMIC VIII, as applicable, pursuant to Treasury
Regulation Section 1.860F-1. The Majority Class I-C Certificateholder or
the
Majority Class II-C Certificateholder, as applicable, shall satisfy all the
requirements of a qualified liquidation under Section 860F of the Code and
any
regulations thereunder with respect to each REMIC related to the terminated
Sub-Trust, as evidenced by an Opinion of Counsel addressed to the Securities
Administrator and the Trustee obtained at the expense of the Majority Class
I-C
Certificateholder or the Majority Class II-C Certificateholder, as
applicable;
(2) During
such 90-day liquidation period, and at or prior to the time of making the
final
payment on the related Certificates, the Securities Administrator on behalf
of
the Trustee shall sell all of the assets of REMIC I or REMIC II, as applicable,
for cash; and
(3) At
the
time of the making of the final payment on the related Certificates, the
Securities Administrator shall distribute or credit, or cause to be distributed
or credited, to the Holders of the related Residual Certificates all cash
on
hand (other than cash retained to meet claims), and REMIC I, REMIC II, REMIC
III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC VIII, as applicable,
shall
terminate at that time.
(4) By
their
acceptance of the related Certificates, the Holders thereof hereby authorize
the
adoption of a 90-day liquidation period and plan of liquidation for the related
REMIC, which authorization shall be binding upon all successor related
Certificateholders.
(5) The
Securities Administrator, as agent for each related REMIC, hereby agrees
to
adopt and sign such a plan of complete liquidation upon the written request
of
the Majority Class I-C Certificateholder or the Majority Class II-C
Certificateholder, as applicable, and the receipt of the Opinion of Counsel
referred to in Section 11.03(a)(1), and to take such other action in connection
therewith as may be reasonably requested by the Majority Class I-C
Certificateholder or the Majority Class II-C Certificateholder, as
applicable.
ARTICLE
XII
MISCELLANEOUS
PROVISIONS
Section
12.01 Amendment.
This
Agreement may be amended from time to time by parties hereto without the
consent
of any of the Certificateholders to cure any ambiguity, to correct or supplement
any provisions herein (including to give effect to the expectations of
investors), to change the manner in which the Master Servicer Collection
Account
maintained by the Master Servicer or the Protected Account maintained by
the
Company is maintained or to make such other provisions with respect to matters
or questions arising under this Agreement as shall not be inconsistent with
any
other provisions herein if such action shall not, as evidenced by an Opinion
of
Counsel addressed to the Trustee (which opinion shall be an expense of the
party
requesting such opinion but in any case shall not be an expense of the Trustee),
adversely affect in any material respect the interests of any Certificateholder;
provided that any such amendment shall be deemed not to adversely affect
in any
material respect the interests of the Certificateholders and no such Opinion
of
Counsel shall be required if the Person requesting such amendment obtains
a
letter from each
Rating
Agency
stating
that such amendment would not result in the downgrading or withdrawal of
the
respective ratings then assigned to the Certificates.
Notwithstanding
the foregoing, without the consent of the Certificateholders, the parties
hereto
may at any time and from time to time amend this Agreement to modify, eliminate
or add to any of its provisions to such extent as shall be necessary or
appropriate to maintain the qualification of any of REMIC
I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII and REMIC
VIII
as a
REMIC under the Code or to avoid or minimize the risk of the imposition of
any
tax on any of REMIC
I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC
VIII
pursuant
to the Code that would be a claim against any of REMIC
I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC
VIII
at any
time prior to the final redemption of the Certificates, provided that the
Trustee, the Securities Administrator have been provided an Opinion of Counsel
addressed to the Trustee, which opinion shall be an expense of the party
requesting such opinion but in any case shall not be an expense of the Trustee,
the Securities Administrator or the Trust Fund, to the effect that such action
is necessary or appropriate to maintain such qualification or to avoid or
minimize the risk of the imposition of such a tax.
This
Agreement may also be amended from time to time by the parties hereto with
the
consent of the Holders of each Class of Certificates affected thereby evidencing
over 50% of the Voting Rights of such Class or Classes for the purpose of
adding
any provisions to or changing in any manner or eliminating any of the provisions
of this Agreement or of modifying in any manner the rights of the Holders
of
Certificates; provided that no such amendment shall (i) reduce in any manner
the
amount of, or delay the timing of, payments required to be distributed on
any
Certificate without the consent of the Holder of such Certificate, (ii) cause
any of REMIC
I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC
VIII
to cease
to qualify as a REMIC or (iii) reduce the aforesaid percentages of Certificates
of each Class the Holders of which are required to consent to any such amendment
without the consent of the Holders of all Certificates of such Class then
outstanding.
Notwithstanding
any contrary provision of this Agreement, the Trustee shall not consent to
any
amendment to this Agreement unless it shall have first received an Opinion
of
Counsel addressed to the Trustee and the Securities Administrator, which
opinion
shall be an expense of the party requesting such amendment but in any case
shall
not be an expense of the Trustee or the Securities Administrator, to the
effect
that such amendment will not (other than an amendment pursuant to clause
(ii)
of, and in accordance with, the preceding paragraph) cause the imposition
of any
tax on any of REMIC
I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC
VIII
or the
Certificateholders or cause any of REMIC
I,
REMIC II, REMIC III, REMIC IV, REMIC V, REMIC VI, REMIC VII or REMIC
VIII
to cease
to qualify as a REMIC at any time that any Certificates are outstanding.
Further, nothing in this Agreement shall require the Trustee to enter into
an
amendment without receiving an Opinion of Counsel, satisfactory to the Trustee
(i) that such amendment is permitted and is not prohibited by this Agreement
and
(ii) that all requirements for amending this Agreement (including any consent
of
the applicable Certificateholders) have been complied with.
Notwithstanding
any of the other provisions of this Section 12.01, none of the Depositor,
the
Master Servicer, the Securities Administrator or the Trustee shall (i)
enter into any amendment to this Agreement that could have an adverse effect
on
the rights of the Swap Provider under Section 4.14, Section 4.15, Section
6.04(a)(3)(F), Section
6.04(b)(3)(F) or Section 11.01 of this Agreement without the prior written
consent of the Swap Provider, which consent shall not be unreasonably withheld
or (ii) enter into any amendment that could have a materially
adverse effect on the Swap Provider without the prior written consent
of the Swap Provider, which consent shall not be unreasonably
withheld.
Promptly
after the execution of any amendment to this Agreement requiring the consent
of
Certificateholders, the Trustee shall furnish written notification of the
substance of such amendment to each Certificateholder, the Swap Provider
and
each
Rating
Agency.
It
shall
not be necessary for the consent of Certificateholders under this Section
to
approve the particular form of any proposed amendment, but it shall be
sufficient if such consent shall approve the substance thereof. The manner
of
obtaining such consents and of evidencing the authorization of the execution
thereof by Certificateholders shall be subject to such reasonable regulations
as
the Trustee may prescribe.
Section
12.02 Recordation
of
Agreement; Counterparts.
To
the
extent permitted by applicable law, this Agreement is subject to recordation
in
all appropriate public offices for real property records in all of the counties
or other comparable jurisdictions in which any or all of the Mortgaged
Properties are situated, and in any other appropriate public recording office
or
elsewhere. The Master Servicer shall effect such recordation at the Trust’s
expense upon the request in writing of a Certificateholder, but only if such
direction is accompanied by an Opinion of Counsel (provided at the expense
of
the Certificateholder requesting recordation) to the effect that such
recordation would materially and beneficially affect the interests of the
Certificateholders or is required by law.
For
the
purpose of facilitating the recordation of this Agreement as herein provided
and
for other purposes, this Agreement may be executed simultaneously in any
number
of counterparts, each of which counterparts shall be deemed to be an original,
and such counterparts shall constitute but one and the same
instrument.
Section
12.03 Governing
Law.
THIS
AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE SUBSTANTIVE
LAWS OF THE STATE OF NEW YORK APPLICABLE TO AGREEMENTS MADE AND TO BE PERFORMED
IN THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE
PARTIES
HERETO AND THE CERTIFICATEHOLDERS SHALL BE DETERMINED IN ACCORDANCE WITH
SUCH
LAWS WITHOUT REGARD TO THE CONFLICTS OF LAWS PRINCIPLES THEREOF (OTHER THAN
SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAWS).
Section
12.04 Intention
of
Parties.
It
is the
express intent of the parties hereto that the conveyance of the Mortgage
Notes,
Mortgages, assignments of Mortgages, title insurance policies and any
modifications, extensions and/or assumption agreements and private mortgage
insurance policies relating to the Mortgage Loans by the Sponsor to the
Depositor, and by the Depositor to the Trustee be, and be construed as, an
absolute sale thereof to the Depositor or the Trustee, as applicable. It
is,
further, not the intention of the parties that such conveyance be deemed
a
pledge thereof by each Sponsor to the Depositor, or by the Depositor to the
Trustee. However, in the event that, notwithstanding the intent of the parties,
such assets are held to be the property of the Sponsor or the Depositor,
as
applicable, or if for any other reason the Mortgage Loan Purchase Agreement
or
this Agreement is held or deemed to create a security interest in such assets,
then (i) the Mortgage Loan Purchase Agreement and this Agreement shall each
be
deemed to be a security agreement within the meaning of the Uniform Commercial
Code of the State of New York and (ii) the conveyance provided for in the
Mortgage Loan Purchase Agreement from the Sponsor to the Depositor, and the
conveyance provided for in this Agreement from the Depositor to the Trustee,
shall be deemed to be an assignment and a grant by the Sponsor or the Depositor,
as applicable, for the benefit of the Certificateholders of a security interest
in all of the assets that constitute the Trust Fund, whether now owned or
hereafter acquired.
The
Depositor for the benefit of the Certificateholders shall, to the extent
consistent with this Agreement, take such actions as may be necessary to
ensure
that, if this Agreement were deemed to create a security interest in the
assets
of the Trust Fund, such security interest would be deemed to be a perfected
security interest of first priority under applicable law and will be maintained
as such throughout the term of the Agreement.
Section
12.05 Notices.
(a) The
Securities Administrator shall use
its
best efforts to
promptly
provide notice to each Rating Agency and the Swap Provider with respect to
each
of the following of which a Responsible Officer of the Securities
Administrator has actual knowledge:
(i) Any
material change or amendment to this Agreement;
(ii) The
occurrence of any Event of Default that has not been cured;
(iii) The
resignation or termination of the Master Servicer, the Securities Administrator
or the Trustee and the appointment of any successor;
(iv) With
respect to each Loan Group, the repurchase or substitution of Mortgage Loans
pursuant to Sections 2.02, 2.03, 3.05 and 11.01; and
(v) With
respect to each Loan Group, the final payment to
Certificateholders.
(b) All
directions, demands and notices hereunder shall be in writing and shall be
deemed to have been duly given when delivered at or mailed by registered
mail,
return receipt requested, postage prepaid, or by recognized overnight courier,
or by facsimile transmission to a number provided by the appropriate party
if
receipt of such transmission is confirmed to (i) in the case of the Depositor,
Bear Xxxxxxx Asset Backed Securities I LLC, 000 Xxxxxxx Xxxxxx, Xxx Xxxx,
Xxx
Xxxx 00000, Attention: Chief Counsel and with respect to Regulation AB
notifications to the Depositor at xxxxxxxxxxxxxxxxxx@xxxx.xxx; (ii) in the
case
of EMC or the Company, EMC Mortgage Corporation, 000 Xxxxxx Xxxxx Xxxxx,
Xxxxxx,
Xxxxx 00000, Attention: Xxxxxx Xxxxx or such other address as may be hereafter
furnished to the other parties hereto by the Master Servicer in writing;
(iii)
in the case of the Trustee, at its Corporate Trust Office or such other address
as the Trustee may hereafter furnish to the other parties hereto, (iv) in
the
case of the Master Servicer or the Securities Administrator, 000 Xxxxx XxXxxxx
Xxxxxx, Xxxxx 0000, Xxxxxxx, Xxxxxxxx 00000, Attention: Global Securities
and
Trust Services Group-SACO 2006-5 or such other address as may be hereafter
furnished to the other parties hereto by the Securities Administrator in
writing, (v) in the case of Moody’s, 00 Xxxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000,
Attention: Home Equity Monitoring, or such other address as may be hereafter
furnished to the other parties hereto by Moody’s in writing and (vi) in the case
of Standard & Poor’s, a division of The XxXxxx-Xxxx Companies, Inc., 00
Xxxxx Xxxxxx, 00xx Xxxxx, Xxx Xxxx, Xxx Xxxx 00000 or such other address
as may
be hereafter furnished to the other parties hereto by Standard & Poor’s in
writing. Any notice delivered to EMC (on its own behalf as Seller and on
behalf
of Master Funding), the Master Servicer, the Securities Administrator or
the
Trustee under this Agreement shall be effective only upon receipt. Any notice
required or permitted to be mailed to a Certificateholder, unless otherwise
provided herein, shall be given by first-class mail, postage prepaid, at
the
address of such Certificateholder as shown in the Certificate Register; any
notice so mailed within the time prescribed in this Agreement shall be
conclusively presumed to have been duly given, whether or not the
Certificateholder receives such notice.
Section
12.06 Severability
of
Provisions.
If
any
one or more of the covenants, agreements, provisions or terms of this Agreement
shall be for any reason whatsoever held invalid, then such covenants,
agreements, provisions or terms shall be deemed severable from the remaining
covenants, agreements, provisions or terms of this Agreement and shall in
no way
affect the validity or enforceability of the other provisions of this Agreement
or of the Certificates or the rights of the Holders thereof.
Section
12.07 Assignment.
Notwithstanding
anything to the contrary contained herein, except as provided pursuant to
Section 8.02, this Agreement may not be assigned by the Master Servicer,
EMC
(on
its own behalf as Seller and on behalf of Master Funding)
or the
Depositor.
Section
12.08 Limitation
on
Rights of Certificateholders.
The
death
or incapacity of any Certificateholder shall not operate to terminate this
Agreement or the Trust Fund, nor entitle such Certificateholder’s legal
representative or heirs to claim an accounting or to take any action or commence
any proceeding in any court for a petition or winding up of the Trust Fund,
or
otherwise affect the rights, obligations and liabilities of the parties hereto
or any of them.
No
Certificateholder shall have any right to vote (except as provided herein)
or in
any manner otherwise control the operation and management of the Trust Fund,
or
the obligations of the parties hereto, nor shall anything herein set forth
or
contained in the terms of the Certificates be construed so as to constitute
the
Certificateholders from time to time as partners or members of an association;
nor shall any Certificateholder be under any liability to any third party
by
reason of any action taken by the parties to this Agreement pursuant to any
provision hereof.
No
Certificateholder shall have any right by virtue or by availing itself of
any
provisions of this Agreement to institute any suit, action or proceeding
in
equity or at law upon or under or with respect to this Agreement, unless
such
Holder previously shall have given to the Trustee a written notice of an
Event
of Default and of the continuance thereof, as hereinbefore provided, the
Holders
of Certificates evidencing not less than 25% of the Voting Rights evidenced
by
the Certificates shall also have made written request to the Trustee to
institute such action, suit or proceeding in its own name as Trustee hereunder
and shall have offered to the Trustee such reasonable indemnity as it may
require against the costs, expenses, and liabilities to be incurred therein
or
thereby, and the Trustee for 60 days after its receipt of such notice, request
and offer of indemnity shall have neglected or refused to institute any such
action, suit or proceeding; it being understood and intended, and being
expressly covenanted by each Certificateholder with every other
Certificateholder and the Trustee, that no one or more Holders of Certificates
shall have any right in any manner whatever by virtue or by availing itself
or
themselves of any provisions of this Agreement to affect, disturb or prejudice
the rights of the Holders of any other of the Certificates, or to obtain
or seek
to obtain priority over or preference to any other such Holder or to enforce
any
right under this Agreement, except in the manner herein provided and for
the
common benefit of all Certificateholders. For the protection and enforcement
of
the provisions of this Section 12.08, each and every Certificateholder and
the
Trustee shall be entitled to such relief as can be given either at law or
in
equity.
Section
12.09 Inspection
and
Audit Rights.
The
Master Servicer agrees that, on reasonable prior notice, it will permit any
representative of the Depositor or the Trustee during the Master Servicer’s
normal business hours, to examine all the books of account, records, reports
and
other papers of the Master Servicer relating to the Mortgage Loans, to make
copies and extracts therefrom, to cause such books to be audited by independent
certified public accountants selected by the Depositor and the Trustee and
to
discuss its affairs, finances and accounts relating to such Mortgage Loans
with
its officers, employees and independent public accountants (and by this
provision the Master Servicer hereby authorizes such accountants to discuss
with
such representative such affairs, finances and accounts), all at such reasonable
times and as often as may be reasonably requested. Any out-of-pocket expense
incident to the exercise by the Depositor or the Trustee of any right under
this
Section 12.09 shall be borne by the party requesting such inspection, subject
to
such party’s right to reimbursement hereunder (in the case of the Trustee,
pursuant to Section 10.05 hereof.
Section
12.10 Certificates
Nonassessable and Fully Paid.
It
is the
intention of the Depositor that Certificateholders shall not be personally
liable for obligations of the Trust Fund, that the interests in the Trust
Fund
represented by the Certificates shall be nonassessable for any reason
whatsoever, and that the Certificates, upon due authentication thereof by
the
Securities Administrator pursuant to this Agreement, are and shall be deemed
fully paid.
Section
12.11 Third
Party Rights.
The
Swap
Provider and the Swap Administrator shall be third-party beneficiaries of
this
Agreement to the same extent as if they were parties hereto, and shall have
the
right to enforce the provisions of this Agreement.
*
*
*
IN
WITNESS WHEREOF, the Depositor, the Sponsor, the Company, the Master Servicer,
the Securities Administrator and the Trustee have caused their names to be
signed hereto by their respective officers thereunto duly authorized as of
the
day and year first above written.
|
BEAR
XXXXXXX ASSET BACKED
SECURITIES
I LLC,
as
Depositor
|
||||||||||||||
|
By:
|
/s/
Xxxxxx X. Xxxxxxxxx, Xx.
|
|||||||||||||
|
Name:
|
Xxxxxx
X. Xxxxxxxxx, Xx.
|
|||||||||||||
|
Title:
|
Vice
President
|
|||||||||||||
|
EMC
MORTGAGE CORPORATION,
as
Sponsor and Company
|
||||||||||||||
|
By:
|
/s/
Xxxxx Xxxxxxxx
|
|||||||||||||
|
Name:
|
Xxxxx
Xxxxxxxx
|
|||||||||||||
|
Title:
|
Executive
Vice President
|
|||||||||||||
|
LASALLE
BANK NATIONAL
ASSOCIATION,
as
Master Servicer and Securities Administrator
|
||||||||||||||
|
By:
|
/s/
Xxxxx X. Xxxx
|
|||||||||||||
|
Name:
|
Xxxxx
X. Xxxx
|
|||||||||||||
|
Title:
|
Assistant
Vice President
|
|||||||||||||
|
CITIBANK,
N.A.,
as
Trustee
|
||||||||||||||
|
By:
|
/s/
Xxxx Xxxxxx
|
|||||||||||||
|
Name:
|
Xxxx
Xxxxxx
|
|||||||||||||
|
Title:
|
Vice
President
|
|||||||||||||
|
STATE
OF NEW YORK
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)
|
|
)
ss.:
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|
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COUNTY
OF NEW YORK
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)
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On
this
28th
day of
April, 2006, before me, a notary public in and for said State, appeared
Xxxxxx
X.
Xxxxxxxxx, Xx.,
personally known to me on the basis of satisfactory evidence to be an authorized
representative of Bear Xxxxxxx Asset Backed Securities I LLC, one of the
companies that executed the within instrument, and also known to me to be
the
person who executed it on behalf of such limited liability company and
acknowledged to me that such limited liability company executed the within
instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal
the
day and year in this certificate first above written.
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Notary
Public
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[Notarial
Seal]
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STATE
OF TEXAS
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)
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)
ss.:
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COUNTY
OF DALLAS
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)
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On
this
28th
day of
April, 2006, before me, a notary public in and for said State, appeared Xxxxx
Xxxxxxxx, personally known to me on the basis of satisfactory evidence to
be an
authorized representative of EMC Mortgage Corporation, one of the corporations
that executed the within instrument, and also known to me to be the person
who
executed it on behalf of such corporation and acknowledged to me that such
corporation executed the within instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal
the
day and year in this certificate first above written.
|
Notary
Public
|
[Notarial
Seal]
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STATE
OF ILLINOIS
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)
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|
)
ss.:
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|
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COUNTY
OF
|
)
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On
this
28th
day of
April, 2006, before me, a notary public in and for said State, appeared Xxxxx
X.
Xxxx, personally known to me on the basis of satisfactory evidence to be
an
Assistant Vice President of LaSalle Bank National Association that executed
the
within instrument, and also known to me to be the person who executed it
on
behalf of such national banking association, and acknowledged to me that
such
national banking association executed the within instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal
the
day and year in this certificate first above written.
|
Notary
Public
|
[Notarial
Seal]
|
STATE
OF NEW YORK
|
)
|
|
)
ss.:
|
|
|
COUNTY
OF NEW YORK
|
)
|
On
this
28th
day of
April, 2006, before me, a notary public in and for said State, appeared Xxxx
Xxxxxx, personally known to me on the basis of satisfactory evidence to be
an
authorized representative of Citibank, N.A. that executed the within instrument,
and also known to me to be the person who executed it on behalf of such national
banking association, and acknowledged to me that such national banking
association executed the within instrument.
IN
WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal
the
day and year in this certificate first above written.
|
Notary
Public
|
EXHIBIT
A-1
FORM
OF CLASS [_]-A CERTIFICATES
SOLELY
FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE REPRESENTS A “REGULAR
INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE
OF
1986 (THE “CODE”).
THE
CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE DECREASED BY THE
PRINCIPAL PAYMENTS HEREON AND REALIZED LOSSES ALLOCABLE HERETO. ACCORDINGLY,
FOLLOWING THE INITIAL ISSUANCE OF THE CERTIFICATES, THE CERTIFICATE PRINCIPAL
BALANCE OF THIS CERTIFICATE WILL BE DIFFERENT FROM THE DENOMINATION SHOWN BELOW.
ANYONE ACQUIRING THIS CERTIFICATE MAY ASCERTAIN ITS CERTIFICATE PRINCIPAL
BALANCE BY INQUIRY OF THE SECURITIES ADMINISTRATOR NAMED
HEREIN.
UNLESS
THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY
TRUST COMPANY TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER,
EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF
CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.
|
Certificate
No. 1
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Adjustable
Pass-Through Rate
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|
Class
[_]-A
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|
|
Date
of Pooling and Servicing Agreement
and
Cut-off Date:
April
1, 2006
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Aggregate
Initial Certificate Principal
Balance
of this Certificate as of the Cut-off
Date:
$[__________]
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|
First
Distribution Date:
May
25, 2006
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Initial
Certificate Principal Balance of this
Certificate
as of the Cut-off Date:
$[__________]
|
|
Master
Servicer and Securities Administrator:
LaSalle
Bank National Association
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CUSIP:
[__________]
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Last
Scheduled Distribution Date:
[__________],
2036
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MORTGAGE-BACKED
CERTIFICATE
SERIES
2006-5
evidencing
a Percentage Interest in the distributions allocable to the Class [_]-A
Certificates with respect to a Trust Fund consisting primarily of a pool of
certain fixed rate, junior lien one- to four-family mortgage loans sold by
BEAR
XXXXXXX ASSET BACKED SECURITIES I LLC.
This
Certificate is payable solely from the assets of the Trust Fund, and does not
represent an obligation of or interest in Bear Xxxxxxx Asset Backed Securities
I
LLC, the Master Servicer, the Securities Administrator or the Trustee referred
to below or any of their affiliates or any other person. Neither this
Certificate nor the underlying Mortgage Loans are guaranteed or insured by
any
governmental entity or by Bear Xxxxxxx Asset Backed Securities I LLC, the Master
Servicer, the Securities Administrator or the Trustee or any of their affiliates
or any other person. None of Bear Xxxxxxx Asset Backed Securities I LLC, the
Master Servicer or any of their affiliates will have any obligation with respect
to any certificate or other obligation secured by or payable from payments
on
the Certificates.
This
certifies that Cede & Co. is the registered owner of the Percentage Interest
evidenced hereby in the beneficial ownership interest of Certificates of the
same Class as this Certificate in a trust (the “Trust Fund”) generally
consisting of conventional, closed-end, second lien, fixed rate mortgage loans
secured by one- to four- family residences (collectively, the “Mortgage Loans”)
sold by Bear Xxxxxxx Asset Backed Securities I LLC (“BSABS I”). The Mortgage
Loans were sold by EMC Mortgage Corporation (“EMC”) to BSABS I. LaSalle Bank
National Association will act as master servicer of the Mortgage Loans (in
that
capacity, the “Master Servicer,” which term includes any successors thereto
under the Agreement referred to below). The Trust Fund was created pursuant
to
the Pooling and Servicing Agreement, dated as of the Cut-off Date specified
above (the “Agreement”), among BSABS I, as depositor (the “Depositor”), EMC
Mortgage Corporation as sponsor and company, LaSalle Bank National Association,
as Master Servicer and securities administrator (the “Securities Administrator”)
and Citibank, N.A., as trustee (the “Trustee”), a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, capitalized terms used herein shall have the meaning ascribed to them
in
the Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of its acceptance hereof assents and by which such
Holder is bound.
Interest
on this Certificate will accrue from and including the immediately preceding
Distribution Date (or with respect to the First Distribution Date, the Closing
Date) to and including the day prior to the current Distribution Date on the
Certificate Principal Balance hereof at a per annum rate equal to the
Pass-Through Rate set forth above. The Securities Administrator will distribute
on the 25th day of each month, or, if such 25th day is not a Business Day,
the
immediately following Business Day (each, a “Distribution Date”), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered at the close of business on the Business Day
immediately preceding such Distribution Date so long as such Certificate remains
in book-entry form (and otherwise, the close of business on the last Business
Day of the month immediately preceding the month of such Distribution Date),
an
amount equal to the product of the Percentage Interest evidenced by this
Certificate and the amount (of interest and principal, if any) required to
be
distributed to the Holders of Certificates of the same Class as this
Certificate. The Assumed Final Distribution Date is the Distribution Date in
the
month following the latest scheduled maturity date of any Mortgage
Loan.
Distributions
on this Certificate will be made by the Securities Administrator by check mailed
to the address of the Person entitled thereto as such name and address shall
appear on the Certificate Register or, if such Person so requests by notifying
the Securities Administrator in writing as specified in the Agreement.
Notwithstanding the above, the final distribution on this Certificate will
be
made after due notice by the Securities Administrator of the pendency of such
distribution and only upon presentation and surrender of this Certificate at
the
office or agency appointed by the Securities Administrator for that purpose
and
designated in such notice. The initial Certificate Principal Balance of this
Certificate is set forth above. The Certificate Principal Balance hereof will
be
reduced to the extent of distributions allocable to principal hereon and any
Realized Losses allocable hereto.
This
Certificate is one of a duly authorized issue of Certificates designated as
set
forth on the face hereof (the “Certificates”). The Certificates, in the
aggregate, evidence the entire beneficial ownership interest in the Trust Fund
formed pursuant to the Agreement.
The
Certificateholder, by its acceptance of this Certificate, agrees that it will
look solely to the Trust Fund for payment hereunder and that neither the Trustee
nor the Securities Administrator is liable to the Certificateholders for any
amount payable under this Certificate or the Agreement or, except as expressly
provided in the Agreement, subject to any liability under the
Agreement.
This
Certificate does not purport to summarize the Agreement and reference is made
to
the Agreement for the interests, rights and limitations of rights, benefits,
obligations and duties evidenced hereby, and the rights, duties and immunities
of the Securities Administrator and the Trustee.
The
Agreement permits, with certain exceptions therein provided, the amendment
thereof and the modification of the rights and obligations of the Depositor
and
the rights of the Certificateholders under the Agreement from time to time
by
the parties thereto with the consent of the Holders of each Class of
Certificates affected thereby evidencing over 50% of the Voting Rights of such
Class or Classes. Any such consent by the the Holder of this Certificate shall
be conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in lieu
hereof whether or not notation of such consent is made upon this Certificate.
The Agreement also permits the amendment thereof, in certain limited
circumstances, without the consent of the Holders of any of the
Certificates.
As
provided in the Agreement and subject to certain limitations therein set forth,
the transfer of this Certificate is registrable with the Securities
Administrator upon surrender of this Certificate for registration of transfer
at
the offices or agencies maintained by the Securities Adminstrator for such
purposes, duly endorsed by, or accompanied by a written instrument of transfer
in form satisfactory to the Securities Adminstrator duly executed by the Holder
hereof or such Holder’s attorney duly authorized in writing, and thereupon one
or more new Certificates in authorized denominations representing a like
aggregate Percentage Interest will be issued to the designated
transferee.
The
Certificates are issuable only as registered Certificates without coupons in
the
Classes and denominations specified in the Agreement. As provided in the
Agreement and subject to certain limitations therein set forth, this Certificate
is exchangeable for one or more new Certificates evidencing the same Class
and
in the same aggregate Percentage Interest, as requested by the Holder
surrendering the same.
No
service charge will be made to the Certificateholders for any such registration
of transfer, but the Securities Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith. The Depositor, the Master Servicer, the Securities Administrator,
the
Trustee and any agent of any of them may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of
the
Depositor, the Master Servicer, the Securities Administrator, the Trustee or
any
such agent shall be affected by notice to the contrary.
The
obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to
the
termination of the Agreement) shall terminate upon the earlier of (i) the later
of (A) the maturity or other liquidation (or Advance with respect thereto)
of
the last Mortgage Loan remaining in the Trust Fund and disposition of all
property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (B) the remittance of all funds due under the Agreement,
or
(ii) the optional repurchase by the party named in the Agreement of all the
Mortgage Loans and other assets of the Trust Fund in accordance with the terms
of the Agreement. Such optional repurchase may be made only on or after the
first Distribution Date on which the aggregate Stated Principal Balance of
the
Mortgage Loans is less than or equal to a certain percentage of the aggregate
Stated Principal Balance of the Mortgage Loans as of the Cut-off Date as set
forth in the Agreement. The exercise of such right will effect the early
retirement of the Certificates. In no event, however, will the Trust Fund
created by the Agreement continue beyond the earlier of (i) the expiration
of 21
years after the death of certain persons identified in the Agreement and (ii)
the Latest Possible Maturity Date (as defined in the Agreement).
Unless
this Certificate has been countersigned by an authorized signatory of the
Securities Administrator by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement, or be valid for any
purpose.
IN
WITNESS WHEREOF, the Securities Administrator has caused this Certificate to
be
duly executed.
|
Dated:
____________, 2006
|
LASALLE
BANK NATIONAL
ASSOCIATION,
not in its individual capacity
but
solely as Securities Administrator
|
||||||||||||
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By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
CERTIFICATE
OF AUTHENTICATION
This
is
one of the Class [_]-A Certificates referred to in the within-mentioned
Agreement.
|
LASALLE
BANK NATIONAL
ASSOCIATION,
Authorized signatory of
LaSalle
Bank National Association , not in its
individual
capacity but solely as Securities
Administrator
|
|||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
ASSIGNMENT
FOR
VALUE
RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto
__________________________________ (Please print or typewrite name and address
including postal zip code of assignee) a Percentage Interest evidenced by the
within Asset-Backed Certificate and hereby authorizes the transfer of
registration of such interest to assignee on the Certificate Register of the
Trust Fund.
I
(We)
further direct the Certificate Registrar to issue a new Certificate of a like
denomination and Class, to the above named assignee and deliver such Certificate
to the following address:
|
Dated:
|
|
|
Signature
by or on behalf of assignor
|
|
|
Signature
Guaranteed
|
DISTRIBUTION
INSTRUCTIONS
|
The
assignee should include the following for purposes of
distribution:
|
|||||||
|
Distributions
shall be made, by wire transfer or otherwise, in immediately available
|
|||||||
|
funds
to
|
|||||||
|
for
the account of
|
|||||||
|
account
number
|
or,
if mailed by check, to
|
||||||
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Applicable
statements should be mailed to
|
|||||||
|
This
information is provided by
|
|||||||
|
assignee
named above, or
|
|||||||
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its
agent.
|
|||||||
EXHIBIT
A-2
Form
of
Class [_]-M-[_] Certificates
THIS
CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP [__] SENIOR
CERTIFICATES [,] [THE CLASS I-M-1 CERTIFICATES] [,] [THE CLASS I-M-2
CERTIFICATES] [,] [THE CLASS I-M-3 CERTIFICATES] [,] [THE CLASS I-M-4
CERTIFICATES] [,] [THE CLASS I-M-5 CERTIFICATES] [,] [AND] [THE CLASS I-M-6
CERTIFICATES] AS DESCRIBED IN THE AGREEMENT (AS DEFINED
BELOW).
SOLELY
FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE REPRESENTS A “REGULAR
INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE
OF
1986 (THE “CODE”).
EACH
HOLDER OF A CERTIFICATE OR BENEFICIAL OWNERSHIP SHALL BE DEEMED TO HAVE MADE
THE
REPRESENTATIONS SET FORTH IN SECTION 7.02(h) OF THE POOLING AND SERVICING
AGREEMENT.
THE
CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE DECREASED BY THE
PRINCIPAL PAYMENTS HEREON AND REALIZED LOSSES ALLOCABLE HERETO. ACCORDINGLY,
FOLLOWING THE INITIAL ISSUANCE OF THE CERTIFICATES, THE CERTIFICATE PRINCIPAL
BALANCE OF THIS CERTIFICATE WILL BE DIFFERENT FROM THE DENOMINATION SHOWN BELOW.
ANYONE ACQUIRING THIS CERTIFICATE MAY ASCERTAIN ITS CERTIFICATE PRINCIPAL
BALANCE BY INQUIRY OF THE SECURITIES ADMINISTRATOR NAMED
HEREIN.
UNLESS
THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY
TRUST COMPANY TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER,
EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF
CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE
OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.
|
Certificate
No.1
|
Adjustable
Pass-Through Rate
|
|
Class
[_]-M-[_] Subordinate
|
|
|
Date
of Pooling and Servicing Agreement
and
Cut-off Date:
April
1, 2006
|
Aggregate
Initial Certificate Principal
Balance
of this Certificate as of the Cut-off
Date:
$[__________]
|
|
First
Distribution Date:
May
25, 2006
|
Initial
Certificate Principal Balance of this
Certificate
as of the Cut-off Date:
$[__________]
|
|
Master
Servicer and Securities Administrator:
LaSalle
Bank National Association
|
CUSIP:
[__________]
|
|
Last
Scheduled Distribution Date:
[__________],
2036
|
|
MORTGAGE-BACKED
CERTIFICATE
SERIES
2006-5
evidencing
a Percentage Interest in the distributions allocable to the Class [_]-M-[_]
Certificates with respect to a Trust Fund consisting primarily of a pool of
certain fixed rate, junior lien one- to four-family mortgage loans sold by
BEAR
XXXXXXX ASSET BACKED SECURITIES I LLC.
This
Certificate is payable solely from the assets of the Trust Fund, and does not
represent an obligation of or interest in Bear Xxxxxxx Asset Backed Securities
I
LLC, the Master Servicer, the Securities Administrator or the Trustee referred
to below or any of their affiliates or any other person. Neither this
Certificate nor the underlying Mortgage Loans are guaranteed or insured by
any
governmental entity or by Bear Xxxxxxx Asset Backed Securities I LLC, the Master
Servicer, the Securities Administrator or the Trustee or any of their affiliates
or any other person. None of Bear Xxxxxxx Asset Backed Securities I LLC, the
Master Servicer or any of their affiliates will have any obligation with respect
to any certificate or other obligation secured by or payable from payments
on
the Certificates.
This
certifies that Cede & Co. is the registered owner of the Percentage Interest
evidenced hereby in the beneficial ownership interest of Certificates of the
same Class as this Certificate in a trust (the “Trust Fund”) generally
consisting of conventional, closed-end, second lien, fixed rate mortgage loans
secured by one- to four- family residences (collectively, the “Mortgage Loans”)
sold by Bear Xxxxxxx Asset Backed Securities I LLC (“BSABS I”). The Mortgage
Loans were sold by EMC Mortgage Corporation (“EMC”) to BSABS I. LaSalle Bank
National Association will act as master servicer of the Mortgage Loans (in
that
capacity, the “Master Servicer,” which term includes any successors thereto
under the Agreement referred to below). The Trust Fund was created pursuant
to
the Pooling and Servicing Agreement, dated as of the Cut-off Date specified
above (the “Agreement”), among BSABS I, as depositor (the “Depositor”), EMC
Mortgage Corporation as sponsor and company, LaSalle Bank National Association,
as Master Servicer and securities administrator (the “Securities Administrator”)
and Citibank, N.A., as trustee (the “Trustee”), a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, capitalized terms used herein shall have the meaning ascribed to them
in
the Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of its acceptance hereof assents and by which such
Holder is bound.
Interest
on this Certificate will accrue from and including the immediately preceding
Distribution Date (or with respect to the First Distribution Date, the Closing
Date) to and including the day prior to the current Distribution Date on the
Certificate Principal Balance hereof at a per annum rate equal to the
Pass-Through Rate set forth above. The Securities Administrator will distribute
on the 25th day of each month, or, if such 25th day is not a Business Day,
the
immediately following Business Day (each, a “Distribution Date”), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered at the close of business on the Business Day
immediately preceding such Distribution Date so long as such Certificate remains
in book-entry form (and otherwise, the close of business on the last Business
Day of the month immediately preceding the month of such Distribution Date),
an
amount equal to the product of the Percentage Interest evidenced by this
Certificate and the amount (of interest and principal, if any) required to
be
distributed to the Holders of Certificates of the same Class as this
Certificate. The Assumed Final Distribution Date is the Distribution Date in
the
month following the latest scheduled maturity date of any Mortgage
Loan.
Each
holder of a Certificate or beneficial ownership shall be deemed to have made
the
representations set forth in Section 7.02(h) of the Pooling and Servicing
Agreement.
Distributions
on this Certificate will be made by the Securities Administrator by check mailed
to the address of the Person entitled thereto as such name and address shall
appear on the Certificate Register or, if such Person so requests by notifying
the Securities Administrator in writing as specified in the Agreement.
Notwithstanding the above, the final distribution on this Certificate will
be
made after due notice by the Securities Administrator of the pendency of such
distribution and only upon presentation and surrender of this Certificate at
the
office or agency appointed by the Securities Administrator for that purpose
and
designated in such notice. The initial Certificate Principal Balance of this
Certificate is set forth above. The Certificate Principal Balance hereof will
be
reduced to the extent of distributions allocable to principal hereon and any
Realized Losses allocable hereto.
This
Certificate is one of a duly authorized issue of Certificates designated as
set
forth on the face hereof (the “Certificates”). The Certificates, in the
aggregate, evidence the entire beneficial ownership interest in the Trust Fund
formed pursuant to the Agreement.
The
Certificateholder, by its acceptance of this Certificate, agrees that it will
look solely to the Trust Fund for payment hereunder and that neither the Trustee
nor the Securities Administrator is liable to the Certificateholders for any
amount payable under this Certificate or the Agreement or, except as expressly
provided in the Agreement, subject to any liability under the
Agreement.
This
Certificate does not purport to summarize the Agreement and reference is made
to
the Agreement for the interests, rights and limitations of rights, benefits,
obligations and duties evidenced hereby, and the rights, duties and immunities
of the Securities Administrator and the Trustee.
The
Agreement permits, with certain exceptions therein provided, the amendment
thereof and the modification of the rights and obligations of the Depositor
and
the rights of the Certificateholders under the Agreement from time to time
by
the parties thereto with the consent of the Holders of each Class of
Certificates affected thereby evidencing over 50% of the Voting Rights of such
Class or Classes. Any such consent by the Holder of this Certificate shall
be
conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in lieu
hereof whether or not notation of such consent is made upon this Certificate.
The Agreement also permits the amendment thereof, in certain limited
circumstances, without the consent of the Holders of any of the
Certificates.
As
provided in the Agreement and subject to certain limitations therein set forth,
the transfer of this Certificate is registrable with the Securities
Administrator upon surrender of this Certificate for registration of transfer
at
the offices or agencies maintained by the Securities Administrator for such
purposes, duly endorsed by, or accompanied by a written instrument of transfer
in form satisfactory to the Securities Administrator duly executed by the Holder
hereof or such Holder’s attorney duly authorized in writing, and thereupon one
or more new Certificates in authorized denominations representing a like
aggregate Percentage Interest will be issued to the designated
transferee.
The
Certificates are issuable only as registered Certificates without coupons in
the
Classes and denominations specified in the Agreement. As provided in the
Agreement and subject to certain limitations therein set forth, this Certificate
is exchangeable for one or more new Certificates evidencing the same Class
and
in the same aggregate Percentage Interest, as requested by the Holder
surrendering the same.
No
service charge will be made to the Certificateholders for any such registration
of transfer, but the Securities Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith. The Depositor, the Master Servicer, the Securities Administrator,
the
Trustee and any agent of any of them may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of
the
Depositor, the Master Servicer, the Securities Administrator, the Trustee or
any
such agent shall be affected by notice to the contrary.
The
obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to
the
termination of the Agreement) shall terminate upon the earlier of (i) the later
of (A) the maturity or other liquidation (or Advance with respect thereto)
of
the last Mortgage Loan remaining in the Trust Fund and disposition of all
property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (B) the remittance of all funds due under the Agreement,
or
(ii) the optional repurchase by the party named in the Agreement of all the
Mortgage Loans and other assets of the Trust Fund in accordance with the terms
of the Agreement. Such optional repurchase may be made only on or after the
first Distribution Date on which the aggregate Stated Principal Balance of
the
Mortgage Loans is less than or equal to a certain percentage of the aggregate
Stated Principal Balance of the Mortgage Loans as of the Cut-off Date as set
forth in the Agreement. The exercise of such right will effect the early
retirement of the Certificates. In no event, however, will the Trust Fund
created by the Agreement continue beyond the earlier of (i) the expiration
of 21
years after the death of certain persons identified in the Agreement and (ii)
the Latest Possible Maturity Date (as defined in the Agreement).
Unless
this Certificate has been countersigned by an authorized signatory of the
Securities Administrator by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement, or be valid for any
purpose.
IN
WITNESS WHEREOF, the Securities Administrator has caused this Certificate to
be
duly executed.
|
Dated:
____________, 2006
|
LASALLE
BANK NATIONAL
ASSOCIATION,
not in its individual capacity
but
solely as Securities Administrator
|
||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
CERTIFICATE
OF AUTHENTICATION
This
is
one of the Class [_]-M-[_] Certificates referred to in the within-mentioned
Agreement.
|
LASALLE
BANK NATIONAL
ASSOCIATION,
Authorized signatory of
LaSalle
Bank National Association , not in its
individual
capacity but solely as Securities
Administrator
|
|||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
ASSIGNMENT
FOR
VALUE
RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto
__________________________________ (Please print or typewrite name and address
including postal zip code of assignee) a Percentage Interest evidenced by the
within Asset-Backed Certificate and hereby authorizes the transfer of
registration of such interest to assignee on the Certificate Register of the
Trust Fund.
I
(We)
further direct the Certificate Registrar to issue a new Certificate of a like
denomination and Class, to the above named assignee and deliver such Certificate
to the following address:
|
Dated:
|
|
|
Signature
by or on behalf of assignor
|
|
|
Signature
Guaranteed
|
DISTRIBUTION
INSTRUCTIONS
|
The
assignee should include the following for purposes of
distribution:
|
|||||||
|
Distributions
shall be made, by wire transfer or otherwise, in immediately available
|
|||||||
|
funds
to
|
|||||||
|
for
the account of
|
|||||||
|
account
number
|
or,
if mailed by check, to
|
||||||
|
Applicable
statements should be mailed to
|
|||||||
|
This
information is provided by
|
|||||||
|
assignee
named above, or
|
|||||||
|
its
agent.
|
|||||||
EXHIBIT
A-3
FORM
OF
CLASS [_]-B-[1][2][3][4] CERTIFICATES
THIS
CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP [__] SENIOR
CERTIFICATES, CLASS [__]-M CERTIFICATES [,] [AND] [CLASS [__]-B-2 CERTIFICATES]
[,] [AND] [CLASS [,] [__]-B-3 CERTIFICATES] AS DESCRIBED IN THE AGREEMENT (AS
DEFINED BELOW).
THE
CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE DECREASED BY THE
PRINCIPAL PAYMENTS HEREON AND REALIZED LOSSES ALLOCABLE THERETO. ACCORDINGLY,
FOLLOWING THE INITIAL ISSUANCE OF THE CERTIFICATES, THE CERTIFICATE PRINCIPAL
BALANCE OF THIS CERTIFICATE WILL BE DIFFERENT FROM THE DENOMINATION SHOWN BELOW.
ANYONE ACQUIRING THIS CERTIFICATE MAY ASCERTAIN ITS CERTIFICATE PRINCIPAL
BALANCE BY INQUIRY OF THE SECURITIES ADMINISTRATOR NAMED
HEREIN.
SOLELY
FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE REPRESENTS A “REGULAR
INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE
OF
1986, AS AMENDED (THE “CODE”).
EACH
HOLDER OF A CERTIFICATE OR BENEFICIAL OWNERSHIP SHALL BE DEEMED TO HAVE MADE
THE
REPRESENTATIONS SET FORTH IN SECTION 7.02(h) OF THE POOLING AND SERVICING
AGREEMENT.
[For
Class B-4] [THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER
THE
SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND
MAY
NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND
LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS THAT ARE EXEMPT FROM REGISTRATION
UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE
WITH THE PROVISIONS OF SECTION 5.02(D) OF THE AGREEMENT.]
[For
Class B-4] [NOTWITHSTANDING THE PREVIOUS PARAGRAPH, A CERTIFICATION WILL NOT
BE
REQUIRED WITH RESPECT TO THE TRANSFER OF THIS CERTIFICATE TO A DEPOSITORY,
OR
FOR ANY SUBSEQUENT TRANSFER OF THIS CERTIFICATE FOR SO LONG AS THIS CERTIFICATE
IS A BOOK-ENTRY CERTIFICATE. ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED
TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE
(OR
INTEREST HEREIN) THAT SUCH TRANSFEREE IS A “QUALIFIED INSTITUTIONAL BUYER”
WITHIN THE MEANING OF RULE 144A UNDER THE 1933 ACT.]
[For
Class B-1, Class B-2 and Class B-3] [UNLESS THIS CERTIFICATE IS PRESENTED BY
AN
AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE DEPOSITOR
OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE
ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS
REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND
ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF
FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED
OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
[For
Class B-4] [THIS CERTIFICATE MAY NOT BE ACQUIRED DIRECTLY OR INDIRECTLY BY,
OR
ON BEHALF OF, AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT WHICH
IS
SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974,
AS
AMENDED, OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED,
UNLESS THE TRANSFEREE CERTIFIES OR REPRESENTS THAT THE PROPOSED TRANSFER AND
HOLDING OF A CERTIFICATE AND THE SERVICING, MANAGEMENT AND OPERATION OF THE
TRUST AND ITS ASSETS: (I) WILL NOT RESULT IN ANY PROHIBITED TRANSACTION WHICH
IS
NOT COVERED UNDER AN INDIVIDUAL OR CLASS PROHIBITED TRANSACTION EXEMPTION,
INCLUDING, BUT NOT LIMITED TO, PROHIBITED TRANSACTION EXEMPTION (“PTE”) 84-14,
XXX 00-00, XXX 00-0, XXX 95-60 OR PTE 96-23 AND (II) WILL NOT GIVE RISE TO
ANY
DIFFERENT OR ADDITIONAL OBLIGATIONS ON THE PART OF THE DEPOSITOR, THE MASTER
SERVICER, THE SECURITIES ADMINISTRATOR OR THE TRUSTEE, WHICH WILL BE DEEMED
REPRESENTED BY AN OWNER OF A BOOK-ENTRY CERTIFICATE OR A GLOBAL CERTIFICATE
OR
UNLESS THE OPINION SPECIFIED IN SECTION 7.02 OF THE AGREEMENT IS
PROVIDED.]
|
Certificate
No. [_]
|
Adjustable
Pass-Through Rate
|
|
Class
[_]-B-[1][2][3][4] Subordinate
|
|
|
Date
of Pooling and Servicing Agreement
and
Cut-off Date:
April
1, 2006
|
Aggregate
Initial Certificate Principal
Balance
of this Certificate as of the Cut-off
Date:
$[__________]
|
|
First
Distribution Date:
May
25, 2006
|
Initial
Certificate Principal Balance of this
Certificate
as of the Cut-off Date:
$[__________]
|
|
Master
Servicer and Securities Administrator:
LaSalle
Bank National Association
|
CUSIP:
[__________]
|
|
Last
Scheduled Distribution Date:
[__________],
2036
|
|
MORTGAGE-BACKED
CERTIFICATE
SERIES
2006-5
evidencing
a Percentage Interest in the distributions allocable to the Class
[_]-B-[1][2][3][4] Certificates with respect to a Trust Fund consisting
primarily of a pool of certain fixed rate, junior lien one- to four-family
mortgage loans sold by BEAR XXXXXXX ASSET BACKED SECURITIES I LLC.
This
Certificate is payable solely from the assets of the Trust Fund, and does not
represent an obligation of or interest in Bear Xxxxxxx Asset Backed Securities
I
LLC, the Master Servicer or the Trustee referred to below or any of their
affiliates or any other person. Neither this Certificate nor the underlying
Mortgage Loans are guaranteed or insured by any governmental entity or by Bear
Xxxxxxx Asset Backed Securities I LLC, the Master Servicer or the Trustee or
any
of their affiliates or any other person. None of Bear Xxxxxxx Asset Backed
Securities I LLC, the Master Servicer or any of their affiliates will have
any
obligation with respect to any certificate or other obligation secured by or
payable from payments on the Certificates.
This
certifies that ________________ is the registered owner of the Percentage
Interest evidenced hereby in the beneficial ownership interest of Certificates
of the same Class as this Certificate in a trust (the “Trust Fund”) generally
consisting of conventional, closed-end, second lien, fixed rate mortgage loans
secured by one- to four- family residences (collectively, the “Mortgage Loans”)
sold by Bear Xxxxxxx Asset Backed Securities I LLC (“BSABS I”). The Mortgage
Loans were sold by EMC Mortgage Corporation (“EMC”) to BSABS I. LaSalle Bank
National Association will act as master servicer of the Mortgage Loans (in
that
capacity, the “Master Servicer,” which term includes any successors thereto
under the Agreement referred to below). The Trust Fund was created pursuant
to
the Pooling and Servicing Agreement, dated as of the Cut-off Date specified
above (the “Agreement”), among BSABS I, as depositor (the “Depositor”), EMC
Mortgage Corporation as sponsor and company, LaSalle Bank National Association,
as Master Servicer and securities administrator (the “Securities Administrator”)
and Citibank, N.A., as trustee (the “Trustee”), a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, capitalized terms used herein shall have the meaning ascribed to them
in
the Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of its acceptance hereof assents and by which such
Holder is bound.
[For
Class B-1, Class B-2 and Class B-3] [Interest
on this Certificate will accrue from and including the immediately preceding
Distribution Date (or with respect to the First Distribution Date, the Closing
Date) to and including the day prior to the current Distribution Date on the
Certificate Principal Balance hereof at a per annum rate equal to the
Pass-Through Rate set forth above. The Securities Administrator will distribute
on the 25th day of each month, or, if such 25th day is not a Business Day,
the
immediately following Business Day (each, a “Distribution Date”), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered at the close of business on the Business Day
immediately preceding such Distribution Date so long as such Certificate remains
in book-entry form (and otherwise, the close of business on the last Business
Day of the month immediately preceding the month of such Distribution Date),
an
amount equal to the product of the Percentage Interest evidenced by this
Certificate and the amount (of interest and principal, if any) required to
be
distributed to the Holders of Certificates of the same Class as this
Certificate. The Assumed Final Distribution Date is the Distribution Date in
the
month following the latest scheduled maturity date of any Mortgage
Loan.]
[For
Class B-4] [Interest on this Certificate will accrue from and including the
immediately preceding Distribution Date (or with respect to the First
Distribution Date, the Closing Date) to and including the day prior to the
current Distribution Date on the Certificate Principal Balance hereof at a
per
annum rate equal to the Pass-Through Rate set forth above. The Securities
Administrator will distribute on the 25th day of each month, or, if such 25th
day is not a Business Day, the immediately following Business Day (each, a
“Distribution Date”), commencing on the First Distribution Date specified above,
to the Person in whose name this Certificate is registered at the close of
business on the last Business Day of the month immediately preceding the month
of such Distribution date so long as this Certificate remains in non-book entry
form (and otherwise, the close of business on the Business Day immediately
preceding such Distribution Date) an amount equal to the product of the
Percentage Interest evidenced by this Certificate and the amount (of interest
and principal, if any) required to be distributed to the Holders of Certificates
of the same Class as this Certificate.] The Last Scheduled Distribution Date
is
the Distribution Date in the month following the latest scheduled maturity
date
of any Mortgage Loan.
Distributions
on this Certificate will be made by the Securities Administrator by check mailed
to the address of the Person entitled thereto as such name and address shall
appear on the Certificate Register or, if such Person so requests by notifying
the Securities Administrator in writing as specified in the Agreement.
Notwithstanding the above, the final distribution on this Certificate will
be
made after due notice by the Securities Administrator of the pendency of such
distribution and only upon presentation and surrender of this Certificate at
the
office or agency appointed by the Securities Administrator for that purpose
and
designated in such notice. The initial Certificate Principal Balance of this
Certificate is set forth above. The Certificate Principal Balance hereof will
be
reduced to the extent of distributions allocable to principal hereon and any
Realized Losses allocable hereto.
[For
Class B-4] [No
transfer of this Class B-4 Certificate will be made unless such transfer is
(i)
exempt from the registration requirements of the Securities Act of 1933, as
amended, and any applicable state securities laws or is made in accordance
with
said Act and laws and (ii) made in accordance with Section 7.02 of the
Agreement. Notwithstanding the foregoing, the certifications will not be
required with respect to the transfer of this Certificate to a Depository,
or
for any subsequent transfer of this Certificate for so long as this Certificate
is a Book-Entry Certificate.]
This
Certificate is one of a duly authorized issue of Certificates designated as
set
forth on the face hereof (the “Certificates”). The Certificates, in the
aggregate, evidence the entire beneficial ownership interest in the Trust Fund
formed pursuant to the Agreement.
The
Certificateholder, by its acceptance of this Certificate, agrees that it will
look solely to the Trust Fund for payment hereunder and that neither the Trustee
nor the Securities Administrator is liable to the Certificateholders for any
amount payable under this Certificate or the Agreement or, except as expressly
provided in the Agreement, subject to any liability under the
Agreement.
Each
holder of a Certificate or beneficial ownership shall be deemed to have made
the
representations set forth in Section 7.02(h) of the Agreement.
[For
Class B-4] [This Certificate may not be acquired directly or indirectly by,
or
on behalf of, an employee benefit plan or other retirement arrangement which
is
subject to Title I of the Employee Retirement Income Security Act of 1974,
as
amended, or Section 4975 of the Internal Revenue Code of 1986, as amended,
unless the transferee certifies or represents that the proposed transfer and
holding of a Certificate and the servicing, management and operation of the
trust and its assets: (i) will not result in any prohibited transaction which
is
not covered under an individual or class prohibited transaction exemption,
including, but not limited to, Prohibited Transaction Exemption (“PTE”) 84-14,
XXX 00-00, XXX 00-0, XXX 95-60 or PTE 96-23 and (ii) will not give rise to
any
additional obligations on the part of the Depositor, the Master Servicer or
the
Trustee, which will be deemed represented by an owner of a Book-Entry
Certificate or a Global Certificate or unless an opinion specified in section
7.02 of the Agreement is provided.]
This
Certificate does not purport to summarize the Agreement and reference is made
to
the Agreement for the interests, rights and limitations of rights, benefits,
obligations and duties evidenced hereby, and the rights, duties and immunities
of the Securities Administrator and the Trustee.
The
Agreement permits, with certain exceptions therein provided, the amendment
thereof and the modification of the rights and obligations of the Depositor
and
the rights of the Certificateholders under the Agreement from time to time
by
the parties thereto with the consent of the the Holders of each Class of
Certificates affected thereby evidencing over 50% of the Voting Rights of such
Class or Classes. Any such consent by the Holder of this Certificate shall
be
conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in lieu
hereof whether or not notation of such consent is made upon this Certificate.
The Agreement also permits the amendment thereof, in certain limited
circumstances, without the consent of the Holders of any of the
Certificates.
As
provided in the Agreement and subject to certain limitations therein set forth,
the transfer of this Certificate is registrable with the Securities
Administrator upon surrender of this Certificate for registration of transfer
at
the offices or agencies maintained by the Securities Adminstrator for such
purposes, duly endorsed by, or accompanied by a written instrument of transfer
in form satisfactory to the Securities Adminstrator duly executed by the Holder
hereof or such Holder’s attorney duly authorized in writing, and thereupon one
or more new Certificates in authorized denominations representing a like
aggregate Percentage Interest will be issued to the designated
transferee.
The
Certificates are issuable only as registered Certificates without coupons in
the
Classes and denominations specified in the Agreement. As provided in the
Agreement and subject to certain limitations therein set forth, this Certificate
is exchangeable for one or more new Certificates evidencing the same Class
and
in the same aggregate Percentage Interest, as requested by the Holder
surrendering the same.
No
service charge will be made to the Certificateholders for any such registration
of transfer, but the Securities Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith. The Depositor, the Master Servicer, the Securities Administrator,
the
Trustee and any agent of any of them may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of
the
Depositor, the Master Servicer, the Securities Administrator, the Trustee or
any
such agent shall be affected by notice to the contrary.
The
obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to
the
termination of the Agreement) shall terminate upon the earlier of (i) the later
of (A) the maturity or other liquidation (or Advance with respect thereto)
of
the last Mortgage Loan remaining in the Trust Fund and disposition of all
property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (B) the remittance of all funds due under the Agreement,
or
(ii) the optional repurchase by the party named in the Agreement of all the
Mortgage Loans and other assets of the Trust Fund in accordance with the terms
of the Agreement. Such optional repurchase may be made only on or after the
first Distribution Date on which the aggregate Stated Principal Balance of
the
Mortgage Loans is less than or equal to a certain percentage of the aggregate
Stated Principal Balance of the Mortgage Loans as of the Cut-off Date as set
forth in the Agreement. The exercise of such right will effect the early
retirement of the Certificates. In no event, however, will the Trust Fund
created by the Agreement continue beyond the earlier of (i) the expiration
of 21
years after the death of certain persons identified in the Agreement and (ii)
the Latest Possible Maturity Date (as defined in the Agreement).
Unless
this Certificate has been countersigned by an authorized signatory of the
Securities Administrator by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement, or be valid for any
purpose.
IN
WITNESS WHEREOF, the Securities Administrator has caused this Certificate to
be
duly executed.
|
Dated:
____________, 2006
|
LASALLE
BANK NATIONAL
ASSOCIATION,
not in its individual capacity
but
solely as Securities Administrator
|
||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
CERTIFICATE
OF AUTHENTICATION
This
is
one of the Class [_]-B-[1][2][3][4] Certificates referred to in the
within-mentioned Agreement.
|
LASALLE
BANK NATIONAL
ASSOCIATION,
Authorized signatory of
LaSalle
Bank National Association , not in its
individual
capacity but solely as Securities
Administrator
|
|||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
ASSIGNMENT
FOR
VALUE
RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto
__________________________________ (Please print or typewrite name and address
including postal zip code of assignee) a Percentage Interest evidenced by the
within Asset-Backed Certificate and hereby authorizes the transfer of
registration of such interest to assignee on the Certificate Register of the
Trust Fund.
I
(We)
further direct the Certificate Registrar to issue a new Certificate of a like
denomination and Class, to the above named assignee and deliver such Certificate
to the following address:
|
Dated:
|
|
|
Signature
by or on behalf of assignor
|
|
|
Signature
Guaranteed
|
DISTRIBUTION
INSTRUCTIONS
|
The
assignee should include the following for purposes of
distribution:
|
|||||||
|
Distributions
shall be made, by wire transfer or otherwise, in immediately available
|
|||||||
|
funds
to
|
|||||||
|
for
the account of
|
|||||||
|
account
number
|
or,
if mailed by check, to
|
||||||
|
Applicable
statements should be mailed to
|
|||||||
|
This
information is provided by
|
|||||||
|
assignee
named above, or
|
|||||||
|
its
agent.
|
|||||||
EXHIBIT
A-4
FORM
OF CLASS [_]-C CERTIFICATES
THIS
CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP [_] SENIOR
CERTIFICATES, THE CLASS [_]-M CERTIFICATES AND THE CLASS [_]-B CERTIFICATES
AS
DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW).
SOLELY
FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE REPRESENTS A “REGULAR
INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE
OF
1986 (THE “CODE”).
THIS
CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT
OF
1933, AS AMENDED (THE “SECURITIES ACT”), OR UNDER ANY STATE SECURITIES LAWS. THE
HOLDER HEREOF, BY PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE
MAY
BE REOFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED ONLY IN COMPLIANCE WITH
THE SECURITIES ACT AND OTHER APPLICABLE LAWS AND ONLY (1) PURSUANT TO RULE
144A
UNDER THE SECURITIES ACT (“RULE 144A”) TO A PERSON THAT THE HOLDER REASONABLY
BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A
(A
“QIB”), PURCHASING FOR ITS OWN ACCOUNT OR A QIB PURCHASING FOR THE ACCOUNT OF A
QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE REOFFER, RESALE,
PLEDGE OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, (2) PURSUANT
TO
AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT
(IF
AVAILABLE) OR (3) IN CERTIFICATED FORM TO AN “INSTITUTIONAL ACCREDITED INVESTOR”
WITHIN THE MEANING THEREOF IN RULE 501(a)(1), (2), (3) or (7) OF REGULATION
D
UNDER THE ACT OR ANY ENTITY IN WHICH ALL OF THE EQUITY OWNERS COME WITHIN SUCH
PARAGRAPHS PURCHASING NOT FOR DISTRIBUTION IN VIOLATION OF THE SECURITIES ACT,
SUBJECT TO (A) THE RECEIPT BY THE SECURITIES ADMINISTRATOR OF A LETTER
SUBSTANTIALLY IN THE FORM PROVIDED IN THE AGREEMENT AND (B) THE RECEIPT BY
THE
SECURITIES ADMINISTRATOR OF SUCH OTHER EVIDENCE ACCEPTABLE TO THE SECURITIES
ADMINISTRATOR THAT SUCH REOFFER, RESALE, PLEDGE OR TRANSFER IS IN COMPLIANCE
WITH THE SECURITIES ACT AND OTHER APPLICABLE LAWS OR IN EACH CASE IN ACCORDANCE
WITH ALL APPLICABLE SECURITIES LAWS OF THE UNITED STATES AND ANY OTHER
APPLICABLE JURISDICTION.
NO
TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 7.02(h) OF THE AGREEMENT
OR
AN OPINION OF COUNSEL SATISFACTORY TO THE SECURITIES ADMINISTRATOR THAT THE
PURCHASE AND HOLDING OF THIS CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW,
WILL NOT CONSTITUTE OR RESULT IN ANY NON-EXEMPT PROHIBITED TRANSACTIONS UNDER
SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED
(“ERISA”) OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE TRUSTEE, THE
SECURITIES ADMINISTRATOR, THE MASTER SERVICER OR THE DEPOSITOR TO ANY OBLIGATION
OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE
AGREEMENT.
|
Certificate
No.1
|
Percentage
Interest: 100%
|
|
Class
[_]-C
|
Adjustable
Pass-Through Rate
|
|
Date
of Pooling and Servicing Agreement
and
Cut-off Date:
April
1, 2006
|
Initial
Certificate Notional Amount of this
Certificate
as of the Cut-off Date:
$[__________]
|
|
First
Distribution Date:
May
25, 2006
|
Aggregate
Certificate Notional Amount of this
Certificate
as of the Cut-off Date:
$[__________]
|
|
Master
Servicer and Securities Administrator:
LaSalle
Bank National Association
|
CUSIP:
[__________]
|
|
Last
Scheduled Distribution Date:
[__________],
2036
|
|
MORTGAGE-BACKED
CERTIFICATE
SERIES
2006-5
evidencing
a Percentage Interest in the distributions allocable to the Class [_]-C
Certificates with respect to a Trust Fund consisting primarily of a pool of
certain fixed rate, junior lien one- to four-family mortgage loans sold by
BEAR
XXXXXXX ASSET BACKED SECURITIES I LLC.
This
Certificate is payable solely from the assets of the Trust Fund, and does not
represent an obligation of or interest in Bear Xxxxxxx Asset Backed Securities
I
LLC, the Master Servicer, the Securities Administrator or the Trustee referred
to below or any of their affiliates or any other person. Neither this
Certificate nor the underlying Mortgage Loans are guaranteed or insured by
any
governmental entity or by Bear Xxxxxxx Asset Backed Securities I LLC, the Master
Servicer, the Securities Administrator or the Trustee or any of their affiliates
or any other person. None of Bear Xxxxxxx Asset Backed Securities I LLC, the
Master Servicer or any of their affiliates will have any obligation with respect
to any certificate or other obligation secured by or payable from payments
on
the Certificates.
This
certifies that ______________ is the registered owner of the Percentage Interest
evidenced hereby in the beneficial ownership interest of Certificates of the
same Class as this Certificate in a trust (the “Trust Fund”) generally
consisting of conventional, closed-end, second lien, fixed rate mortgage loans
secured by one- to four- family residences (collectively, the “Mortgage Loans”)
sold by Bear Xxxxxxx Asset Backed Securities I LLC (“BSABS I”). The Mortgage
Loans were sold by EMC Mortgage Corporation (“EMC”) to BSABS I. LaSalle Bank
National Association will act as master servicer of the Mortgage Loans (in
that
capacity, the “Master Servicer,” which term includes any successors thereto
under the Agreement referred to below). The Trust Fund was created pursuant
to
the Pooling and Servicing Agreement, dated as of the Cut-off Date specified
above (the “Agreement”), among BSABS I, as depositor (the “Depositor”), EMC
Mortgage Corporation as sponsor and company, LaSalle Bank National Association,
as Master Servicer and securities administrator (the “Securities Administrator”)
and Citibank, N.A., as trustee (the “Trustee”), a summary of certain of the
pertinent provisions of which is set forth hereafter. To the extent not defined
herein, capitalized terms used herein shall have the meaning ascribed to them
in
the Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of
this Certificate by virtue of its acceptance hereof assents and by which such
Holder is bound.
The
Securities Administrator will distribute on the 25th day of each month, or,
if
such 25th day is not a Business Day, the immediately following Business Day
(each, a “Distribution Date”), commencing on the First Distribution Date
specified above, to the Person in whose name this Certificate is registered
at
the close of business on the last day (or if such last day is not a Business
Day, the Business Day immediately preceding such last day) of the calendar
month
immediately preceding the month in which the Distribution Date occurs, an amount
equal to the product of the Percentage Interest evidenced by this Certificate
and the amounts required to be distributed to the Holders of Certificates of
the
same Class as this Certificate.
Distributions
on this Certificate will be made by the Securities Administrator by check mailed
to the address of the Person entitled thereto as such name and address shall
appear on the Certificate Register or, if such Person so requests by notifying
the Securities Administrator in writing as specified in the Agreement.
Notwithstanding the above, the final distribution on this Certificate will
be
made after due notice by the Securities Administrator of the pendency of such
distribution and only upon presentation and surrender of this Certificate at
the
office or agency appointed by the Securities Administrator for that purpose
and
designated in such notice.
No
transfer of this Certificate shall be made unless the transfer is made pursuant
to an effective registration statement under the Securities Act of 1933, as
amended (the “1933 Act”), and an effective registration or qualification under
applicable state securities laws, or is made in a transaction that does not
require such registration or qualification. In the event that such a transfer
of
this Certificate is to be made without registration or qualification, the
Securities Administrator shall require receipt of (i) if such transfer is
purportedly being made in reliance upon Rule 144A under the 1933 Act, written
certifications from the Holder of the Certificate desiring to effect the
transfer, and from such Holder’s prospective transferee, substantially in the
forms attached to the Agreement as Exhibit D and either Exhibit E or Exhibit
F,
as applicable, and (ii) in all other cases, an Opinion of Counsel satisfactory
to it that such transfer may be made without such registration or qualification
(which Opinion of Counsel shall not be an expense of the Trust Fund or of the
Depositor, the Securities Administrator, the Trustee, or the Master Servicer
in
their respective capacities as such), together with copies of the written
certification(s) of the Holder of the Certificate desiring to effect the
transfer and/or such Holder’s prospective transferee upon which such Opinion of
Counsel is based. Neither the Depositor, the Trustee nor the Securities
Administrator is obligated to register or qualify the Class of Certificates
specified on the face hereof under the 1933 Act or any other securities law
or
to take any action not otherwise required under the Agreement to permit the
transfer of such Certificates without registration or qualification. Any Holder
desiring to effect a transfer of this Certificate shall be required to indemnify
the Trustee, the Securities Administrator, the Depositor, the Sellers and the
Master Servicer against any liability that may result if the transfer is not
so
exempt or is not made in accordance with such federal and state
laws.
No
transfer of this Class [_]-C Certificate will be made unless the Securities
Administrator shall have received either (i) the opinion of counsel set forth
in
Section 7.02(h) of the Agreement or (ii) a representation letter under Section
7.02 of the Agreement, in the form as described by the Agreement, stating that
the transferee is not an employee benefit or other plan subject to the
prohibited transaction provisions of ERISA or Section 4975 of the Code (a
“Plan”), or any other person acting, directly or indirectly, on behalf of or
purchasing any Certificate with “plan assets” of any Plan.
This
Certificate is one of a duly authorized issue of Certificates designated as
set
forth on the face hereof (the “Certificates”). The Certificates, in the
aggregate, evidence the entire beneficial ownership interest in the Trust Fund
formed pursuant to the Agreement.
The
Certificateholder, by its acceptance of this Certificate, agrees that it will
look solely to the Trust Fund for payment hereunder and that neither the Trustee
nor the Securities Administrator is liable to the Certificateholders for any
amount payable under this Certificate or the Agreement or, except as expressly
provided in the Agreement, subject to any liability under the
Agreement.
This
Certificate does not purport to summarize the Agreement and reference is made
to
the Agreement for the interests, rights and limitations of rights, benefits,
obligations and duties evidenced hereby, and the rights, duties and immunities
of the Trustee and Securities Administrator.
The
Agreement permits, with certain exceptions therein provided, the amendment
thereof and the modification of the rights and obligations of the Depositor
and
the rights of the Certificateholders under the Agreement from time to time
by
the parties thereto with the consent of the Holders of each Class of
Certificates affected thereby evidencing over 50% of the Voting Rights of such
Class or Classes. Any such consent by the Holder of this Certificate shall
be
conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in lieu
hereof whether or not notation of such consent is made upon this Certificate.
The Agreement also permits the amendment thereof, in certain limited
circumstances, without the consent of the Holders of any of the
Certificates.
As
provided in the Agreement and subject to certain limitations therein set forth,
the transfer of this Certificate is registrable with the Securities
Administrator upon surrender of this Certificate for registration of transfer
at
the offices or agencies maintained by the Securities Administrator for such
purposes, duly endorsed by, or accompanied by a written instrument of transfer
in form satisfactory to the Securities Administrator duly executed by the Holder
hereof or such Holder’s attorney duly authorized in writing, and thereupon one
or more new Certificates in authorized denominations representing a like
aggregate Percentage Interest will be issued to the designated
transferee.
The
Certificates are issuable only as registered Certificates without coupons in
the
Classes and denominations specified in the Agreement. As provided in the
Agreement and subject to certain limitations therein set forth, this Certificate
is exchangeable for one or more new Certificates evidencing the same Class
and
in the same aggregate Percentage Interest, as requested by the Holder
surrendering the same.
No
service charge will be made to the Certificateholders for any such registration
of transfer, but the Securities Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith. The Depositor, the Master Servicer, the Securities Administrator,
the
Trustee and any agent of any of them may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of
the
Depositor, the Master Servicer, the Securities Administrator, the Trustee or
any
such agent shall be affected by notice to the contrary.
The
obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to
the
termination of the Agreement) shall terminate upon the earlier of (i) the later
of (A) the maturity or other liquidation (or Advance with respect thereto)
of
the last Mortgage Loan remaining in the Trust Fund and disposition of all
property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (B) the remittance of all funds due under the Agreement,
or
(ii) the optional repurchase by the party named in the Agreement of all the
Mortgage Loans and other assets of the Trust Fund in accordance with the terms
of the Agreement. Such optional repurchase may be made only on or after the
first Distribution Date on which the aggregate Stated Principal Balance of
the
Mortgage Loans is less than or equal to a certain percentage of the aggregate
Stated Principal Balance of the Mortgage Loans as of the Cut-off Date as set
forth in the Agreement. The exercise of such right will effect the early
retirement of the Certificates. In no event, however, will the Trust Fund
created by the Agreement continue beyond the earlier of (i) the expiration
of 21
years after the death of certain persons identified in the Agreement and (ii)
the Latest Possible Maturity Date (as defined in the Agreement).
Unless
this Certificate has been countersigned by an authorized signatory of the
Securities Administrator by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement, or be valid for any
purpose.
IN
WITNESS WHEREOF, the Securities Administrator has caused this Certificate to
be
duly executed.
|
Dated:
____________, 2006
|
LASALLE
BANK NATIONAL
ASSOCIATION,
not in its individual capacity
but
solely as Securities Administrator
|
||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
CERTIFICATE
OF AUTHENTICATION
This
is
one of the Class [_]-C Certificates referred to in the within-mentioned
Agreement.
|
LASALLE
BANK NATIONAL
ASSOCIATION,
Authorized signatory of
LaSalle
Bank National Association , not in its
individual
capacity but solely as Securities
Administrator
|
|||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
ASSIGNMENT
FOR
VALUE
RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto
__________________________________ (Please print or typewrite name and address
including postal zip code of assignee) a Percentage Interest evidenced by the
within Asset-Backed Certificate and hereby authorizes the transfer of
registration of such interest to assignee on the Certificate Register of the
Trust Fund.
I
(We)
further direct the Certificate Registrar to issue a new Certificate of a like
denomination and Class, to the above named assignee and deliver such Certificate
to the following address:
|
Dated:
|
|
|
Signature
by or on behalf of assignor
|
|
|
Signature
Guaranteed
|
DISTRIBUTION
INSTRUCTIONS
|
The
assignee should include the following for purposes of
distribution:
|
|||||||
|
Distributions
shall be made, by wire transfer or otherwise, in immediately available
|
|||||||
|
funds
to
|
|||||||
|
for
the account of
|
|||||||
|
account
number
|
or,
if mailed by check, to
|
||||||
|
Applicable
statements should be mailed to
|
|||||||
|
This
information is provided by
|
|||||||
|
assignee
named above, or
|
|||||||
|
its
agent.
|
|||||||
EXHIBIT
A-5
Form
of Class [_]-R[-1][-2][-3][-X] Certificates
THIS
CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON
OR A
DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).
SOLELY
FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “RESIDUAL INTEREST”
IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT” AS THOSE TERMS ARE DEFINED,
RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986
(THE “CODE”).
NO
TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 7.02(h) OF THE AGREEMENT
OR
AN OPINION OF COUNSEL SATISFACTORY TO THE TRUSTEE THAT THE PURCHASE AND HOLDING
OF THIS CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE
OR
RESULT IN ANY NON EXEMPT PROHIBITED TRANSACTIONS UNDER SECTION 406 OF THE
EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”) OR SECTION
4975 OF THE CODE AND WILL NOT SUBJECT THE TRUSTEE, MASTER SERVICER OR THE
DEPOSITOR TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN
THE
AGREEMENT.
ANY
RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY
IF
THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE SECURITIES
ADMINISTRATOR THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE
OR POLITICAL SUBDIVISION THEREOF, ANY POSSESSION OF THE UNITED STATES, OR ANY
AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY
WHICH IS A CORPORATION IF ALL OF ITS ACTIVITIES ARE SUBJECT TO TAX AND EXCEPT
FOR XXXXXXX MAC, A MAJORITY OF ITS BOARD OF DIRECTORS IS NOT SELECTED BY SUCH
GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION,
OR
ANY AGENCY OR INSTRUMENTALITY OF EITHER OF THE FOREGOING, (C) ANY ORGANIZATION
(OTHER THAN CERTAIN FARMERS’ COOPERATIVES DESCRIBED IN SECTION 521 OF THE CODE)
WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH
ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING
THE TAX IMPOSED BY SECTION 511 OF THE CODE ON UNRELATED BUSINESS TAXABLE
INCOME), (D) RURAL ELECTRIC AND TELEPHONE COOPERATIVES DESCRIBED IN SECTION
1381(a)(2)(C) OF THE CODE, (E) AN ELECTING LARGE PARTNERSHIP UNDER SECTION
775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A),
(B),
(C), (D) OR (E) BEING HEREIN REFERRED TO AS A “DISQUALIFIED ORGANIZATION”), OR
(F) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) SUCH TRANSFEREE IS A UNITED
STATES PERSON UNDER SECTION 7701 OF THE CODE, (3) NO PURPOSE OF SUCH TRANSFER
IS
TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (4) SUCH TRANSFEREE SATISFIES
CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE
PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE
REGISTER OR ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO
A
DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION OR A
NON-UNITED STATES PERSON, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL
FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A
CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO,
THE
RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE
BY
ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE
PROVISIONS OF THIS PARAGRAPH.
|
Certificate
No.1
|
|
|
Class
[_]-R[-1][-2][-3][-X]
|
Percentage
Interest: 100%
|
|
Date
of Pooling and Servicing Agreement
and
Cut-off Date:
April
1, 2006
|
|
|
First
Distribution Date:
May
25, 2006
|
|
|
Master
Servicer and Securities Administrator:
LaSalle
Bank National Association
|
CUSIP:
[__________]
|
|
Last
Scheduled Distribution Date:
[__________],
2036
|
|
SACO
I
TRUST 2006-5
MORTGAGE-BACKED
CERTIFICATE
SERIES
2006-5
evidencing
a fractional undivided interest in the distributions allocable to the Class
[_]-R[-1][-2][-3][-X] Certificates with respect to a Trust Fund consisting
primarily of a pool of certain fixed rate, junior lien one- to four-family
mortgage loans sold by BEAR XXXXXXX ASSET BACKED SECURITIES I LLC.
This
Certificate is payable solely from the assets of the Trust Fund, and does not
represent an obligation of or interest in Bear Xxxxxxx Asset Backed Securities
I
LLC, the Master Servicer, the Securities Administrator or the Trustee referred
to below or any of their affiliates or any other person. Neither this
Certificate nor the underlying Mortgage Loans are guaranteed or insured by
any
governmental entity or by Bear Xxxxxxx Asset Backed Securities I LLC, the Master
Servicer, the Securities Administrator or the Trustee or any of their affiliates
or any other person. None of Bear Xxxxxxx Asset Backed Securities I LLC, the
Master Servicer or any of their affiliates will have any obligation with respect
to any certificate or other obligation secured by or payable from payments
on
the Certificates.
This
certifies that Bear, Xxxxxxx Securities Corp is the registered owner of the
Percentage Interest evidenced hereby in the beneficial ownership interest of
Certificates of the same Class as this Certificate in a trust (the “Trust Fund”)
generally consisting of conventional, closed-end, second lien, fixed rate
mortgage loans secured by one- to four- family residences (collectively, the
“Mortgage Loans”) sold by Bear Xxxxxxx Asset Backed Securities I LLC (“BSABS
I”). The Mortgage Loans were sold by EMC Mortgage Corporation (“EMC”) to BSABS
I. LaSalle Bank National Association will act as master servicer of the Mortgage
Loans (in that capacity, the “Master Servicer,” which term includes any
successors thereto under the Agreement referred to below). The Trust Fund was
created pursuant to the Pooling and Servicing Agreement, dated as of the Cut-off
Date specified above (the “Agreement”), among BSABS I, as depositor (the
“Depositor”), EMC Mortgage Corporation as sponsor and company, LaSalle Bank
National Association, as Master Servicer and securities administrator (the
“Securities Administrator”) and Citibank, N.A., as trustee (the “Trustee”), a
summary of certain of the pertinent provisions of which is set forth hereafter.
To the extent not defined herein, capitalized terms used herein shall have
the
meaning ascribed to them in the Agreement. This Certificate is issued under
and
is subject to the terms, provisions and conditions of the Agreement, to which
Agreement the Holder of this Certificate by virtue of its acceptance hereof
assents and by which such Holder is bound.
Each
Holder of this Certificate will be deemed to have agreed to be bound by the
restrictions set forth in the Agreement to the effect that (i) each person
holding or acquiring any Ownership Interest in this Certificate must be a
Permitted Transferee, (ii) the transfer of any Ownership Interest in this
Certificate will be conditioned upon the delivery to the Trustee of, among
other
things, an affidavit to the effect that it is a Permitted Transferee, (iii)
any
attempted or purported transfer of any Ownership Interest in this Certificate
in
violation of such restrictions will be absolutely null and void and will vest
no
rights in the purported transferee, and (iv) if any person other than a
Permitted Transferee acquires any Ownership Interest in this Certificate in
violation of such restrictions, then the Depositor will have the right, in
its
sole discretion and without notice to the Holder of this Certificate, to sell
this Certificate to a purchaser selected by the Depositor, which purchaser
may
be the Depositor, or any affiliate of the Depositor, on such terms and
conditions as the Depositor may choose.
The
Securities Administrator will distribute on the 25th day of each month, or,
if
such 25th day is not a Business Day, the immediately following Business Day
(each, a “Distribution Date”), commencing on the First Distribution Date
specified above, to the Person in whose name this Certificate is registered
at
the close of business on the last day (or if such last day is not a Business
Day, the Business Day immediately preceding such last day) of the calendar
month
immediately preceding the month in which the Distribution Date occurs, an amount
equal to the product of the Percentage Interest evidenced by this Certificate
and the amounts required to be distributed to the Holders of Certificates of
the
same Class as this Certificate.
Distributions
on this Certificate will be made by the Securities Administrator by check mailed
to the address of the Person entitled thereto as such name and address shall
appear on the Certificate Register or, if such Person so requests by notifying
the Securities Administrator in writing as specified in the Agreement.
Notwithstanding the above, the final distribution on this Certificate will
be
made after due notice by the Securities Administrator of the pendency of such
distribution and only upon presentation and surrender of this Certificate at
the
office or agency appointed by the Securities Administrator for that purpose
and
designated in such notice.
No
transfer of this Class [_]-R[-1][-2][-3][-X] Certificate will be made unless
the
Trustee and Securities Administrator shall have received either (i) the opinion
of counsel set forth in Section 7.02(h) of the Agreement or (ii) a
representation letter under Section 7.02 of the Agreement, in the form as
described by the Agreement, stating that the transferee is not an employee
benefit or other plan subject to the prohibited transaction provisions of ERISA
or Section 4975 of the Code (a “Plan”), or any other person acting, directly or
indirectly, on behalf of or purchasing any Certificate with “plan assets” of any
Plan.
This
Certificate is one of a duly authorized issue of Certificates designated as
set
forth on the face hereof (the “Certificates”). The Certificates, in the
aggregate, evidence the entire beneficial ownership interest in the Trust Fund
formed pursuant to the Agreement.
The
Certificateholder, by its acceptance of this Certificate, agrees that it will
look solely to the Trust Fund for payment hereunder and that the Trustee and
the
Securities Administrator are not liable to the Certificateholders for any amount
payable under this Certificate or the Agreement or, except as expressly provided
in the Agreement, subject to any liability under the Agreement.
This
Certificate does not purport to summarize the Agreement and reference is made
to
the Agreement for the interests, rights and limitations of rights, benefits,
obligations and duties evidenced hereby, and the rights, duties and immunities
of the Securities Administrator and the Trustee.
The
Agreement permits, with certain exceptions therein provided, the amendment
thereof and the modification of the rights and obligations of the Depositor
and
the rights of the Certificateholders under the Agreement from time to time
by
the parties thereto with the consent of the Holders of each Class of
Certificates affected thereby evidencing over 50% of the Voting Rights of such
Class or Classes. Any such consent by the Holder of this Certificate shall
be
conclusive and binding on such Holder and upon all future Holders of this
Certificate and of any Certificate issued upon the transfer hereof or in lieu
hereof whether or not notation of such consent is made upon this Certificate.
The Agreement also permits the amendment thereof, in certain limited
circumstances, without the consent of the Holders of any of the
Certificates.
As
provided in the Agreement and subject to certain limitations therein set forth,
the transfer of this Certificate is registrable with the Securities
Administrator upon surrender of this Certificate for registration of transfer
at
the offices or agencies maintained by the Securities Administrator for such
purposes, duly endorsed by, or accompanied by a written instrument of transfer
in form satisfactory to the Securities Administrator duly executed by the Holder
hereof or such Holder’s attorney duly authorized in writing, and thereupon one
or more new Certificates in authorized denominations representing a like
aggregate Percentage Interest will be issued to the designated
transferee.
The
Certificates are issuable only as registered Certificates without coupons in
the
Classes and denominations specified in the Agreement. As provided in the
Agreement and subject to certain limitations therein set forth, this Certificate
is exchangeable for one or more new Certificates evidencing the same Class
and
in the same aggregate Percentage Interest, as requested by the Holder
surrendering the same.
No
service charge will be made to the Certificateholders for any such registration
of transfer, but the Securities Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith. The Depositor, the Master Servicer, the Securities Administrator,
the
Trustee and any agent of any of them may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of
the
Depositor, the Master Servicer, the Securities Administrator, the Trustee or
any
such agent shall be affected by notice to the contrary.
The
obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to
the
termination of the Agreement) shall terminate upon the earlier of (i) the later
of (A) the maturity or other liquidation (or Advance with respect thereto)
of
the last Mortgage Loan remaining in the Trust Fund and disposition of all
property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and (B) the remittance of all funds due under the Agreement,
or
(ii) the optional repurchase by the party named in the Agreement of all the
Mortgage Loans and other assets of the Trust Fund in accordance with the terms
of the Agreement. Such optional repurchase may be made only on or after the
first Distribution Date on which the aggregate Stated Principal Balance of
the
Mortgage Loans is less than or equal to a certain percentage of the aggregate
Stated Principal Balance of the Mortgage Loans as of the Cut-off Date as set
forth in the Agreement. The exercise of such right will effect the early
retirement of the Certificates. In no event, however, will the Trust Fund
created by the Agreement continue beyond the earlier of (i) the expiration
of 21
years after the death of certain persons identified in the Agreement and (ii)
the Latest Possible Maturity Date (as defined in the Agreement).
Unless
this Certificate has been countersigned by an authorized signatory of the
Securities Administrator by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement, or be valid for any
purpose.
IN
WITNESS WHEREOF, the Securities Administrator has caused this Certificate to
be
duly executed.
|
Dated:
____________, 2006
|
LASALLE
BANK NATIONAL
ASSOCIATION,
not in its individual capacity
but
solely as Securities Administrator
|
||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
CERTIFICATE
OF AUTHENTICATION
This
is
one of the Class [_]-R[-1][-2][-3][-X] Certificates referred to in the
within-mentioned Agreement.
|
LASALLE
BANK NATIONAL
ASSOCIATION,
Authorized signatory of
LaSalle
Bank National Association , not in its
individual
capacity but solely as Securities
Administrator
|
|||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
ASSIGNMENT
FOR
VALUE
RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto
__________________________________ (Please print or typewrite name and address
including postal zip code of assignee) a Percentage Interest evidenced by the
within Asset-Backed Certificate and hereby authorizes the transfer of
registration of such interest to assignee on the Certificate Register of the
Trust Fund.
I
(We)
further direct the Certificate Registrar to issue a new Certificate of a like
denomination and Class, to the above named assignee and deliver such Certificate
to the following address:
|
Dated:
|
|
|
Signature
by or on behalf of assignor
|
|
|
Signature
Guaranteed
|
DISTRIBUTION
INSTRUCTIONS
|
The
assignee should include the following for purposes of
distribution:
|
|||||||
|
Distributions
shall be made, by wire transfer or otherwise, in immediately available
|
|||||||
|
funds
to
|
|||||||
|
for
the account of
|
|||||||
|
account
number
|
or,
if mailed by check, to
|
||||||
|
Applicable
statements should be mailed to
|
|||||||
|
This
information is provided by
|
|||||||
|
assignee
named above, or
|
|||||||
|
its
agent.
|
|||||||
EXHIBIT
B
MORTGAGE
LOAN SCHEDULE
ZIP_CODE STATE CITY1 PROPTYPE CURRENT_GROSS_COUPON SERV_FEE LPMI TRUSTFEE
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
75402 TX GREENVILLE Single Family 11.925 0.5 0 0.0125
28602 NC HICKORY Single Family 12.3 0.5 0 0.0125
78254 TX SAN ANTONIO PUD 9.875 0.5 0 0.0125
78245 TX SAN ANTONIO Single Family 9.875 0.5 0 0.0125
29048 SC EUTAWVILLE Single Family 10.5 0.5 0 0.0125
27540 NC XXXXX SPRINGS PUD 12.875 0.5 0 0.0125
30252 GA MCDONOUGH PUD 12 0.5 0 0.0125
21043 MD ELLICOTT CITY PUD 12.75 0.5 0 0.0125
91030 CA SOUTH PASADENA Single Family 11.875 0.5 0 0.0125
93702 CA FRESNO Single Family 11.375 0.5 0 0.0125
92345 CA HESPERIA Single Family 10.875 0.5 0 0.0125
95437 CA FORT XXXXX Single Family 11.375 0.5 0 0.0125
92123 CA SAN DIEGO Single Family 11.875 0.5 0 0.0125
93534 CA LANCASTER Single Family 10.375 0.5 0 0.0125
93308 CA BAKERSFIELD Single Family 10.125 0.5 0 0.0125
77053 TX HOUSTON PUD 12.05 0.5 0 0.0125
37218 TN NASHVILLE Single Family 8.625 0.5 0 0.0125
70663 LA SULPHUR Single Family 12.5 0.5 0 0.0125
78054 TX LAREDO PUD 9.875 0.5 0 0.0125
27610 NC RALEIGH PUD 12.175 0.5 0 0.0125
47150 IN NEW ALBANY Single Family 13.625 0.5 0 0.0125
20769 MD XXXXX XXXX PUD 11.55 0.5 0 0.0125
3851 NH XXXXXX Single Family 12 0.5 0 0.0125
33029 FL MIRAMAR PUD 12.3 0.5 0 0.0125
1118 MA SPRINGFIELD Single Family 12.125 0.5 0 0.0125
93618 CA DINUBA Single Family 11.25 0.5 0 0.0125
89084 NV NORTH LAS VEGAS PUD 13.5 0.5 0 0.0125
89012 NV XXXXXXXXX PUD 8.5 0.5 0 0.0125
89052 NV XXXXXXXXX PUD 9.5 0.5 0 0.0125
30157 GA DALLAS Single Family 11.125 0.5 0 0.0125
31548 GA KINGSLAND Single Family 13.55 0.5 0 0.0125
29485 SC SUMMERVILLE PUD 14.05 0.5 0 0.0125
29576 SC MURRELLS INLET Condominium 10.5 0.5 0 0.0125
23462 VA VIRGINIA BEACH Single Family 14.3 0.5 0 0.0125
30097 GA DULUTH PUD 10.05 0.5 0 0.0125
21713 MD BOONSBORO Single Family 12.675 0.5 0 0.0125
28560 NC NEW BERN Single Family 11.8 0.5 0 0.0125
44512 OH YOUNGSTOWN Single Family 14.05 0.5 0 0.0125
46239 IN INDIANAPOLIS PUD 12.8 0.5 0 0.0125
63090 MO WASHINGTON Single Family 13.675 0.5 0 0.0125
77469 TX RICHMOND Single Family 9.875 0.5 0 0.0125
79932 TX EL PASO Single Family 11.675 0.5 0 0.0125
62839 IL FLORA Single Family 14.3 0.5 0 0.0125
75097 TX WESTON Single Family 10.925 0.5 0 0.0125
94547 CA HERCULES PUD 10.375 0.5 0 0.0125
89128 NV LAS VEGAS Single Family 11.75 0.5 0 0.0125
92345 CA HESPERIA Single Family 10.8 0.5 0 0.0125
93230 CA HANFORD Single Family 10.925 0.5 0 0.0125
98312 WA BREMERTON Single Family 10.55 0.5 0 0.0125
21783 MD SMITHSBURG Single Family 9.675 0.5 0 0.0125
96002 CA REDDING Single Family 12.75 0.5 0 0.0125
20735 MD CLINTON Single Family 12.05 0.5 0 0.0125
60502 IL AURORA Single Family 10.425 0.5 0 0.0125
48126 MI DEARBORN Single Family 13.675 0.5 0 0.0125
48331 MI FARMINGTON HILLS Condominium 14.175 0.5 0 0.0125
45242 OH CINCINNATI Single Family 9.55 0.5 0 0.0125
17201 PA CHAMBERSBURG Single Family 11.675 0.5 0 0.0125
61008 IL BELVIDERE Single Family 12.75 0.5 0 0.0125
43110 OH CANAL WINCHESTER Single Family 10.05 0.5 0 0.0125
55044 MN LAKEVILLE Single Family 10.125 0.5 0 0.0125
44236 OH XXXXXX Single Family 12.175 0.5 0 0.0125
62286 IL SPARTA Single Family 13.05 0.5 0 0.0125
55408 MN MINNEAPOLIS Single Family 10.125 0.5 0 0.0125
46236 IN INDIANAPOLIS Single Family 11.05 0.5 0 0.0125
55445 MN BROOKLYN PARK Condominium 10.125 0.5 0 0.0125
48126 MI DEARBORN Single Family 10.925 0.5 0 0.0125
20018 DC WASHINGTON Single Family 14.05 0.5 0 0.0125
20706 MD LANHAM Single Family 10.8 0.5 0 0.0125
6516 CT WEST HAVEN Single Family 13.425 0.5 0 0.0125
19904 DE DOVER Single Family 11.925 0.5 0 0.0125
29365 SC XXXXX PUD 9.875 0.5 0 0.0125
28227 NC CHARLOTTE PUD 12.55 0.5 0 0.0125
28086 NC KINGS MTN Single Family 11.925 0.5 0 0.0125
27360 NC THOMASVILLE Single Family 11.175 0.5 0 0.0125
38141 TN MEMPHIS Single Family 8.875 0.5 0 0.0125
38118 TN MEMPHIS Single Family 8.875 0.5 0 0.0125
38654 XX XXXXX XXXXXX PUD 12.55 0.5 0 0.0125
38053 TN MILLINGTON Single Family 8.875 0.5 0 0.0125
15239 PA PITTSBURGH Single Family 10.55 0.5 0 0.0125
34997 FL STUART PUD 12.175 0.5 0 0.0125
34113 FL NAPLES Condominium 11.8 0.5 0 0.0125
7011 NJ CLIFTON Single Family 12.3 0.5 0 0.0125
3842 NH HAMPTON Single Family 13.675 0.5 0 0.0125
11422 NY ROSEDALE Single Family 11.8 0.5 0 0.0125
1104 MA SPRINGFIELD Single Family 12.55 0.5 0 0.0125
1851 MA LOWELL 2-4 Family 13.675 0.5 0 0.0125
21061 MD XXXX BURNIE Single Family 11.425 0.5 0 0.0125
6095 CT WINDSOR Single Family 12.425 0.5 0 0.0125
96821 HI HONOLULU PUD 10.99 0.5 0 0.0125
96786 HI WAHIAWA Single Family 10.99 0.5 0 0.0125
95125 CA SAN XXXX Single Family 11.5 0.5 0 0.0125
96701 HI AIEA Hi-Rise Condo 11.99 0.5 0 0.0125
96821 HI HONOLULU PUD 10.99 0.5 0 0.0125
96706 HI EWA BEACH PUD 9.99 0.5 0 0.0125
96746 HI KAPAA Single Family 11.25 0.5 0 0.0125
96768 HI MAKAWAO 2-4 Family 10.25 0.5 0 0.0125
6354 CT MOOSUP Single Family 9.95 0.5 0 0.0125
74012 OK BROKEN ARROW Single Family 9.35 0.5 0 0.0125
33174 FL MIAMI 2-4 Family 8.65 0.5 0 0.0125
30005 GA ALPHARETTA Single Family 9 0.5 0 0.0125
32246 FL JACKSONVILLE PUD 9 0.5 0 0.0125
77338 TX HUMBLE PUD 9.99 0.5 0 0.0125
33035 FL HOMESTEAD Condominium 9.55 0.5 0 0.0125
33617 FL TAMPA Single Family 9.99 0.5 0 0.0125
96816 HI HONOLULU Single Family 11.75 0.5 0 0.0125
96797 HI WAIPAHU Condominium 10.5 0.5 0 0.0125
96822 HI HONOLULU Single Family 11.99 0.5 0 0.0125
96826 HI HONOLULU Single Family 11.99 0.5 0 0.0125
96744 HI KANEOHE Single Family 8.5 0.5 0 0.0125
96740 HI KAILUA KONA Single Family 11.99 0.5 0 0.0125
2840 RI NEWPORT 2-4 Family 9.5 0.5 0 0.0125
30058 GA LITHONIA Single Family 12.8 0.5 0 0.0125
6114 CT HARTFORD 2-4 Family 12.25 0.5 0 0.0125
30331 GA ATLANTA Single Family 11.425 0.5 0 0.0125
1105 MA SPRINGFIELD 2-4 Family 13.5 0.5 0 0.0125
30238 GA JONESBORO Single Family 12.925 0.5 0 0.0125
6382 CT UNCASVILLE 2-4 Family 12.375 0.5 0 0.0125
28078 NC HUNTERSVILLE PUD 12.175 0.5 0 0.0125
6360 CT NORWICH Single Family 9.625 0.5 0 0.0125
30084 GA TUCKER Single Family 13.3 0.5 0 0.0125
30342 GA ATLANTA Condominium 12.675 0.5 0 0.0125
1510 MA CLINTON 2-4 Family 12.25 0.5 0 0.0125
89110 NV LAS VEGAS Single Family 13.675 0.5 0 0.0125
92027 CA ESCONDIDO Single Family 10.8 0.5 0 0.0125
1037 MA HARDWICK 2-4 Family 12.25 0.5 0 0.0125
1108 MA SPRINGFIELD 2-4 Family 12.25 0.5 0 0.0125
80601 CO BRIGHTON PUD 10.55 0.5 0 0.0125
6106 CT HARTFORD 2-4 Family 10.75 0.5 0 0.0125
58078 ND WEST FARGO Single Family 11.55 0.5 0 0.0125
4240 ME LEWISTON 2-4 Family 12.375 0.5 0 0.0125
4001 ME ACTON Single Family 10.75 0.5 0 0.0125
84780 UT WASHINGTON PUD 11.425 0.5 0 0.0125
2896 RI NORTH SMITHFIEL Single Family 11.875 0.5 0 0.0125
80918 CO COLORADO SPRINGS Single Family 9.925 0.5 0 0.0125
1850 MA LOWELL Condominium 12.25 0.5 0 0.0125
37912 TN KNOXVILLE Single Family 8.625 0.5 0 0.0125
2840 RI NEWPORT 2-4 Family 11.5 0.5 0 0.0125
37138 TN OLD HICKORY PUD 8.875 0.5 0 0.0125
6112 CT HARTFORD Single Family 9.75 0.5 0 0.0125
23453 VA VIRGINIA BEACH PUD 13.05 0.5 0 0.0125
1453 MA LEOMINSTER 2-4 Family 12.375 0.5 0 0.0125
2909 RI PROVIDENCE 2-4 Family 12.25 0.5 0 0.0125
6511 CT NEW HAVEN 2-4 Family 13.5 0.5 0 0.0125
74110 OK TULSA Single Family 12.425 0.5 0 0.0125
1950 MA NEWBURYPORT Condominium 11.25 0.5 0 0.0125
77584 TX PEARLAND PUD 11.675 0.5 0 0.0125
6106 CT HARTFORD 2-4 Family 12.375 0.5 0 0.0125
32209 FL JACKSONVILLE Single Family 13.3 0.5 0 0.0125
6114 CT HARTFORD 2-4 Family 12.375 0.5 0 0.0125
32738 FL DELTONA Single Family 12.175 0.5 0 0.0125
6360 CT NORWICH 2-4 Family 13.5 0.5 0 0.0125
32725 FL DELTONA Single Family 11.425 0.5 0 0.0125
6066 CT VERNON 2-4 Family 10.875 0.5 0 0.0125
30041 GA CUMMING PUD 10.925 0.5 0 0.0125
1841 MA XXXXXXXX 2-4 Family 9.625 0.5 0 0.0125
32219 FL JACKSONVILLE PUD 11.675 0.5 0 0.0125
4005 ME BIDDEFORD Single Family 13.125 0.5 0 0.0125
33617 FL TAMPA Condominium 14.675 0.5 0 0.0125
1845 MA NORTH ANDOVER Single Family 11.875 0.5 0 0.0125
99603 AK XXXXX Single Family 10.5 0.5 0 0.0125
33032 FL HOMESTEAD Single Family 11.05 0.5 0 0.0125
1108 MA SPRINGFIELD 2-4 Family 12.375 0.5 0 0.0125
1108 MA SPRINGFIELD 2-4 Family 12.375 0.5 0 0.0125
33914 FL CAPE CORAL Single Family 11.675 0.5 0 0.0125
33764 FL CLEARWATER Condominium 11.8 0.5 0 0.0125
1930 MA GLOUCESTER Single Family 9.375 0.5 0 0.0125
33143 FL MIAMI Single Family 11.55 0.5 0 0.0125
34759 FL KISSIMMEE PUD 14.675 0.5 0 0.0125
6450 CT MERIDEN 2-4 Family 12.375 0.5 0 0.0125
32218 FL JACKSONVILLE Single Family 12.05 0.5 0 0.0125
33544 FL XXXXXX CHAPEL PUD 11.3 0.5 0 0.0125
1240 MA LENOX Single Family 12.5 0.5 0 0.0125
33024 FL PEMBROKE PINES Condominium 10.8 0.5 0 0.0125
5476 VT BERKSHIRE Single Family 9.75 0.5 0 0.0125
48180 MI XXXXXX PUD 12.55 0.5 0 0.0125
33056 FL OPA LOCKA Single Family 11.8 0.5 0 0.0125
46237 IN INDIANAPOLIS Single Family 12.55 0.5 0 0.0125
2148 MA MALDEN Single Family 12.375 0.5 0 0.0125
34746 FL KISSIMMEE PUD 9.625 0.5 0 0.0125
3246 NH LACONIA 2-4 Family 8.625 0.5 0 0.0125
3246 NH LACONIA 2-4 Family 12.375 0.5 0 0.0125
3570 NH BERLIN 2-4 Family 12.25 0.5 0 0.0125
3103 NH MANCHESTER Single Family 8.375 0.5 0 0.0125
3820 NH DOVER Condominium 9.625 0.5 0 0.0125
3908 ME SOUTH BERWICK Single Family 8.125 0.5 0 0.0125
3801 NH PORTSMOUTH Single Family 8.125 0.5 0 0.0125
2130 MA JAMAICA PLAIN Single Family 8.5 0.5 0 0.0125
2915 RI EAST PROVIDENCE 2-4 Family 8.625 0.5 0 0.0125
8098 NJ WOODSTOWN Single Family 11.5 0.5 0 0.0125
8096 NJ WOODBURY Single Family 8.5 0.5 0 0.0125
7103 NJ NEWARK 2-4 Family 9.375 0.5 0 0.0125
8514 NJ CREAM RIDGE Single Family 8 0.5 0 0.0125
34711 FL CLERMONT PUD 11.875 0.5 0 0.0125
0000 XX XXXX XXXXXXXXX Single Family 10.5 0.5 0 0.0125
98108 WA SEATTLE Single Family 9.99 0.5 0 0.0125
77573 TX LEAGUE CITY Single Family 9.99 0.5 0 0.0125
30043 GA LAWRENCEVILLE PUD 10.15 0.5 0 0.0125
74136 OK TULSA Single Family 9.99 0.5 0 0.0125
34609 FL SPRING HILL Single Family 9.955 0.5 0 0.0125
77088 TX HOUSTON Single Family 9.99 0.5 0 0.0125
77080 TX HOUSTON Single Family 9.99 0.5 0 0.0125
11429 NY QUEENS VILLAGE Single Family 10.63 0.5 0 0.0125
97080 OR XXXXXXX Single Family 9.35 0.5 0 0.0125
94530 CA EL CERRITO Single Family 11.8 0.5 0 0.0125
00000 XX XXXXXXXX Condominium 11.3 0.5 0 0.0125
92307 CA APPLE VALLEY Single Family 10.05 0.5 0 0.0125
30135 GA DOUGLASVILLE PUD 10.9 0.5 0 0.0125
37072 TN GOODLETTSVILLE Single Family 8.66 0.5 0 0.0125
30016 GA XXXXXXXXX PUD 10.05 0.5 0 0.0125
48506 MI FLINT Single Family 11.05 0.5 0 0.0125
30238 GA JONESBORO Single Family 10.3 0.5 0 0.0125
33140 FL MIAMI BEACH Condominium 11.8 0.5 0 0.0125
19706 DE DELAWARE CITY Single Family 10.05 0.5 0 0.0125
63376 MO SAINT XXXXXX Single Family 11.8 0.5 0 0.0125
30013 GA XXXXXXX Single Family 11.8 0.5 0 0.0125
33312 FL FORT LAUDERDALE Condominium 10.5 0.5 0 0.0125
85208 AZ MESA Single Family 9.15 0.5 0 0.0125
33761 FL CLEARWATER Single Family 10.9 0.5 0 0.0125
33405 FL WEST PALM BEACH Single Family 10.65 0.5 0 0.0125
76179 TX FORT WORTH Single Family 9.99 0.5 0 0.0125
15644 PA XXXXXXXXX Single Family 10.75 0.5 0 0.0125
34758 FL KISSIMMEE PUD 10.5 0.5 0 0.0125
97062 OR TUALATIN Single Family 10.55 0.5 0 0.0125
30274 GA RIVERDALE Single Family 9.99 0.5 0 0.0125
95831 CA SACRAMENTO Single Family 12 0.5 0 0.0125
33177 FL MIAMI Single Family 10.25 0.5 0 0.0125
33990 FL CAPE CORAL Single Family 11.3 0.5 0 0.0125
92545 CA HEMET Single Family 11.5 0.5 0 0.0125
75241 TX DALLAS PUD 9.99 0.5 0 0.0125
76248 TX FORT WORTH Single Family 9.99 0.5 0 0.0125
33461 FL LAKEWORTH Single Family 12 0.5 0 0.0125
84037 UT KAYSVILLE Single Family 11.65 0.5 0 0.0125
92545 CA HEMET Single Family 9.99 0.5 0 0.0125
90630 CA CYPRESS Single Family 9.5 0.5 0 0.0125
30248 GA LOCUST GROVE Single Family 11.8 0.5 0 0.0125
33060 FL POMPANO BEACH 2-4 Family 10.55 0.5 0 0.0125
98204 WA XXXXXXX Single Family 10.5 0.5 0 0.0125
20744 MD FORT WASHINGTON Single Family 10.95 0.5 0 0.0125
34668 FL PORT XXXXXX PUD 9.5 0.5 0 0.0125
22192 VA WOODBRIDGE Single Family 11.65 0.5 0 0.0125
91406 CA VAN NUYS Single Family 10.99 0.5 0 0.0125
92054 CA OCEANSIDE Single Family 11.99 0.5 0 0.0125
94568 CA DUBLIN Single Family 11.99 0.5 0 0.0125
94509 CA ANTIOCH Single Family 11.99 0.5 0 0.0125
94565 CA PITTSBURG Single Family 11.875 0.5 0 0.0125
93015 CA FILLMORE Single Family 11.99 0.5 0 0.0125
94952 CA PETALUMA Single Family 11.99 0.5 0 0.0125
84738 UT XXXXX Single Family 8.65 0.5 0 0.0125
33015 FL MIAMI PUD 9.35 0.5 0 0.0125
23324 VA CHESAPEAKE Single Family 10.13 0.5 0 0.0125
15954 PA XXXXXX Single Family 9.5 0.5 0 0.0125
37914 TN KNOXVILLE Single Family 8.23 0.5 0 0.0125
84604 UT PROVO Single Family 8.85 0.5 0 0.0125
7106 NJ NEWARK Single Family 9.95 0.5 0 0.0125
93706 CA FRESNO Single Family 11.35 0.5 0 0.0125
92553 CA XXXXXX VALLEY Single Family 8.65 0.5 0 0.0125
97031 OR HOOD RIVER Single Family 11.1 0.5 0 0.0125
20783 MD HYATTSVILLE Single Family 11.75 0.5 0 0.0125
45239 OH CINCINNATI Single Family 11.15 0.5 0 0.0125
33024 FL HOLLYWOOD Single Family 9 0.5 0 0.0125
0000 XX XXXXX XXXXXXXXX Single Family 12 0.5 0 0.0125
32967 FL VERO BEACH Single Family 9.99 0.5 0 0.0125
30047 GA LILBURN Single Family 10.05 0.5 0 0.0125
33325 FL DAVIE PUD 9.25 0.5 0 0.0125
38125 TN MEMPHIS Single Family 8.66 0.5 0 0.0125
91740 CA GLENDORA Single Family 9.95 0.5 0 0.0125
94080 CA SOUTH SAN FRANCISCO Single Family 11.125 0.5 0 0.0125
94534 CA FAIRFIELD Single Family 11.99 0.5 0 0.0125
94605 CA OAKLAND Single Family 11.99 0.5 0 0.0125
89081 NV NORTH LAS VEGAS PUD 11.99 0.5 0 0.0125
94538 CA FREMONT Single Family 11.375 0.5 0 0.0125
92592 CA TEMECULA Condominium 10.875 0.5 0 0.0125
38006 TN BELLS Single Family 9.99 0.5 0 0.0125
94806 CA SAN PABLO 2-4 Family 11.99 0.5 0 0.0125
77478 TX SUGAR LAND PUD 11.55 0.5 0 0.0125
92505 CA RIVERSIDE Single Family 8.65 0.5 0 0.0125
92127 CA SAN DIEGO Condominium 12.3 0.5 0 0.0125
30296 GA RIVERDALE PUD 13.3 0.5 0 0.0125
2149 MA EVERETT 2-4 Family 8.75 0.5 0 0.0125
30038 GA LITHONIA PUD 10.675 0.5 0 0.0125
29671 SC XXXXXXX Single Family 11.425 0.5 0 0.0125
2536 MA WAQUOIT Single Family 8.25 0.5 0 0.0125
30008 GA MARIETTA Single Family 13.675 0.5 0 0.0125
30331 GA ATLANTA Single Family 11.55 0.5 0 0.0125
2360 MA PLYMOUTH Single Family 9.625 0.5 0 0.0125
30093 GA NORCROSS Single Family 10.3 0.5 0 0.0125
30035 GA DECATUR Single Family 10.925 0.5 0 0.0125
30135 GA DOUGLASVILLE PUD 13.55 0.5 0 0.0125
2301 MA BROCKTON Single Family 10.875 0.5 0 0.0125
6120 CT HARTFORD 2-4 Family 13.5 0.5 0 0.0125
30274 GA RIVERDALE Single Family 11.425 0.5 0 0.0125
1830 MA HAVERHILL Single Family 8.375 0.5 0 0.0125
1832 MA HAVERHILL 2-4 Family 9.625 0.5 0 0.0125
1832 MA HAVERHILL 2-4 Family 10.5 0.5 0 0.0125
33904 FL CAPE CORAL Single Family 9.5 0.5 0 0.0125
3301 NH CONCORD Condominium 12.125 0.5 0 0.0125
2155 MA MEDFORD Single Family 8.75 0.5 0 0.0125
31807 GA ELLERSLIE Single Family 11.8 0.5 0 0.0125
30096 GA DULUTH Condominium 13.3 0.5 0 0.0125
2119 MA ROXBURY Condominium 8.75 0.5 0 0.0125
30014 GA XXXXXXXXX Single Family 11.425 0.5 0 0.0125
1420 MA FITCHBURG Condominium 10.75 0.5 0 0.0125
35125 XX XXXX CITY PUD 12.8 0.5 0 0.0125
30062 GA MARIETTA PUD 11.175 0.5 0 0.0125
34741 FL KISSIMMEE PUD 11.875 0.5 0 0.0125
1506 MA BROOKFIELD Single Family 8.75 0.5 0 0.0125
2125 MA BOSTON 2-4 Family 8.5 0.5 0 0.0125
1119 MA SPRINGFIELD Condominium 10 0.5 0 0.0125
30213 GA FAIRBURN PUD 11.925 0.5 0 0.0125
2112 MA DORCHESTER Condominium 9.5 0.5 0 0.0125
30013 GA XXXXXXX PUD 13.3 0.5 0 0.0125
1803 MA BURLINGTON Single Family 12.25 0.5 0 0.0125
1832 MA HAVERHILL Single Family 9.125 0.5 0 0.0125
2026 MA DEDHAM Single Family 10.5 0.5 0 0.0125
1824 MA CHELMSFORD Condominium 10 0.5 0 0.0125
1923 MA DANVERS Single Family 9 0.5 0 0.0125
1851 MA LOWELL Single Family 9.375 0.5 0 0.0125
1351 MA MONTAGUE Single Family 10.5 0.5 0 0.0125
75137 TX DUNCANVILLE Single Family 9.99 0.5 0 0.0125
92084 CA VISTA Single Family 11.175 0.5 0 0.0125
98662 WA VANCOUVER Single Family 9.35 0.5 0 0.0125
92688 CA RANCHO SANTA XXXXXXXXX Condominium 9.3 0.5 0 0.0125
11207 NY BROOKLYN 2-4 Family 11.05 0.5 0 0.0125
85747 AZ TUCSON PUD 10.8 0.5 0 0.0125
7863 NJ OXFORD Single Family 9 0.5 0 0.0125
29414 SC CHARLESTON Single Family 10.5 0.5 0 0.0125
31404 GA SAVANNAH Single Family 10.8 0.5 0 0.0125
55411 MN MINNEAPOLIS Single Family 9.99 0.5 0 0.0125
94066 CA SAN BRUNO PUD 11.99 0.5 0 0.0125
85935 AZ PINETOP Single Family 10.5 0.5 0 0.0125
95822 CA SACRAMENTO Single Family 11.99 0.5 0 0.0125
89134 NV LAS VEGAS PUD 11.99 0.5 0 0.0125
95132 CA SAN XXXX Single Family 11.99 0.5 0 0.0125
95842 CA SACRAMENTO Single Family 11.99 0.5 0 0.0125
95388 CA XXXXXX Single Family 11.375 0.5 0 0.0125
29576 SC MURRELLS INLET PUD 10.5 0.5 0 0.0125
29577 SC MYRTLE BEACH Single Family 12 0.5 0 0.0125
31419 GA SAVANNAH PUD 13.425 0.5 0 0.0125
31406 GA SAVANNAH Single Family 11.05 0.5 0 0.0125
29466 SC MOUNT PLEASANT Single Family 10.5 0.5 0 0.0125
31312 GA XXXXXX Single Family 12.55 0.5 0 0.0125
31324 GA RICHMOND HILL PUD 10.5 0.5 0 0.0125
30067 GA MARIETTA Single Family 12.05 0.5 0 0.0125
30058 GA LITHONIA Single Family 9.55 0.5 0 0.0125
13219 NY SYRACUSE Single Family 12.05 0.5 0 0.0125
77396 TX HUMBLE Single Family 9.875 0.5 0 0.0125
75154 TX XXXXX HEIGHTS Single Family 9.875 0.5 0 0.0125
78045 TX LAREDO Single Family 11.55 0.5 0 0.0125
92203 CA INDIO Single Family 11.625 0.5 0 0.0125
87144 NM RIO RANCHO Single Family 12.25 0.5 0 0.0125
92234 CA CATHEDRAL CITY Single Family 12 0.5 0 0.0125
30507 GA GAINESVILLE Single Family 12.8 0.5 0 0.0125
30122 GA LITHIA SPRINGS Single Family 9.99 0.5 0 0.0125
35022 AL BESSEMER Single Family 9.8 0.5 0 0.0125
33145 FL MIAMI Single Family 8.925 0.5 0 0.0125
30039 GA SNELLVILLE PUD 10.05 0.5 0 0.0125
20110 VA MANASSAS Single Family 12 0.5 0 0.0125
30228 GA HAMPTON PUD 12.55 0.5 0 0.0125
80918 CO COLORADO SPRING PUD 9.35 0.5 0 0.0125
30248 GA LOCUST GROVE PUD 12.8 0.5 0 0.0125
28105 NC MATTHEWS PUD 8.99 0.5 0 0.0125
92028 CA FALLBROOK PUD 5 0.5 0 0.0125
11553 NY UNIONDALE Single Family 11.75 0.5 0 0.0125
92879 CA CORONA Single Family 11.425 0.5 0 0.0125
20724 MD LAUREL PUD 9.99 0.5 0 0.0125
94030 CA EAST PALO ALTO Single Family 9.5 0.5 0 0.0125
94521 CA CONCORD Single Family 10.75 0.5 0 0.0125
92882 CA CORONA Condominium 11.99 0.5 0 0.0125
94044 CA PACIFICA Single Family 10.99 0.5 0 0.0125
94803 CA EL SOBRANTE Single Family 11.99 0.5 0 0.0125
96003 CA XXXXXXX Single Family 11.99 0.5 0 0.0125
95831 CA SACRAMENTO Single Family 11.99 0.5 0 0.0125
93015 CA FILLMORE Single Family 11.8 0.5 0 0.0125
65255 MO HALLSVILLE Single Family 8.99 0.5 0 0.0125
85375 AZ SUN CITY WEST PUD 10.8 0.5 0 0.0125
40511 KY LEXINGTON Single Family 8.75 0.5 0 0.0125
92870 CA PLACENTIA Condominium 11.8 0.5 0 0.0125
90003 CA LOS ANGELES 2-4 Family 10.675 0.5 0 0.0125
75442 TX FARMERSVILLE Single Family 9.85 0.5 0 0.0125
11691 NY FAR ROCKAWAY 2-4 Family 9.5 0.5 0 0.0125
90501 CA LOS ANGELES Single Family 8.5 0.5 0 0.0125
7055 NJ PASSAIC Single Family 9.99 0.5 0 0.0125
97301 OR SALEM Single Family 10.99 0.5 0 0.0125
22192 VA WOODBRIDGE Single Family 10.75 0.5 0 0.0125
89143 NV LAS VEGAS PUD 11.99 0.5 0 0.0125
94131 CA SAN FRANCISCO Condominium 11.75 0.5 0 0.0125
37205 TN NASHVILLE Single Family 11.875 0.5 0 0.0125
95762 CA EL DORADO HILLS PUD 10.625 0.5 0 0.0125
89124 NV LAS VEGAS PUD 10.375 0.5 0 0.0125
94531 CA ANTIOCH Single Family 11.125 0.5 0 0.0125
89135 NV LAS VEGAS PUD 11.99 0.5 0 0.0125
94579 CA SAN LEANDRO PUD 11.625 0.5 0 0.0125
30281 GA STOCKBRIDGE PUD 13.675 0.5 0 0.0125
76248 TX FORT WORTH Single Family 9.99 0.5 0 0.0125
36092 AL WETUMPKA Single Family 10.8 0.5 0 0.0125
90713 CA LAKEWOOD Single Family 9.99 0.5 0 0.0125
30344 GA EAST POINT 2-4 Family 12.3 0.5 0 0.0125
93727 CA FRESNO PUD 8.75 0.5 0 0.0125
64154 MO KANSAS CITY Condominium 11.75 0.5 0 0.0125
64154 MO KANSAS CITY Condominium 11.75 0.5 0 0.0125
95377 CA TRACY Single Family 10.75 0.5 0 0.0125
85251 AZ SCOTTSDALE Single Family 12.25 0.5 0 0.0125
87004 NM BERNALILLO Single Family 10.75 0.5 0 0.0125
96734 HI KAILUA Single Family 10.5 0.5 0 0.0125
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30228 GA HAMPTON PUD 11.675 0.5 0 0.0125
75212 TX DALLAS Single Family 9.875 0.5 0 0.0125
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78239 TX SAN ANTONIO Townhouse 10 0.5 0 0.0125
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70445 XX XXXXXXX Single Family 9.5 0.5 0 0.0125
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89012 NV XXXXXXXXX PUD 14.75 0.5 0 0.0125
19977 DE SMYRNA PUD 9 0.5 0 0.0125
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55124 MN APPLE VALLEY Single Family 10 0.5 0 0.0125
78626 TX GEORGETOWN PUD 10.75 0.5 0 0.0125
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92118 CA CORONADO Single Family 8.875 0.5 0 0.0125
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28716 NC CANTON Single Family 7.875 0.5 0 0.0125
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83642 ID MERIDIAN PUD 12.75 0.5 0 0.0125
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34691 FL HOLIDAY Single Family 10.375 0.5 0 0.0125
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87112 NM ALBUQUERQUE Single Family 14.625 0.5 0 0.0125
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85018 AZ PHOENIX Single Family 7.5 0.5 0 0.0125
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93510 CA ACTON PUD 12.5 0.5 0 0.0125
44131 OH SEVEN HILLS Single Family 8.875 0.5 0 0.0125
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77015 TX HOUSTON PUD 10 0.5 0 0.0125
84070 UT XXXXX 2-4 Family 11.875 0.5 0 0.0125
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17602 PA LANCASTER 2-4 Family 16 0.5 0 0.0125
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89117 NV LAS VEGAS PUD 12.75 0.5 0 0.0125
80223 CO DENVER Single Family 9.125 0.5 0 0.0125
17602 PA LANCASTER 2-4 Family 16 0.5 0 0.0125
29680 SC SIMPSONVILLE PUD 15 0.5 0 0.0125
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17602 PA LANCASTER 2-4 Family 16 0.5 0 0.0125
29621 SC XXXXXXXX Single Family 9.75 0.5 0 0.0125
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93704 CA FRESNO Single Family 9 0.5 0 0.0125
85379 AZ SURPRISE PUD 8.875 0.5 0 0.0125
85020 AZ PHOENIX Condominium 8.75 0.5 0 0.0125
63119 MO SAINT LOUIS Single Family 15 0.5 0 0.0125
92376 CA RIALTO Single Family 8.5 0.5 0 0.0125
17538 PA SALUNGA 2-4 Family 16 0.5 0 0.0125
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75146 TX LANCASTER Single Family 15 0.5 0 0.0125
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94801 CA RICHMOND Single Family 10 0.5 0 0.0125
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75067 TX LEWISVILLE Single Family 16.25 0.5 0 0.0125
30080 GA SMYRNA Single Family 14.875 0.5 0 0.0125
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83286 ID WESTON Single Family 10.875 0.5 0 0.0125
95824 CA SACRAMENTO Single Family 10.5 0.5 0 0.0125
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60102 IL ALGONQUIN Single Family 8.5 0.5 0 0.0125
75217 TX DALLAS Single Family 14 0.5 0 0.0125
34758 FL KISSIMMEE PUD 14.375 0.5 0 0.0125
89129 NV LAS VEGAS PUD 14 0.5 0 0.0125
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75006 TX CARROLLTON PUD 11.625 0.5 0 0.0125
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22193 VA WOODBRIDGE Single Family 9.625 0.5 0 0.0125
48213 MI DETROIT Single Family 16.125 0.5 0 0.0125
33928 FL ESTERO Condominium 11.625 0.5 0 0.0125
55318 MN CHASKA PUD 8.5 0.5 0 0.0125
45212 OH CINCINNATI Single Family 12.375 0.5 0 0.0125
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89012 NV XXXXXXXXX PUD 8.375 0.5 0 0.0125
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34135 FL XXXXXX SPRINGS PUD 10.125 0.5 0 0.0125
93274 CA TULARE Single Family 9.625 0.5 0 0.0125
84043 UT EAGLE MOUNTAIN Single Family 10.625 0.5 0 0.0125
85262 AZ SCOTTSDALE PUD 8.5 0.5 0 0.0125
92408 CA SAN BERNARDINO Single Family 15.125 0.5 0 0.0125
84010 UT BOUNTIFUL Single Family 8.125 0.5 0 0.0125
75154 TX RED OAK Single Family 13 0.5 0 0.0125
66607 KS TOPEKA Single Family 15 0.5 0 0.0125
83338 ID XXXXXX Single Family 10.625 0.5 0 0.0125
33408 FL NORTH PALM BEACH Single Family 9 0.5 0 0.0125
76063 TX MANSFIELD PUD 10 0.5 0 0.0125
33572 FL APOLLO BEACH PUD 13.375 0.5 0 0.0125
94806 CA SAN PABLO Single Family 12.5 0.5 0 0.0125
83607 ID CALWELL Single Family 15 0.5 0 0.0125
78213 TX SAN ANTONIO Single Family 10 0.5 0 0.0125
30134 GA DOUGLASVILLE Single Family 10.75 0.5 0 0.0125
75098 TX WYLIE Single Family 9.875 0.5 0 0.0125
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89436 NV RENO Single Family 11.375 0.5 0 0.0125
80461 CO LEADVILLE Single Family 12.5 0.5 0 0.0125
48188 MI CANTON Single Family 11.4 0.5 0 0.0125
60649 IL CHICAGO 2-4 Family 10.05 0.5 0 0.0125
32927 FL COCOA Single Family 8.7 0.5 0 0.0125
77469 TX RICHMOND Single Family 9.99 0.5 0 0.0125
60436 IL ROCKDALE Single Family 12.05 0.5 0 0.0125
33559 FL XXXX PUD 9 0.5 0 0.0125
77450 TX KATY Single Family 9.99 0.5 0 0.0125
44312 OH AKRON Single Family 11.05 0.5 0 0.0125
92553 CA XXXXXX VALLEY Single Family 8.65 0.5 0 0.0125
21117 MD XXXXXX XXXXX PUD 10.05 0.5 0 0.0125
60432 IL JOLIET Single Family 12.75 0.5 0 0.0125
41101 KY ASHLAND Single Family 10.75 0.5 0 0.0125
34602 FL BROOKSVILLE Single Family 11.05 0.5 0 0.0125
55398 MN XXXXXXXXX Single Family 10.65 0.5 0 0.0125
94080 CA SOUTH SAN FRANCISCO Single Family 11.99 0.5 0 0.0125
33428 FL BOCA RATON Single Family 10.625 0.5 0 0.0125
94112 CA SAN FRANCISCO Single Family 11.99 0.5 0 0.0125
94514 CA XXXXX Single Family 11.99 0.5 0 0.0125
55372 MN PRIOR LAKE Single Family 7.99 0.5 0 0.0125
44120 OH CLEVELAND 2-4 Family 10.95 0.5 0 0.0125
32327 FL CRAWFORDVILLE Single Family 12 0.5 0 0.0125
74135 OK TULSA Single Family 9.99 0.5 0 0.0125
74012 OK BROKEN ARROW Single Family 9.99 0.5 0 0.0125
92571 CA PERRIS Single Family 10.65 0.5 0 0.0125
33177 FL MIAMI PUD 9 0.5 0 0.0125
92410 CA SAN BERNARDINO Single Family 9.95 0.5 0 0.0125
27703 NC DURHAM PUD 9.35 0.5 0 0.0125
37331 TN ETOWAH Single Family 8.23 0.5 0 0.0125
80130 CO LITTLETON PUD 9.75 0.5 0 0.0125
28270 NC CHARLOTTE Single Family 12.625 0.5 0 0.0125
83704 ID BOISE Single Family 9 0.5 0 0.0125
87122 NM ALBUQUERQUE PUD 11 0.5 0 0.0125
85251 AZ SCOTTSDALE Condominium 12.375 0.5 0 0.0125
20111 VA MANASSAS Single Family 12.375 0.5 0 0.0125
89117 NV LAS VEGAS PUD 9.5 0.5 0 0.0125
23321 VA CHESAPEAKE Single Family 12.625 0.5 0 0.0125
32771 FL SANFORD Single Family 10.875 0.5 0 0.0125
88012 NM LAS CRUCES Single Family 11 0.5 0 0.0125
65536 MO LEBANON Single Family 9 0.5 0 0.0125
85224 AZ XXXXXXXX Single Family 8 0.5 0 0.0125
36066 AL PRATTVILLE Single Family 10.375 0.5 0 0.0125
87047 NM SANDIA PARK Single Family 10.125 0.5 0 0.0125
46140 IN GREENFIELD Single Family 12 0.5 0 0.0125
21409 MD ANNAPOLIS PUD 10.5 0.5 0 0.0125
83642 ID MERIDIAN PUD 9.5 0.5 0 0.0125
30019 GA DACULA PUD 11.125 0.5 0 0.0125
83352 ID SHOSHONE Single Family 9.75 0.5 0 0.0125
85255 AZ SCOTTSDALE Condominium 11.875 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 11.125 0.5 0 0.0125
63044 MO BRIDGETON 2-4 Family 13 0.5 0 0.0125
23451 VA VIRGINIA BEACH Single Family 11.75 0.5 0 0.0125
85222 AZ CASA GRANDE PUD 12 0.5 0 0.0125
85222 AZ CASA GRANDE PUD 12 0.5 0 0.0125
2916 RI COVENTRY Single Family 10.625 0.5 0 0.0125
30121 GA CARTERSVILLE Single Family 12 0.5 0 0.0125
28213 NC CHARLOTTE Single Family 11.375 0.5 0 0.0125
89131 NV LAS VEGAS PUD 11 0.5 0 0.0125
30213 GA FAIRBURN Single Family 13.625 0.5 0 0.0125
17363 PA STEWARTSTOWN Single Family 9.875 0.5 0 0.0125
82001 WY CHEYENNE Single Family 9.875 0.5 0 0.0125
38117 TN MEMPHIS Single Family 10.875 0.5 0 0.0125
32736 FL EUSTIS PUD 11.875 0.5 0 0.0125
00000 XX XXXXXXX XXX Single Family 11.625 0.5 0 0.0125
75227 TX DALLAS Single Family 9.5 0.5 0 0.0125
83706 ID BOISE Single Family 11.625 0.5 0 0.0125
35810 AL HUNTSVILLE Single Family 11.55 0.5 0 0.0125
30288 GA XXXXXX PUD 12.55 0.5 0 0.0125
30906 GA AUGUSTA Single Family 13.675 0.5 0 0.0125
60107 IL STREAMWOOD Condominium 11.55 0.5 0 0.0125
30035 GA DECATUR PUD 11.925 0.5 0 0.0125
89074 NV HENDERSON PUD 12.5 0.5 0 0.0125
66071 KS PAOLA Single Family 9.875 0.5 0 0.0125
92882 CA CORONA Single Family 11.125 0.5 0 0.0125
22601 VA WINCHESTER Single Family 12.375 0.5 0 0.0125
76002 TX ARLINGTON Single Family 11.75 0.5 0 0.0125
97229 OR PORTLAND Single Family 11.625 0.5 0 0.0125
85382 AZ PEORIA PUD 12.375 0.5 0 0.0125
85260 AZ SCOTTSDALE PUD 11.25 0.5 0 0.0125
30039 GA SNELLVILLE PUD 12 0.5 0 0.0125
83687 ID NAMPA PUD 8.375 0.5 0 0.0125
30666 GA STATHAM Single Family 13.05 0.5 0 0.0125
29575 SC SURFSIDE BEACH Single Family 9.875 0.5 0 0.0125
30080 GA SMYRNA Single Family 9.55 0.5 0 0.0125
31525 GA BRUNSWICK Single Family 12.55 0.5 0 0.0125
76065 TX MIDLOTHIAN Single Family 12.425 0.5 0 0.0125
30038 GA LITHONIA Single Family 12.8 0.5 0 0.0125
30134 GA DOUGLASVILLE Single Family 11.05 0.5 0 0.0125
30291 GA UNION CITY PUD 13.125 0.5 0 0.0125
30134 GA DOUGLASVILLE Single Family 11.875 0.5 0 0.0125
85382 AZ PEORIA PUD 12.125 0.5 0 0.0125
30349 GA COLLEGE PARK Single Family 12 0.5 0 0.0125
46143 IN GREENWOOD Single Family 12.175 0.5 0 0.0125
10303 NY STATEN ISLAND Single Family 9.99 0.5 0 0.0125
95991 CA YUBA CITY Single Family 11.15 0.5 0 0.0125
64138 MO RAYTOWN Single Family 12.05 0.5 0 0.0125
74128 OK TULSA Single Family 9.99 0.5 0 0.0125
21207 MD XXXXX OAK Single Family 10 0.5 0 0.0125
15690 PA VANDERGRIFT Single Family 12.05 0.5 0 0.0125
92336 CA FONTANA Single Family 9.35 0.5 0 0.0125
77539 TX XXXXXXXXX Single Family 9.99 0.5 0 0.0125
73505 OK LAWTON Single Family 12.55 0.5 0 0.0125
44137 OH MAPLE HEIGHTS Single Family 11 0.5 0 0.0125
84062 UT CEDAR HILLS PUD 11.425 0.5 0 0.0125
84107 UT XXXXXX Single Family 10.925 0.5 0 0.0125
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38585 TN XXXXXXX Single Family 8.625 0.5 0 0.0125
37086 TN LA VERGNE Single Family 8.875 0.5 0 0.0125
70791 LA ZACHARY Single Family 11.175 0.5 0 0.0125
37738 TN GATLINBURG Single Family 8.875 0.5 0 0.0125
78023 TX HELOTES PUD 10.8 0.5 0 0.0125
77040 TX HOUSTON PUD 13.425 0.5 0 0.0125
77459 TX MISSOURI CITY PUD 14.05 0.5 0 0.0125
77469 TX RICHMOND PUD 11.175 0.5 0 0.0125
79720 TX BIG SPRING Single Family 13.675 0.5 0 0.0125
43123 OH GROVE CITY Single Family 10.8 0.5 0 0.0125
32825 FL ORLANDO PUD 11.675 0.5 0 0.0125
34747 FL KISSIMMEE PUD 12.05 0.5 0 0.0125
20774 MD UPPER MARLBORO Single Family 11.05 0.5 0 0.0125
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77083 TX HOUSTON PUD 9.875 0.5 0 0.0125
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44691 OH WOOSTER Single Family 10.25 0.5 0 0.0125
33540 FL ZEPHYRHILLS PUD 12.425 0.5 0 0.0125
34715 FL MINNEOLA Single Family 10.925 0.5 0 0.0125
32820 FL ORLANDO PUD 11.925 0.5 0 0.0125
32746 FL XXXX XXXX PUD 12.925 0.5 0 0.0125
32750 FL LONGWOOD Single Family 12.25 0.5 0 0.0125
33437 FL BOYNTON BEACH PUD 10.925 0.5 0 0.0125
33351 FL SUNRISE Condominium 12.125 0.5 0 0.0125
33756 FL CLEARWATER Single Family 10.675 0.5 0 0.0125
33184 FL MIAMI PUD 11.8 0.5 0 0.0125
32303 FL TALLAHASSEE PUD 12.05 0.5 0 0.0125
33321 FL TAMARAC PUD 10.3 0.5 0 0.0125
2723 MA FALL RIVER 2-4 Family 12.5 0.5 0 0.0125
3064 NH NASHUA Single Family 9.875 0.5 0 0.0125
7111 NJ IRVINGTON 2-4 Family 11.5 0.5 0 0.0125
6812 CT NEW FAIRFIELD Single Family 10.5 0.5 0 0.0125
6484 CT XXXXXXX Single Family 11.75 0.5 0 0.0125
48237 MI WATERFORD Condominium 9 0.5 0 0.0125
1970 MA SALEM Single Family 11.25 0.5 0 0.0125
7087 NJ UNION CITY 2-4 Family 12.5 0.5 0 0.0125
0000 XX XXXXXX Single Family 11.625 0.5 0 0.0125
7003 NJ BLOOMFIELD Single Family 9.875 0.5 0 0.0125
44145 OH WESTLAKE Single Family 10.375 0.5 0 0.0125
7747 NJ OLD BRIDGE Condominium 10 0.5 0 0.0125
21215 MD BALTIMORE Single Family 11.875 0.5 0 0.0125
33624 FL TAMPA PUD 10.875 0.5 0 0.0125
11757 NY LINDENHURST Single Family 12.625 0.5 0 0.0125
34221 FL PALMETTO Single Family 12.875 0.5 0 0.0125
95843 CA ANTELOPE Condominium 12.875 0.5 0 0.0125
94803 CA RICHMOND Single Family 6.625 0.5 0 0.0125
95124 CA SAN XXXX Single Family 6.875 0.5 0 0.0125
95472 CA SEBASTOPOL Single Family 6.25 0.5 0 0.0125
92346 CA HIGHLAND Single Family 9.99 0.5 0 0.0125
55303 MN ANOKA Single Family 9.875 0.5 0 0.0125
30189 GA WOODSTOCK Single Family 11.75 0.5 0 0.0125
33016 FL MIAMI LAKES PUD 10.55 0.5 0 0.0125
55330 MN ELK RIVER Single Family 9.875 0.5 0 0.0125
33063 FL MARGATE Single Family 12.35 0.5 0 0.0125
46239 IN INDIANAPOLIS PUD 13.625 0.5 0 0.0125
33569 FL RIVERVIEW PUD 9.99 0.5 0 0.0125
33035 FL HOMESTEAD Condominium 9.95 0.5 0 0.0125
55443 MN BROOKLYN PARK Single Family 10.125 0.5 0 0.0125
21702 MD FREDERICK PUD 9.99 0.5 0 0.0125
33169 FL MIAMI Condominium 11.15 0.5 0 0.0125
30067 GA MARIETTA Condominium 12.8 0.5 0 0.0125
91709 CA CHINO HILLS Single Family 10.24 0.5 0 0.0125
34715 FL MINNEOLA PUD 10.365 0.5 0 0.0125
55124 MN APPLE VALLEY Condominium 10.125 0.5 0 0.0125
1108 MA SPRINGFIELD Single Family 9.35 0.5 0 0.0125
55033 MN HASTINGS PUD 10.125 0.5 0 0.0125
92551 CA XXXXXX VALLEY PUD 11.7 0.5 0 0.0125
74107 OK TULSA Single Family 9.99 0.5 0 0.0125
44077 OH PAINESVILLE Single Family 9.925 0.5 0 0.0125
78754 TX AUSTIN Single Family 9.99 0.5 0 0.0125
90018 CA LOS ANGELES Single Family 10.3 0.5 0 0.0125
27972 NC SALVO Single Family 11.8 0.5 0 0.0125
64137 MO KANSAS CITY Single Family 10.99 0.5 0 0.0125
75075 TX PLANO Single Family 9.99 0.5 0 0.0125
90062 CA LOS ANGELES Single Family 8.75 0.5 0 0.0125
75662 TX XXXXXXX Single Family 9.99 0.5 0 0.0125
95822 CA SACRAMENTO Single Family 9.9 0.5 0 0.0125
33033 FL HOMESTEAD Single Family 10.65 0.5 0 0.0125
40026 KY GOSHEN Single Family 9.99 0.5 0 0.0125
98375 WA PUYALLUP PUD 9 0.5 0 0.0125
93560 CA ROSAMOND Single Family 11.8 0.5 0 0.0125
90303 CA INGLEWOOD Single Family 9.35 0.5 0 0.0125
78046 TX LAREDO Single Family 9.99 0.5 0 0.0125
38242 TN PARIS Single Family 8.24 0.5 0 0.0125
92869 CA ORANGE Condominium 8.99 0.5 0 0.0125
84302 UT PERRY Single Family 8.75 0.5 0 0.0125
97230 OR PORTLAND Single Family 10.99 0.5 0 0.0125
94533 CA FAIRFIELD Single Family 9.5 0.5 0 0.0125
90650 CA NORWALK Single Family 9.25 0.5 0 0.0125
55106 MN SAINT XXXX Single Family 9.99 0.5 0 0.0125
89119 NV LAS VEGAS PUD 8.5 0.5 0 0.0125
90712 CA LAKEWOOD Single Family 9.99 0.5 0 0.0125
32835 FL ORLANDO Single Family 11.8 0.5 0 0.0125
66109 KS KANSAS CITY Single Family 10.75 0.5 0 0.0125
55411 MN MINNEAPOLIS 2-4 Family 12.8 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 10.6 0.5 0 0.0125
27284 NC KERNERSVILLE Single Family 8.75 0.5 0 0.0125
27603 NC RALEIGH Single Family 8.75 0.5 0 0.0125
30088 GA STONE MOUNTAIN Single Family 11.05 0.5 0 0.0125
90744 CA LOS ANGELES Single Family 9.99 0.5 0 0.0125
30078 GA SNELLVILLE Single Family 10.65 0.5 0 0.0125
98404 WA TACOMA Single Family 7.99 0.5 0 0.0125
33323 FL SUNRISE PUD 10.65 0.5 0 0.0125
33193 FL MIAMI PUD 9.65 0.5 0 0.0125
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18103 PA ALLENTOWN Single Family 9.99 0.5 0 0.0125
98155 WA SEATTLE Single Family 9.8 0.5 0 0.0125
45424 OH XXXXX HEIGHTS Single Family 10.5 0.5 0 0.0125
27284 NC KERNERSVILLE PUD 9.99 0.5 0 0.0125
42701 KY ELIZABETHTOWN Single Family 11.55 0.5 0 0.0125
7111 NJ IRVINGTON 2-4 Family 9.99 0.5 0 0.0125
33025 FL MIRAMAR PUD 12.05 0.5 0 0.0125
44111 OH CLEVELAND Single Family 10.8 0.5 0 0.0125
91801 CA ALHAMBRA Condominium 11.5 0.5 0 0.0125
55013 MN CHISAGO CITY Single Family 8.99 0.5 0 0.0125
44256 OH MEDINA Single Family 11.05 0.5 0 0.0125
2905 RI PROVIDENCE Single Family 12.6 0.5 0 0.0125
33133 FL MIAMI 2-4 Family 11.05 0.5 0 0.0125
46131 IN FRANKLIN Single Family 11.55 0.5 0 0.0125
63304 MO ST. XXXXXXX Single Family 8.63 0.5 0 0.0125
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45244 OH CINCINNATI Single Family 10.55 0.5 0 0.0125
30016 GA XXXXXXXXX PUD 12 0.5 0 0.0125
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18076 PA RED HILL PUD 7.75 0.5 0 0.0125
19335 PA DOWNINGTOWN PUD 7.875 0.5 0 0.0125
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8302 NJ BRIDGETON Single Family 8.75 0.5 0 0.0125
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8104 NJ CAMDEN Single Family 10.875 0.5 0 0.0125
8302 NJ BRIDGETON Single Family 8.75 0.5 0 0.0125
8302 NJ BRIDGETON Single Family 11.5 0.5 0 0.0125
8302 NJ BRIDGETON Single Family 11.5 0.5 0 0.0125
8302 NJ BRIDGETON Single Family 10.875 0.5 0 0.0125
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8753 NJ TOMS RIVER Single Family 12 0.5 0 0.0125
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29485 SC SUMMERVILLE PUD 8.75 0.5 0 0.0125
29483 SC SUMMERVILLE PUD 11.5 0.5 0 0.0125
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29407 SC CHARLESTON Single Family 11.5 0.5 0 0.0125
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29485 SC SUMMERVILLE 2-4 Family 10.125 0.5 0 0.0125
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34983 FL PORT SAINT LUCI Single Family 11.75 0.5 0 0.0125
32976 FL XXXXX Single Family 11.5 0.5 0 0.0125
32778 FL TAVARES PUD 11.875 0.5 0 0.0125
33990 FL CAPE CORAL Single Family 11.75 0.5 0 0.0125
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32092 FL SAINT AUGUSTINE PUD 10.875 0.5 0 0.0125
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8812 NJ DUNELLEN Single Family 10 0.5 0 0.0125
7108 NJ NEWARK 2-4 Family 11.5 0.5 0 0.0125
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7114 NJ NEWARK 2-4 Family 11.875 0.5 0 0.0125
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7306 NJ JERSEY CITY 2-4 Family 10 0.5 0 0.0125
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7102 NJ NEWARK 2-4 Family 9.875 0.5 0 0.0125
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18042 PA EASTON 2-4 Family 9.75 0.5 0 0.0125
17404 PA YORK 2-4 Family 8.75 0.5 0 0.0125
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33811 FL LAKELAND PUD 12.8 0.5 0 0.0125
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30052 GA LOGANVILLE Single Family 11.4 0.5 0 0.0125
77047 TX HOUSTON Single Family 9.99 0.5 0 0.0125
74037 OK JENKS PUD 9.99 0.5 0 0.0125
75052 TX GRAND PRAIRIE PUD 9.99 0.5 0 0.0125
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30038 GA LITHONIA Single Family 11.15 0.5 0 0.0125
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18015 PA BETHLEHEM 2-4 Family 11.875 0.5 0 0.0125
18103 PA ALLENTOWN Single Family 11.375 0.5 0 0.0125
17404 PA YORK 2-4 Family 8.75 0.5 0 0.0125
18103 PA ALLENTOWN 2-4 Family 8.625 0.5 0 0.0125
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17315 PA DOVER Single Family 10.99 0.5 0 0.0125
1821 MA BILLERICA Single Family 10.125 0.5 0 0.0125
33905 FL FORT XXXXX PUD 11.05 0.5 0 0.0125
98550 WA HOQUIAM Single Family 9.5 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 11.8 0.5 0 0.0125
33909 FL CAPE CORAL Single Family 10.75 0.5 0 0.0125
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6851 CT NORWALK Condominium 10.9 0.5 0 0.0125
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77708 TX BEAUMONT Single Family 10.15 0.5 0 0.0125
38016 TN XXXXXXX Single Family 8.66 0.5 0 0.0125
30064 GA MARIETTA PUD 11.3 0.5 0 0.0125
20744 MD FORT WASHINGTON Condominium 10.55 0.5 0 0.0125
91306 CA WINNETKA Single Family 9.99 0.5 0 0.0125
32839 FL ORLANDO Single Family 9.49 0.5 0 0.0125
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7106 NJ NEWARK 2-4 Family 11.75 0.5 0 0.0125
7607 NJ MAYWOOD Single Family 11 0.5 0 0.0125
34769 FL SAINT CLOUD PUD 9.75 0.5 0 0.0125
8753 NJ TOMS RIVER Single Family 8.5 0.5 0 0.0125
19446 PA LANSDALE Single Family 8.375 0.5 0 0.0125
19144 PA PHILADELPHIA Single Family 12.75 0.5 0 0.0125
19406 PA KING OF PRUSSIA PUD 9.25 0.5 0 0.0125
19468 PA ROYERSFORD PUD 10.25 0.5 0 0.0125
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1506 MA BROOKFIELD Single Family 11.8 0.5 0 0.0125
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38671 MS SOUTHAVEN PUD 11.05 0.5 0 0.0125
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55379 MN SHAKOPEE Single Family 9.5 0.5 0 0.0125
11946 NY HAMPTON BAYS Single Family 12.3 0.5 0 0.0125
62258 IL MASCOUTAH PUD 12.5 0.5 0 0.0125
48187 MI CANTON Single Family 9.425 0.5 0 0.0125
60425 IL GLENWOOD Single Family 12.05 0.5 0 0.0125
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63020 MO DE XXXX Single Family 10 0.5 0 0.0125
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33013 FL HIALEAH Single Family 9.75 0.5 0 0.0125
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15108 PA CORAOPOLIS Single Family 11.5 0.5 0 0.0125
48438 MI XXXXXXXX Single Family 12.3 0.5 0 0.0125
55443 MN BROOKLYN PARK Single Family 12 0.5 0 0.0125
6260 CT PUTNAM Single Family 10.13 0.5 0 0.0125
32244 FL JACKSONVILLE PUD 12.4 0.5 0 0.0125
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85335 AZ EL MIRAGE PUD 10.99 0.5 0 0.0125
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2910 RI CRANSTON Single Family 11.137 0.5 0 0.0125
30273 GA XXX Single Family 12 0.5 0 0.0125
33193 FL MIAMI PUD 11.4 0.5 0 0.0125
33185 FL MIAMI Single Family 8.75 0.5 0 0.0125
75134 TX LANCASTER Single Family 9.99 0.5 0 0.0125
33054 FL OPA LOCKA Single Family 9.8 0.5 0 0.0125
33033 FL MIAMI Single Family 9.99 0.5 0 0.0125
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11729 NY DEER PARK Single Family 12 0.5 0 0.0125
33137 FL MIAMI Hi-Rise Condo 11.3 0.5 0 0.0125
33032 FL MIAMI PUD 10.125 0.5 0 0.0125
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33157 FL PALMETTO BAY Single Family 12 0.5 0 0.0125
33016 FL HIALEAH Condominium 8.65 0.5 0 0.0125
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34983 FL PORT SAINT LUCI Single Family 10.5 0.5 0 0.0125
63121 MO SAINT LOUIS Single Family 8.25 0.5 0 0.0125
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33428 FL BOCA RATON PUD 11.4 0.5 0 0.0125
48317 MI SHELBY TWP Single Family 9.35 0.5 0 0.0125
33321 FL TAMARAC PUD 9.3 0.5 0 0.0125
1109 MA SPRINGFIELD 2-4 Family 12 0.5 0 0.0125
85207 AZ MESA PUD 9.25 0.5 0 0.0125
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33186 FL MIAMI PUD 13.675 0.5 0 0.0125
49508 MI KENTWOOD Single Family 10.99 0.5 0 0.0125
12550 NY NEWBURGH Single Family 12.25 0.5 0 0.0125
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34981 FL FORT XXXXXX PUD 12.175 0.5 0 0.0125
33409 FL WEST PALM BEACH PUD 9.99 0.5 0 0.0125
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34120 FL NAPLES Single Family 12.425 0.5 0 0.0125
33181 FL NORTH MIAMI Condominium 9 0.5 0 0.0125
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32321 FL BRISTOL Single Family 12.05 0.5 0 0.0125
33470 FL LOXAHATCHEE Single Family 9 0.5 0 0.0125
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33617 FL TAMPA Condominium 13.05 0.5 0 0.0125
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32312 FL TALLAHASSEE PUD 12.55 0.5 0 0.0125
30179 GA TEMPLE PUD 12.8 0.5 0 0.0125
7086 NJ WEEHAWKEN Condominium 9.99 0.5 0 0.0125
48629 MI HOUGHTON LAKE Single Family 11.55 0.5 0 0.0125
34947 FL FORT XXXXXX Single Family 12.4 0.5 0 0.0125
32208 FL JACKSONVILLE Single Family 10.8 0.5 0 0.0125
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12839 NY XXXXXX FALLS 2-4 Family 10.75 0.5 0 0.0125
29045 SC ELGIN Single Family 10.5 0.5 0 0.0125
48507 MI FLINT Single Family 12.55 0.5 0 0.0125
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33024 FL HOLLYWOOD Single Family 10.8 0.5 0 0.0125
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32137 FL PALM COAST Single Family 12.3 0.5 0 0.0125
1844 MA METHUEN Single Family 9.99 0.5 0 0.0125
98404 WA TACOMA Single Family 9 0.5 0 0.0125
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6513 CT EAST HAVEN Single Family 12.3 0.5 0 0.0125
33177 FL MIAMI Single Family 10.65 0.5 0 0.0125
33412 FL WEST PALM BEACH Single Family 9.9 0.5 0 0.0125
64015 MO BLUE SPRINGS Single Family 9.5 0.5 0 0.0125
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33778 FL LARGO Single Family 9.325 0.5 0 0.0125
33172 FL MIAMI Condominium 8.7 0.5 0 0.0125
98404 WA TACOMA Single Family 9.5 0.5 0 0.0125
7001 NJ AVENEL Single Family 12.25 0.5 0 0.0125
34606 FL SPRING HILL Single Family 12.3 0.5 0 0.0125
45239 OH CINCINNATTI Single Family 12 0.5 0 0.0125
30141 GA XXXXX Single Family 11.8 0.5 0 0.0125
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44052 OH LORAIN Single Family 12 0.5 0 0.0125
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33415 FL WEST PALM BEACH Single Family 10.75 0.5 0 0.0125
33603 FL TAMPA Single Family 9.45 0.5 0 0.0125
33196 FL MIAMI Condominium 9.99 0.5 0 0.0125
33054 FL OPA LOCKA Single Family 10.9 0.5 0 0.0125
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33486 FL BOCA RATON Condominium 8.65 0.5 0 0.0125
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33193 FL MIAMI Single Family 9.99 0.5 0 0.0125
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33317 FL FORT LAUDERDALE Single Family 10 0.5 0 0.0125
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32738 FL DELTONA Single Family 10.4 0.5 0 0.0125
8505 NJ BORDENTOWN Single Family 11.75 0.5 0 0.0125
30004 GA ALPHARETTA PUD 9.675 0.5 0 0.0125
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30620 GA BETHLEHEM PUD 10.8 0.5 0 0.0125
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30034 GA DECATUR Single Family 11.175 0.5 0 0.0125
33321 FL TAMARAC Single Family 9.99 0.5 0 0.0125
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33063 FL MARGATE Single Family 11.5 0.5 0 0.0125
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27587 NC WAKE FOREST Single Family 12.5 0.5 0 0.0125
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77050 TX HOUSTON Single Family 9 0.5 0 0.0125
77545 TX FRESNO PUD 12.05 0.5 0 0.0125
33126 FL MIAMI Condominium 9.99 0.5 0 0.0125
34667 FL XXXXXX PUD 8.75 0.5 0 0.0125
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15017 PA BRIDGEVILLE PUD 11.925 0.5 0 0.0125
34120 FL NAPLES Single Family 9.99 0.5 0 0.0125
33319 FL LAUDERDALE LAKE Single Family 10.5 0.5 0 0.0125
30141 GA XXXXX Single Family 10.9 0.5 0 0.0125
1749 MA XXXXXX MASS Condominium 11.75 0.5 0 0.0125
32742 FL DELAND Single Family 8.537 0.5 0 0.0125
33165 FL MIAMI Single Family 9.99 0.5 0 0.0125
20785 MD HYATTSVILLE Single Family 12.05 0.5 0 0.0125
33811 FL LAKELAND Single Family 9.49 0.5 0 0.0125
33010 FL HIALEAH Single Family 10.15 0.5 0 0.0125
21236 MD NOTTINGHAM Single Family 10.5 0.5 0 0.0125
29212 SC COLUMBIA PUD 12.175 0.5 0 0.0125
30135 GA DOUGLASVILLE Single Family 11.25 0.5 0 0.0125
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29072 SC LEXINGTON PUD 12.55 0.5 0 0.0125
89129 NV LAS VEGAS Single Family 8.75 0.5 0 0.0125
30047 GA LILBURN Single Family 9.45 0.5 0 0.0125
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30318 GA ATLANTA Single Family 11.05 0.5 0 0.0125
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33150 FL MIAMI 2-4 Family 9.8 0.5 0 0.0125
18020 PA BETHLEHEM Single Family 12.05 0.5 0 0.0125
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32225 FL JACKSONVILLE PUD 11.05 0.5 0 0.0125
6106 CT HARTFORD 2-4 Family 11.1 0.5 0 0.0125
80249 CO DENVER Condominium 11.9 0.5 0 0.0125
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2907 RI PROVIDENCE Single Family 12 0.5 0 0.0125
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43046 OH MILLERSPORT Single Family 11.05 0.5 0 0.0125
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24077 VA CLOVERDALE Single Family 12 0.5 0 0.0125
11580 NY VALLEY STREAM Single Family 10.727 0.5 0 0.0125
99201 WA SPOKANE Single Family 9.55 0.5 0 0.0125
68516 NE LINCOLN Single Family 9.99 0.5 0 0.0125
44123 OH EUCLID Single Family 10.75 0.5 0 0.0125
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80401 CO GOLDEN Single Family 13.625 0.5 0 0.0125
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98273 WA MOUNT XXXXXX Single Family 8.75 0.5 0 0.0125
84043 UT LEHI Single Family 11.05 0.5 0 0.0125
98208 WA EVERETT PUD 12 0.5 0 0.0125
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99324 WA COLLEGE PLACE Single Family 12 0.5 0 0.0125
33463 FL GREENACRES PUD 8.65 0.5 0 0.0125
80814 CO DIVIDE Single Family 12.05 0.5 0 0.0125
33169 FL MIAMI PUD 9.99 0.5 0 0.0125
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00000 XX XXXXXXX XXX Single Family 12 0.5 0 0.0125
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63010 MO ARNOLD Single Family 8.75 0.5 0 0.0125
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80129 CO LITTLETON PUD 12.05 0.5 0 0.0125
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32225 FL JACKSONVILLE Single Family 10.55 0.5 0 0.0125
80130 CO HIGHLANDS RANCH PUD 11.8 0.5 0 0.0125
6277 CT XXXXXXXX Single Family 10.75 0.5 0 0.0125
30045 GA LAWRENCEVILLE Single Family 11.8 0.5 0 0.0125
80003 CO ARVADA Single Family 11.8 0.5 0 0.0125
33185 FL MIAMI Single Family 9 0.5 0 0.0125
70611 LA LAKE XXXXXXX Single Family 12 0.5 0 0.0125
32825 FL ORLANDO Single Family 9.35 0.5 0 0.0125
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76248 TX FORT WORTH Single Family 9 0.5 0 0.0125
37214 TN NASHVILLE PUD 8.875 0.5 0 0.0125
34479 FL OCALA Single Family 9.5 0.5 0 0.0125
48312 MI STERLING HEIGHT Single Family 10.75 0.5 0 0.0125
37174 TN SPRING HILL PUD 8.625 0.5 0 0.0125
33312 FL FORT LAUDERDALE Single Family 9.35 0.5 0 0.0125
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33014 FL HIALEAH Single Family 9.99 0.5 0 0.0125
30043 GA LAWRENCEVILLE Single Family 11.4 0.5 0 0.0125
71106 LA SHREVEPORT Single Family 10.5 0.5 0 0.0125
32817 FL ORLANDO Single Family 9.99 0.5 0 0.0125
33319 FL LAUDERHILL Condominium 9.35 0.5 0 0.0125
74055 OK OWASSO Single Family 9.99 0.5 0 0.0125
37206 TN NASHVILLE Single Family 8.875 0.5 0 0.0125
33330 FL FORT LAUDERDALE Single Family 11.05 0.5 0 0.0125
32712 FL APOPKA Single Family 9.45 0.5 0 0.0125
37115 TN MADISON Single Family 8.875 0.5 0 0.0125
30038 GA LITHONIA Single Family 9 0.5 0 0.0125
33428 FL BOCA RATON PUD 9.75 0.5 0 0.0125
77339 TX KINGWOOD Single Family 9.99 0.5 0 0.0125
37189 TN WHITES CREEK Single Family 8.625 0.5 0 0.0125
2148 MA MALDEN 2-4 Family 12 0.5 0 0.0125
11691 NY FAR ROCKAWAY Single Family 10.5 0.5 0 0.0125
76012 TX ARLINGTON Single Family 9.99 0.5 0 0.0125
70819 LA BATON ROUGE Single Family 12.05 0.5 0 0.0125
29229 SC COLUMBIA Single Family 9.99 0.5 0 0.0125
33189 FL MIAMI Single Family 8.75 0.5 0 0.0125
73439 OK KINGSTON Single Family 9.99 0.5 0 0.0125
37013 TN ANTIOCH Single Family 8.875 0.5 0 0.0125
7601 NJ HACKENSACK 2-4 Family 10.55 0.5 0 0.0125
93930 CA KING CITY Single Family 9.95 0.5 0 0.0125
64870 MO XXXX CITY Single Family 12.05 0.5 0 0.0125
33065 FL CORAL SPRINGS Condominium 9.99 0.5 0 0.0125
33470 FL LOXAHATCHEE Single Family 9.35 0.5 0 0.0125
70806 LA BATON ROUGE Single Family 11.05 0.5 0 0.0125
48219 MI DETROIT Single Family 12 0.5 0 0.0125
37013 TN ANTIOCH 2-4 Family 8.875 0.5 0 0.0125
33141 FL MIAMI BEACH Condominium 12 0.5 0 0.0125
60617 IL CHICAGO Single Family 10.55 0.5 0 0.0125
37174 TN SPRING HILL PUD 8.875 0.5 0 0.0125
37086 TN LA VERGNE Single Family 8.875 0.5 0 0.0125
71342 LA JENA Single Family 12.55 0.5 0 0.0125
33428 FL BOCA RATON Single Family 9.99 0.5 0 0.0125
44107 OH LAKEWOOD 2-4 Family 8.8 0.5 0 0.0125
37208 TN NASHVILLE Single Family 8.875 0.5 0 0.0125
33016 FL HIALEAH Condominium 9.5 0.5 0 0.0125
33417 FL WEST PALM BEACH Condominium 12 0.5 0 0.0125
38301 TN XXXXXXX Single Family 8.875 0.5 0 0.0125
6457 CT MIDDLETOWN Hi-Rise Condo 11.49 0.5 0 0.0125
37122 TN MOUNT JULIET PUD 8.875 0.5 0 0.0125
30032 GA DECATUR Single Family 9.35 0.5 0 0.0125
33026 FL PEMBROKE PINES PUD 9.99 0.5 0 0.0125
37069 TN FRANKLIN PUD 8.875 0.5 0 0.0125
85901 AZ SHOW LOW PUD 9.99 0.5 0 0.0125
11412 NY SAINT ALBANS Single Family 10.75 0.5 0 0.0125
70805 LA BATON ROUGE Single Family 12.55 0.5 0 0.0125
64014 MO BLUE SPRINGS Single Family 9.99 0.5 0 0.0125
30045 GA LAWRENCEVILLE Single Family 12 0.5 0 0.0125
78640 TX XXXX PUD 13.05 0.5 0 0.0125
92407 CA SAN BERNARDINO Single Family 10.5 0.5 0 0.0125
78046 TX LAREDO PUD 9.875 0.5 0 0.0125
78108 TX CIBOLO PUD 9.875 0.5 0 0.0125
44143 OH RICHMOND HEIGHT Single Family 8.65 0.5 0 0.0125
77377 TX TOMBALL Single Family 9.8 0.5 0 0.0125
94564 CA PINOLE Single Family 9 0.5 0 0.0125
68104 NE OMAHA Single Family 12.5 0.5 0 0.0125
44094 OH WILLOUGHBY Single Family 10.99 0.5 0 0.0125
60426 IL XXXXXX Single Family 12.55 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 12.35 0.5 0 0.0125
44129 OH PARMA Single Family 12 0.5 0 0.0125
30092 GA NORCROSS Single Family 9.9 0.5 0 0.0125
73099 OK YUKON Single Family 12.55 0.5 0 0.0125
2907 RI PROVIDENCE 2-4 Family 9.99 0.5 0 0.0125
33196 FL MIAMI Single Family 9 0.5 0 0.0125
80603 CO BRIGHTON Single Family 11.175 0.5 0 0.0125
31907 GA COLUMBUS Single Family 9.35 0.5 0 0.0125
33460 FL LAKE WORTH Single Family 9.35 0.5 0 0.0125
79416 TX LUBBOCK Single Family 13.675 0.5 0 0.0125
77449 TX KATY Single Family 11.3 0.5 0 0.0125
30043 GA LAWRENCEVILLE Single Family 9.35 0.5 0 0.0125
77072 TX HOUSTON PUD 9.875 0.5 0 0.0125
7863 NJ OXFORD Single Family 10.75 0.5 0 0.0125
78213 TX SAN ANTONIO Single Family 12.3 0.5 0 0.0125
75023 TX PLANO Single Family 9.99 0.5 0 0.0125
92551 CA XXXXXX VALLEY Single Family 9.99 0.5 0 0.0125
79416 TX LUBBOCK Single Family 10.5 0.5 0 0.0125
78230 TX SAN ANTONIO Single Family 12.05 0.5 0 0.0125
28164 NC XXXXXXX Single Family 8.75 0.5 0 0.0125
33323 FL SUNRISE Single Family 8.85 0.5 0 0.0125
73115 OK DEL CITY Single Family 12.05 0.5 0 0.0125
6608 CT BRIDGEPORT Single Family 10.5 0.5 0 0.0125
75149 TX MESQUITE Single Family 9.99 0.5 0 0.0125
74012 OK BROKEN ARROW Single Family 12.05 0.5 0 0.0125
90044 CA LOS ANGELES 2-4 Family 9.99 0.5 0 0.0125
92880 CA CORONA Single Family 9.9 0.5 0 0.0125
75146 TX LANCASTER PUD 12.05 0.5 0 0.0125
75604 TX LONGVIEW Single Family 9.99 0.5 0 0.0125
33065 FL CORAL SPRINGS Condominium 9.25 0.5 0 0.0125
78227 TX SAN ANTONIO PUD 11.3 0.5 0 0.0125
74129 OK TULSA Single Family 9.35 0.5 0 0.0125
77532 TX XXXXXX Single Family 11.55 0.5 0 0.0125
73130 OK MIDWEST CITY Single Family 11.05 0.5 0 0.0125
78130 TX NEW BRAUNFELS Single Family 12.05 0.5 0 0.0125
55398 MN XXXXXXXXX Single Family 9.35 0.5 0 0.0125
77084 TX HOUSTON PUD 9.875 0.5 0 0.0125
53578 WI PRAIRIE DU SAC Single Family 10.925 0.5 0 0.0125
33073 FL COCONUT CREEK PUD 9.5 0.5 0 0.0125
75134 TX LANCASTER PUD 11.55 0.5 0 0.0125
33068 FL POMPANO BEACH Single Family 9.99 0.5 0 0.0125
75050 TX GRAND PRAIRIE Single Family 13.675 0.5 0 0.0125
32224 FL JACKSONVILLE PUD 11.975 0.5 0 0.0125
32034 FL FERNANDINA BEACH PUD 11 0.5 0 0.0125
33319 FL TAMARAC Single Family 10.5 0.5 0 0.0125
31535 GA XXXXXXX Single Family 13.625 0.5 0 0.0125
8048 NJ LUMBERTON Condominium 11.375 0.5 0 0.0125
8108 NJ COLLINGSWOOD Single Family 9.75 0.5 0 0.0125
8226 NJ OCEAN CITY 2-4 Family 8.25 0.5 0 0.0125
8007 NJ BARRINGTON Single Family 12.375 0.5 0 0.0125
19002 PA AMBLER Single Family 11.25 0.5 0 0.0125
8203 NJ BRIGANTINE 2-4 Family 12 0.5 0 0.0125
30331 GA ATLANTA Single Family 12.125 0.5 0 0.0125
18324 PA BUSHKILL Single Family 14 0.5 0 0.0125
8201 NJ ABSECON 2-4 Family 9.375 0.5 0 0.0125
8406 NJ VENTNOR 2-4 Family 8.125 0.5 0 0.0125
8069 NJ PENNS GROVE 2-4 Family 9.875 0.5 0 0.0125
7504 NJ PATERSON 2-4 Family 12.875 0.5 0 0.0125
19720 DE NEW CASTLE Single Family 12.75 0.5 0 0.0125
32712 FL APOPKA PUD 10 0.5 0 0.0125
7522 NJ PATERSON 2-4 Family 13.375 0.5 0 0.0125
76031 TX CLEBURNE Single Family 11.35 0.5 0 0.0125
32825 FL ORLANDO Single Family 9.75 0.5 0 0.0125
32738 FL DELTONA Single Family 8.25 0.5 0 0.0125
85041 AZ PHOENIX Single Family 9.15 0.5 0 0.0125
19082 PA UPPER XXXXX Single Family 10.75 0.5 0 0.0125
77459 TX MISSOURI CITY PUD 9.99 0.5 0 0.0125
19805 DE WILMINGTON Single Family 12.3 0.5 0 0.0125
33711 FL SAINT PETERSBUR Single Family 9.78 0.5 0 0.0125
98055 WA RENTON Single Family 9.99 0.5 0 0.0125
1880 MA WAKEFIELD 2-4 Family 10.05 0.5 0 0.0125
19146 PA PHILADELPHIA Single Family 12.5 0.5 0 0.0125
8104 NJ CAMDEN 2-4 Family 12.625 0.5 0 0.0125
21230 MD COCKEYSVILLE Single Family 12.125 0.5 0 0.0125
8721 NJ BAYVILLE Single Family 8.875 0.5 0 0.0125
8873 NJ SOMERSET Single Family 8.75 0.5 0 0.0125
8087 NJ LITTLE EGG HARB Single Family 8.25 0.5 0 0.0125
8234 NJ EGG HARBOR TWP Single Family 7.75 0.5 0 0.0125
17025 PA ENOLA Single Family 12 0.5 0 0.0125
77459 TX MISSOURI CITY Single Family 9.99 0.5 0 0.0125
7730 NJ HAZLET Single Family 12.5 0.5 0 0.0125
8081 NJ SICKLERVILLE Single Family 10.875 0.5 0 0.0125
93550 CA PALMDALE Single Family 9.5 0.5 0 0.0125
29579 SC MYRTLE BEACH PUD 11.15 0.5 0 0.0125
75132 TX FATE Single Family 9.99 0.5 0 0.0125
33025 FL PEMBROKE PINES Single Family 11.4 0.5 0 0.0125
76179 TX FORT WORTH Single Family 9.99 0.5 0 0.0125
30093 GA NORCROSS Single Family 12.8 0.5 0 0.0125
75166 TX XXXXX Single Family 9.99 0.5 0 0.0125
74429 OK COWETA Single Family 9.35 0.5 0 0.0125
30310 GA ATLANTA Single Family 11.05 0.5 0 0.0125
34952 FL PORT SAINT LUCI Single Family 11.8 0.5 0 0.0125
6710 CT WATERBURY Single Family 10.5 0.5 0 0.0125
55406 MN MINNEAPOLIS Single Family 8.99 0.5 0 0.0125
92881 CA CORONA Single Family 11.8 0.5 0 0.0125
30666 GA STATHAM Single Family 11.8 0.5 0 0.0125
75070 TX MC XXXXXX Single Family 9.99 0.5 0 0.0125
33177 FL MIAMI Single Family 10.9 0.5 0 0.0125
28215 NC CHARLOTTE Single Family 12 0.5 0 0.0125
92553 CA XXXXXX VALLEY Single Family 9.35 0.5 0 0.0125
77304 TX CONROE Single Family 9.99 0.5 0 0.0125
76116 TX FORT WORTH Single Family 9 0.5 0 0.0125
19074 PA XXXXXXX Single Family 9.99 0.5 0 0.0125
8520 NJ EAST WINDSOR Single Family 12 0.5 0 0.0125
95815 CA SACRAMENTO Single Family 8.65 0.5 0 0.0125
93638 CA MADERA Single Family 11 0.5 0 0.0125
98126 WA SEATTLE Single Family 9.99 0.5 0 0.0125
91765 CA DIAMOND BAR Single Family 8.85 0.5 0 0.0125
32312 FL TALLAHASSEE Single Family 8.75 0.5 0 0.0125
92804 CA ANAHEIM Single Family 10.65 0.5 0 0.0125
32208 FL JACKSONVILLE Single Family 9.35 0.5 0 0.0125
33461 FL PALM SPRINGS PUD 12 0.5 0 0.0125
75013 TX XXXXX Single Family 9.99 0.5 0 0.0125
30078 GA SNELLVILLE PUD 11.25 0.5 0 0.0125
6902 CT STAMFORD Single Family 10.9 0.5 0 0.0125
11516 NY CEDARHURST Condominium 11.85 0.5 0 0.0125
28174 NC WINGATE PUD 11.05 0.5 0 0.0125
98312 WA BREMERTON Single Family 9.35 0.5 0 0.0125
30228 GA HAMPTON Single Family 13.675 0.5 0 0.0125
6705 CT WATERBURY Single Family 12 0.5 0 0.0125
77581 TX PEARLAND Single Family 9.45 0.5 0 0.0125
33166 FL DORAL Condominium 10.79 0.5 0 0.0125
31206 GA MACON Single Family 12 0.5 0 0.0125
84128 UT WEST VALLEY CIT Single Family 11 0.5 0 0.0125
34655 FL NEW PORT XXXXXX Single Family 9.43 0.5 0 0.0125
98168 WA SEATAC Single Family 11.3 0.5 0 0.0125
20603 MD WALDORF PUD 12.55 0.5 0 0.0125
8065 NJ PALMYRA Single Family 10.875 0.5 0 0.0125
97266 OR PORTLAND Single Family 12.3 0.5 0 0.0125
36867 XX XXXXXX CITY Single Family 11.05 0.5 0 0.0125
76266 TX SANGER Single Family 9.99 0.5 0 0.0125
35803 AL HUNTSVILLE Single Family 9.55 0.5 0 0.0125
33055 FL OPA LOCKA Single Family 9.8 0.5 0 0.0125
35630 AL FLORENCE PUD 10.55 0.5 0 0.0125
11793 NY WANTAGH Single Family 9.5 0.5 0 0.0125
18045 PA EASTON Single Family 10.5 0.5 0 0.0125
63136 MO XXXXXXXX Single Family 9.99 0.5 0 0.0125
30168 GA AUSTELL Single Family 12.05 0.5 0 0.0125
27052 NC WALNUT COVE Single Family 11.3 0.5 0 0.0125
7055 NJ PASSAIC Single Family 10.75 0.5 0 0.0125
35603 AL DECATUR Single Family 10.55 0.5 0 0.0125
33324 FL PLANTATION Condominium 11.65 0.5 0 0.0125
76248 TX FORT WORTH Single Family 9.99 0.5 0 0.0125
92020 CA EL CAJON Condominium 9.5 0.5 0 0.0125
33024 FL DAVIE Condominium 9 0.5 0 0.0125
31216 GA MACON Single Family 12.175 0.5 0 0.0125
19720 DE NEW CASTLE Single Family 10.95 0.5 0 0.0125
33326 FL WESTON Condominium 9 0.5 0 0.0125
34741 FL KISSIMMEE PUD 12.05 0.5 0 0.0125
33180 FL MIAMI Hi-Rise Condo 9.35 0.5 0 0.0125
35071 AL GARDENDALE Single Family 12.05 0.5 0 0.0125
33323 FL SUNRISE Single Family 10.75 0.5 0 0.0125
33068 FL NORTH LAUDERDAL Single Family 9.25 0.5 0 0.0125
30045 GA LAWRENCEVILLE PUD 11.55 0.5 0 0.0125
33993 FL CAPE CORAL Single Family 9.35 0.5 0 0.0125
30013 GA XXXXXXX Single Family 10.3 0.5 0 0.0125
16125 PA GREENVILLE Single Family 10.5 0.5 0 0.0125
6239 CT XXXXXXXXX Single Family 9.35 0.5 0 0.0125
33068 FL NORTH LAUDERDAL Single Family 9.99 0.5 0 0.0125
28754 NC MARS HILL PUD 11.55 0.5 0 0.0125
33160 FL AVENTURA Hi-Rise Condo 9.99 0.5 0 0.0125
53074 WI PORT WASHINGTON Condominium 8.65 0.5 0 0.0125
46229 IN INDIANAPOLIS PUD 11.05 0.5 0 0.0125
30815 GA HEPHZIBAH Single Family 9.99 0.5 0 0.0125
36870 XX XXXXXX CITY Single Family 13.05 0.5 0 0.0125
33185 FL MIAMI Single Family 9.99 0.5 0 0.0125
29579 SC MYRTLE BEACH Single Family 10.75 0.5 0 0.0125
33905 FL FORT XXXXX PUD 12.3 0.5 0 0.0125
20906 MD SILVER SPRING Condominium 11.25 0.5 0 0.0125
30135 GA DOUGLASVILLE PUD 11.5 0.5 0 0.0125
33033 FL HOMESTEAD PUD 12 0.5 0 0.0125
10303 NY STATEN ISLAND Condominium 9.4 0.5 0 0.0125
48473 MI XXXXXX CREEK Single Family 11.05 0.5 0 0.0125
87121 NM ALBUQUERQUE PUD 11.5 0.5 0 0.0125
7643 NJ LITTLE FERRY 2-4 Family 10.99 0.5 0 0.0125
30168 GA AUSTELL Single Family 9.75 0.5 0 0.0125
92543 CA HEMET Single Family 11.75 0.5 0 0.0125
7508 NJ PROSPECT PARK Single Family 11.25 0.5 0 0.0125
37338 TN GRAYSVILLE Single Family 8.625 0.5 0 0.0125
34947 FL FORT XXXXXX Single Family 8.65 0.5 0 0.0125
77511 TX ALVIN Single Family 9 0.5 0 0.0125
30241 GA LAGRANGE Single Family 10.8 0.5 0 0.0125
33066 FL COCONUT CREEK Single Family 9.99 0.5 0 0.0125
34119 FL NAPLES Condominium 12 0.5 0 0.0125
23462 VA VIRGINIA BEACH Single Family 12.05 0.5 0 0.0125
55107 MN SAINT XXXX Single Family 9.99 0.5 0 0.0125
8081 NJ SICKLERVILLE Single Family 10.55 0.5 0 0.0125
34771 FL SAINT CLOUD Single Family 11.4 0.5 0 0.0125
93535 CA LANCASTER Single Family 11.15 0.5 0 0.0125
48167 MI NORTHVILLE Single Family 12.425 0.5 0 0.0125
30144 GA KENNESAW Single Family 12 0.5 0 0.0125
30705 GA CHATSWORTH Single Family 10.05 0.5 0 0.0125
30045 GA LAWRENCEVILLE Single Family 12 0.5 0 0.0125
30622 GA BOGART Single Family 10.75 0.5 0 0.0125
32835 FL ORLANDO Single Family 10.725 0.5 0 0.0125
33330 FL XXXXXX CITY PUD 8.5 0.5 0 0.0125
29114 SC OLANTA Single Family 10.5 0.5 0 0.0125
33319 FL TAMARAC PUD 9.35 0.5 0 0.0125
30121 GA CARTERSVILLE Single Family 13.625 0.5 0 0.0125
98604 WA BATTLE GROUND Single Family 8.537 0.5 0 0.0125
32244 FL JACKSONVILLE Single Family 10.5 0.5 0 0.0125
33186 FL MIAMI UNINCORP Single Family 8.65 0.5 0 0.0125
30045 GA LAWRENCEVILLE PUD 13.675 0.5 0 0.0125
93312 CA BAKERSFIELD Single Family 9.65 0.5 0 0.0125
33167 FL MIAMI 2-4 Family 8.65 0.5 0 0.0125
33417 FL WEST PALM BEACH Condominium 13.55 0.5 0 0.0125
30213 GA FAIRBURN Single Family 11.3 0.5 0 0.0125
32837 FL ORLANDO PUD 9.35 0.5 0 0.0125
38115 TN MEMPHIS Single Family 8.23 0.5 0 0.0125
7304 NJ JERSEY CITY 2-4 Family 9.99 0.5 0 0.0125
30060 GA MARIETTA 2-4 Family 10.05 0.5 0 0.0125
45014 OH FAIRFIELD Single Family 9.99 0.5 0 0.0125
33063 FL MARGATE Condominium 8.65 0.5 0 0.0125
30082 GA SMYRNA Condominium 10.8 0.5 0 0.0125
33020 FL HOLLYWOOD Single Family 8.99 0.5 0 0.0125
30034 GA DECATUR Single Family 12.55 0.5 0 0.0125
93532 CA LAKE XXXXXX Single Family 11.99 0.5 0 0.0125
38301 TN XXXXXXX Single Family 8.875 0.5 0 0.0125
97013 OR SALEM 2-4 Family 12.99 0.5 0 0.0125
30236 GA JONESBORO Single Family 11.55 0.5 0 0.0125
30016 GA XXXXXXXXX Single Family 13.925 0.5 0 0.0125
30635 GA ELBERTON Single Family 10.55 0.5 0 0.0125
33155 FL MIAMI Single Family 8.65 0.5 0 0.0125
32092 FL ST AUGUSTINE PUD 12.05 0.5 0 0.0125
32805 FL ORLANDO 2-4 Family 10.75 0.5 0 0.0125
37362 TN OLDFORT Single Family 8.875 0.5 0 0.0125
30016 GA XXXXXXXXX Single Family 12.55 0.5 0 0.0125
32825 FL ORLANDO PUD 12.55 0.5 0 0.0125
33142 FL MIAMI Single Family 9.99 0.5 0 0.0125
30045 GA LAWRENCEVILLE PUD 10.05 0.5 0 0.0125
30680 GA WINDER Single Family 9.55 0.5 0 0.0125
2909 RI PROVIDENCE 2-4 Family 10.5 0.5 0 0.0125
77089 TX HOUSTON PUD 10 0.5 0 0.0125
30016 GA XXXXXXXXX PUD 12.55 0.5 0 0.0125
30337 GA ATLANTA Single Family 10.3 0.5 0 0.0125
30045 GA LAWRENCEVILLE Single Family 11.55 0.5 0 0.0125
32327 FL CRAWFORDVILLE Single Family 12 0.5 0 0.0125
30311 GA ATLANTA Condominium 11.55 0.5 0 0.0125
93041 CA PORT HUENEME Condominium 11.5 0.5 0 0.0125
30052 GA LOGANVILLE PUD 11.925 0.5 0 0.0125
30294 GA ELLENWOOD Single Family 12.55 0.5 0 0.0125
36551 XX XXXXXX Single Family 12.55 0.5 0 0.0125
33781 FL PINELLAS PARK Single Family 10.875 0.5 0 0.0125
30620 GA BETHLEHEM PUD 12.175 0.5 0 0.0125
30144 GA KENNESAW Single Family 12.05 0.5 0 0.0125
2919 RI JOHNSTON 2-4 Family 9.35 0.5 0 0.0125
2863 RI CENTRAL FALLS Condominium 12 0.5 0 0.0125
2905 RI PROVIDENCE Single Family 9.94 0.5 0 0.0125
85037 AZ PHOENIX Single Family 10.75 0.5 0 0.0125
32254 FL JACKSONVILLE Single Family 11.75 0.5 0 0.0125
7203 NJ ROSELLEBOROUGH Single Family 12 0.5 0 0.0125
33186 FL MIAMI UNICORP Single Family 9.99 0.5 0 0.0125
7724 NJ EATONTOWN Single Family 11.1 0.5 0 0.0125
96740 HI KAILUA-KONA Single Family 10.75 0.5 0 0.0125
64152 MO KANSAS CITY Single Family 7.99 0.5 0 0.0125
32086 FL SAINT AUGUSTINE Single Family 10.95 0.5 0 0.0125
96732 HI KAHULUI Single Family 10.99 0.5 0 0.0125
2919 RI JOHNSTON Condominium 9.99 0.5 0 0.0125
30253 GA MCDONOUGH Single Family 10.15 0.5 0 0.0125
96792 HI WAIANAE Single Family 11.99 0.5 0 0.0125
92220 CA BANNING Single Family 8.65 0.5 0 0.0125
77357 TX NEW CANEY Single Family 9.99 0.5 0 0.0125
92503 CA RIVERSIDE Single Family 11.99 0.5 0 0.0125
92335 CA FONTANA Single Family 9.75 0.5 0 0.0125
1902 MA LYNN 2-4 Family 11.3 0.5 0 0.0125
91752 CA MIRA LOMA Single Family 11.99 0.5 0 0.0125
44130 OH PARMA Single Family 12 0.5 0 0.0125
95991 CA YUBA CITY Single Family 11.5 0.5 0 0.0125
85364 AZ YUMA Single Family 10.99 0.5 0 0.0125
33435 FL BOYNTON BEACH Single Family 10.9 0.5 0 0.0125
33069 FL POMPANO BEACH Hi-Rise Condo 9.25 0.5 0 0.0125
94555 CA FREMONT Single Family 11.99 0.5 0 0.0125
74104 OK TULSA Single Family 9.99 0.5 0 0.0125
20602 MD WALDORF Single Family 9.43 0.5 0 0.0125
85035 AZ PHOENIX Single Family 10.9 0.5 0 0.0125
33012 FL HIALEAH Condominium 10.5 0.5 0 0.0125
89031 NV NORTH LAS VEGAS Single Family 10.6 0.5 0 0.0125
89117 NV LAS VEGAS Single Family 12.375 0.5 0 0.0125
90814 CA LONG BEACH Condominium 12.5 0.5 0 0.0125
11096 NY INWOOD 2-4 Family 9.35 0.5 0 0.0125
89110 NV LAS VEGAS Single Family 13.5 0.5 0 0.0125
64114 MO KANSAS CITY Single Family 8.75 0.5 0 0.0125
33155 FL MIAMI Condominium 9.45 0.5 0 0.0125
30012 GA XXXXXXX Single Family 12 0.5 0 0.0125
16801 PA STATE COLLEGE PUD 11.3 0.5 0 0.0125
89081 NV NORTH LAS VEGAS PUD 9.125 0.5 0 0.0125
33313 FL LAUDERHILL Condominium 9.75 0.5 0 0.0125
89052 NV XXXXXXXXX PUD 12.5 0.5 0 0.0125
33936 FL LEHIGH ACRES Single Family 11.3 0.5 0 0.0125
34691 FL HOLIDAY Single Family 10.5 0.5 0 0.0125
89123 NV LAS VEGAS PUD 13.25 0.5 0 0.0125
89110 NV LAS VEGAS Single Family 8.99 0.5 0 0.0125
53017 WI COLGATE Single Family 9.75 0.5 0 0.0125
91351 CA CANYON COUNTRY Condominium 11.25 0.5 0 0.0125
33190 FL MIAMI Single Family 9 0.5 0 0.0125
74044 OK MANNFORD Single Family 9.99 0.5 0 0.0125
90805 CA LONG BEACH Condominium 7.5 0.5 0 0.0125
77088 TX HOUSTON Single Family 9.99 0.5 0 0.0125
7036 NJ LINDEN Single Family 9.99 0.5 0 0.0125
89107 NV LAS VEGAS Single Family 13.5 0.5 0 0.0125
34608 FL SPRING HILL Single Family 9.99 0.5 0 0.0125
33073 FL COCONUT CREEK PUD 11.55 0.5 0 0.0125
45011 OH XXXXXXXX Single Family 12 0.5 0 0.0125
20748 MD TEMPLE HILLS Single Family 9.5 0.5 0 0.0125
92563 CA MURRIETA Single Family 11.03 0.5 0 0.0125
89118 NV LAS VEGAS Single Family 10.375 0.5 0 0.0125
33463 FL GREENACRES PUD 9.99 0.5 0 0.0125
89149 NV LAS VEGAS PUD 10.875 0.5 0 0.0125
75181 TX MESQUITE Single Family 9.99 0.5 0 0.0125
78045 TX LAREDO Single Family 9.99 0.5 0 0.0125
85383 AZ PEORIA PUD 10.875 0.5 0 0.0125
90047 CA LOS ANGELES Single Family 8.65 0.5 0 0.0125
92392 CA VICTORVILLE Single Family 9 0.5 0 0.0125
30075 GA ROSWELL Condominium 12.3 0.5 0 0.0125
89104 NV LAS VEGAS Single Family 10.625 0.5 0 0.0125
98465 WA TACOMA Single Family 11 0.5 0 0.0125
00000 XX XXXXXXXXXX Single Family 9.51 0.5 0 0.0125
48912 MI LANSING Single Family 10.625 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 13.25 0.5 0 0.0125
85243 AZ QUEEN CREEK PUD 10.75 0.5 0 0.0125
90601 CA WHITTIER 2-4 Family 8.6 0.5 0 0.0125
35661 AL MUSCLE SHOALS Single Family 12.5 0.5 0 0.0125
89144 NV LAS VEGAS PUD 9.875 0.5 0 0.0125
89110 NV LAS VEGAS Single Family 8 0.5 0 0.0125
30331 GA ATLANTA Single Family 9.99 0.5 0 0.0125
30094 GA XXXXXXX Single Family 11.8 0.5 0 0.0125
92571 CA PERRIS Single Family 11.49 0.5 0 0.0125
89015 NV XXXXXXXXX Single Family 9.85 0.5 0 0.0125
30024 GA SUWANEE Single Family 12.925 0.5 0 0.0125
95630 CA FOLSOM PUD 8.375 0.5 0 0.0125
30327 GA ATLANTA Condominium 12.3 0.5 0 0.0125
80120 CO LITTLETON Single Family 12.55 0.5 0 0.0125
33016 FL HIALEAH Condominium 10.65 0.5 0 0.0125
30025 GA SOCIAL CIRCLE Single Family 11.5 0.5 0 0.0125
33029 FL PEMBROKE PINES PUD 9 0.5 0 0.0125
33015 FL MIAMI Single Family 9.8 0.5 0 0.0125
6360 CT NORWICH Single Family 10.35 0.5 0 0.0125
36106 XX XXXXXXXXXX Single Family 10.925 0.5 0 0.0125
10304 NY STATEN ISLAND Single Family 9.25 0.5 0 0.0125
34744 FL KISSIMMEE PUD 9.99 0.5 0 0.0125
35216 AL BIRMINGHAM Single Family 12 0.5 0 0.0125
33064 FL POMPANO BEACH Condominium 9.2 0.5 0 0.0125
48036 MI CLINTON TOWNSHI Single Family 8.5 0.5 0 0.0125
30238 GA JONESBORO Single Family 12 0.5 0 0.0125
33172 FL MIAMI Condominium 9.45 0.5 0 0.0125
91786 CA UPLAND Single Family 11 0.5 0 0.0125
33023 FL HOLLYWOOD Single Family 9.99 0.5 0 0.0125
33990 FL CAPE CORAL Single Family 11.3 0.5 0 0.0125
33177 FL MIAMI Single Family 8.65 0.5 0 0.0125
27405 NC GREENSBORO Single Family 10.05 0.5 0 0.0125
33147 FL MIAMI Single Family 8.65 0.5 0 0.0125
30076 GA ROSWELL Single Family 10.8 0.5 0 0.0125
91911 CA CHULA VISTA Single Family 10.75 0.5 0 0.0125
48602 MI SAGINAW Single Family 12 0.5 0 0.0125
11763 NY MEDFORD Single Family 10.13 0.5 0 0.0125
36110 XX XXXXXXXXXX Single Family 12.125 0.5 0 0.0125
48195 MI SOUTHGATE Single Family 12 0.5 0 0.0125
75034 TX FRISCO Single Family 9.99 0.5 0 0.0125
30233 GA XXXXXXX Single Family 13 0.5 0 0.0125
10306 NY STATEN ISLAND Single Family 9.5 0.5 0 0.0125
33033 FL HOMESTEAD Single Family 9.55 0.5 0 0.0125
31909 GA COLUMBUS PUD 12.5 0.5 0 0.0125
33317 FL PLANTATION Condominium 10.5 0.5 0 0.0125
35601 AL DECATUR Single Family 10.25 0.5 0 0.0125
33403 FL PALM BEACH GARD PUD 9.99 0.5 0 0.0125
33445 FL DELRAY BEACH Condominium 11.5 0.5 0 0.0125
89149 NV LAS VEGAS PUD 12.5 0.5 0 0.0125
33351 FL SUNRISE Single Family 8.65 0.5 0 0.0125
31602 GA VALDOSTA Single Family 12.3 0.5 0 0.0125
92115 CA SAN DIEGO Single Family 13.5 0.5 0 0.0125
62002 IL XXXXX Single Family 9.8 0.5 0 0.0125
94044 CA PACIFICA Single Family 11.875 0.5 0 0.0125
30127 GA POWDER SPRINGS Single Family 11.3 0.5 0 0.0125
55413 MN MINNEAPOLIS 2-4 Family 10.45 0.5 0 0.0125
94545 CA HAYWARD PUD 9.875 0.5 0 0.0125
29909 SC BLUFFTON Single Family 9.99 0.5 0 0.0125
94534 CA FAIRFIELD PUD 12.125 0.5 0 0.0125
11572 NY OCEANSIDE Single Family 9.5 0.5 0 0.0125
20706 MD XXXXXX Single Family 11.29 0.5 0 0.0125
95207 CA STOCKTON PUD 11.125 0.5 0 0.0125
33025 FL MIRAMAR Hi-Rise Condo 9.45 0.5 0 0.0125
27203 NC ASHEBORO Single Family 12 0.5 0 0.0125
87123 NM ALBUQUERQUE 2-4 Family 13.5 0.5 0 0.0125
11426 NY BELLEROSE Single Family 12 0.5 0 0.0125
93535 CA LANCASTER Single Family 8.75 0.5 0 0.0125
74003 OK BARTLESVILLE Single Family 9 0.5 0 0.0125
7062 NJ PLAINFIELD Single Family 12 0.5 0 0.0125
8096 NJ WOODBURY Single Family 9.45 0.5 0 0.0125
89178 NV LAS VEGAS PUD 12.375 0.5 0 0.0125
10309 NY STATEN ISLAND Single Family 12.3 0.5 0 0.0125
89149 NV LAS VEGAS PUD 13.5 0.5 0 0.0125
33193 FL MIAMI Hi-Rise Condo 8.75 0.5 0 0.0125
90807 CA LONG BEACH Single Family 10 0.5 0 0.0125
89122 NV LAS VEGAS PUD 11.75 0.5 0 0.0125
97301 OR SALEM Single Family 11 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 13.5 0.5 0 0.0125
92345 CA HESPERIA Single Family 8.75 0.5 0 0.0125
95363 CA XXXXXXXXX Single Family 10.75 0.5 0 0.0125
89131 NV LAS VEGAS PUD 13.25 0.5 0 0.0125
89030 NV NORTH LAS VEGAS Single Family 10.6 0.5 0 0.0125
89015 NV HENDERSON PUD 9.5 0.5 0 0.0125
21017 MD BELCAMP PUD 9.35 0.5 0 0.0125
89139 NV LAS VEGAS PUD 10.75 0.5 0 0.0125
75070 TX XXXXXXXX PUD 9.99 0.5 0 0.0125
89131 NV LAS VEGAS PUD 13.375 0.5 0 0.0125
89084 NV NORTH LAS VEGAS PUD 13.375 0.5 0 0.0125
33178 FL DORAL PUD 9.99 0.5 0 0.0125
64130 MO KANSAS CITY Single Family 10.25 0.5 0 0.0125
91724 CA COVINA Condominium 9 0.5 0 0.0125
75056 TX LEWISVILLE PUD 8.125 0.5 0 0.0125
92377 CA RIALTO Single Family 11.5 0.5 0 0.0125
89115 NV LAS VEGAS PUD 13 0.5 0 0.0125
33167 FL MIAMI Single Family 9.99 0.5 0 0.0125
89115 NV LAS VEGAS Single Family 9.875 0.5 0 0.0125
83401 ID IDAHO FALLS Single Family 10.05 0.5 0 0.0125
90601 CA WHITTIER 2-4 Family 13.5 0.5 0 0.0125
80922 CO COLORADO SPRING Single Family 12 0.5 0 0.0125
89147 NV LAS VEGAS Single Family 8.875 0.5 0 0.0125
89030 NV NORTH LAS VEGAS 2-4 Family 10.875 0.5 0 0.0125
55107 MN SAINT XXXX Single Family 9.99 0.5 0 0.0125
75034 TX FRISCO PUD 10.5 0.5 0 0.0125
55401 MN MINNEAPOLIS Hi-Rise Condo 9.99 0.5 0 0.0125
89120 NV LAS VEGAS Single Family 13.25 0.5 0 0.0125
33187 FL MIAMI Single Family 9.99 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 9.5 0.5 0 0.0125
34772 FL SAINT CLOUD PUD 10.75 0.5 0 0.0125
98282 WA CAMANO ISLAND Single Family 10.125 0.5 0 0.0125
20175 VA LEESBURG PUD 10.625 0.5 0 0.0125
64083 MO RAYMORE PUD 6.5 0.5 0 0.0125
33055 FL XXXXX CITY PUD 8.65 0.5 0 0.0125
85029 AZ PHOENIX Single Family 9.875 0.5 0 0.0125
33160 FL SUNNY ISLES Hi-Rise Condo 12.8 0.5 0 0.0125
85306 AZ GLENDALE Single Family 9.875 0.5 0 0.0125
7206 NJ XXXXXXXXX 2-4 Family 9.99 0.5 0 0.0125
85379 AZ SURPRISE PUD 13.375 0.5 0 0.0125
74021 OK COLLINSVILLE PUD 9.99 0.5 0 0.0125
90032 CA LOS ANGELES Single Family 11.85 0.5 0 0.0125
89115 NV NORTH LAS VEGAS PUD 11.875 0.5 0 0.0125
33193 FL MIAMI Hi-Rise Condo 9.35 0.5 0 0.0125
89115 NV LAS VEGAS PUD 12.875 0.5 0 0.0125
94558 CA NAPA Single Family 8.5 0.5 0 0.0125
94403 CA SAN MATEO Single Family 11.5 0.5 0 0.0125
89015 NV XXXXXXXXX Single Family 11.75 0.5 0 0.0125
94533 CA FAIRFIELD Single Family 9.99 0.5 0 0.0125
98053 WA REDMOND Single Family 9.125 0.5 0 0.0125
89146 NV LAS VEGAS Single Family 9.625 0.5 0 0.0125
94507 CA ALAMO PUD 10.75 0.5 0 0.0125
98059 WA RENTON Single Family 10.35 0.5 0 0.0125
86336 AZ SEDONA PUD 11.875 0.5 0 0.0125
34759 FL POINCIANA PUD 11.355 0.5 0 0.0125
34711 FL CLERMONT PUD 13.99 0.5 0 0.0125
33612 FL TAMPA Single Family 12.5 0.5 0 0.0125
89123 NV LAS VEGAS Single Family 12.99 0.5 0 0.0125
89149 NV LAS VEGAS PUD 7.625 0.5 0 0.0125
95831 CA SACRAMENTO PUD 12.5 0.5 0 0.0125
89156 NV LAS VEGAS Townhouse 10.375 0.5 0 0.0125
95687 CA VACAVILLE Single Family 10.25 0.5 0 0.0125
95630 CA FOLSOM Single Family 8.5 0.5 0 0.0125
85329 AZ XXXXXXX Single Family 13.5 0.5 0 0.0125
89118 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
95821 CA SACRAMENTO 2-4 Family 14.875 0.5 0 0.0125
89118 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
89109 NV LAS VEGAS Single Family 9.25 0.5 0 0.0125
94538 CA FREMONT Single Family 8.75 0.5 0 0.0125
85037 AZ PHOENIX Single Family 13.25 0.5 0 0.0125
92532 CA LAKE ELSINORE PUD 11.875 0.5 0 0.0125
89129 NV LAS VEGAS Condominium 10.625 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 10.125 0.5 0 0.0125
90713 CA LAKEWOOD Single Family 13 0.5 0 0.0125
85339 AZ PHOENIX PUD 11.875 0.5 0 0.0125
91710 CA CHINO Single Family 7.75 0.5 0 0.0125
89130 NV LAS VEGAS Condominium 9.375 0.5 0 0.0125
89130 NV LAS VEGAS Condominium 13.375 0.5 0 0.0125
89117 NV LAS VEGAS Condominium 12.625 0.5 0 0.0125
89101 NV LAS VEGAS 2-4 Family 13.5 0.5 0 0.0125
89031 NV NORTH LAS VEGAS PUD 8 0.5 0 0.0125
89119 NV LAS VEGAS Condominium 11 0.5 0 0.0125
90305 CA INGLEWOOD Single Family 9.875 0.5 0 0.0125
89052 NV XXXXXXXXX PUD 8 0.5 0 0.0125
89123 NV LAS VEGAS Condominium 10.875 0.5 0 0.0125
81637 CO GYPSUM Single Family 10.5 0.5 0 0.0125
91331 CA ARLETA Single Family 9.99 0.5 0 0.0125
85338 AZ GOODYEAR Single Family 7.99 0.5 0 0.0125
32211 FL JACKSONVILLE Single Family 10.55 0.5 0 0.0125
33068 FL NORTH LAUDERDAL Single Family 9.45 0.5 0 0.0125
92503 CA RIVERSIDE Single Family 10.65 0.5 0 0.0125
92509 CA RIVERSIDE Single Family 10.8 0.5 0 0.0125
80221 CO DENVER Single Family 7.99 0.5 0 0.0125
92325 CA CRESTLINE Single Family 10.4 0.5 0 0.0125
33014 FL HIALEAH Condominium 10.8 0.5 0 0.0125
97030 OR GRESHAM Single Family 9.99 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 11.3 0.5 0 0.0125
43110 OH CANAL WINCHESTE Single Family 11.3 0.5 0 0.0125
21784 MD SYKESVILLE Single Family 10.95 0.5 0 0.0125
90302 CA INGLEWOOD Single Family 10.55 0.5 0 0.0125
93436 CA LOMPOC Single Family 8.99 0.5 0 0.0125
8724 NJ BRICK Condominium 11.3 0.5 0 0.0125
92337 CA FONTANA Single Family 9.99 0.5 0 0.0125
1752 MA MARLBORO 2-4 Family 10.725 0.5 0 0.0125
81004 CO PUEBLO Single Family 10.05 0.5 0 0.0125
74037 OK JENKS Single Family 9.55 0.5 0 0.0125
44120 OH CLEVELAND 2-4 Family 9.85 0.5 0 0.0125
32216 FL JACKSONVILLE Single Family 11.3 0.5 0 0.0125
92231 CA CALEXICO Single Family 11.5 0.5 0 0.0125
1851 MA LOWELL Single Family 11.8 0.5 0 0.0125
33313 FL SUNRISE Single Family 11.3 0.5 0 0.0125
75252 TX DALLAS Single Family 9.99 0.5 0 0.0125
37921 TN KNOXVILLE Single Family 8.23 0.5 0 0.0125
33032 FL MIAMI Single Family 8.85 0.5 0 0.0125
7461 NJ SUSSEX Single Family 12 0.5 0 0.0125
31405 GA SAVANNAH PUD 11.3 0.5 0 0.0125
7110 NJ NUTLEY Single Family 9 0.5 0 0.0125
44053 OH LORAIN Single Family 9 0.5 0 0.0125
33147 FL MIAMI Single Family 9.75 0.5 0 0.0125
75253 TX DALLAS Single Family 9.99 0.5 0 0.0125
11561 NY LIDO BEACH Single Family 10.75 0.5 0 0.0125
33186 FL MIAMI Condominium 11.3 0.5 0 0.0125
29576 SC MURRELLS INLET Single Family 9.99 0.5 0 0.0125
76227 TX OAK POINT PUD 9.99 0.5 0 0.0125
1844 MA METHUEN 2-4 Family 9.99 0.5 0 0.0125
33547 FL LITHIA PUD 9.45 0.5 0 0.0125
28025 NC CONCORD Single Family 8.65 0.5 0 0.0125
30341 GA ATLANTA Condominium 11.3 0.5 0 0.0125
33126 FL MIAMI Hi-Rise Condo 8.75 0.5 0 0.0125
71203 XX XXXXXX Single Family 9.99 0.5 0 0.0125
33193 FL MIAMI Single Family 8.65 0.5 0 0.0125
19720 DE NEW CASTLE Single Family 10.85 0.5 0 0.0125
30005 GA ALPHARETTA Single Family 9.8 0.5 0 0.0125
27501 NC ANGIER Single Family 10.15 0.5 0 0.0125
32114 FL DAYTONA BEACH Single Family 10.55 0.5 0 0.0125
75068 TX LITTLE ELM Single Family 9.99 0.5 0 0.0125
32808 FL ORLANDO Single Family 10.4 0.5 0 0.0125
84037 UT KAYSVILLE Single Family 8.5 0.5 0 0.0125
75057 TX LEWISVILLE Single Family 9.55 0.5 0 0.0125
89142 NV LAS VEGAS Single Family 9.9 0.5 0 0.0125
40509 KY LEXINGTON Single Family 10.15 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 10.5 0.5 0 0.0125
33033 FL MIAMI PUD 9.955 0.5 0 0.0125
92505 CA RIVERSIDE Single Family 10.05 0.5 0 0.0125
33597 FL XXXXXXX Single Family 8.7 0.5 0 0.0125
92376 CA RIALTO Single Family 9 0.5 0 0.0125
95829 CA SACRAMENTO Single Family 9.99 0.5 0 0.0125
30062 GA MARIETTA PUD 10.3 0.5 0 0.0125
2904 RI PROVIDENCE 2-4 Family 11.55 0.5 0 0.0125
7050 NJ ORANGE Single Family 10.55 0.5 0 0.0125
34786 FL WINDERMERE PUD 10.125 0.5 0 0.0125
35749 AL HARVEST Single Family 13.625 0.5 0 0.0125
32114 FL DAYTONA BEACH Condominium 14.375 0.5 0 0.0125
92065 CA XXXXXX PUD 9.75 0.5 0 0.0125
89131 NV LAS VEGAS PUD 13.5 0.5 0 0.0125
96130 CA SUSANVILLE Single Family 10.25 0.5 0 0.0125
90262 CA LYNWOOD Single Family 8.5 0.5 0 0.0125
89166 NV LAS VEGAS PUD 12.75 0.5 0 0.0125
92376 CA RIALTO Single Family 9.99 0.5 0 0.0125
32221 FL JACKSONVILLE PUD 9.35 0.5 0 0.0125
33311 FL FORT LAUDERDALE Single Family 9.99 0.5 0 0.0125
92571 CA PERRIS Single Family 8.99 0.5 0 0.0125
34953 FL PORT SAINT LUCI Single Family 11.3 0.5 0 0.0125
90003 CA LOS ANGELES Single Family 10.25 0.5 0 0.0125
44505 OH YOUNGSTOWN Single Family 11.8 0.5 0 0.0125
63090 MO WASHINGTON Single Family 10 0.5 0 0.0125
33183 FL MIAMI Condominium 10.9 0.5 0 0.0125
33196 FL MIAMI Single Family 9.99 0.5 0 0.0125
89117 NV LAS VEGAS Condominium 13.375 0.5 0 0.0125
33458 FL JUPITER Single Family 10.75 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 11.3 0.5 0 0.0125
7095 NJ WOODBRIDGE Single Family 9.99 0.5 0 0.0125
46113 IN CAMBY Single Family 11.3 0.5 0 0.0125
85757 AZ TUCSON PUD 10.5 0.5 0 0.0125
33063 FL MARGATE Single Family 9.99 0.5 0 0.0125
93455 CA SANTA XXXXX Single Family 8.125 0.5 0 0.0125
30032 GA DECATUR Single Family 12 0.5 0 0.0125
75220 TX DALLAS Single Family 9.99 0.5 0 0.0125
77547 TX GALENA PARK Single Family 9.35 0.5 0 0.0125
33486 FL BOCA RATON Condominium 9.99 0.5 0 0.0125
33055 FL OPA LOCKA PUD 11.3 0.5 0 0.0125
85323 AZ AVONDALE Single Family 8.99 0.5 0 0.0125
23321 VA CHESAPEAKE Single Family 9.75 0.5 0 0.0125
85335 AZ EL MIRAGE Single Family 9.99 0.5 0 0.0125
1550 MA SOUTHBRIDGE 2-4 Family 10.15 0.5 0 0.0125
93535 CA LANCASTER Single Family 10.99 0.5 0 0.0125
33309 FL LAUDERDALE LAKE Single Family 11.15 0.5 0 0.0125
33175 FL MIAMI Hi-Rise Condo 9 0.5 0 0.0125
34787 FL WINTER GARDEN Single Family 12.3 0.5 0 0.0125
13492 NY WHITESBORO Single Family 12.3 0.5 0 0.0125
30045 GA LAWRENCEVILLE PUD 9.55 0.5 0 0.0125
66614 KS TOPEKA Single Family 8.5 0.5 0 0.0125
34744 FL KISSIMMEE Single Family 9.99 0.5 0 0.0125
33018 FL MIAMI LAKES PUD 11.65 0.5 0 0.0125
95991 CA YUBA CITY Single Family 9.8 0.5 0 0.0125
34951 FL FORT XXXXXX PUD 11.3 0.5 0 0.0125
33905 FL FORT XXXXX Single Family 11.3 0.5 0 0.0125
33190 FL MIAMI PUD 8.75 0.5 0 0.0125
77083 TX HOUSTON Single Family 9.99 0.5 0 0.0125
3461 NH RINDGE Single Family 11.5 0.5 0 0.0125
77450 TX KATY Single Family 9.99 0.5 0 0.0125
76266 TX SANGER Single Family 9.99 0.5 0 0.0125
54501 WI RHINELANDER Single Family 10.75 0.5 0 0.0125
12972 NY PERU Single Family 11.35 0.5 0 0.0125
33773 FL LARGO Condominium 12.75 0.5 0 0.0125
33594 FL VALRICO Single Family 11.375 0.5 0 0.0125
33773 FL LARGO Condominium 12.5 0.5 0 0.0125
32119 FL DAYTONA BEACH Condominium 14.625 0.5 0 0.0125
32119 FL DAYTONA BEACH Condominium 14.625 0.5 0 0.0125
32119 FL SOUTH DAYTONA BEACH Condominium 13.5 0.5 0 0.0125
32119 FL DAYTONA BEACH Condominium 14 0.5 0 0.0125
76165 TX WAXAHACHIE Single Family 9.999 0.5 0 0.0125
80239 CO DENVER Single Family 12.75 0.5 0 0.0125
43612 OH TOLEDO Single Family 14.5 0.5 0 0.0125
33141 FL N BAY VILLAGE Hi-Rise Condo 14.375 0.5 0 0.0125
30260 GA XXXXXX 2-4 Family 14.125 0.5 0 0.0125
80033 CO WHEAT RIDGE 2-4 Family 14.25 0.5 0 0.0125
95404 CA SANTA XXXX 2-4 Family 11.75 0.5 0 0.0125
75165 TX WAXAHACHIE Single Family 9.999 0.5 0 0.0125
29412 SC CHARLESTON Condominium 13.375 0.5 0 0.0125
33626 FL TAMPA Single Family 11.25 0.5 0 0.0125
76115 TX FORT WORTH 2-4 Family 9.999 0.5 0 0.0125
37863 TN PIGEON FORGE Single Family 8.91 0.5 0 0.0125
56377 MN SARTEL Single Family 10.218 0.5 0 0.0125
56374 MN SAINT XXXXXX Single Family 10.218 0.5 0 0.0125
55304 MN ANDOVER PUD 10.218 0.5 0 0.0125
98405 WA TACOMA Condominium 11.875 0.5 0 0.0125
31907 GA COLUMBUS Single Family 14 0.5 0 0.0125
75060 TX IRVING Single Family 9.999 0.5 0 0.0125
33018 FL HIALEAH Condominium 13.75 0.5 0 0.0125
33909 FL CAPE CORAL Single Family 13.875 0.5 0 0.0125
32811 FL ORLANDO Condominium 11.625 0.5 0 0.0125
95206 CA STOCKTON Single Family 12.25 0.5 0 0.0125
38018 TN XXXXXXX Single Family 8.91 0.5 0 0.0125
63109 MO SAINT LOUIS 2-4 Family 14.75 0.5 0 0.0125
75043 TX GARLAND Single Family 9.999 0.5 0 0.0125
33313 FL PLANTATION Single Family 11.5 0.5 0 0.0125
80239 CO DENVER Single Family 14.25 0.5 0 0.0125
80239 CO DENVER Single Family 14.25 0.5 0 0.0125
33409 FL WEST PALM BEACH Condominium 13 0.5 0 0.0125
30032 GA DECATUR Single Family 14.75 0.5 0 0.0125
55420 MN BLOOMINGTON Single Family 10.85 0.5 0 0.0125
33033 FL HOMESTEAD Condominium 11.35 0.5 0 0.0125
33880 FL WINTER HAVEN Single Family 9.5 0.5 0 0.0125
30034 GA DECATUR Single Family 8.5 0.5 0 0.0125
96712 HI HALEIWA Single Family 12.3 0.5 0 0.0125
90805 CA LONG BEACH 2-4 Family 9.5 0.5 0 0.0125
7208 NJ XXXXXXXXX Single Family 11.75 0.5 0 0.0125
33172 FL MIAMI Condominium 8.65 0.5 0 0.0125
77008 TX HOUSTON Single Family 9 0.5 0 0.0125
70714 XX XXXXX Single Family 9.99 0.5 0 0.0125
77591 TX TEXAS CITY Single Family 9.99 0.5 0 0.0125
29505 SC XXXXXXXX Single Family 9.99 0.5 0 0.0125
34951 FL FORT XXXXXX PUD 11.5 0.5 0 0.0125
31210 GA MACON Single Family 12.3 0.5 0 0.0125
92501 CA RIVERSIDE Single Family 10.875 0.5 0 0.0125
93108 CA SANTA XXXXXXX Single Family 9.875 0.5 0 0.0125
92657 CA NEWPORT BEACH Condominium 9.99 0.5 0 0.0125
91106 CA PASADENA Condominium 11.875 0.5 0 0.0125
90028 CA LOS ANGELES 2-4 Family 12.25 0.5 0 0.0125
56303 MN ST. CLOUD Single Family 7.99 0.5 0 0.0125
92405 CA SAN BERNARDINO Single Family 11.5 0.5 0 0.0125
33189 FL MIAMI Single Family 10.8 0.5 0 0.0125
78578 TX PORT XXXXXX Single Family 9.99 0.5 0 0.0125
32220 FL JACKSONVILLE Single Family 9.49 0.5 0 0.0125
45013 OH XXXXXXXX Single Family 11.35 0.5 0 0.0125
32566 FL NAVARRE Single Family 9 0.5 0 0.0125
6320 CT NEW LONDON 2-4 Family 9.99 0.5 0 0.0125
32303 FL TALLAHASSEE Single Family 12 0.5 0 0.0125
38478 TN PULASKI Single Family 8.24 0.5 0 0.0125
33015 FL HIALEAH PUD 9.99 0.5 0 0.0125
7055 NJ PASSAIC 2-4 Family 10.75 0.5 0 0.0125
77021 TX HOUSTON Single Family 9.99 0.5 0 0.0125
33351 FL SUNRISE Single Family 9.99 0.5 0 0.0125
43065 OH XXXXXX Single Family 11.8 0.5 0 0.0125
23452 VA XXXXXXX BEACH Single Family 11.1 0.5 0 0.0125
37931 TN KNOXVILLE Single Family 8.23 0.5 0 0.0125
90220 CA COMPTON Single Family 8.5 0.5 0 0.0125
92870 CA PLACENTIA Condominium 8.125 0.5 0 0.0125
90706 CA BELLFLOWER Single Family 10.125 0.5 0 0.0125
92806 CA ANAHEIM Single Family 12 0.5 0 0.0125
95070 CA SARATOGA Single Family 12.25 0.5 0 0.0125
92545 CA HEMET Single Family 12.375 0.5 0 0.0125
92376 CA RIALTO Single Family 12.24 0.5 0 0.0125
92503 CA RIVERSIDE Single Family 11.25 0.5 0 0.0125
90046 CA WEST HOLLYWOOD Condominium 12.25 0.5 0 0.0125
90066 CA LOS ANGELES Single Family 12.3 0.5 0 0.0125
79936 TX EL PASO Single Family 12.6 0.5 0 0.0125
00000 XX XXXXXXX (XXXX) Single Family 10.99 0.5 0 0.0125
90001 CA LOS ANGELES Single Family 11.3 0.5 0 0.0125
98155 WA SHORELINE Condominium 11.3 0.5 0 0.0125
7304 NJ JERSEY CITY Single Family 9.99 0.5 0 0.0125
33028 FL PEMBROKE PINES PUD 8.95 0.5 0 0.0125
76052 TX FORT WORTH PUD 9 0.5 0 0.0125
33071 FL CORAL SPRINGS Condominium 9.49 0.5 0 0.0125
32738 FL DELTONA Single Family 7.58 0.5 0 0.0125
33025 FL MIRAMAR Condominium 8.65 0.5 0 0.0125
40511 KY LEXINGTON Single Family 8.95 0.5 0 0.0125
33428 FL BOCA RATON Condominium 10.65 0.5 0 0.0125
33406 FL WEST PALM BEACH Single Family 9.46 0.5 0 0.0125
34221 FL PALMETTO PUD 11.225 0.5 0 0.0125
92805 CA ANAHEIM Single Family 9.99 0.5 0 0.0125
33461 FL LAKE WORTH PUD 9.99 0.5 0 0.0125
90222 CA XXXXXXX Single Family 9.99 0.5 0 0.0125
22554 VA XXXXXXXX Single Family 9.8 0.5 0 0.0125
27284 NC KERNERSVILLE PUD 8.65 0.5 0 0.0125
38118 TN MEMPHIS Single Family 8.24 0.5 0 0.0125
27292 NC LEXINGTON Single Family 8.75 0.5 0 0.0125
75206 TX DALLAS PUD 9.99 0.5 0 0.0125
75115 TX DESOTO Single Family 9.35 0.5 0 0.0125
33914 FL CAPE CORAL Condominium 9.99 0.5 0 0.0125
33334 FL OAKLAND PARK Single Family 9.99 0.5 0 0.0125
55417 MN MINNEAPOLIS Single Family 7.99 0.5 0 0.0125
44077 OH PAINESVILLE Single Family 11.3 0.5 0 0.0125
37620 TN BRISTOL Single Family 8.23 0.5 0 0.0125
92122 CA SAN DIEGO Condominium 10.9 0.5 0 0.0125
18049 PA EMMAUS Single Family 8.65 0.5 0 0.0125
85023 AZ PHOENIX Single Family 9.8 0.5 0 0.0125
20110 VA MANASSAS Single Family 10.65 0.5 0 0.0125
97223 OR TIGARD Single Family 8.537 0.5 0 0.0125
67901 KS LIBERAL Single Family 7.9 0.5 0 0.0125
33020 FL HOLLYWOOD Single Family 8.65 0.5 0 0.0125
33183 FL MIAMI Condominium 9.9 0.5 0 0.0125
21001 MD ABERDEEN Single Family 9.99 0.5 0 0.0125
30005 GA ALPHARETTA PUD 9.45 0.5 0 0.0125
33897 FL XXXXXXXXX Single Family 10.75 0.5 0 0.0125
46260 IN INDIANAPOLIS Single Family 12 0.5 0 0.0125
33991 FL CAPE CORAL Single Family 11.475 0.5 0 0.0125
30326 GA JONESBORO Single Family 12 0.5 0 0.0125
96001 CA REDDING Single Family 9.8 0.5 0 0.0125
14502 NY WALWORTH Single Family 9.25 0.5 0 0.0125
64052 MO INDEPENDENCE Single Family 10.15 0.5 0 0.0125
75034 TX FRISCO PUD 9.35 0.5 0 0.0125
85086 AZ PHOENIX Single Family 8.65 0.5 0 0.0125
90037 CA LOS ANGELES Single Family 12.3 0.5 0 0.0125
11553 NY UNIONDALE Single Family 9 0.5 0 0.0125
85747 AZ TUCSON Single Family 8.75 0.5 0 0.0125
75115 TX DESOTO PUD 9.99 0.5 0 0.0125
22193 VA WOODBRIDGE Single Family 10.912 0.5 0 0.0125
30075 GA ROSWELL Single Family 9.99 0.5 0 0.0125
34286 FL NORTH PORT Single Family 9 0.5 0 0.0125
34759 FL KISSIMMEE PUD 11.25 0.5 0 0.0125
11422 NY ROSEDALE 2-4 Family 12 0.5 0 0.0125
33558 FL XXXX Single Family 10.8 0.5 0 0.0125
28269 NC CHARLOTTE Single Family 9.75 0.5 0 0.0125
32824 FL ORLANDO Condominium 13.05 0.5 0 0.0125
33624 FL TAMPA Single Family 12 0.5 0 0.0125
32068 FL MIDDLEBURG PUD 11.5 0.5 0 0.0125
32814 FL ORLANDO PUD 11.55 0.5 0 0.0125
46550 IN NAPPANEE Single Family 12 0.5 0 0.0125
34787 FL WINTER GARDEN PUD 11.3 0.5 0 0.0125
77084 TX HOUSTON Single Family 9.5 0.5 0 0.0125
32725 FL DELTONA Single Family 11.675 0.5 0 0.0125
33418 FL PALM BEACH GARDENS PUD 11.05 0.5 0 0.0125
90222 CA COMPTON Single Family 12 0.5 0 0.0125
43147 OH PICKERINGTON PUD 11.55 0.5 0 0.0125
84075 UT SYRACUSE Single Family 10.5 0.5 0 0.0125
33810 FL LAKELAND PUD 13.05 0.5 0 0.0125
33175 FL MIAMI Single Family 8.75 0.5 0 0.0125
34116 FL NAPLES Single Family 12 0.5 0 0.0125
33314 FL DAVIE Single Family 9.99 0.5 0 0.0125
33063 FL COCONUT CREEK PUD 10.5 0.5 0 0.0125
33185 FL MIAMI Single Family 10.65 0.5 0 0.0125
33141 FL MIAMI BEACH Single Family 9 0.5 0 0.0125
32258 FL JACKSONVILLE Single Family 9.1 0.5 0 0.0125
17268 PA WAYNESBORO Single Family 11.4 0.5 0 0.0125
30044 GA LAWRENCEVILLE Single Family 8.9 0.5 0 0.0125
32208 FL JACKSONVILLE Single Family 10.65 0.5 0 0.0125
23455 VA VIRGINIA BEACH Single Family 12 0.5 0 0.0125
44132 OH EUCLID Single Family 11.8 0.5 0 0.0125
84062 UT CEDAR HILLS Single Family 8.75 0.5 0 0.0125
38016 TN XXXXXXX Single Family 8.66 0.5 0 0.0125
92881 CA CORONA Condominium 9.99 0.5 0 0.0125
33134 FL CORAL GABLES Condominium 9.99 0.5 0 0.0125
32966 FL VERO BEACH Single Family 9.65 0.5 0 0.0125
28083 NC KANNAPOLIS Single Family 10.65 0.5 0 0.0125
92410 CA SAN BERNARDINO Single Family 9.95 0.5 0 0.0125
44146 OH OAKWOOD VILLAGE Single Family 11.8 0.5 0 0.0125
11691 NY FAR ROCKAWAY 2-4 Family 11.35 0.5 0 0.0125
7504 NJ PATERSON Single Family 11.6 0.5 0 0.0125
32244 FL JACKSONVILLE PUD 10.4 0.5 0 0.0125
76020 TX AZLE Single Family 9.99 0.5 0 0.0125
11722 NY CENTRAL ISLIP Single Family 11.1 0.5 0 0.0125
33435 FL BOYNTON BEACH Single Family 8.75 0.5 0 0.0125
7748 NJ MIDDLETOWN Single Family 11.1 0.5 0 0.0125
32810 FL ORLANDO PUD 8.78 0.5 0 0.0125
30236 GA JONESBORO Single Family 9.35 0.5 0 0.0125
80911 CO COLORADO SPRING Single Family 9.5 0.5 0 0.0125
93656 CA RIVERDALE Single Family 11.35 0.5 0 0.0125
32209 FL JACKSONVILLE Single Family 11.925 0.5 0 0.0125
6239 CT XXXXXXXXX Single Family 11.6 0.5 0 0.0125
33569 FL RIVERVIEW PUD 11.55 0.5 0 0.0125
90044 CA LOS ANGELES Single Family 9.99 0.5 0 0.0125
97502 OR CENTRAL POINT Single Family 8.7 0.5 0 0.0125
32765 FL OVIEDO PUD 13.55 0.5 0 0.0125
34638 FL LAND O LAKES PUD 12.05 0.5 0 0.0125
92054 CA OCEANSIDE Single Family 9.99 0.5 0 0.0125
7860 NJ XXXXXX Condominium 9.45 0.5 0 0.0125
33810 FL LAKELAND PUD 12.3 0.5 0 0.0125
84049 UT MIDWAY Single Family 9.99 0.5 0 0.0125
30314 GA ATLANTA Single Family 12.3 0.5 0 0.0125
33534 FL GIBSONTON PUD 11.8 0.5 0 0.0125
32808 FL ORLANDO Single Family 11.3 0.5 0 0.0125
28411 NC WILMINGTON Single Family 10.65 0.5 0 0.0125
34705 FL ASTATULA Single Family 9.99 0.5 0 0.0125
33544 FL XXXXXX CHAPEL PUD 12.3 0.5 0 0.0125
2860 RI PAWTUCKET Single Family 9.99 0.5 0 0.0125
30045 GA LAWRENCEVILLE PUD 11.8 0.5 0 0.0125
33830 FL BARTOW Single Family 10.55 0.5 0 0.0125
13090 NY LIVERPOOL Single Family 8.75 0.5 0 0.0125
20817 MD BETHESDA Condominium 12.8 0.5 0 0.0125
15317 PA CANONSBURG Single Family 8.65 0.5 0 0.0125
74055 OK OWASSO Single Family 9.99 0.5 0 0.0125
7506 NJ HAWTHORNE 2-4 Family 11.35 0.5 0 0.0125
33067 FL POMPANO BEACH Single Family 9.3 0.5 0 0.0125
33319 FL TAMARAC Condominium 9.99 0.5 0 0.0125
33020 FL HOLLYWOOD Single Family 11.125 0.5 0 0.0125
90032 CA LOS ANGELES Single Family 9.99 0.5 0 0.0125
30152 GA KENNESAW Single Family 8.65 0.5 0 0.0125
32829 FL ORLANDO PUD 10.25 0.5 0 0.0125
32132 FL EDGEWATER Single Family 12 0.5 0 0.0125
56301 MN SAINT CLOUD Single Family 9.35 0.5 0 0.0125
32712 FL APOPKA PUD 11 0.5 0 0.0125
92882 CA CORONA Single Family 11.5 0.5 0 0.0125
77014 TX HOUSTON PUD 9.99 0.5 0 0.0125
7514 NJ PATERSON Single Family 11.35 0.5 0 0.0125
33141 FL NORTH BAY VILLAGE Condominium 12.175 0.5 0 0.0125
60440 IL BOLINGBROOK Single Family 11.3 0.5 0 0.0125
33068 FL NORTH LAUDERDALE Single Family 11.8 0.5 0 0.0125
2919 RI XXXXXXXX Single Family 12 0.5 0 0.0125
33461 FL LAKE WORTH PUD 10.3 0.5 0 0.0125
32780 FL TITUSVILLE Single Family 9.99 0.5 0 0.0125
27603 NC RALEIGH Single Family 9.75 0.5 0 0.0125
70433 XX XXXXXXXXX Single Family 11.3 0.5 0 0.0125
32225 FL JACKSONVILLE Single Family 10.8 0.5 0 0.0125
10305 NY STATEN ISLAND Single Family 11.8 0.5 0 0.0125
85304 AZ GLENDALE Single Family 9.08 0.5 0 0.0125
45251 OH CINCINNATI Single Family 11.55 0.5 0 0.0125
48034 MI SOUTHFIELD Single Family 12 0.5 0 0.0125
23452 VA VIRGINIA BEACH Single Family 8.65 0.5 0 0.0125
34608 FL SPRING HILL Single Family 11.1 0.5 0 0.0125
32174 FL ORMOND BEACH PUD 12.8 0.5 0 0.0125
7203 NJ ROSELLE Single Family 8.65 0.5 0 0.0125
77090 TX HOUSTON PUD 9.99 0.5 0 0.0125
15234 PA PITTSBURGH Single Family 10.75 0.5 0 0.0125
33811 FL LAKELAND Single Family 9.55 0.5 0 0.0125
77532 TX XXXXXX PUD 9.99 0.5 0 0.0125
33610 FL TAMPA Single Family 8.75 0.5 0 0.0125
23434 VA SUFFOLK PUD 9.925 0.5 0 0.0125
98597 WA YELM Single Family 9.99 0.5 0 0.0125
33056 FL MIAMI GARDENS Single Family 9.95 0.5 0 0.0125
33175 FL MIAMI Single Family 11.05 0.5 0 0.0125
10462 NY BRONX Single Family 12 0.5 0 0.0125
44060 OH MENTOR Single Family 9.35 0.5 0 0.0125
7047 NJ NORTH BERGEN 2-4 Family 12.5 0.5 0 0.0125
92506 CA RIVERSIDE Single Family 11.95 0.5 0 0.0125
7206 NJ XXXXXXXXX 2-4 Family 12 0.5 0 0.0125
33055 FL MIAMI Single Family 9.55 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 9.99 0.5 0 0.0125
33463 FL GREENACRES Condominium 11.8 0.5 0 0.0125
6051 CT NEW BRITAIN Single Family 13.625 0.5 0 0.0125
11701 NY AMITYVILLE Single Family 9.99 0.5 0 0.0125
98405 WA TACOMA Single Family 9.75 0.5 0 0.0125
20011 DC WASHINGTON Single Family 12.5 0.5 0 0.0125
91765 CA DIAMOND BAR Condominium 9.35 0.5 0 0.0125
37814 TN MORRISTOWN Single Family 8.23 0.5 0 0.0125
32003 FL ORANGE PARK PUD 9.8 0.5 0 0.0125
1020 MA CHICOPEE 2-4 Family 8.65 0.5 0 0.0125
30058 GA LITHONIA Single Family 11.8 0.5 0 0.0125
2860 RI PAWTUCKET 2-4 Family 12.5 0.5 0 0.0125
48331 MI FARMINGTON HILL Single Family 9.35 0.5 0 0.0125
29229 SC COLUMBIA PUD 9.99 0.5 0 0.0125
20774 MD UPPER MARLBORO PUD 11.4 0.5 0 0.0125
1453 MA LEOMINSTER Single Family 13.675 0.5 0 0.0125
90631 CA LA HABRA Single Family 9.99 0.5 0 0.0125
33323 FL SUNRISE Single Family 7.5 0.5 0 0.0125
91977 CA SPRING VALLEY 2-4 Family 11.5 0.5 0 0.0125
6606 CT BRIDGEPORT Condominium 11.375 0.5 0 0.0125
1602 MA WORCESTER Single Family 12 0.5 0 0.0125
77396 TX HUMBLE Single Family 8.65 0.5 0 0.0125
30060 GA MARIETTA Single Family 10.15 0.5 0 0.0125
11369 NY EAST ELMHURST Single Family 9.99 0.5 0 0.0125
33014 FL HIALEAH Condominium 10.3 0.5 0 0.0125
44117 OH EUCLID Single Family 9.45 0.5 0 0.0125
33125 FL MIAMI 2-4 Family 9 0.5 0 0.0125
20744 MD FORT WASHINGTON Single Family 11.5 0.5 0 0.0125
2124 MA DORCHESTER 2-4 Family 12 0.5 0 0.0125
11208 NY BROOKLYN 2-4 Family 11.99 0.5 0 0.0125
22026 VA DUMFRIES PUD 11.05 0.5 0 0.0125
90680 CA XXXXXXX PUD 9 0.5 0 0.0125
95377 CA XXXXX Single Family 9.99 0.5 0 0.0125
20147 VA ASHBURN PUD 9.925 0.5 0 0.0125
7063 NJ PLAINFIELD Single Family 9.25 0.5 0 0.0125
56547 MN GLYNDON Single Family 10 0.5 0 0.0125
92555 CA XXXXXX VALLEY PUD 9 0.5 0 0.0125
1930 MA GLOUSCESTER Single Family 13.675 0.5 0 0.0125
2155 MA MEDFORD 2-4 Family 9.99 0.5 0 0.0125
22204 VA ARLINGTON Condominium 12 0.5 0 0.0125
20019 DC WASHINGTON Single Family 10.3 0.5 0 0.0125
19904 DE DOVER Single Family 12 0.5 0 0.0125
33133 FL MIAMI Hi-Rise Condo 9.99 0.5 0 0.0125
7514 NJ PATERSON 2-4 Family 11.8 0.5 0 0.0125
77802 TX BRYAN Single Family 9.99 0.5 0 0.0125
6854 CT NORWALK 2-4 Family 12 0.5 0 0.0125
60643 IL CHICAGO Single Family 12.05 0.5 0 0.0125
20747 MD DISTRICT HEIGHTS Single Family 10.55 0.5 0 0.0125
65807 MO SPRINGFIELD Single Family 8.537 0.5 0 0.0125
51501 IA COUNCIL BLUFFS Single Family 12.55 0.5 0 0.0125
91746 CA LA XXXXXX Single Family 9.99 0.5 0 0.0125
33414 FL WELLINGTON Condominium 8.65 0.5 0 0.0125
2908 RI PROVIDENCE 2-4 Family 11.8 0.5 0 0.0125
53147 WI LAKE GENEVA Single Family 10.5 0.5 0 0.0125
33063 FL MARGATE PUD 8.65 0.5 0 0.0125
19335 PA DOWNINGTOWN Single Family 12.175 0.5 0 0.0125
33411 FL ROYAL PALM BEAC Single Family 9.5 0.5 0 0.0125
92335 CA FONTANA Single Family 9.35 0.5 0 0.0125
22150 VA SPRINGFIELD Single Family 11.175 0.5 0 0.0125
42071 XX XXXXXX Single Family 9.99 0.5 0 0.0125
1876 MA TEWKSBURY Condominium 11.8 0.5 0 0.0125
80247 CO DENVER PUD 12.6 0.5 0 0.0125
63376 MO SAINT XXXXXX Single Family 7.99 0.5 0 0.0125
92201 CA INDIO Single Family 9.35 0.5 0 0.0125
7728 NJ FREEHOLD Single Family 11.925 0.5 0 0.0125
33442 FL DEERFIELD BEACH Single Family 9.99 0.5 0 0.0125
95133 CA SAN XXXX Condominium 10.45 0.5 0 0.0125
7201 NJ XXXXXXXXX 2-4 Family 11.55 0.5 0 0.0125
33569 FL RIVERVIEW Single Family 11.8 0.5 0 0.0125
1603 MA WORCESTER 2-4 Family 12.05 0.5 0 0.0125
30034 GA DECATUR Single Family 9.35 0.5 0 0.0125
21113 MD ODENTON Single Family 13.675 0.5 0 0.0125
33064 FL POMPANO BEACH Single Family 9.99 0.5 0 0.0125
1843 MA XXXXXXXX 2-4 Family 12 0.5 0 0.0125
33559 FL LUTZ Single Family 12 0.5 0 0.0125
28164 NC STANLEY Single Family 11 0.5 0 0.0125
97123 OR HILLSBORO 2-4 Family 9.35 0.5 0 0.0125
28277 NC CHARLOTTE PUD 12 0.5 0 0.0125
76010 TX ARLINGTON Single Family 9.99 0.5 0 0.0125
21222 MD BALTIMORE Single Family 8.875 0.5 0 0.0125
28269 NC CHARLOTTE PUD 11.55 0.5 0 0.0125
33417 FL WEST PALM BEACH Single Family 9.35 0.5 0 0.0125
33542 FL ZEPHYRHILLS Single Family 9 0.5 0 0.0125
27249 NC GIBSONVILLE Single Family 12.5 0.5 0 0.0125
55420 MN BLOOMINGTON Single Family 8.99 0.5 0 0.0125
29661 SC MARIETTA Single Family 10.5 0.5 0 0.0125
44041 OH GENEVA Single Family 12 0.5 0 0.0125
33312 FL FORT LAUDERDALE Single Family 9.5 0.5 0 0.0125
92843 CA GARDEN GROVE Condominium 12 0.5 0 0.0125
29673 SC PIEDMONT Single Family 12 0.5 0 0.0125
33624 FL TAMPA Single Family 10.75 0.5 0 0.0125
48047 MI CHESTERFIELD TW Single Family 9 0.5 0 0.0125
20151 VA CHANTILLY Single Family 10.675 0.5 0 0.0125
76107 TX FORT WORTH Single Family 9.99 0.5 0 0.0125
91762 CA ONTARIO Single Family 9.99 0.5 0 0.0125
38125 TN MEMPHIS Single Family 8.25 0.5 0 0.0125
33462 FL LAKE WORTH Single Family 9.99 0.5 0 0.0125
38002 TN ARLINGTON Single Family 8.875 0.5 0 0.0125
2302 MA BROCKTON Single Family 12 0.5 0 0.0125
35444 AL BROOKWOOD Single Family 11.875 0.5 0 0.0125
38111 TN MEMPHIS Single Family 8.875 0.5 0 0.0125
75088 TX XXXXXXX Single Family 9.99 0.5 0 0.0125
38122 TN MEMPHIS Single Family 8.875 0.5 0 0.0125
38680 XX XXXXX PUD 12.05 0.5 0 0.0125
11717 NY BRENTWOOD Single Family 12 0.5 0 0.0125
38018 TN XXXXXXX PUD 8.875 0.5 0 0.0125
31636 GA LAKE PARK Single Family 11.35 0.5 0 0.0125
98204 WA EVERETT Condominium 12 0.5 0 0.0125
34684 FL PALM HARBOR Single Family 9 0.5 0 0.0125
33065 FL CORAL SPRING Condominium 9.99 0.5 0 0.0125
11901 NY FLANDERS Single Family 11.1 0.5 0 0.0125
44241 OH STREETSBORO Single Family 10.8 0.5 0 0.0125
34110 FL NAPLES Single Family 9.49 0.5 0 0.0125
16127 PA GROVE CITY Single Family 12.05 0.5 0 0.0125
54956 WI NEENAH Single Family 9.99 0.5 0 0.0125
78201 TX SAN ANTONIO Single Family 9.99 0.5 0 0.0125
63110 MO SAINT LOUIS Single Family 12.05 0.5 0 0.0125
78045 TX LAREDO PUD 9.99 0.5 0 0.0125
78045 TX LAREDO PUD 9.99 0.5 0 0.0125
43551 OH PERRYSBURG Condominium 12.05 0.5 0 0.0125
19053 PA FEASTERVILLE Single Family 8.65 0.5 0 0.0125
20707 MD LAUREL Single Family 11.115 0.5 0 0.0125
43219 OH COLUMBUS PUD 11.05 0.5 0 0.0125
76012 TX ARLINGTON Single Family 9.99 0.5 0 0.0125
76123 TX FORT WORTH PUD 9.99 0.5 0 0.0125
44109 OH CLEVELAND Single Family 10.85 0.5 0 0.0125
8080 NJ XXXXXX Single Family 11.115 0.5 0 0.0125
29209 SC COLUMBIA Single Family 12 0.5 0 0.0125
77584 TX PEARLAND Single Family 9.99 0.5 0 0.0125
32771 FL XXXXXXX PUD 11.99 0.5 0 0.0125
93536 CA LANCASTER Single Family 11.5 0.5 0 0.0125
85718 AZ TUCSON PUD 10.875 0.5 0 0.0125
46123 IN AVON PUD 10.05 0.5 0 0.0125
30542 GA FLOWERY BRANCH Single Family 8.25 0.5 0 0.0125
55025 MN FOREST LAKE PUD 10.125 0.5 0 0.0125
78641 TX LEANDER Single Family 8.75 0.5 0 0.0125
77037 TX HOUSTON Single Family 9.99 0.5 0 0.0125
45005 OH FRANKLIN Single Family 10.05 0.5 0 0.0125
33436 FL BOYNTON BEACH Single Family 9.35 0.5 0 0.0125
55066 MN RED WING Single Family 10.75 0.5 0 0.0125
48235 MI DETROIT Single Family 10.3 0.5 0 0.0125
21228 MD CATONSVILLE Single Family 10.75 0.5 0 0.0125
92571 CA PERRIS Single Family 10.05 0.5 0 0.0125
55025 MN FOREST LAKE Single Family 10.125 0.5 0 0.0125
33903 FL NORTH FORT XXXX Single Family 11.25 0.5 0 0.0125
37354 TN MADISONVILLE Single Family 8.23 0.5 0 0.0125
71078 LA STONEWALL Single Family 10.8 0.5 0 0.0125
2149 MA EVERETT Single Family 12 0.5 0 0.0125
32218 FL JACKSONVILLE PUD 11.3 0.5 0 0.0125
60515 IL DOWNERS GROVE Single Family 12.55 0.5 0 0.0125
30087 GA STONE MOUNTAIN Single Family 9.99 0.5 0 0.0125
90042 CA LOS ANGELES Single Family 8.99 0.5 0 0.0125
44052 OH LORAIN Single Family 12.05 0.5 0 0.0125
33187 FL MIAMI PUD 10.95 0.5 0 0.0125
92545 CA HEMET Single Family 9.99 0.5 0 0.0125
55379 MN SHAKOPEE Single Family 10.125 0.5 0 0.0125
92113 CA SAN DIEGO Single Family 9.99 0.5 0 0.0125
34208 FL BRADENTON Single Family 9.78 0.5 0 0.0125
1890 MA WINCHESTER Condominium 12.05 0.5 0 0.0125
92626 CA COSTA MESA Single Family 8.65 0.5 0 0.0125
93230 CA HANFORD Single Family 8.99 0.5 0 0.0125
98338 WA XXXXXX Single Family 10.5 0.5 0 0.0125
95361 CA OAKDALE Single Family 11.75 0.5 0 0.0125
95377 CA TRACY Single Family 10.99 0.5 0 0.0125
89135 NV LAS VEGAS PUD 11.99 0.5 0 0.0125
89121 NV LAS VEGAS 2-4 Family 11.5 0.5 0 0.0125
94510 CA BENICIA Single Family 11.625 0.5 0 0.0125
94112 CA SAN FRANCISCO Single Family 11.99 0.5 0 0.0125
95843 CA ANTELOPE Single Family 11.875 0.5 0 0.0125
44281 OH WADSWORTH Single Family 11.425 0.5 0 0.0125
11717 NY CENTRAL ISLIP Single Family 9.99 0.5 0 0.0125
45067 OH TRENTON Single Family 12.05 0.5 0 0.0125
7047 NJ NORTH BERGEN 2-4 Family 9.99 0.5 0 0.0125
95829 CA SACRAMENTO Single Family 11.4 0.5 0 0.0125
78681 TX ROUND ROCK Single Family 9.875 0.5 0 0.0125
32118 FL DAYTONA BEACH Condominium 12.8 0.5 0 0.0125
7063 NJ NORTH PLAINFIEL Single Family 9.99 0.5 0 0.0125
33023 FL MIRAMAR Single Family 9.95 0.5 0 0.0125
6071 CT SOMERS Condominium 8.65 0.5 0 0.0125
29662 SC XXXXXXX Condominium 10.375 0.5 0 0.0125
89048 NV PAHRUMP Single Family 11.05 0.5 0 0.0125
98466 WA UNIVERSITY PLACE Single Family 11.125 0.5 0 0.0125
91335 CA RESEDA Single Family 12.25 0.5 0 0.0125
20748 MD TEMPLE HILLS Single Family 10.375 0.5 0 0.0125
30519 GA XXXXXX PUD 11.875 0.5 0 0.0125
65803 MO SPRINGFIELD 2-4 Family 12.625 0.5 0 0.0125
20011 DC WASHINGTON Condominium 13.125 0.5 0 0.0125
54613 WI ARKDALE Condominium 11.75 0.5 0 0.0125
80910 CO COLORADO SPRINGS PUD 11.625 0.5 0 0.0125
87124 NM RIO RANCHO Single Family 10.5 0.5 0 0.0125
98409 WA TACOMA 2-4 Family 11.375 0.5 0 0.0125
75086 TX PLANO PUD 11.125 0.5 0 0.0125
21160 MD XXXXXXXXX Single Family 11 0.5 0 0.0125
33604 FL TAMPA Single Family 10.375 0.5 0 0.0125
99208 WA SPOKANE PUD 11.875 0.5 0 0.0125
80910 CO COLORADO SPRINGS PUD 11.625 0.5 0 0.0125
85379 AZ SURPRISE PUD 11.25 0.5 0 0.0125
96740 HI KAILUA-KONA Single Family 10.875 0.5 0 0.0125
20794 MD JESSUP PUD 10.625 0.5 0 0.0125
80817 CO FOUNTAIN PUD 8.75 0.5 0 0.0125
85363 AZ YOUNGTOWN Single Family 11.625 0.5 0 0.0125
37207 TN NASHVILLE Single Family 10.25 0.5 0 0.0125
80903 CO COLORADO SPRINGS Single Family 11.375 0.5 0 0.0125
27284 NC KERNERSVILLE Single Family 11.125 0.5 0 0.0125
19734 XX XXXXXXXX Single Family 11.5 0.5 0 0.0125
66061 KS OLATHE 2-4 Family 12.625 0.5 0 0.0125
89074 NV HENDERSON PUD 13.125 0.5 0 0.0125
83651 ID NAMPA PUD 10.375 0.5 0 0.0125
98021 WA BOTHELL Single Family 10.75 0.5 0 0.0125
89012 NV XXXXXXXXX PUD 10.625 0.5 0 0.0125
6379 CT STONINGTON 2-4 Family 10.875 0.5 0 0.0125
92392 CA VICTORVILLE Single Family 9.875 0.5 0 0.0125
39056 XX XXXXXXX 2-4 Family 13.75 0.5 0 0.0125
7302 NJ JERSEY CITY Hi-Rise Condo 11.75 0.5 0 0.0125
85390 AZ WICKENBURG PUD 9 0.5 0 0.0125
85322 AZ AVONDALE PUD 10.125 0.5 0 0.0125
60653 IL CHICAGO Condominium 12 0.5 0 0.0125
21702 MD XXXXXXXXX PUD 10.875 0.5 0 0.0125
30281 GA STOCKBRIDGE Single Family 13.25 0.5 0 0.0125
32771 FL XXXXXXX PUD 11.625 0.5 0 0.0125
38401 TN COLUMBIA Single Family 9.75 0.5 0 0.0125
3103 NH MANCHESTER 2-4 Family 13.625 0.5 0 0.0125
87112 NM ALBUQUERQUE Single Family 9.125 0.5 0 0.0125
85014 AZ PHOENIX Condominium 11.375 0.5 0 0.0125
37659 TN JONESBOROUGH Single Family 9.875 0.5 0 0.0125
23456 VA VIRGINIA BEACH Single Family 11 0.5 0 0.0125
34471 FL OCALA PUD 12.25 0.5 0 0.0125
46235 IN INDIANAPOLIS PUD 10.875 0.5 0 0.0125
36117 XX XXXXXXXXXX PUD 10.125 0.5 0 0.0125
17603 PA LANCASTER 2-4 Family 11 0.5 0 0.0125
12601 NY POUGHKEEPSIE Single Family 13.25 0.5 0 0.0125
91706 CA XXXXXXX PARK Single Family 10.25 0.5 0 0.0125
29745 SC YORK PUD 11.875 0.5 0 0.0125
83204 ID POCATELLO 2-4 Family 11.5 0.5 0 0.0125
95223 CA XXXXXX PUD 11 0.5 0 0.0125
10940 NY MIDDLETOWN Single Family 11 0.5 0 0.0125
85331 AZ CAVE CREEK Single Family 9.625 0.5 0 0.0125
85648 AZ RIO RICO PUD 10.25 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 13 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 12.875 0.5 0 0.0125
98270 WA MARYSVILLE PUD 9.625 0.5 0 0.0125
85225 AZ CHANDLER PUD 12 0.5 0 0.0125
85335 AZ EL MIRAGE PUD 10.625 0.5 0 0.0125
85035 AZ PHOENIX Single Family 10.875 0.5 0 0.0125
95127 CA SAN XXXX Condominium 10.125 0.5 0 0.0125
93551 CA PALMDALE Single Family 10.875 0.5 0 0.0125
89135 NV LAS VEGAS Single Family 9.875 0.5 0 0.0125
89123 NV LAS VEGAS Single Family 9.625 0.5 0 0.0125
84078 UT VERNAL PUD 11.625 0.5 0 0.0125
17961 PA DEER LAKE Single Family 10.25 0.5 0 0.0125
92407 CA SAN BERNARDINO Single Family 10.5 0.5 0 0.0125
95023 CA HOLLISTER Single Family 11.125 0.5 0 0.0125
95624 CA ELK GROVE Single Family 11.75 0.5 0 0.0125
94947 CA NOVATO Single Family 9.875 0.5 0 0.0125
95037 CA XXXXXX XXXX Single Family 11.5 0.5 0 0.0125
95127 CA SAN XXXX PUD 10.5 0.5 0 0.0125
85335 AZ EL MIRAGE PUD 12.375 0.5 0 0.0125
95132 CA SAN XXXX Condominium 11.5 0.5 0 0.0125
91790 CA WEST COVINA Single Family 11 0.5 0 0.0125
95133 CA SAN XXXX Condominium 9.625 0.5 0 0.0125
99205 WA SPOKANE Single Family 11 0.5 0 0.0125
89119 NV LAS VEGAS Condominium 11.5 0.5 0 0.0125
89148 NV LAS VEGAS Condominium 10.625 0.5 0 0.0125
96753 HI KIHEI Condominium 10.25 0.5 0 0.0125
46040 IN NOBLESVILLE Single Family 10.25 0.5 0 0.0125
89506 NV RENO PUD 13.375 0.5 0 0.0125
92345 CA HESPERIA Single Family 10.5 0.5 0 0.0125
21218 MD BALTIMORE Single Family 10.875 0.5 0 0.0125
20136 VA XXXXXXX Single Family 12.875 0.5 0 0.0125
4330 ME AUGUSTA Single Family 11.875 0.5 0 0.0125
28110 NC MONROE Single Family 14.125 0.5 0 0.0125
15205 PA PITTSBURGH 2-4 Family 14.5 0.5 0 0.0125
32218 FL JACKSONVILLE PUD 12.25 0.5 0 0.0125
2889 RI WARWICK Single Family 11.75 0.5 0 0.0125
20120 VA CENTREVILLE Single Family 11.5 0.5 0 0.0125
86404 AZ LAKE HAVASU CIT Single Family 12 0.5 0 0.0125
85222 AZ CASA GRANDE PUD 12 0.5 0 0.0125
30310 GA ATLANTA 2-4 Family 12.5 0.5 0 0.0125
19904 DE DOVER Single Family 11.5 0.5 0 0.0125
20774 MD UPPER MARLBORO PUD 11 0.5 0 0.0125
37218 TN NASHVILLE Single Family 13.625 0.5 0 0.0125
47401 IN BLOOMINGTON PUD 13.125 0.5 0 0.0125
92596 CA WINCHESTER Single Family 10.25 0.5 0 0.0125
94702 CA BERKELEY Single Family 11.75 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 12.5 0.5 0 0.0125
37218 TN NASHVILLE Single Family 10.375 0.5 0 0.0125
21702 MD XXXXXXXXX PUD 12.375 0.5 0 0.0125
83254 ID MONTPELIER Single Family 12.875 0.5 0 0.0125
29640 SC EASLEY 2-4 Family 11 0.5 0 0.0125
34769 FL ST. CLOUD PUD 11 0.5 0 0.0125
89523 NV RENO PUD 11.25 0.5 0 0.0125
29640 SC XXXXXX 2-4 Family 11 0.5 0 0.0125
85027 AZ PHOENIX Condominium 14 0.5 0 0.0125
49316 MI CALEDONIA Single Family 13 0.5 0 0.0125
99301 WA PASCO PUD 12.625 0.5 0 0.0125
79912 TX EL PASO Single Family 10.875 0.5 0 0.0125
92203 CA INDIO PUD 10.25 0.5 0 0.0125
82601 WY CASPER Single Family 10.625 0.5 0 0.0125
92223 CA BEAUMONT Single Family 12 0.5 0 0.0125
30253 GA XXXXXXXXX PUD 11.375 0.5 0 0.0125
20011 DC WASHINGTON Condominium 11.625 0.5 0 0.0125
63103 MO ST. LOUIS Hi-Rise Condo 11.375 0.5 0 0.0125
19971 DE REHOB0TH BEACH Condominium 10.75 0.5 0 0.0125
85302 AZ GLENDALE PUD 11.375 0.5 0 0.0125
2574 MA WEST FALMOUTH Single Family 10.75 0.5 0 0.0125
28208 NC CHARLOTTE 2-4 Family 11.375 0.5 0 0.0125
80203 CO DENVER Single Family 12.75 0.5 0 0.0125
20906 MD SILVER SPRING Single Family 11.75 0.5 0 0.0125
19801 DE WILMINGTON 2-4 Family 13 0.5 0 0.0125
85204 AZ MESA Single Family 10.125 0.5 0 0.0125
32824 FL ORLANDO PUD 9.875 0.5 0 0.0125
50021 IA ANKENY Single Family 11.75 0.5 0 0.0125
85223 AZ ARIZONA CITY 2-4 Family 11.625 0.5 0 0.0125
7062 NJ PLAINFIELD 2-4 Family 14 0.5 0 0.0125
94566 CA PLEASANTON Single Family 9.375 0.5 0 0.0125
30253 GA MCDONOUGH PUD 11.25 0.5 0 0.0125
32818 FL ORLANDO PUD 11 0.5 0 0.0125
92315 CA BIG BEAR LAKE PUD 10.5 0.5 0 0.0125
29579 SC MYRTLE BEACH Condominium 11.5 0.5 0 0.0125
88012 NM LAS CRUCES Single Family 10.625 0.5 0 0.0125
83704 ID BOISE Single Family 10.125 0.5 0 0.0125
20009 DC WASHINGTON Condominium 12.375 0.5 0 0.0125
55110 MN WHITE BEAR LAKE Single Family 10.875 0.5 0 0.0125
83651 ID NAMPA PUD 12.25 0.5 0 0.0125
85239 AZ MARICOPA PUD 12.75 0.5 0 0.0125
85297 AZ GILBERT Single Family 8 0.5 0 0.0125
91316 CA ENCINO Single Family 14.625 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 12.375 0.5 0 0.0125
88012 NM LAS CRUCES Single Family 10 0.5 0 0.0125
87124 NM RIO RANCHO Single Family 11.5 0.5 0 0.0125
89123 NV LAS VEGAS PUD 10.25 0.5 0 0.0125
30342 GA ATLANTA Single Family 12.625 0.5 0 0.0125
92236 CA COACHELLA Single Family 10 0.5 0 0.0125
89014 NV HENDERSON Condominium 9 0.5 0 0.0125
95945 CA GRASS VALLEY Single Family 11.875 0.5 0 0.0125
30342 GA ATLANTA Single Family 12.625 0.5 0 0.0125
83201 ID POCATELLO 2-4 Family 11.625 0.5 0 0.0125
32824 FL ORLANDO PUD 9.25 0.5 0 0.0125
98011 WA BOTHELL Condominium 11.375 0.5 0 0.0125
31005 GA BONAIRE Single Family 10.125 0.5 0 0.0125
85335 AZ EL MIRAGE Single Family 13 0.5 0 0.0125
8751 NJ SEASIDE HEIGHTS Single Family 12.5 0.5 0 0.0125
70461 LA SLIDELL Single Family 12.875 0.5 0 0.0125
92223 CA BEAUMONT Single Family 10.875 0.5 0 0.0125
60446 IL ROMEOVILLE Single Family 14.25 0.5 0 0.0125
21009 MD ABINGDON Single Family 12.125 0.5 0 0.0125
32824 FL ORLANDO PUD 10.75 0.5 0 0.0125
85014 AZ PHOENIX Condominium 10 0.5 0 0.0125
1474 MA WEST XXXXXXXX Single Family 11.5 0.5 0 0.0125
20148 VA ASHBURN PUD 11.125 0.5 0 0.0125
30030 GA DECATUR Single Family 9.625 0.5 0 0.0125
37206 TN NASHVILLE Single Family 13.375 0.5 0 0.0125
17022 PA ELIZABETHTOWN Single Family 11 0.5 0 0.0125
30316 GA ATLANTA 2-4 Family 13.75 0.5 0 0.0125
83642 ID MERIDIAN PUD 11.75 0.5 0 0.0125
2882 RI NARRAGANSETT Single Family 11 0.5 0 0.0125
2882 RI NARRAGANSETT 2-4 Family 11.25 0.5 0 0.0125
30318 GA ATLANTA Single Family 12.875 0.5 0 0.0125
91706 CA IRWINDALE Single Family 10.75 0.5 0 0.0125
32806 FL ORLANDO Single Family 7.75 0.5 0 0.0125
85234 AZ XXXXXXX Condominium 11.375 0.5 0 0.0125
38380 TN SUGAR TREE Single Family 10 0.5 0 0.0125
81503 CO GRAND JUNCTION Single Family 13.5 0.5 0 0.0125
92253 CA LA QUINTA Single Family 9.625 0.5 0 0.0125
34482 FL OCALA Single Family 11 0.5 0 0.0125
80220 CO DENVER Condominium 10.5 0.5 0 0.0125
30083 GA STONE MOUNTAIN Single Family 10.75 0.5 0 0.0125
96732 HI KAHULUI PUD 9.25 0.5 0 0.0125
92562 CA MURRIETA Single Family 13.75 0.5 0 0.0125
48205 MI DETROIT Single Family 13 0.5 0 0.0125
90305 CA INGLEWOOD Condominium 12.375 0.5 0 0.0125
55121 MN EAGAN Condominium 9.75 0.5 0 0.0125
83642 ID MERIDIAN Single Family 10 0.5 0 0.0125
85390 AZ WICKENBURG Single Family 10.5 0.5 0 0.0125
44128 OH CLEVELAND Single Family 10.55 0.5 0 0.0125
60617 IL CHICAGO Single Family 12.425 0.5 0 0.0125
44060 OH MENTOR Single Family 10.55 0.5 0 0.0125
63015 MO CATAWISSA Single Family 13.425 0.5 0 0.0125
44111 OH CLEVELAND 2-4 Family 10.8 0.5 0 0.0125
48228 MI DETROIT Single Family 12.55 0.5 0 0.0125
44095 OH EASTLAKE Single Family 12.55 0.5 0 0.0125
44107 OH LAKEWOOD Condominium 10.05 0.5 0 0.0125
55372 MN PRIOR LAKE Condominium 10.125 0.5 0 0.0125
63080 MO SULLIVAN Single Family 9.8 0.5 0 0.0125
40222 KY LOUISVILLE Single Family 12 0.5 0 0.0125
46236 IN INDIANAPOLIS Single Family 12 0.5 0 0.0125
30157 GA DALLAS 2-4 Family 12.25 0.5 0 0.0125
99712 AK FAIRBANKS Single Family 10.5 0.5 0 0.0125
2909 RI PROVIDENCE 2-4 Family 12.5 0.5 0 0.0125
44070 OH NORTH OLMSTED Single Family 10.05 0.5 0 0.0125
2151 MA REVERE 2-4 Family 10.625 0.5 0 0.0125
44028 OH COLUMBIA STATION Single Family 10.925 0.5 0 0.0125
80543 CO XXXXXXXX PUD 11.625 0.5 0 0.0125
44256 OH MEDINA Single Family 10.925 0.5 0 0.0125
97071 OR WOODBURN Single Family 13 0.5 0 0.0125
43230 OH COLUMBUS Single Family 9.925 0.5 0 0.0125
98010 WA BLACK DIAMOND Single Family 13 0.5 0 0.0125
33055 FL OPA LOCKA Single Family 9.8 0.5 0 0.0125
85006 AZ PHOENIX Single Family 11.875 0.5 0 0.0125
48356 MI HIGHLAND Single Family 10.925 0.5 0 0.0125
30315 GA ATLANTA 2-4 Family 14.5 0.5 0 0.0125
48827 MI XXXXX RAPIDS Single Family 10.05 0.5 0 0.0125
27405 NC GREENSBORO Single Family 12.5 0.5 0 0.0125
89052 NV HENDERSON PUD 14.375 0.5 0 0.0125
55418 MN MINNEAPOLIS Single Family 10 0.5 0 0.0125
63660 MO MINERAL POINT Single Family 13.8 0.5 0 0.0125
48126 MI DEARBORN Single Family 13.675 0.5 0 0.0125
46123 IN AVON Single Family 12.175 0.5 0 0.0125
55362 MN MONTICELLO Single Family 10.125 0.5 0 0.0125
60477 IL TINLEY PARK PUD 11.05 0.5 0 0.0125
44813 OH BELLVILLE Single Family 11.05 0.5 0 0.0125
55106 MN SAINT XXXX Single Family 10.125 0.5 0 0.0125
48843 MI XXXXXX Single Family 14.3 0.5 0 0.0125
63755 XX XXXXXXX Single Family 10.925 0.5 0 0.0125
55416 MN ST.LOUIS PARK Single Family 10.125 0.5 0 0.0125
28075 NC HARRISBURG PUD 10.875 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 12.75 0.5 0 0.0125
32176 FL ORMOND BEACH Single Family 12.675 0.5 0 0.0125
83644 ID MIDDLETON Single Family 11 0.5 0 0.0125
76036 TX XXXXXXX PUD 11.675 0.5 0 0.0125
85050 AZ PHOENIX Condominium 8.25 0.5 0 0.0125
77505 TX PASADENA PUD 9.875 0.5 0 0.0125
97417 OR CANYONVILLE Single Family 11.875 0.5 0 0.0125
76227 TX XXXXXX PUD 9.875 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 11.125 0.5 0 0.0125
75068 TX LITTLE ELM PUD 9.875 0.5 0 0.0125
92392 CA VICTORVILLE Single Family 9.875 0.5 0 0.0125
92675 CA SAN XXXX CAPISTRANO PUD 10.925 0.5 0 0.0125
92392 CA VICTORVILLE Single Family 10 0.5 0 0.0125
00000 XX XXXXXXXXX Single Family 11.3 0.5 0 0.0125
48209 MI DETROIT Single Family 11 0.5 0 0.0125
38555 TN CROSSVILLE Single Family 8.25 0.5 0 0.0125
77429 TX CYPRESS Single Family 9.875 0.5 0 0.0125
77073 TX HOUSTON PUD 9.875 0.5 0 0.0125
74014 OK BROKEN ARROW Single Family 11.425 0.5 0 0.0125
76123 TX FORT WORTH PUD 12.05 0.5 0 0.0125
30044 GA LAWRENCEVILLE PUD 11.8 0.5 0 0.0125
78724 TX AUSTIN PUD 9.875 0.5 0 0.0125
37211 TN NASHVILLE PUD 8.875 0.5 0 0.0125
92010 CA CARLSBAD PUD 10.8 0.5 0 0.0125
92336 CA FONTANA Single Family 10.425 0.5 0 0.0125
48228 MI DETROIT Single Family 11.125 0.5 0 0.0125
95678 CA ROSEVILLE Condominium 12.75 0.5 0 0.0125
20716 MD BOWIE Condominium 12.3 0.5 0 0.0125
20155 VA GAINESVILLE PUD 11.25 0.5 0 0.0125
31525 GA BRUNSWICK Single Family 12.375 0.5 0 0.0125
83314 ID BLISS Single Family 12.625 0.5 0 0.0125
22032 VA FAIRFAX PUD 11.125 0.5 0 0.0125
77373 TX SPRING PUD 9.875 0.5 0 0.0125
78253 TX SAN ANTONIO Single Family 12.3 0.5 0 0.0125
95355 CA MODESTO Single Family 12 0.5 0 0.0125
75070 TX MC XXXXXX Single Family 10.675 0.5 0 0.0125
68137 NE OMAHA Single Family 13.5 0.5 0 0.0125
78223 TX SAN ANTONIO PUD 10.3 0.5 0 0.0125
92624 CA XXXX POINT Single Family 12.75 0.5 0 0.0125
87121 NM ALBUQUERQUE PUD 12.625 0.5 0 0.0125
92583 CA SAN JACINTO Single Family 10.8 0.5 0 0.0125
91911 CA CHULA VISTA Single Family 10.8 0.5 0 0.0125
75035 TX FRISCO PUD 11.675 0.5 0 0.0125
91706 CA XXXXXXX PARK Single Family 11.925 0.5 0 0.0125
29420 SC NORTH CHARLESTON Single Family 12.5 0.5 0 0.0125
29575 SC SURFSIDE BEACH PUD 10.5 0.5 0 0.0125
29406 SC NORTH CHARLESTON PUD 10.5 0.5 0 0.0125
75409 TX XXXX PUD 12.05 0.5 0 0.0125
85339 AZ LAVEEN PUD 10.875 0.5 0 0.0125
85383 AZ PEORIA PUD 10.625 0.5 0 0.0125
20120 VA CENTREVILLE PUD 9.375 0.5 0 0.0125
98390 WA XXXXXX PUD 10 0.5 0 0.0125
85043 AZ PHOENIX PUD 11.875 0.5 0 0.0125
28205 NC CHARLOTTE Single Family 14.375 0.5 0 0.0125
46123 IN AVON PUD 10.25 0.5 0 0.0125
95125 CA SAN XXXX PUD 12.875 0.5 0 0.0125
83686 ID NAMPA PUD 13.25 0.5 0 0.0125
92880 CA CORONA Single Family 11.375 0.5 0 0.0125
80521 CO FORT XXXXXXX Single Family 12.375 0.5 0 0.0125
37013 TN ANTIOCH Single Family 11 0.5 0 0.0125
31410 GA SAVANNAH Single Family 11.675 0.5 0 0.0125
29445 SC GOOSE CREEK Single Family 10.5 0.5 0 0.0125
31404 GA SAVANNAH Single Family 10.05 0.5 0 0.0125
29412 SC CHARLESTON Single Family 10.5 0.5 0 0.0125
30273 GA XXX Single Family 8.925 0.5 0 0.0125
78045 TX LAREDO Single Family 9.875 0.5 0 0.0125
75078 TX PROSPER PUD 10 0.5 0 0.0125
3106 NH HOOKSETT Single Family 12.25 0.5 0 0.0125
41042 KY FLORENCE PUD 10.125 0.5 0 0.0125
20746 MD SUITLAND Single Family 10.5 0.5 0 0.0125
85228 AZ COOLIDGE PUD 12.375 0.5 0 0.0125
18210 PA ALBRIGHTSVILLE PUD 10 0.5 0 0.0125
22701 VA CULPEPER PUD 9.375 0.5 0 0.0125
34747 FL KISSIMMEE Condominium 11.875 0.5 0 0.0125
83202 ID CHUBBUCK Single Family 11.25 0.5 0 0.0125
85374 AZ SURPRISE PUD 12.375 0.5 0 0.0125
92399 CA YUCAIPA Condominium 10.25 0.5 0 0.0125
30144 GA KENNESAW Single Family 11 0.5 0 0.0125
83221 ID BLACKFOOT Single Family 11.125 0.5 0 0.0125
85086 AZ PHOENIX Single Family 11 0.5 0 0.0125
30214 GA FAYETTEVILLE PUD 8.125 0.5 0 0.0125
55123 MN XXXXX Single Family 12.125 0.5 0 0.0125
76123 TX FORT WORTH PUD 11.125 0.5 0 0.0125
95204 CA STOCKTON Single Family 10.5 0.5 0 0.0125
20105 VA ALDIE PUD 11.75 0.5 0 0.0125
78041 TX LAREDO Single Family 9.875 0.5 0 0.0125
60544 IL PLAINFIELD Single Family 13.625 0.5 0 0.0125
78223 TX SAN ANTONIO Single Family 9.875 0.5 0 0.0125
27320 NC REIDSVILLE Single Family 12.425 0.5 0 0.0125
1220 MA XXXXX 2-4 Family 13.625 0.5 0 0.0125
92585 CA ROMOLAND Single Family 11.75 0.5 0 0.0125
92071 CA SANTEE Condominium 12 0.5 0 0.0125
76020 TX AZLE Single Family 10.125 0.5 0 0.0125
85345 AZ PEORIA PUD 9.75 0.5 0 0.0125
95358 CA MODESTO Single Family 13.5 0.5 0 0.0125
83642 ID MERIDIAN Single Family 11.25 0.5 0 0.0125
75054 TX GRAND PRAIRIE PUD 10.875 0.5 0 0.0125
75087 TX ROCKWALL PUD 10.425 0.5 0 0.0125
85303 AZ GLENDALE PUD 12.5 0.5 0 0.0125
85305 AZ GLENDALE PUD 11.25 0.5 0 0.0125
95843 CA ANTELOPE Single Family 9.875 0.5 0 0.0125
30252 GA XXXXXXXXX Single Family 12.5 0.5 0 0.0125
85239 AZ MARICOPA PUD 10.25 0.5 0 0.0125
80910 CO COLORADO SPRINGS PUD 8.125 0.5 0 0.0125
85239 AZ MARICOPA PUD 11.125 0.5 0 0.0125
89123 NV LAS VEGAS PUD 10.375 0.5 0 0.0125
92346 CA HIGHLAND Single Family 10 0.5 0 0.0125
27713 NC DURHAM PUD 13.125 0.5 0 0.0125
84121 UT SALT LAKE CITY Condominium 11.625 0.5 0 0.0125
95762 CA EL DORADO HILLS PUD 9.375 0.5 0 0.0125
97504 OR MEDFORD 2-4 Family 11.5 0.5 0 0.0125
28269 NC CHARLOTTE PUD 9.875 0.5 0 0.0125
23851 VA FRANKLIN Single Family 11.5 0.5 0 0.0125
97301 OR SALEM Single Family 11 0.5 0 0.0125
41051 KY INDEPENDENCE Single Family 12.25 0.5 0 0.0125
78756 TX AUSTIN Single Family 11.5 0.5 0 0.0125
63631 MO CALEDONIA Single Family 11 0.5 0 0.0125
97124 OR HILLSBORO Single Family 10.5 0.5 0 0.0125
98065 WA SNOQUALMIE Condominium 11.425 0.5 0 0.0125
85255 AZ SCOTTSDALE PUD 11.75 0.5 0 0.0125
20879 MD GAITHERSBURG PUD 11.925 0.5 0 0.0125
89117 NV LAS VEGAS PUD 9.5 0.5 0 0.0125
20853 MD ROCKVILLE Single Family 12.05 0.5 0 0.0125
85224 AZ XXXXXXXX Single Family 12.375 0.5 0 0.0125
17402 PA YORK PUD 13.3 0.5 0 0.0125
89121 NV LAS VEGAS Single Family 10.875 0.5 0 0.0125
27526 NC FUQUAY VARINA Single Family 12 0.5 0 0.0125
70526 XX XXXXXXX Single Family 12 0.5 0 0.0125
4901 ME WATERVILLE 2-4 Family 13.125 0.5 0 0.0125
28025 NC CONCORD PUD 12.55 0.5 0 0.0125
20170 VA HERNDON Condominium 12.3 0.5 0 0.0125
27524 NC FOUR OAKS Single Family 12.55 0.5 0 0.0125
38141 TN MEMPHIS PUD 8.875 0.5 0 0.0125
38127 TN MEMPHIS Single Family 8.875 0.5 0 0.0125
38133 TN MEMPHIS Single Family 8.875 0.5 0 0.0125
38125 TN MEMPHIS Single Family 8.875 0.5 0 0.0125
49508 MI KENTWOOD Single Family 13.625 0.5 0 0.0125
27295 NC LEXINGTON Single Family 11.05 0.5 0 0.0125
33713 FL ST. PETERSBURG Single Family 11.75 0.5 0 0.0125
38106 TN MEMPHIS Single Family 8.625 0.5 0 0.0125
29732 SC XXXXXXXX Single Family 10.75 0.5 0 0.0125
38135 TN BARTLETT Single Family 8.875 0.5 0 0.0125
54613 WI ARKDALE Condominium 11.5 0.5 0 0.0125
38060 TN OAKLAND Single Family 8.875 0.5 0 0.0125
32714 FL ALTAMONTE SPRINGS PUD 13.5 0.5 0 0.0125
37075 TN HENDERSONVILLE PUD 10.625 0.5 0 0.0125
54837 WI XXXXXXXX Single Family 13 0.5 0 0.0125
46250 IN INDIANAPOLIS 2-4 Family 12.625 0.5 0 0.0125
7305 NJ JERSEY CITY 2-4 Family 12.25 0.5 0 0.0125
93536 CA LANCASTER Single Family 12 0.5 0 0.0125
8638 NJ XXXXX TOWNSHIP Single Family 11.425 0.5 0 0.0125
80211 CO DENVER Condominium 13.75 0.5 0 0.0125
95111 CA SAN XXXX 2-4 Family 8.125 0.5 0 0.0125
94801 CA RICHMOND Single Family 9.75 0.5 0 0.0125
95409 CA SANTA XXXX Single Family 11.25 0.5 0 0.0125
92101 CA SAN DIEGO Condominium 12.875 0.5 0 0.0125
92101 CA SAN DIEGO Condominium 12.5 0.5 0 0.0125
95688 CA VACAVILLE PUD 9.5 0.5 0 0.0125
95665 CA PINE GROVE Single Family 10.625 0.5 0 0.0125
94580 CA SAN XXXXXXX PUD 9.375 0.5 0 0.0125
94930 CA FAIRFAX PUD 9.375 0.5 0 0.0125
94611 CA OAKLAND Single Family 10.375 0.5 0 0.0125
95403 CA SANTA XXXX Single Family 10.125 0.5 0 0.0125
94945 CA NOVATO Single Family 6.75 0.5 0 0.0125
95212 CA STOCKTON Single Family 10.25 0.5 0 0.0125
95678 CA ROSEVILLE Single Family 6.25 0.5 0 0.0125
93638 CA MADERA Single Family 11.25 0.5 0 0.0125
89149 NV LAS VEGAS PUD 10.875 0.5 0 0.0125
89031 NV NORTH LAS VEGAS PUD 10.375 0.5 0 0.0125
93535 CA LANCASTER Single Family 11.75 0.5 0 0.0125
21740 MD HAGERSTOWN PUD 10.25 0.5 0 0.0125
31907 GA COLUMBUS Single Family 11.425 0.5 0 0.0125
85262 AZ PHOENIX Single Family 13.25 0.5 0 0.0125
30558 GA MAYSVILLE Single Family 12.55 0.5 0 0.0125
49866 MI NAGUANEE Single Family 11.5 0.5 0 0.0125
30224 GA XXXXXXX Single Family 11.425 0.5 0 0.0125
85006 AZ PHOENIX Single Family 10.125 0.5 0 0.0125
34652 FL NEW PORT XXXXXX Single Family 12.925 0.5 0 0.0125
59718 MT BOZEMAN 2-4 Family 10.25 0.5 0 0.0125
30052 GA LOGANVILLE Single Family 13.925 0.5 0 0.0125
30633 GA DANIELSVILLE PUD 10.55 0.5 0 0.0125
30633 GA DANIELSVILLE Single Family 10.925 0.5 0 0.0125
30506 GA GAINESVILLE Single Family 12.3 0.5 0 0.0125
75640 TX XXXXX Single Family 11.55 0.5 0 0.0125
10304 NY STATEN ISLAND 2-4 Family 12.05 0.5 0 0.0125
48044 MI MACOMB Single Family 13.625 0.5 0 0.0125
30342 GA ATLANTA Single Family 12.675 0.5 0 0.0125
34286 FL NORTH PORT Single Family 9.175 0.5 0 0.0125
22307 VA ALEXANDRIA Single Family 12.675 0.5 0 0.0125
85016 AZ PHOENIX PUD 12.5 0.5 0 0.0125
30052 GA LOGANVILLE PUD 10.675 0.5 0 0.0125
27529 NC XXXXXX PUD 12.925 0.5 0 0.0125
37091 TN LEWISBURG Single Family 8.875 0.5 0 0.0125
21214 MD BALTIMORE Single Family 9.75 0.5 0 0.0125
30122 GA LITHIA SPRINGS Single Family 12 0.5 0 0.0125
85223 AZ ARIZONA CITY 2-4 Family 13.625 0.5 0 0.0125
84003 UT AMERICAN FORK Single Family 12.875 0.5 0 0.0125
65714 MO NIXA Single Family 11.5 0.5 0 0.0125
30135 GA DOUGLASVILLE Single Family 12.5 0.5 0 0.0125
87102 NM ALBUQUERQUE Single Family 10.625 0.5 0 0.0125
30549 GA JEFFERSON Single Family 12 0.5 0 0.0125
88012 NM LAS CRUCES PUD 10.375 0.5 0 0.0125
30044 GA LAWRENCEVILLE PUD 11.425 0.5 0 0.0125
95608 CA XXXXXXXXXX Single Family 11.625 0.5 0 0.0125
30628 GA COLBERT Single Family 9.675 0.5 0 0.0125
92562 CA MURRIETA Condominium 10.75 0.5 0 0.0125
8232 NJ PLEASANTVILLE Single Family 12.05 0.5 0 0.0125
29223 SC COLUMBIA PUD 12 0.5 0 0.0125
22546 VA XXXXXX XXXX PUD 12.425 0.5 0 0.0125
29645 SC XXXX COURT Single Family 12.425 0.5 0 0.0125
84010 UT BOUNTIFUL Single Family 12.675 0.5 0 0.0125
80014 CO AURORA Single Family 10.8 0.5 0 0.0125
80022 CO COMMERCE CITY Single Family 11.925 0.5 0 0.0125
80218 CO DENVER Condominium 11.55 0.5 0 0.0125
37013 TN ANTIOCH Single Family 8.875 0.5 0 0.0125
80138 CO XXXXXX Single Family 9.8 0.5 0 0.0125
30044 GA LAWRENCEVILLE PUD 12.3 0.5 0 0.0125
23434 VA SUFFOLK 2-4 Family 13.625 0.5 0 0.0125
75077 TX LEWISVILLE Single Family 11.675 0.5 0 0.0125
30004 GA ALPHARETTA PUD 12.925 0.5 0 0.0125
87121 NM ALBUQUERQUE Single Family 12 0.5 0 0.0125
59718 MT BOZEMAN 2-4 Family 9.25 0.5 0 0.0125
44683 OH UHRICHSVILLE Single Family 12 0.5 0 0.0125
83301 ID TWIN FALLS Single Family 10.375 0.5 0 0.0125
20743 MD CAPITOL HEIGHTS Single Family 12.125 0.5 0 0.0125
85236 AZ XXXXXX PUD 11.25 0.5 0 0.0125
29483 SC SUMMERVILLE Single Family 10.5 0.5 0 0.0125
85326 AZ BUCKEYE PUD 10.875 0.5 0 0.0125
76179 TX FORT WORTH PUD 11.55 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 10.875 0.5 0 0.0125
76201 TX DENTON Single Family 10.8 0.5 0 0.0125
92505 CA RIVERSIDE Single Family 10.625 0.5 0 0.0125
80129 CO LITTLETON PUD 11.925 0.5 0 0.0125
83704 ID BOISE Condominium 11 0.5 0 0.0125
30144 GA KENNESAW PUD 11.875 0.5 0 0.0125
37042 TN CLARKSVILLE Single Family 8.625 0.5 0 0.0125
70726 LA DENHAM SPRINGS Single Family 12.55 0.5 0 0.0125
38401 TN COLUMBIA Single Family 8.875 0.5 0 0.0125
37043 TN CLARKSVILLE Single Family 8.875 0.5 0 0.0125
70814 LA BATON ROUGE Single Family 13.675 0.5 0 0.0125
77375 TX TOMBALL PUD 11.55 0.5 0 0.0125
84014 UT CENTERVILLE Condominium 10.625 0.5 0 0.0125
30157 GA DALLAS Single Family 12.5 0.5 0 0.0125
80910 CO COLORADO SPRINGS PUD 12.625 0.5 0 0.0125
36117 XX XXXXXXXXXX Single Family 12.125 0.5 0 0.0125
85003 AZ PHOENIX Single Family 12.75 0.5 0 0.0125
30680 GA WINDER PUD 11.5 0.5 0 0.0125
80917 CO COLORADO SPRINGS Single Family 10.875 0.5 0 0.0125
85296 AZ GILBERT PUD 11.125 0.5 0 0.0125
74132 OK TULSA PUD 9.625 0.5 0 0.0125
83703 ID BOISE PUD 11.125 0.5 0 0.0125
78613 TX CEDAR PARK PUD 12 0.5 0 0.0125
89131 NV LAS VEGAS PUD 13.25 0.5 0 0.0125
80123 CO LITTLETON PUD 12.625 0.5 0 0.0125
98837 WA MOSES LAKE Single Family 11.25 0.5 0 0.0125
15329 PA PROSPERITY 2-4 Family 12.5 0.5 0 0.0125
88012 NM LAS CRUSES Single Family 11 0.5 0 0.0125
19020 PA BENSALEM Condominium 11.125 0.5 0 0.0125
76226 TX LANTANA PUD 11 0.5 0 0.0125
82007 WY CHEYENNE Single Family 11.125 0.5 0 0.0125
48126 MI DEARBORN Single Family 12.25 0.5 0 0.0125
83651 ID NAMPA PUD 11.125 0.5 0 0.0125
2780 MA TAUNTON Single Family 10.5 0.5 0 0.0125
33178 FL DORAL PUD 11.3 0.5 0 0.0125
92879 CA CORONA Single Family 10.8 0.5 0 0.0125
32708 FL WINTER SPRINGS PUD 10.425 0.5 0 0.0125
34983 FL PORT SAINT LUCIE Single Family 12.3 0.5 0 0.0125
32808 FL ORLANDO Single Family 10.925 0.5 0 0.0125
32225 FL JACKSONVILLE PUD 12.55 0.5 0 0.0125
34120 FL NAPLES Single Family 10.675 0.5 0 0.0125
32548 FL FORT XXXXXX BEACH Single Family 11.8 0.5 0 0.0125
33029 FL PEMBROKE PINES Single Family 11.175 0.5 0 0.0125
89015 NV HENDERSON Single Family 13 0.5 0 0.0125
55805 MN DULUTH 2-4 Family 11.5 0.5 0 0.0125
89122 NV LAS VEGAS PUD 10.75 0.5 0 0.0125
28227 NC CHARLOTTE Single Family 11.125 0.5 0 0.0125
30248 GA LOCUST GROVE Single Family 11.75 0.5 0 0.0125
20783 MD HYATTSVILLE Single Family 11.25 0.5 0 0.0125
1876 MA TEWKSBURY Single Family 12 0.5 0 0.0125
23233 VA RICHMOND Single Family 11.5 0.5 0 0.0125
15202 PA PITTSBURGH 2-4 Family 13 0.5 0 0.0125
33428 FL BOCA RATON Condominium 11.675 0.5 0 0.0125
55428 MN NEW HOPE Single Family 10.125 0.5 0 0.0125
23430 VA SMITHFIELD PUD 10.625 0.5 0 0.0125
22306 VA ALEXANDRIA PUD 11.3 0.5 0 0.0125
18466 PA TOBYHANNA PUD 11.05 0.5 0 0.0125
3276 NH TILTON 2-4 Family 11.875 0.5 0 0.0125
92404 CA SAN BERNARDINO Condominium 12.125 0.5 0 0.0125
23661 VA HAMPTON Single Family 11.425 0.5 0 0.0125
30307 GA ATLANTA Single Family 11.3 0.5 0 0.0125
30047 GA LILBURN Single Family 11.3 0.5 0 0.0125
44138 OH XXXXXXXX FALLS Condominium 9.99 0.5 0 0.0125
8629 NJ TRENTON Single Family 12 0.5 0 0.0125
33189 FL MIAMI PUD 9.45 0.5 0 0.0125
33035 FL HOMESTEAD PUD 8.65 0.5 0 0.0125
30044 GA LAWRENCEVILLE Single Family 9.55 0.5 0 0.0125
85379 AZ SURPRISE PUD 11.99 0.5 0 0.0125
6088 CT EAST WINDSOR Single Family 12 0.5 0 0.0125
20748 MD TEMPLE HILLS Single Family 9 0.5 0 0.0125
75094 TX XXXXXX PUD 9.99 0.5 0 0.0125
78578 TX LAGUNA VISTA Single Family 9.99 0.5 0 0.0125
33023 FL HOLLYWOOD Single Family 11.55 0.5 0 0.0125
7522 NJ PATERSON Single Family 11.75 0.5 0 0.0125
85041 AZ PHOENIX PUD 12 0.5 0 0.0125
7003 NJ BLOOMFIELD Single Family 9.99 0.5 0 0.0125
34652 FL NEW PORT XXXXXX Single Family 10.65 0.5 0 0.0125
34972 FL OKEECHOBEE Single Family 12 0.5 0 0.0125
97113 OR XXXXXXXXX Single Family 11.3 0.5 0 0.0125
34986 FL PORT SAINT LUCI Single Family 11.8 0.5 0 0.0125
97206 OR PORTLAND Single Family 15.75 0.5 0 0.0125
86401 AZ KINGMAN Single Family 14.125 0.5 0 0.0125
33436 FL BOYNTON BEACH PUD 9.45 0.5 0 0.0125
33068 FL MARGATE PUD 9.99 0.5 0 0.0125
92882 CA CORONA Single Family 9.5 0.5 0 0.0125
2920 RI CRANSTON Single Family 12 0.5 0 0.0125
6339 CT LEDYARD Single Family 9 0.5 0 0.0125
92506 CA RIVERSIDE Condominium 11.99 0.5 0 0.0125
33073 FL COCONUT CREEK PUD 8.5 0.5 0 0.0125
33913 FL FORT XXXXX Single Family 9.99 0.5 0 0.0125
30115 GA CANTON Single Family 12 0.5 0 0.0125
33321 FL TAMARAC Condominium 9.35 0.5 0 0.0125
33144 FL MIAMI Single Family 9.99 0.5 0 0.0125
33142 FL MIAMI Single Family 9.99 0.5 0 0.0125
16667 PA OSTERBURG Single Family 9.5 0.5 0 0.0125
33033 FL HOMESTEAD Single Family 8.65 0.5 0 0.0125
33064 FL POMPANO BEACH Single Family 9.95 0.5 0 0.0125
37354 TN MADISONVILLE Single Family 8.42 0.5 0 0.0125
55112 MN NEW BRIGHTON Single Family 12 0.5 0 0.0125
33055 FL OPA LOCKA Single Family 10.75 0.5 0 0.0125
33027 FL MIRAMAR PUD 11.3 0.5 0 0.0125
47396 IN YORKTOWN Single Family 10.75 0.5 0 0.0125
11743 NY HUNTINGTON Single Family 12 0.5 0 0.0125
33311 FL FORT LAUDERDALE Single Family 11.05 0.5 0 0.0125
33912 FL FORT XXXXX Single Family 9.99 0.5 0 0.0125
74134 OK TULSA Single Family 9.99 0.5 0 0.0125
91791 CA WEST COVINA Single Family 9.99 0.5 0 0.0125
33021 FL HOLLYWOOD Single Family 9.99 0.5 0 0.0125
93245 CA LEMOORE Single Family 9.85 0.5 0 0.0125
7003 NJ BLOOMFIELD Single Family 9.99 0.5 0 0.0125
75904 TX LUFKIN Single Family 9.99 0.5 0 0.0125
20744 MD FORT WASHINGTON Single Family 12 0.5 0 0.0125
33065 FL CORAL SPRINGS Single Family 9.35 0.5 0 0.0125
98404 WA TACOMA Single Family 12 0.5 0 0.0125
77049 TX HOUSTON PUD 9.35 0.5 0 0.0125
33029 FL MIRAMAR PUD 9.99 0.5 0 0.0125
92507 CA RIVERSIDE Single Family 11.5 0.5 0 0.0125
33325 FL DAVIE Single Family 8.75 0.5 0 0.0125
33012 FL HIALEAH Condominium 8.65 0.5 0 0.0125
33407 FL WEST PALM BEACH Single Family 9.75 0.5 0 0.0125
55117 MN SAINT XXXX Single Family 12 0.5 0 0.0125
96797 HI WAIPAHU PUD 9.99 0.5 0 0.0125
33178 FL MIAMI PUD 8.65 0.5 0 0.0125
33032 FL HOMESTEAD Single Family 9.49 0.5 0 0.0125
11727 NY CORAM Single Family 10.55 0.5 0 0.0125
3301 NH CONCORD Single Family 9.65 0.5 0 0.0125
77346 TX HUMBLE PUD 9.99 0.5 0 0.0125
29611 SC GREENVILLE Single Family 9.99 0.5 0 0.0125
33031 FL HOMESTEAD Single Family 8.65 0.5 0 0.0125
32210 FL JACKSONVILLE PUD 10.6 0.5 0 0.0125
33810 FL LAKELAND Single Family 12 0.5 0 0.0125
74012 OK BROKEN ARROW Single Family 9.99 0.5 0 0.0125
20785 MD LANDOVER Single Family 10.65 0.5 0 0.0125
12603 NY POUGHKEEPSIE Single Family 10.75 0.5 0 0.0125
15238 PA PITTSBURGH PUD 10.65 0.5 0 0.0125
30548 GA HOSCHTON PUD 10.75 0.5 0 0.0125
44408 OH COLUMBIANA 2-4 Family 11.15 0.5 0 0.0125
33983 FL PUNTA GORDA Single Family 9.99 0.5 0 0.0125
34947 FL FORT XXXXXX Single Family 8.65 0.5 0 0.0125
80538 CO LOVELAND Single Family 12 0.5 0 0.0125
93536 CA LANCASTER Single Family 9 0.5 0 0.0125
33015 FL MIAMI PUD 9 0.5 0 0.0125
74066 OK SAPULPA Single Family 9.99 0.5 0 0.0125
34116 FL NAPLES Single Family 9.99 0.5 0 0.0125
7305 NJ JERSEY CITY 2-4 Family 9.99 0.5 0 0.0125
20874 MD GERMANTOWN Single Family 10.75 0.5 0 0.0125
92804 CA ANAHEIM Single Family 8.65 0.5 0 0.0125
33145 FL MIAMI 2-4 Family 9.99 0.5 0 0.0125
33319 FL TAMARAC Condominium 11.15 0.5 0 0.0125
30094 GA XXXXXXX Single Family 12 0.5 0 0.0125
33175 FL MIAMI Condominium 9.99 0.5 0 0.0125
90650 CA NORWALK Single Family 9.99 0.5 0 0.0125
33179 FL MIAMI Single Family 8.65 0.5 0 0.0125
55433 MN XXXX RAPIDS Single Family 12 0.5 0 0.0125
75034 TX FRISCO PUD 9.99 0.5 0 0.0125
20657 MD LUSBY Single Family 12.8 0.5 0 0.0125
2889 RI WARWICK Single Family 11.137 0.5 0 0.0125
77346 TX HUMBLE Single Family 9.99 0.5 0 0.0125
98198 WA SEATAC Single Family 9.99 0.5 0 0.0125
11798 NY WYANDANCH Single Family 12 0.5 0 0.0125
90805 CA LONG BEACH Single Family 10 0.5 0 0.0125
61008 IL BELVIDERE Single Family 12 0.5 0 0.0125
92394 CA VICTORVILLE Single Family 9.75 0.5 0 0.0125
37804 TN MARYVILLE Single Family 8.42 0.5 0 0.0125
7003 NJ BLOOMFIELD 2-4 Family 9.99 0.5 0 0.0125
2149 MA XXXXXXX 2-4 Family 9.99 0.5 0 0.0125
7093 NJ WEST NEW YORK 2-4 Family 10.99 0.5 0 0.0125
33193 FL MIAMI Condominium 9.99 0.5 0 0.0125
90802 CA LONG BEACH Condominium 9.99 0.5 0 0.0125
33415 FL WEST PALM BEACH Condominium 9.25 0.5 0 0.0125
55420 MN BLOOMINGTON Single Family 7.99 0.5 0 0.0125
33461 FL PALM SPRINGS Single Family 9.99 0.5 0 0.0125
2703 MA ATTLEBORO Single Family 8.65 0.5 0 0.0125
48145 MI LA SALLE Single Family 9.99 0.5 0 0.0125
92407 CA SAN BERNARDINO Single Family 9.99 0.5 0 0.0125
45217 OH CINCINNATI Single Family 12 0.5 0 0.0125
30032 GA DECATUR Single Family 9.99 0.5 0 0.0125
34117 FL NAPLES Single Family 9.99 0.5 0 0.0125
33133 FL MIAMI Condominium 12 0.5 0 0.0125
33018 FL MIAMI Single Family 9.35 0.5 0 0.0125
93257 CA PORTERVILLE Single Family 8.75 0.5 0 0.0125
34746 FL KISSIMMEE PUD 10.75 0.5 0 0.0125
29229 SC COLUMBIA Single Family 12 0.5 0 0.0125
34983 FL PORT SAINT LUCI Single Family 12 0.5 0 0.0125
33155 FL MIAMI Condominium 10.15 0.5 0 0.0125
11703 NY NORTH BABYLON Single Family 9.35 0.5 0 0.0125
32311 FL TALLAHASSEE PUD 11.5 0.5 0 0.0125
10977 NY SPRING VALLEY Single Family 12 0.5 0 0.0125
33023 FL PEMBROKE PARK PUD 9.99 0.5 0 0.0125
33065 FL CORAL SPRINGS Condominium 9.99 0.5 0 0.0125
33417 FL WEST PALM BEACH Single Family 9.99 0.5 0 0.0125
33312 FL FORT LAUDERDALE Single Family 9.5 0.5 0 0.0125
33810 FL LAKELAND Single Family 10.75 0.5 0 0.0125
11706 NY BAY SHORE Single Family 9.99 0.5 0 0.0125
92543 CA HEMET Single Family 9.99 0.5 0 0.0125
33322 FL SUNRISE Single Family 9.99 0.5 0 0.0125
44870 OH SANDUSKY Single Family 9.99 0.5 0 0.0125
90047 CA LOS ANGELES Single Family 12 0.5 0 0.0125
33411 FL ROYAL PALM BEAC Single Family 11.75 0.5 0 0.0125
98058 WA RENTON Single Family 12 0.5 0 0.0125
30318 GA ATLANTA Single Family 12 0.5 0 0.0125
23452 VA VIRGINIA BEACH Single Family 9.9 0.5 0 0.0125
33162 FL NORTH MIAMI BEA Single Family 9.99 0.5 0 0.0125
33428 FL BOCA RATON Single Family 9.99 0.5 0 0.0125
92220 CA BANNING Single Family 11.9 0.5 0 0.0125
7840 NJ HACKETTSTOWN Single Family 10.75 0.5 0 0.0125
48227 MI DETROIT Single Family 12 0.5 0 0.0125
33313 FL SUNRISE Single Family 10.65 0.5 0 0.0125
33324 FL DAVIE Condominium 9.99 0.5 0 0.0125
11692 NY ARVERNE 2-4 Family 9.35 0.5 0 0.0125
73003 OK EDMOND Single Family 9.99 0.5 0 0.0125
7055 NJ PASSAIC Single Family 9.55 0.5 0 0.0125
66605 KS TOPEKA Single Family 8.99 0.5 0 0.0125
10308 NY STATEN ISLAND Single Family 9 0.5 0 0.0125
28031 NC XXXXXXXXX Condominium 8.75 0.5 0 0.0125
33189 FL MIAMI Single Family 9.99 0.5 0 0.0125
34120 FL NAPLES Single Family 12 0.5 0 0.0125
89107 NV LAS VEGAS Single Family 9.99 0.5 0 0.0125
33062 FL HILLSBORO BEACH Condominium 12 0.5 0 0.0125
33319 FL LAUDERHILL Single Family 9.99 0.5 0 0.0125
40422 KY DANVILLE Single Family 10.75 0.5 0 0.0125
33415 FL WEST PALM BEACH Single Family 11.25 0.5 0 0.0125
33067 FL PARKLAND Condominium 9.35 0.5 0 0.0125
34953 FL PORT ST LUCIE Single Family 12 0.5 0 0.0125
23112 VA MIDLOTHIAN Single Family 12 0.5 0 0.0125
22701 VA CULPEPER PUD 9.99 0.5 0 0.0125
12401 NY KINGSTON Single Family 12 0.5 0 0.0125
46360 IN MICHIGAN CITY Single Family 11.49 0.5 0 0.0125
34120 FL NAPLES Single Family 9.99 0.5 0 0.0125
28262 NC CHARLOTTE Single Family 12 0.5 0 0.0125
76063 TX MANSFIELD PUD 9.99 0.5 0 0.0125
55322 MN COLOGNE Single Family 8.99 0.5 0 0.0125
33404 FL WEST PALM BEACH Condominium 9.99 0.5 0 0.0125
7208 NJ XXXXXXXXX Single Family 11.75 0.5 0 0.0125
95054 CA SANTA XXXXX Single Family 10.5 0.5 0 0.0125
92630 CA LAKE FOREST Single Family 9.25 0.5 0 0.0125
93313 CA BAKERSFIELD Single Family 10.125 0.5 0 0.0125
92264 CA PALM SPRINGS Single Family 11.75 0.5 0 0.0125
92264 CA PALM SPRINGS Single Family 11.5 0.5 0 0.0125
95037 CA XXXXXX XXXX 2-4 Family 10.75 0.5 0 0.0125
94585 CA SUISUN CITY Single Family 8.875 0.5 0 0.0125
94080 CA SOUTH SAN FRANCISCO Single Family 10.375 0.5 0 0.0125
94947 CA NOVATO Condominium 11.625 0.5 0 0.0125
94117 CA SAN FRANCISCO 2-4 Family 8 0.5 0 0.0125
95386 CA WATERFORD Single Family 9.5 0.5 0 0.0125
95631 CA FORESHILL Single Family 8.375 0.5 0 0.0125
95472 CA SEBASTOPOL Single Family 10.25 0.5 0 0.0125
95476 CA SONOMA Single Family 8.375 0.5 0 0.0125
95409 CA SAN XXXXXX Single Family 9.75 0.5 0 0.0125
92123 CA SAN DIEGO Single Family 11.125 0.5 0 0.0125
94518 CA CONCORD Single Family 9.625 0.5 0 0.0125
94110 CA SAN FRANCISCO Single Family 11.875 0.5 0 0.0125
91604 CA STUDIO CITY Single Family 9.375 0.5 0 0.0125
92223 CA BEAUMONT PUD 10 0.5 0 0.0125
95351 CA MODESTO Single Family 10.5 0.5 0 0.0125
94928 CA ROHNERT PARK PUD 9.625 0.5 0 0.0125
94553 CA XXXXXXXX Single Family 8 0.5 0 0.0125
94608 CA OAKLAND PUD 10.375 0.5 0 0.0125
94044 CA PACIFIC Single Family 11.25 0.5 0 0.0125
95838 CA SACRAMENTO Single Family 11.625 0.5 0 0.0125
94501 CA ALAMEDA 2-4 Family 8.5 0.5 0 0.0125
95111 CA SAN XXXX Single Family 11.375 0.5 0 0.0125
94122 CA SAN FRANCISCO Single Family 7 0.5 0 0.0125
95949 CA GRASS VALLEY Single Family 6.5 0.5 0 0.0125
94582 CA SAN XXXXX PUD 10.375 0.5 0 0.0125
93710 CA FRESNO Single Family 9.875 0.5 0 0.0125
94530 CA EL CERRITO Single Family 8.375 0.5 0 0.0125
94947 CA NOVATO Single Family 11 0.5 0 0.0125
95111 CA SAN XXXX Condominium 9 0.5 0 0.0125
94928 CA ROHNERT PARK Single Family 10.625 0.5 0 0.0125
94303 CA EAST PALO ALTO Single Family 11.125 0.5 0 0.0125
94590 CA VALLEJO Single Family 8.875 0.5 0 0.0125
94558 CA NAPA Single Family 10.375 0.5 0 0.0125
94949 CA NOVATO PUD 8 0.5 0 0.0125
92252 CA XXXXXX TREE Single Family 10.625 0.5 0 0.0125
95446 CA GUERNEVILLE Single Family 11.375 0.5 0 0.0125
94954 CA PETALUMA Single Family 10.25 0.5 0 0.0125
95476 CA SONOMA Single Family 10.125 0.5 0 0.0125
94903 CA SAN XXXXXX Single Family 8.25 0.5 0 0.0125
93536 CA LANCASTER Condominium 9.25 0.5 0 0.0125
91387 CA CANYON COUNRY Condominium 10.5 0.5 0 0.0125
95834 CA SACRAMENTO Single Family 9.125 0.5 0 0.0125
94925 CA CORTE MADERA Single Family 11.5 0.5 0 0.0125
90026 CA LOS ANGELES Single Family 10 0.5 0 0.0125
90024 CA LOS ANGELES Condominium 10.25 0.5 0 0.0125
92704 CA SANTA XXX Single Family 12.25 0.5 0 0.0125
91344 CA GRANADA HILLS Single Family 8.125 0.5 0 0.0125
89145 NV LAS VEGAS Single Family 10.6 0.5 0 0.0125
66801 KS EMPORIA Single Family 9.342 0.5 0 0.0125
98375 WA PUYALLUP Single Family 11.8 0.5 0 0.0125
89123 NV LAS VEGAS Single Family 10.99 0.5 0 0.0125
91406 CA VAN NUYS Single Family 9.5 0.5 0 0.0125
90221 CA COMPTON Single Family 9.85 0.5 0 0.0125
49548 MI KENTWOOD Single Family 10.3 0.5 0 0.0125
89131 NV LAS VEGAS PUD 9.35 0.5 0 0.0125
90745 CA XXXXXX Single Family 9.5 0.5 0 0.0125
75229 TX DALLAS PUD 9.99 0.5 0 0.0125
92595 CA WILDOMAR Single Family 11.4 0.5 0 0.0125
6320 CT NEW LONDON 2-4 Family 11.05 0.5 0 0.0125
90670 CA SANTA FE SPRING Single Family 12 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 8.99 0.5 0 0.0125
23666 VA HAMPTON Single Family 10.75 0.5 0 0.0125
85207 AZ MESA Single Family 9.5 0.5 0 0.0125
98290 WA SNOHOMISH Single Family 9.35 0.5 0 0.0125
97123 OR HILLSBORO Single Family 8.99 0.5 0 0.0125
94014 CA XXXX CITY Single Family 11.5 0.5 0 0.0125
94507 CA ALAMO Single Family 10.99 0.5 0 0.0125
85303 AZ GLENDALE PUD 11.5 0.5 0 0.0125
94534 CA FAIRFIELD Single Family 11.875 0.5 0 0.0125
94551 CA LIVERMORE PUD 10.75 0.5 0 0.0125
93305 CA BAKERSFIELD 2-4 Family 10.5 0.5 0 0.0125
33742 FL ST PETERSBURG Single Family 10.85 0.5 0 0.0125
90660 CA PICO XXXXXX PUD 8.65 0.5 0 0.0125
91977 CA SPRING VALLEY Single Family 10 0.5 0 0.0125
63368 MO DARDENNE PRAIRI Single Family 9.35 0.5 0 0.0125
92571 CA PERRIS Single Family 11.25 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 12 0.5 0 0.0125
23462 VA VIRGINIA BEACH Single Family 11.6 0.5 0 0.0125
34232 FL SARASOTA Single Family 9.99 0.5 0 0.0125
92557 CA XXXXXX VALLEY Single Family 9.99 0.5 0 0.0125
92557 CA XXXXXX VALLEY Single Family 12 0.5 0 0.0125
33324 FL PLANTATION Condominium 10.35 0.5 0 0.0125
34953 FL PORT SAINT LUCI Single Family 9.8 0.5 0 0.0125
33322 FL SUNRISE Single Family 8.65 0.5 0 0.0125
95842 CA SACRAMENTO Single Family 9 0.5 0 0.0125
98188 WA SEATAC Single Family 9.99 0.5 0 0.0125
2632 MA CENTERVILLE Single Family 12 0.5 0 0.0125
33177 FL MIAMI Single Family 8.65 0.5 0 0.0125
30011 GA AUBURN Single Family 12 0.5 0 0.0125
30060 GA MARIETTA Single Family 12 0.5 0 0.0125
33018 FL HIALEAH Condominium 9.99 0.5 0 0.0125
77004 TX HOUSTON Single Family 9.99 0.5 0 0.0125
33030 FL HOMESTEAD Single Family 12 0.5 0 0.0125
46307 IN CROWN POINT Single Family 12.5 0.5 0 0.0125
33064 FL POMPANO BEACH Single Family 9.99 0.5 0 0.0125
14086 NY LANCASTER Single Family 11.35 0.5 0 0.0125
94561 CA OAKLEY Single Family 11.75 0.5 0 0.0125
33321 FL TAMARAC Single Family 9.49 0.5 0 0.0125
23701 VA PORTSMOUTH Single Family 11.75 0.5 0 0.0125
32086 FL SAINT AUGUSTINE Single Family 12 0.5 0 0.0125
89149 NV LAS VEGAS Single Family 11.375 0.5 0 0.0125
89148 NV LAS VEGAS Single Family 11.75 0.5 0 0.0125
89123 NV LAS VEGAS PUD 12.875 0.5 0 0.0125
89122 NV LAS VEGAS PUD 12.125 0.5 0 0.0125
89149 NV LAS VEGAS PUD 10.5 0.5 0 0.0125
95206 CA STOCKTON Single Family 11.25 0.5 0 0.0125
95818 CA SACRAMENTO Single Family 12.25 0.5 0 0.0125
90712 CA LAKEWOOD Single Family 7.875 0.5 0 0.0125
85706 AZ TUCSON PUD 10 0.5 0 0.0125
89014 NV HENDERSON Condominium 11.875 0.5 0 0.0125
89081 NV NORTH LAS VEGAS PUD 10.25 0.5 0 0.0125
89178 NV LAS VEGAS PUD 13.5 0.5 0 0.0125
85653 AZ MARANA PUD 14 0.5 0 0.0125
89149 NV LAS VEGAS PUD 13.5 0.5 0 0.0125
89015 NV XXXXXXXXX PUD 13.5 0.5 0 0.0125
89129 NV LAS VEGAS PUD 12.375 0.5 0 0.0125
89156 NV LAS VEGAS Single Family 11.375 0.5 0 0.0125
89104 NV LAS VEGAS Single Family 13.5 0.5 0 0.0125
89118 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
91739 CA RANCHO CUCAMONGA Single Family 12 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 12 0.5 0 0.0125
89015 NV HENDERSON PUD 11 0.5 0 0.0125
89145 NV LAS VEGAS Single Family 10.75 0.5 0 0.0125
89086 NV NORTH LAS VEGAS PUD 9.25 0.5 0 0.0125
89032 NV NORTH LAS VEGAS Single Family 10.625 0.5 0 0.0125
85741 AZ TUCSON PUD 13.25 0.5 0 0.0125
89086 NV NORTH LAS VEGAS PUD 11.875 0.5 0 0.0125
89104 NV LAS VEGAS Single Family 9.5 0.5 0 0.0125
85308 AZ GLENDALE PUD 12.375 0.5 0 0.0125
89115 NV LAS VEGAS Single Family 11.875 0.5 0 0.0125
89120 NV LAS VEGAS PUD 9.875 0.5 0 0.0125
92651 CA LAGUNA BEACH 2-4 Family 12.625 0.5 0 0.0125
89436 NV SPARKS PUD 8.75 0.5 0 0.0125
89178 NV LAS VEGAS PUD 13.25 0.5 0 0.0125
89120 NV LAS VEGAS Single Family 9.875 0.5 0 0.0125
89131 NV LAS VEGAS Single Family 9.875 0.5 0 0.0125
33321 FL TAMARAC PUD 11.3 0.5 0 0.0125
33594 FL VALRICO Single Family 9.255 0.5 0 0.0125
33176 FL MIAMI Condominium 9.75 0.5 0 0.0125
33710 FL ST.PETERSBURG Single Family 10.63 0.5 0 0.0125
92882 CA CORONA Single Family 11.99 0.5 0 0.0125
23434 VA SUFFOLK Single Family 12 0.5 0 0.0125
92663 CA SAN JACINTO Single Family 11.99 0.5 0 0.0125
73130 OK MIDWEST CITY Single Family 9.99 0.5 0 0.0125
77014 TX HOUSTON Single Family 9.99 0.5 0 0.0125
91331 CA ARLETA Single Family 9.99 0.5 0 0.0125
32068 FL MIDDLEBURG Single Family 11.1 0.5 0 0.0125
33313 FL LAUDERHILL Condominium 9.99 0.5 0 0.0125
27217 NC BURLINGTON Single Family 11.05 0.5 0 0.0125
92405 CA SAN BERNARDINO Single Family 9.99 0.5 0 0.0125
33056 FL MIAMI Single Family 10.15 0.5 0 0.0125
53225 WI MILWAUKEE Single Family 12.05 0.5 0 0.0125
30039 GA SNELLVILLE Single Family 9.35 0.5 0 0.0125
80249 CO DENVER PUD 11.15 0.5 0 0.0125
97128 OR MCMINNVILE Single Family 12.8 0.5 0 0.0125
30144 GA KENNESAW PUD 12.8 0.5 0 0.0125
38006 TN BELLS Single Family 11.25 0.5 0 0.0125
95819 CA SACRAMENTO Single Family 11.99 0.5 0 0.0125
93422 CA ATASCADERO Single Family 11.99 0.5 0 0.0125
95834 CA SACRAMENTO Single Family 10.99 0.5 0 0.0125
93001 CA VENTURY Single Family 11.99 0.5 0 0.0125
94521 CA CONCORD Single Family 11.99 0.5 0 0.0125
95356 CA MODESTO Single Family 11.99 0.5 0 0.0125
33055 FL MIAMI GARDENS Single Family 11.3 0.5 0 0.0125
33063 FL MARGATE Single Family 9.35 0.5 0 0.0125
75248 TX DALLAS Single Family 9.99 0.5 0 0.0125
64083 MO RAYMORE Single Family 9.35 0.5 0 0.0125
32773 FL SANFORD Single Family 10.7 0.5 0 0.0125
30317 GA ATLANTA Single Family 12.8 0.5 0 0.0125
33173 FL MIAMI PUD 8.75 0.5 0 0.0125
92706 CA SANTA ANA Single Family 9.55 0.5 0 0.0125
92064 CA POWAY Single Family 12 0.5 0 0.0125
91306 CA LOS ANGELES Single Family 9 0.5 0 0.0125
92220 CA BANNING PUD 8.65 0.5 0 0.0125
30102 GA ACWORTH PUD 12.8 0.5 0 0.0125
92804 CA ANAHEIM Single Family 11.8 0.5 0 0.0125
6335 CT GALES FERRY Single Family 9.99 0.5 0 0.0125
22042 VA FALLS CHURCH Single Family 11.35 0.5 0 0.0125
92583 CA SAN JACINTO Single Family 9.35 0.5 0 0.0125
33175 FL MIAMI Condominium 9 0.5 0 0.0125
34953 FL PORT SAINT LUCI Single Family 11.4 0.5 0 0.0125
89139 NV LAS VEGAS PUD 11.99 0.5 0 0.0125
85033 AZ PHOENIX Single Family 11.375 0.5 0 0.0125
94536 CA FREMONT Condominium 11.99 0.5 0 0.0125
95815 CA SACRAMENTO Single Family 6.99 0.5 0 0.0125
90291 CA LOS ANGELES Single Family 11.99 0.5 0 0.0125
85743 AZ TUCSON PUD 11.99 0.5 0 0.0125
23462 VA VIRGINIA BEACH Single Family 11.35 0.5 0 0.0125
63740 MO CHAFFEE Single Family 8.99 0.5 0 0.0125
33312 FL FORT LAUDERDALE Condominium 11.8 0.5 0 0.0125
23325 VA CHESAPEAKE Single Family 9.99 0.5 0 0.0125
33064 FL POMPANO BEACH Hi-Rise Condo 11.3 0.5 0 0.0125
33467 FL LAKE WORTH PUD 8.65 0.5 0 0.0125
92553 CA MORENO VALLEY Single Family 9.99 0.5 0 0.0125
63108 MO SAINT LOUIS Single Family 10.95 0.5 0 0.0125
92243 CA EL CENTRO Single Family 11.6 0.5 0 0.0125
23452 VA VIRGINIA BEACH Single Family 10.13 0.5 0 0.0125
55122 MN EAGAN Condominium 8.65 0.5 0 0.0125
91010 CA DUARTE Condominium 8.65 0.5 0 0.0125
77016 TX HOUSTON Single Family 9.99 0.5 0 0.0125
33024 FL HOLLYWOOD Single Family 8.75 0.5 0 0.0125
94112 CA SAN FRANCISCO Single Family 11.25 0.5 0 0.0125
94132 CA SAN FRANCISCO Single Family 10.875 0.5 0 0.0125
92104 CA SAN DIEGO Single Family 11.99 0.5 0 0.0125
94404 CA FOSTER CITY Single Family 11.99 0.5 0 0.0125
37064 TN FRANKLIN PUD 11.5 0.5 0 0.0125
94531 CA ANTIOCH Single Family 10.99 0.5 0 0.0125
77014 TX HOUSTON Single Family 9 0.5 0 0.0125
50320 IA NORWALK Single Family 12 0.5 0 0.0125
75142 TX KAUFMAN Single Family 9.99 0.5 0 0.0125
33461 FL LAKE WORTH PUD 11.75 0.5 0 0.0125
33411 FL WEST PALM BEACH Single Family 9.25 0.5 0 0.0125
84062 UT CEDAR HILLS Single Family 9.75 0.5 0 0.0125
7108 NJ NEWARK 2-4 Family 9.99 0.5 0 0.0125
92703 CA SANTA ANA Condominium 12 0.5 0 0.0125
33145 FL MIAMI Hi-Rise Condo 9 0.5 0 0.0125
75043 TX GARLAND Single Family 9.99 0.5 0 0.0125
32024 FL LAKE CITY Single Family 9 0.5 0 0.0125
77469 TX RICHMOND PUD 9.35 0.5 0 0.0125
75098 TX WYLIE Single Family 9.99 0.5 0 0.0125
60438 IL LANSING Single Family 12 0.5 0 0.0125
33155 FL MIAMI Condominium 8.65 0.5 0 0.0125
29466 SC MOUNT PLEASANT PUD 12 0.5 0 0.0125
7203 NJ ROSELLE Single Family 12 0.5 0 0.0125
98445 WA TACOMA Single Family 12 0.5 0 0.0125
33012 FL HIALEAH Single Family 10.65 0.5 0 0.0125
30045 GA LAWRENCEVILLE PUD 12 0.5 0 0.0125
33168 FL NORTH MIAMI Single Family 9.99 0.5 0 0.0125
33445 FL DELRAY BEACH Single Family 12 0.5 0 0.0125
15301 PA WASHINGTON Single Family 10.75 0.5 0 0.0125
33914 FL CAPE CORAL Single Family 12 0.5 0 0.0125
33032 FL HOMESTEAD PUD 9.99 0.5 0 0.0125
89119 NV LAS VEGAS Condominium 11.75 0.5 0 0.0125
90630 CA CYPRESS Single Family 11.375 0.5 0 0.0125
86426 AZ FORT MOHAVE Single Family 12.125 0.5 0 0.0125
92337 CA FONTANA Single Family 10.375 0.5 0 0.0125
93534 CA LANCASTER Single Family 13.375 0.5 0 0.0125
70363 LA HOUMA 2-4 Family 13.125 0.5 0 0.0125
60099 IL BEACH PARK Single Family 11 0.5 0 0.0125
60099 IL ZION Single Family 12.25 0.5 0 0.0125
60081 IL SPRING GROVE Single Family 14.5 0.5 0 0.0125
91730 CA RANCHO CUCAMONGA Single Family 11.125 0.5 0 0.0125
92394 CA VICTORVILLE Single Family 13.375 0.5 0 0.0125
90744 CA WILMINGTON Single Family 12.125 0.5 0 0.0125
97459 OR NORTH BEND Single Family 11.625 0.5 0 0.0125
28079 NC INDIAN TRAIL Single Family 13.375 0.5 0 0.0125
91730 CA RANCHO CUCAMONGA Condominium 10.75 0.5 0 0.0125
28445 NC SURF CITY PUD 12.75 0.5 0 0.0125
94606 CA OAKLAND 2-4 Family 11.625 0.5 0 0.0125
94518 CA CONCORD Single Family 11.5 0.5 0 0.0125
89030 NV NORTH LAS VEGAS Single Family 10.375 0.5 0 0.0125
85353 AZ TOLLESON PUD 9.75 0.5 0 0.0125
89120 NV LAS VEGAS PUD 13.5 0.5 0 0.0125
89178 NV LAS VEGAS PUD 8.5 0.5 0 0.0125
89081 NV NORTH LAS VEGAS PUD 11.75 0.5 0 0.0125
78258 TX SAN ANTONIO PUD 9.625 0.5 0 0.0125
90241 CA DOWNEY Single Family 8.625 0.5 0 0.0125
84117 UT SALT LAKE CITY Single Family 13.5 0.5 0 0.0125
89031 NV NORTH LAS VEGAS PUD 9.75 0.5 0 0.0125
32244 FL JACKSONVILLE PUD 13.875 0.5 0 0.0125
89104 NV LAS VEGAS Single Family 10.875 0.5 0 0.0125
89131 NV LAS VEGAS PUD 12.875 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 9.5 0.5 0 0.0125
89031 NV NOTRH LAS VEGAS PUD 12.25 0.5 0 0.0125
20906 MD SILVER SPRING Single Family 10.375 0.5 0 0.0125
22180 VA VIENNA Single Family 10.5 0.5 0 0.0125
20110 VA MANASSAS Condominium 10.75 0.5 0 0.0125
20748 MD TEMPLE HILLS Single Family 13.5 0.5 0 0.0125
20155 VA GAINESVILLE PUD 11.25 0.5 0 0.0125
21401 MD ANNAPOLIS Single Family 12.75 0.5 0 0.0125
22182 VA VIENNA Single Family 11.25 0.5 0 0.0125
22003 VA ANNANDALE Condominium 11.5 0.5 0 0.0125
20151 VA CHANTILLY PUD 9.875 0.5 0 0.0125
20902 MD SILVER SPRING Single Family 10.75 0.5 0 0.0125
20850 MD ROCKVILLE Single Family 12.25 0.5 0 0.0125
92404 CA SAN BERNARDINO Single Family 13.625 0.5 0 0.0125
75035 TX FRISCO PUD 11.8 0.5 0 0.0125
78245 TX SAN ANTONIO Single Family 11.425 0.5 0 0.0125
94089 CA SUNNYDALE Single Family 11.25 0.5 0 0.0125
90745 CA CARSON Single Family 14.25 0.5 0 0.0125
32828 FL ORLANDO PUD 10.25 0.5 0 0.0125
32738 FL DELTONA Single Family 10.875 0.5 0 0.0125
33605 FL TAMPA Single Family 12.75 0.5 0 0.0125
34746 FL KISSIMMEE PUD 13.25 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 9.625 0.5 0 0.0125
89123 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 10.25 0.5 0 0.0125
89118 NV LAS VEGAS Condominium 13.25 0.5 0 0.0125
94536 CA FREMONT Single Family 11 0.5 0 0.0125
89128 NV LAS VEGAS PUD 9.125 0.5 0 0.0125
89081 NV NORTH LAS VEGAS PUD 10.875 0.5 0 0.0125
89131 NV LAS VEGAS PUD 13.5 0.5 0 0.0125
89084 NV NORTH LAS VEGAS PUD 10.625 0.5 0 0.0125
89123 NV LAS VEGAS PUD 10 0.5 0 0.0125
90032 CA LOS ANGELES Single Family 9.875 0.5 0 0.0125
89139 NV LAS VEGAS PUD 9.25 0.5 0 0.0125
89012 NV HENDERSON PUD 11.5 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 11.875 0.5 0 0.0125
83642 ID MERIDIAN PUD 13.5 0.5 0 0.0125
89074 NV HENDERSON PUD 11 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 12 0.5 0 0.0125
89142 NV LAS VEGAS Single Family 11.25 0.5 0 0.0125
93065 CA SIMIL VALLEY Single Family 11.375 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 11.125 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 13.5 0.5 0 0.0125
93063 CA SIMI VALLEY Single Family 8.625 0.5 0 0.0125
83687 ID NAMPA PUD 13.5 0.5 0 0.0125
89118 NV LAS VEGAS Condominium 10.125 0.5 0 0.0125
89148 NV LAS VEGAS Single Family 9.25 0.5 0 0.0125
89149 NV LAS VEGAS Condominium 10.625 0.5 0 0.0125
89031 NV NORTH LAS VEGAS Condominium 11.875 0.5 0 0.0125
89052 NV XXXXXXXXX PUD 9.625 0.5 0 0.0125
89123 NV LAS VEGAS PUD 7 0.5 0 0.0125
89147 NV LAS VEGAS Single Family 11.875 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 13.75 0.5 0 0.0125
89115 NV LAS VEGAS Condominium 13.75 0.5 0 0.0125
20715 MD BOWIE Single Family 11.5 0.5 0 0.0125
18702 PA XXXXXX BARRE Single Family 9.625 0.5 0 0.0125
20018 DC WASHINGTON 2-4 Family 13.25 0.5 0 0.0125
20715 MD BOWIE Single Family 10.375 0.5 0 0.0125
20707 MD LAUREL Townhouse 10.25 0.5 0 0.0125
19809 DE WILMINGTON Single Family 14.625 0.5 0 0.0125
28205 NC CHARLOTTE Single Family 15 0.5 0 0.0125
30083 GA STONE MOUNTAIN Single Family 11.875 0.5 0 0.0125
85296 AZ XXXXXXX PUD 10.75 0.5 0 0.0125
20743 MD CAPITOL HEIGHTS PUD 11 0.5 0 0.0125
30274 GA RIVERDALE Single Family 13.5 0.5 0 0.0125
80219 CO DENVER 2-4 Family 13.625 0.5 0 0.0125
43147 OH PICKERINGTON Condominium 14 0.5 0 0.0125
45504 OH SPRINGFIELD 2-4 Family 14.625 0.5 0 0.0125
45238 OH CINCINNATI 2-4 Family 14.625 0.5 0 0.0125
21212 MD BALTIMORE Single Family 13 0.5 0 0.0125
28215 NC CHARLOTTE Single Family 12.375 0.5 0 0.0125
23225 VA RICHMOND Single Family 11.625 0.5 0 0.0125
22407 VA FREDERICKSBURG Single Family 14.25 0.5 0 0.0125
37206 TN NASHVILLE Single Family 11.25 0.5 0 0.0125
22193 VA WOODBRIDGE Single Family 10.375 0.5 0 0.0125
22041 VA FALLS CHURCH Single Family 11.5 0.5 0 0.0125
22701 VA CULPEPER PUD 11.5 0.5 0 0.0125
20906 MD SILVER SPRING Condominium 11.5 0.5 0 0.0125
20136 VA XXXXXXX PUD 11 0.5 0 0.0125
20905 MD SILVER SPRING Single Family 10.875 0.5 0 0.0125
33919 FL TAMPA Condominium 14 0.5 0 0.0125
33619 FL TAMPA Condominium 12.25 0.5 0 0.0125
33619 FL TAMPA Condominium 14 0.5 0 0.0125
15146 PA MONROEVILLE Single Family 12.75 0.5 0 0.0125
34668 FL PORT XXXXXX Single Family 14.875 0.5 0 0.0125
32303 FL TALLAHASSEE PUD 12.375 0.5 0 0.0125
32822 FL ORLANDO PUD 13.625 0.5 0 0.0125
18102 PA ALLENTOWN Single Family 14.5 0.5 0 0.0125
32966 FL VERO BEACH Single Family 11 0.5 0 0.0125
33844 FL XXXXXX CITY PUD 14.125 0.5 0 0.0125
32174 FL ORMOND BEACH PUD 10.75 0.5 0 0.0125
18102 PA ALLENTOWN Single Family 12.5 0.5 0 0.0125
32967 FL VERO BEACH Single Family 12.125 0.5 0 0.0125
33913 FL FORT XXXXX PUD 11.75 0.5 0 0.0125
46217 IN INDIANAPOLIS Single Family 13.125 0.5 0 0.0125
46131 IN FRANKLIN PUD 11.625 0.5 0 0.0125
43231 OH COLUMBUS Single Family 13.125 0.5 0 0.0125
90731 CA SAN XXXXX 2-4 Family 12 0.5 0 0.0125
19977 DE SMYRNA PUD 13.75 0.5 0 0.0125
87108 NM ALBUQUERQUE Single Family 10.125 0.5 0 0.0125
89121 NV LAS VEGAS PUD 12.5 0.5 0 0.0125
37066 TN GALLATIN PUD 9.625 0.5 0 0.0125
89117 NV LAS VEGAS Condominium 12.125 0.5 0 0.0125
84094 UT XXXXX Single Family 12.5 0.5 0 0.0125
96720 HI HILO Single Family 10.375 0.5 0 0.0125
3264 NH PLYMOUTH Single Family 13.625 0.5 0 0.0125
49505 MI GRAND RAPIDS Single Family 12.375 0.5 0 0.0125
49316 MI CALEDONIA Single Family 10.75 0.5 0 0.0125
92582 CA SAN JACINTO Single Family 9.75 0.5 0 0.0125
92021 CA EL CAJON Condominium 9 0.5 0 0.0125
98229 WA BELLINGHAM PUD 10.125 0.5 0 0.0125
20783 MD HYATTSVILLE Condominium 9.875 0.5 0 0.0125
49729 MI XXXXXXXXX Single Family 11.625 0.5 0 0.0125
50009 IA ALTOONA Single Family 10.625 0.5 0 0.0125
2648 MA MARSTONS XXXXX Single Family 13 0.5 0 0.0125
3820 NH DOVER Single Family 13 0.5 0 0.0125
83635 ID LAKEFORK Single Family 9.625 0.5 0 0.0125
60120 IL ELGIN Single Family 13.875 0.5 0 0.0125
74015 OK CATOOSA 2-4 Family 10.625 0.5 0 0.0125
2770 MA ROCHESTER Single Family 12.5 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 13.875 0.5 0 0.0125
74015 OK CATOOSA 2-4 Family 10.625 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 13.375 0.5 0 0.0125
21158 MD WESTMINSTER Single Family 10.75 0.5 0 0.0125
83642 ID MERIDIAN PUD 13.5 0.5 0 0.0125
30248 GA LOCUST GROVE Single Family 14 0.5 0 0.0125
33703 FL ST PETERSBURG Single Family 10.5 0.5 0 0.0125
28173 NC WAXHAW PUD 10 0.5 0 0.0125
48124 MI DEARBORN Single Family 10.5 0.5 0 0.0125
93611 CA CLOVIS Single Family 11.625 0.5 0 0.0125
83642 ID MERIDIAN PUD 14 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
85250 AZ SCOTTSDALE Condominium 11.25 0.5 0 0.0125
80215 CO LAKEWOOD Single Family 11.75 0.5 0 0.0125
89502 NV RENO Single Family 11 0.5 0 0.0125
97006 OR BEAVERTON PUD 12.375 0.5 0 0.0125
87124 NM RIO RANCHO PUD 12.5 0.5 0 0.0125
98155 WA SHORELINE Single Family 8.375 0.5 0 0.0125
83655 ID NEW PLYMOUTH Single Family 13.25 0.5 0 0.0125
1907 MA SWAMPSCOTT 2-4 Family 12.5 0.5 0 0.0125
27249 NC GIBSONVILLE Single Family 11.25 0.5 0 0.0125
30294 GA ELLENWOOD PUD 13 0.5 0 0.0125
31008 GA XXXXX Single Family 12.875 0.5 0 0.0125
31639 GA NASHVILLE Single Family 13.925 0.5 0 0.0125
30252 GA MCDONOUGH PUD 13.3 0.5 0 0.0125
48239 MI DETROIT Single Family 11.25 0.5 0 0.0125
60181 IL VILLA PARK Single Family 10.75 0.5 0 0.0125
87402 NM FARMINGTON Single Family 13 0.5 0 0.0125
76033 TX CLEBURNE Single Family 12.5 0.5 0 0.0125
80002 CO ARVADA Single Family 12.875 0.5 0 0.0125
89081 NV NORTH LAS VEGAS PUD 10.875 0.5 0 0.0125
81652 CO SILT Single Family 12.625 0.5 0 0.0125
20155 VA GAINESVILLE PUD 12.875 0.5 0 0.0125
23503 VA NORFOLK Single Family 11.875 0.5 0 0.0125
31063 GA MONTEZUMA Single Family 12.8 0.5 0 0.0125
55387 MN WACONIA Single Family 9.875 0.5 0 0.0125
31525 GA BRUNSWICK Single Family 12.55 0.5 0 0.0125
30294 GA ELLENWOOD Single Family 13.3 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 9.875 0.5 0 0.0125
94561 CA OAKLEY Single Family 10.75 0.5 0 0.0125
99336 WA KENNEWICK Single Family 12.75 0.5 0 0.0125
87114 NM ALBUQUERQUE Single Family 10.75 0.5 0 0.0125
89048 NV PAHRUMP Single Family 10 0.5 0 0.0125
98203 WA EVERETT Condominium 10.375 0.5 0 0.0125
92530 CA LAK ELSINORE Single Family 11.25 0.5 0 0.0125
92262 CA PALM SPRINGS Single Family 11.875 0.5 0 0.0125
23430 VA SMITHFIELD Single Family 10.875 0.5 0 0.0125
2743 MA ACUSHNET Single Family 10.125 0.5 0 0.0125
85032 AZ PHOENIX Single Family 11.375 0.5 0 0.0125
83703 ID BOISE Single Family 11.125 0.5 0 0.0125
89129 NV LAS VEGAS Condominium 9.75 0.5 0 0.0125
89521 NV RENO Single Family 12 0.5 0 0.0125
60102 IL ALGONQUIN Condominium 10.875 0.5 0 0.0125
85308 AZ GLENDALE Single Family 12 0.5 0 0.0125
32837 FL ORLANDO PUD 10.25 0.5 0 0.0125
72714 AR BELLA VISTA PUD 9.125 0.5 0 0.0125
83605 ID XXXXXXXX Single Family 14.25 0.5 0 0.0125
85379 AZ SUPRISE PUD 12.25 0.5 0 0.0125
5143 VT XXXXXXX Single Family 10 0.5 0 0.0125
95624 CA ELK GROVE Single Family 10.5 0.5 0 0.0125
94945 CA NOVATO Single Family 7.25 0.5 0 0.0125
94607 CA OAKLAND Single Family 10.25 0.5 0 0.0125
95829 CA SACRAMENTO Single Family 10.625 0.5 0 0.0125
95757 CA ELK GROVE Single Family 9.5 0.5 0 0.0125
94107 CA SAN FRANCISCO Hi-Rise Condo 9.125 0.5 0 0.0125
94591 CA VALLEJO Single Family 10.125 0.5 0 0.0125
94534 CA FAIRFIELD PUD 8.5 0.5 0 0.0125
94608 CA OAKLAND Single Family 10.75 0.5 0 0.0125
95832 CA SACRAMENTO Single Family 10 0.5 0 0.0125
2889 RI WARWICK 2-4 Family 12.375 0.5 0 0.0125
30132 GA DALLAS Single Family 10.5 0.5 0 0.0125
92392 CA VICTORVILLE Single Family 9.875 0.5 0 0.0125
89123 NV LAS VEGAS PUD 11.5 0.5 0 0.0125
80817 CO FOUNTAIN PUD 12.125 0.5 0 0.0125
30084 GA TUCKER Single Family 10.75 0.5 0 0.0125
75082 TX RICHARDSON PUD 11.5 0.5 0 0.0125
14216 NY BUFFALO 2-4 Family 11 0.5 0 0.0125
85719 AZ TUCSON Single Family 10.625 0.5 0 0.0125
92056 CA OCEANSIDE Condominium 10.25 0.5 0 0.0125
89081 NV NORTH LAS VEGAS PUD 12.625 0.5 0 0.0125
30213 GA FAIRBURN PUD 12.625 0.5 0 0.0125
88012 NM LAS CRUCES Single Family 10 0.5 0 0.0125
65721 MO OZARK Single Family 12.875 0.5 0 0.0125
83204 ID POCATELLO Single Family 11.375 0.5 0 0.0125
98204 WA XXXXXXX Condominium 13.25 0.5 0 0.0125
97405 OR EUGENE Single Family 9.25 0.5 0 0.0125
23602 VA NEWPORT NEWS Condominium 12.625 0.5 0 0.0125
30213 GA FAIRBURN PUD 12.625 0.5 0 0.0125
1504 MA BLACKSTONE Single Family 11.375 0.5 0 0.0125
94110 CA SAN FRANCISCO Condominium 6.875 0.5 0 0.0125
94561 CA OAKLEY Single Family 10.375 0.5 0 0.0125
89147 NV LAS VEGAS PUD 9.75 0.5 0 0.0125
30019 GA DACULA PUD 9.5 0.5 0 0.0125
84049 UT MIDWAY Condominium 12 0.5 0 0.0125
83704 ID BOISE Single Family 11 0.5 0 0.0125
27949 NC SOUTHERN SHORES Single Family 12.375 0.5 0 0.0125
17322 PA XXXXXX Single Family 10.25 0.5 0 0.0125
30134 GA DOUGLASVILLE Single Family 9.625 0.5 0 0.0125
83605 ID XXXXXXXX Single Family 12.75 0.5 0 0.0125
83687 ID NAMPA PUD 10.5 0.5 0 0.0125
22152 VA SPRINGFIELD PUD 12 0.5 0 0.0125
23663 VA HAMPTON Single Family 10 0.5 0 0.0125
86017 AZ MUNDS PARK Single Family 10 0.5 0 0.0125
68136 NE OMAHA Single Family 9.75 0.5 0 0.0125
20707 MD LAUREL Condominium 11.5 0.5 0 0.0125
32713 FL DEBARY Single Family 11.75 0.5 0 0.0125
80017 CO AURORA Single Family 10.375 0.5 0 0.0125
00000 XX XXXXXXXXX Single Family 11.75 0.5 0 0.0125
89129 NV LAS VEGAS PUD 9.875 0.5 0 0.0125
89123 NV LAS VEGAS Single Family 8 0.5 0 0.0125
85383 AZ PEORIA Single Family 10.875 0.5 0 0.0125
89119 NV LAS VEGAS Single Family 10.5 0.5 0 0.0125
92584 CA MENIFEE Single Family 11.875 0.5 0 0.0125
89052 NV HENDERSON PUD 13.5 0.5 0 0.0125
7018 NJ EAST ORANGE 2-4 Family 13.5 0.5 0 0.0125
8618 NJ TRENTON Single Family 11 0.5 0 0.0125
8005 NJ BARNEGAT Single Family 12.25 0.5 0 0.0125
90604 CA WHITTIER Single Family 10.5 0.5 0 0.0125
89118 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
89015 NV XXXXXXXXX Single Family 10.875 0.5 0 0.0125
89118 NV LAS VEGAS Condominium 13.25 0.5 0 0.0125
89141 NV LAS VEGAS PUD 13.625 0.5 0 0.0125
89031 NV NORTH LAS VEGAS Single Family 9.875 0.5 0 0.0125
89141 NV LAS VEGAS PUD 9.75 0.5 0 0.0125
89431 NV SPARKS 2-4 Family 13.375 0.5 0 0.0125
89119 NV LAS VEGAS Single Family 13 0.5 0 0.0125
93551 CA PALMDALE Single Family 12 0.5 0 0.0125
89130 NV LAS VEGAS Condominium 13.75 0.5 0 0.0125
89032 NV NORTH LAS VEGAS Single Family 11 0.5 0 0.0125
89509 NV RENO PUD 12.25 0.5 0 0.0125
89123 NV LAS VEGAS Hi-Rise Condo 11 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 11.75 0.5 0 0.0125
89148 NV LAS VEGAS PUD 8.75 0.5 0 0.0125
89178 NV LAS VEGAS PUD 11.25 0.5 0 0.0125
89148 NV LAS VEGAS PUD 11.875 0.5 0 0.0125
89148 NV LAS VEGAS Single Family 12.125 0.5 0 0.0125
89123 NV LAS VEGAS Single Family 13 0.5 0 0.0125
7114 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7106 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7104 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7104 NJ NEWARK 2-4 Family 9.125 0.5 0 0.0125
8234 NJ EGG HARBOR TOWNSHIP Single Family 11.9 0.5 0 0.0125
7201 NJ XXXXXXXXX 2-4 Family 11.9 0.5 0 0.0125
8861 NJ PERTH AMBOY 2-4 Family 11.9 0.5 0 0.0125
33467 FL LAKE WORTH Townhouse 11.9 0.5 0 0.0125
8205 NJ XXXXXXXX Single Family 11.9 0.5 0 0.0125
17038 PA JONESTOWN Single Family 9.5 0.5 0 0.0125
8005 NJ BARNEGAT Condominium 11.25 0.5 0 0.0125
7011 NJ CLIFTON 2-4 Family 12.25 0.5 0 0.0125
7108 NJ NEWARK 2-4 Family 11.5 0.5 0 0.0125
2144 MA SOMERVILLE Single Family 10 0.5 0 0.0125
7083 NJ UNION Single Family 9.5 0.5 0 0.0125
7501 NJ PATERSON 2-4 Family 13.5 0.5 0 0.0125
7111 NJ IRVINGTON 2-4 Family 12 0.5 0 0.0125
8401 NJ ATLANTIC CITY 2-4 Family 13.5 0.5 0 0.0125
7728 NJ FREEHOLD Condominium 10 0.5 0 0.0125
7662 NJ XXXXXXXX PARK Single Family 11.9 0.5 0 0.0125
7103 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7524 NJ PATERSON 2-4 Family 11.25 0.5 0 0.0125
8096 NJ DEPTFORD Single Family 10.25 0.5 0 0.0125
7052 NJ WEST ORANGE Single Family 11.9 0.5 0 0.0125
18042 PA EASTON 2-4 Family 11.75 0.5 0 0.0125
7087 NJ UNION CITY Single Family 11.9 0.5 0 0.0125
7060 NJ PLAINFIELD Single Family 11.5 0.5 0 0.0125
7203 NJ ROSELLE Single Family 12.5 0.5 0 0.0125
7111 NJ IRVINGTON 2-4 Family 12 0.5 0 0.0125
7205 NJ HILLSIDE Single Family 11.5 0.5 0 0.0125
7712 NJ XXXXXX PARK 2-4 Family 13.5 0.5 0 0.0125
8629 NJ TRENTON Single Family 12.5 0.5 0 0.0125
8618 NJ TRENTON Single Family 11.5 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
89131 NV LAS VEGAS PUD 10.625 0.5 0 0.0125
89031 NV NORTH LAS VEGAS PUD 9.625 0.5 0 0.0125
89012 NV XXXXXXXXX PUD 8.625 0.5 0 0.0125
11208 NY BROOKLYN 2-4 Family 11.9 0.5 0 0.0125
7514 NJ PATERSON 2-4 Family 9.875 0.5 0 0.0125
8758 NJ WARETOWN Single Family 11.9 0.5 0 0.0125
7050 NJ ORANGE Single Family 11.9 0.5 0 0.0125
18102 PA ALLENTOWN Single Family 11.9 0.5 0 0.0125
12118 NY MECHANICVILLE 2-4 Family 11.9 0.5 0 0.0125
33415 FL WEST PALM BEACH Single Family 11.9 0.5 0 0.0125
7111 NJ IRVINGTON 2-4 Family 11.9 0.5 0 0.0125
8865 NJ PHILLIPSBURG Single Family 11.9 0.5 0 0.0125
7103 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7206 NJ ELIZABETH Single Family 11.9 0.5 0 0.0125
7114 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7103 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7514 NJ PATERSON 2-4 Family 11.9 0.5 0 0.0125
18618 PA HARVEYS LAKE PUD 11.9 0.5 0 0.0125
18618 PA XXXXXX'X LAKE PUD 11.9 0.5 0 0.0125
7731 NJ HOWELL Single Family 11.9 0.5 0 0.0125
11207 NY BROOKLYN 2-4 Family 11.9 0.5 0 0.0125
7104 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7206 NJ XXXXXXXXX 2-4 Family 12.5 0.5 0 0.0125
7114 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7050 NJ ORANGE 2-4 Family 11.9 0.5 0 0.0125
11435 NY BRIARWOOD 2-4 Family 11.9 0.5 0 0.0125
7111 NJ IRVINGTON 2-4 Family 11.9 0.5 0 0.0125
7106 NJ NEWARK Single Family 11.9 0.5 0 0.0125
7735 NJ UNION BEACH Single Family 11.5 0.5 0 0.0125
7103 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7111 NJ IRVINGTON 2-4 Family 11.9 0.5 0 0.0125
7201 NJ ELIZABETH 2-4 Family 11.9 0.5 0 0.0125
8901 NJ NEW BRUNSWICK PUD 11.9 0.5 0 0.0125
7206 NJ XXXXXXXXX 2-4 Family 11.5 0.5 0 0.0125
7050 NJ ORANGE Condominium 11.9 0.5 0 0.0125
33594 FL VALRICO PUD 11.9 0.5 0 0.0125
7060 NJ PLAINFIELD 2-4 Family 11.9 0.5 0 0.0125
7105 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7036 NJ LINDEN 2-4 Family 11.9 0.5 0 0.0125
7201 NJ ELIZABETH 2-4 Family 11.9 0.5 0 0.0125
7644 NJ LODI 2-4 Family 11.9 0.5 0 0.0125
0000 XX XXXXXX Single Family 10.125 0.5 0 0.0125
0000 XX XXXXXX Single Family 11.9 0.5 0 0.0125
7047 NJ NORTH BERGEN 2-4 Family 11.9 0.5 0 0.0125
7104 NJ NEWARK 2-4 Family 11.9 0.5 0 0.0125
7011 NJ CLIFTON Single Family 11.9 0.5 0 0.0125
8094 NJ MONROE Single Family 11.9 0.5 0 0.0125
89115 NV NORTH LAS VEGAS PUD 10.875 0.5 0 0.0125
89031 NV NORTH LAS VEGAS PUD 10.25 0.5 0 0.0125
89139 NV LAS VEGAS PUD 9.875 0.5 0 0.0125
89117 NV LAS VEGAS Condominium 9.75 0.5 0 0.0125
89148 NV LAS VEGAS PUD 12.875 0.5 0 0.0125
89123 NV LAS VEGAS PUD 13.5 0.5 0 0.0125
89048 NV NORTH LAS VEGAS PUD 10 0.5 0 0.0125
84601 UT PROVO Single Family 11 0.5 0 0.0125
89110 NV LAS VEGAS Single Family 10.5 0.5 0 0.0125
89048 NV PAHRUMP Single Family 13.5 0.5 0 0.0125
89521 NV RENO PUD 12.375 0.5 0 0.0125
94804 CA RICHMOND Single Family 9.875 0.5 0 0.0125
94804 CA RICHMOND Single Family 12.125 0.5 0 0.0125
93458 CA SANTA XXXXX Single Family 11.625 0.5 0 0.0125
89115 NV LAS VEGAS PUD 9.875 0.5 0 0.0125
89178 NV LAS VEGAS PUD 11.75 0.5 0 0.0125
89081 NV NORTH LAS VEGAS PUD 11.625 0.5 0 0.0125
89142 NV LAS VEGAS Single Family 13 0.5 0 0.0125
86401 AZ KINGMAN Single Family 11.875 0.5 0 0.0125
89030 NV NORTH LAS VEGAS PUD 10.25 0.5 0 0.0125
89129 NV LAS VEGAS PUD 11 0.5 0 0.0125
89113 NV LAS VEGAS Single Family 13.375 0.5 0 0.0125
89166 NV LAS VEGAS PUD 10.375 0.5 0 0.0125
89032 NV NORTH LAS VEGAS Single Family 10.5 0.5 0 0.0125
89156 NV LAS VEGAS Single Family 9.875 0.5 0 0.0125
89121 NV LAS VEGAS Single Family 11.875 0.5 0 0.0125
84084 UT WEST JORDAN Single Family 13.5 0.5 0 0.0125
95330 CA LATHROP Single Family 10.375 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 11 0.5 0 0.0125
89115 NV LAS VEGAS PUD 8.75 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 9.625 0.5 0 0.0125
89139 NV LAS VEGAS PUD 11.875 0.5 0 0.0125
00000 XX XXXXXXXX Single Family 8.5 0.5 0 0.0125
85339 AZ LAVEEN PUD 13.5 0.5 0 0.0125
89032 NV NORTH LAS VEGAS Condominium 9.875 0.5 0 0.0125
89108 NV LAS VEGAS Single Family 12.875 0.5 0 0.0125
89030 NV NORTH LAS VEGAS Single Family 11.875 0.5 0 0.0125
85383 AZ PEORIA Single Family 10.875 0.5 0 0.0125
89031 NV NORTH LAS VEGAS Single Family 11.375 0.5 0 0.0125
89131 NV LAS VEGAS PUD 13.75 0.5 0 0.0125
89122 NV LAS VEGAS Single Family 11.5 0.5 0 0.0125
89135 NV LAS VEGAS Single Family 12.875 0.5 0 0.0125
90220 CA COMPTON 2-4 Family 10.875 0.5 0 0.0125
90302 CA INGLEWOOD 2-4 Family 10.875 0.5 0 0.0125
89117 NV LAS VEGAS PUD 9.875 0.5 0 0.0125
89503 NV RENO Single Family 7.375 0.5 0 0.0125
89120 NV LAS VEGAS Single Family 10.625 0.5 0 0.0125
89103 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
89052 NV XXXXXXXXX Single Family 13.5 0.5 0 0.0125
89139 NV LAS VEGAS PUD 8.875 0.5 0 0.0125
89101 NV LAS VEGAS 2-4 Family 11.125 0.5 0 0.0125
89141 NV LAS VEGAS PUD 8.875 0.5 0 0.0125
89052 NV HENDERSON PUD 9.5 0.5 0 0.0125
93277 CA VISALIA 2-4 Family 8.75 0.5 0 0.0125
93277 CA VISALIA 2-4 Family 9.125 0.5 0 0.0125
89015 NV XXXXXXXXX PUD 9 0.5 0 0.0125
89052 NV HENDERSON PUD 12 0.5 0 0.0125
96150 CA SOUTH LAKE TAHOE Single Family 9.75 0.5 0 0.0125
89121 NV LAS VEGAS Single Family 10.375 0.5 0 0.0125
89030 NV LAS VEGAS Single Family 13.5 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 9.625 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 9.625 0.5 0 0.0125
89134 NV LAS VEGAS PUD 13.5 0.5 0 0.0125
89142 NV LAS VEGAS PUD 10.5 0.5 0 0.0125
84765 UT SANTA XXXXX Single Family 11.625 0.5 0 0.0125
89521 CA RENO Single Family 11.875 0.5 0 0.0125
89086 NV NORTH LAS VEGAS PUD 13.5 0.5 0 0.0125
89052 NV XXXXXXXXX Condominium 12.5 0.5 0 0.0125
89166 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
89031 NV NORTH LAS VEGAS PUD 13.5 0.5 0 0.0125
89104 NV LAS VEGAS Single Family 8.875 0.5 0 0.0125
89122 NV LAS VEGAS PUD 12.875 0.5 0 0.0125
89110 NV LAS VEGAS Single Family 9.875 0.5 0 0.0125
89031 NV NORTH LAS VEGAS PUD 10.75 0.5 0 0.0125
89121 NV LAS VEGAS Single Family 10.25 0.5 0 0.0125
33881 FL WINTER HEAVEN 2-4 Family 13.5 0.5 0 0.0125
33065 FL CORAL SPRING Condominium 12.5 0.5 0 0.0125
33181 FL N MIAMI Condominium 11.125 0.5 0 0.0125
33328 FL FORT LAUDERDALE Condominium 13.375 0.5 0 0.0125
21206 MD BALTIMORE Single Family 13.5 0.5 0 0.0125
8879 NJ OLD BRIDGE Single Family 12.375 0.5 0 0.0125
34743 FL KISSIMMEE PUD 13.5 0.5 0 0.0125
33162 FL NORTH MIAMI BEACH Condominium 13.375 0.5 0 0.0125
7652 NJ PARAMUS Single Family 9.875 0.5 0 0.0125
21229 MD BALTIMORE Single Family 13.375 0.5 0 0.0125
20784 MD HYATTSVILLE Condominium 13.375 0.5 0 0.0125
33317 FL FORT LAUDERDALE Single Family 13.375 0.5 0 0.0125
33584 FL SEFFNER Single Family 13.375 0.5 0 0.0125
33446 FL DELRAY BEACH Condominium 13.375 0.5 0 0.0125
7501 NJ PATERSON 2-4 Family 13.375 0.5 0 0.0125
27260 NC HIGH POINT Single Family 13.375 0.5 0 0.0125
33032 FL MIAMI Single Family 10.75 0.5 0 0.0125
19809 DE WILMINGTON Single Family 8.125 0.5 0 0.0125
7108 NJ NEWARK 2-4 Family 12.125 0.5 0 0.0125
33175 FL MIAMI PUD 11.375 0.5 0 0.0125
00000 XX XXXXXXXXXX XXXXX 2-4 Family 13.5 0.5 0 0.0125
33326 FL SUNRISE Condominium 8.125 0.5 0 0.0125
21213 MD BALTIMORE Single Family 13.375 0.5 0 0.0125
33309 FL LAUDERDALE LAKES Single Family 10.25 0.5 0 0.0125
34983 FL PORT SAINT LUCIE Single Family 13.375 0.5 0 0.0125
20886 MD XXXXXXXXXX VILLAGE PUD 13.125 0.5 0 0.0125
34953 FL PORT SAINT LUCIE Single Family 13.375 0.5 0 0.0125
32836 FL ORLANDO PUD 13.375 0.5 0 0.0125
33030 FL HOMESTEAD Condominium 12.375 0.5 0 0.0125
32828 FL ORLANDO PUD 10.625 0.5 0 0.0125
33972 FL LEHIGH ACRES Single Family 13.375 0.5 0 0.0125
28216 NC CHARLOTTE Single Family 13.375 0.5 0 0.0125
28269 NC CHARLOTTE Single Family 13.375 0.5 0 0.0125
28215 NC CHARLOTTE Single Family 13.375 0.5 0 0.0125
33417 FL WEST PALM BEACH Condominium 13.5 0.5 0 0.0125
33801 FL LAKELAND Single Family 13.375 0.5 0 0.0125
8093 NJ WESTVILLE Single Family 13.375 0.5 0 0.0125
34231 FL SARASOTA Single Family 13.375 0.5 0 0.0125
34287 FL NORTH PORT Single Family 10.375 0.5 0 0.0125
92584 CA MENIFEE Single Family 10.625 0.5 0 0.0125
33446 FL DELRAY BEACH Condominium 11.75 0.5 0 0.0125
89128 NV LAS VEGAS Condominium 13.5 0.5 0 0.0125
20744 MD FORT WASHINGTON Single Family 11 0.5 0 0.0125
33433 FL BOCA RATON PUD 12.625 0.5 0 0.0125
7050 NJ ORANGE 2-4 Family 13.375 0.5 0 0.0125
7607 NJ MAYWOOD Single Family 13.375 0.5 0 0.0125
33025 FL MIRAMAR Condominium 13.375 0.5 0 0.0125
33065 FL CORAL SPRINGS 2-4 Family 13.375 0.5 0 0.0125
32805 FL ORLANDO Single Family 13.375 0.5 0 0.0125
22079 VA LORTON PUD 12.125 0.5 0 0.0125
8701 NJ LAKEWOOD PUD 11 0.5 0 0.0125
22192 VA WOODBRIDGE Condominium 13.375 0.5 0 0.0125
34786 FL WINDEMERE PUD 13.375 0.5 0 0.0125
34983 FL PORT SAINT LUCIE Single Family 13.375 0.5 0 0.0125
21230 MD BALTIMORE Hi-Rise Condo 13.375 0.5 0 0.0125
7107 NJ NEWARK Single Family 11.5 0.5 0 0.0125
33165 FL MIAMI Single Family 12.125 0.5 0 0.0125
7104 NJ NEWARK 2-4 Family 13.375 0.5 0 0.0125
33305 FL WILTON MANOR Single Family 13.375 0.5 0 0.0125
21222 MD BALTIMORE Single Family 13.375 0.5 0 0.0125
7002 NJ BAYONNE PUD 11.9 0.5 0 0.0125
7501 NJ PATERSON 2-4 Family 11.9 0.5 0 0.0125
33181 FL NORTH MIAMI BEACH Single Family 11.9 0.5 0 0.0125
10914 NY BLOOMING GROVE Single Family 11.9 0.5 0 0.0125
7060 NJ PLAINFIELD 2-4 Family 11.9 0.5 0 0.0125
7017 NJ EAST ORANGE 2-4 Family 11.9 0.5 0 0.0125
7093 NJ WEST NEW YORK 2-4 Family 11.9 0.5 0 0.0125
11717 NY BRENTWOOD Single Family 12.9 0.5 0 0.0125
7202 NJ XXXXXXXXX 2-4 Family 11.9 0.5 0 0.0125
91768 CA POMONA PUD 9.375 0.5 0 0.0125
92503 CA CORONA Single Family 11.25 0.5 0 0.0125
29229 SC COLUMBIA Single Family 11.75 0.5 0 0.0125
80033 CO WHEAT RIDGE Single Family 11 0.5 0 0.0125
85323 AZ AVONDALE PUD 12.125 0.5 0 0.0125
64119 MO KANSAS CITY Single Family 14.125 0.5 0 0.0125
30349 GA COLLEGE PARK PUD 10.5 0.5 0 0.0125
30349 GA COLLEGE PARK PUD 10.625 0.5 0 0.0125
30126 GA MABLETON Single Family 10.625 0.5 0 0.0125
30114 GA CANTON PUD 10.125 0.5 0 0.0125
30087 GA STONE MOUNTAIN Single Family 9.625 0.5 0 0.0125
30157 GA DALLAS PUD 9.375 0.5 0 0.0125
30114 GA CANTON PUD 9.875 0.5 0 0.0125
94553 CA XXXXXXXX Single Family 10.5 0.5 0 0.0125
95843 CA ANTELOPE Single Family 10.875 0.5 0 0.0125
94957 CA XXXX Single Family 8.75 0.5 0 0.0125
94960 CA SAN ANSELMO Single Family 12.25 0.5 0 0.0125
92571 CA PERRIS Single Family 9.875 0.5 0 0.0125
94947 CA NOVATO Single Family 9.25 0.5 0 0.0125
92316 CA BLOOMINGTON AREA Single Family 10.75 0.5 0 0.0125
92027 CA ESCONDIDO Single Family 8.625 0.5 0 0.0125
91762 CA ONTARIO Single Family 10.5 0.5 0 0.0125
94118 CA SAN FRANCISCO Condominium 6.5 0.5 0 0.0125
94941 CA MILL VALLEY Single Family 6.375 0.5 0 0.0125
92154 CA SAN DIEGO Single Family 8.125 0.5 0 0.0125
90027 CA LOS ANGELES Single Family 12.5 0.5 0 0.0125
92345 CA HESPERIA Single Family 9.875 0.5 0 0.0125
90280 CA SOUTH GATE PUD 9.875 0.5 0 0.0125
94509 CA ANTIOCH Single Family 8.125 0.5 0 0.0125
91767 CA POMONA Single Family 11 0.5 0 0.0125
94965 CA SAUSALITO Condominium 7.25 0.5 0 0.0125
93535 CA LANCASTER Single Family 10.75 0.5 0 0.0125
90003 CA LOS ANGELES Single Family 10.25 0.5 0 0.0125
92571 CA PERRIS Single Family 10 0.5 0 0.0125
90242 CA XXXXXX Condominium 11.375 0.5 0 0.0125
90069 CA LOS ANGELES Single Family 12.875 0.5 0 0.0125
90047 CA LOS ANGELES Single Family 10.5 0.5 0 0.0125
90220 CA XXXXXXX Single Family 10.75 0.5 0 0.0125
91304 CA LOS ANGELES Single Family 8.375 0.5 0 0.0125
92126 CA SAN DIEGO Single Family 8.5 0.5 0 0.0125
95403 CA SANTA XXXX Single Family 10.375 0.5 0 0.0125
92336 CA FONTANA Single Family 9.875 0.5 0 0.0125
92585 CA ROMOLAND PUD 10.125 0.5 0 0.0125
91040 CA SUNLAND Single Family 9 0.5 0 0.0125
94085 CA SUNNYVALE Single Family 8.25 0.5 0 0.0125
94547 CA HERCULES PUD 10.625 0.5 0 0.0125
94518 CA CONCORD Single Family 10.75 0.5 0 0.0125
91340 CA SAN XXXXXXXX AREA Single Family 10.75 0.5 0 0.0125
94572 CA RODEO Single Family 10.375 0.5 0 0.0125
94110 CA SAN FRANCISCO 2-4 Family 7.375 0.5 0 0.0125
94553 CA MARTINEZ Single Family 8.5 0.5 0 0.0125
92508 CA RIVERSIDE Single Family 11.75 0.5 0 0.0125
94105 CA SAN FRANCISCO Condominium 10 0.5 0 0.0125
90660 CA PICO XXXXXX Single Family 9.875 0.5 0 0.0125
94805 CA RICHMOND Single Family 9.875 0.5 0 0.0125
95436 CA FORESTVILLE Single Family 10.75 0.5 0 0.0125
30281 GA STOCKBRIDGE Single Family 11.125 0.5 0 0.0125
30268 GA PALMETTO PUD 10 0.5 0 0.0125
30248 GA LOCUST GROVE PUD 10.5 0.5 0 0.0125
30054 GA OXFORD PUD 11.25 0.5 0 0.0125
30144 GA KENNESAW PUD 10.5 0.5 0 0.0125
91362 CA THOUSAND OAKS Condominium 11.25 0.5 0 0.0125
92630 CA LAKE FOREST Condominium 11.5 0.5 0 0.0125
92374 CA REDLANDS Single Family 9.5 0.5 0 0.0125
60827 IL RIVERDALE Single Family 12.625 0.5 0 0.0125
33569 FL RIVERVIEW PUD 10.5 0.5 0 0.0125
29907 SC BEAUFORT Single Family 13.625 0.5 0 0.0125
60140 IL XXXXXXX GROVE Single Family 11 0.5 0 0.0125
11207 NY BROOKLYN 2-4 Family 12.75 0.5 0 0.0125
89117 NV LAS VEGAS Single Family 11.5 0.5 0 0.0125
30331 GA ATLANTA PUD 10.5 0.5 0 0.0125
30168 GA AUSTELL PUD 11.375 0.5 0 0.0125
33569 FL RIVERVIEW PUD 9 0.5 0 0.0125
30093 GA NORCROSS PUD 10.5 0.5 0 0.0125
30263 GA NEWNAN PUD 10.25 0.5 0 0.0125
30043 GA LAWRENCEVILLE Single Family 9.375 0.5 0 0.0125
30043 GA LAWRENCEVILLE PUD 9.375 0.5 0 0.0125
33569 FL RIVERVIEW PUD 9.5 0.5 0 0.0125
30144 GA KENNESAW Condominium 11.25 0.5 0 0.0125
30213 GA FAIRBURN PUD 11 0.5 0 0.0125
30032 GA DECATUR Single Family 9 0.5 0 0.0125
11743 NY HUNTINGTON Single Family 9.75 0.5 0 0.0125
93536 CA LANCASTER Single Family 11 0.5 0 0.0125
91761 CA ONTARIO Single Family 11.25 0.5 0 0.0125
92688 CA RANCHO SANTA XXXXXXXXX PUD 8.5 0.5 0 0.0125
11003 NY ELMONT Single Family 12.25 0.5 0 0.0125
91105 CA PASADENA Condominium 9.375 0.5 0 0.0125
90043 CA LOS ANGELES Single Family 11.875 0.5 0 0.0125
30157 GA DALLAS Single Family 11 0.5 0 0.0125
33805 FL LAKELAND PUD 11.55 0.5 0 0.0125
32776 FL SORRENTO PUD 11.425 0.5 0 0.0125
20841 MD BOYDS PUD 11.05 0.5 0 0.0125
1108 MA SPRINGFIELD 2-4 Family 12.55 0.5 0 0.0125
90047 CA LOS ANGELES Single Family 10.25 0.5 0 0.0125
95125 CA SAN XXXX Single Family 10.875 0.5 0 0.0125
91722 CA COVINA Single Family 9.375 0.5 0 0.0125
93212 CA XXXXXXXX PUD 11.625 0.5 0 0.0125
92336 CA FONTANA Single Family 11.875 0.5 0 0.0125
93030 CA OXNARD Single Family 10.75 0.5 0 0.0125
95132 CA SAN XXXX PUD 11.25 0.5 0 0.0125
93292 CA VISALIA Single Family 11 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 11.75 0.5 0 0.0125
93535 CA LANCASTER Single Family 10.25 0.5 0 0.0125
98671 WA WASHOUGAL Single Family 12.375 0.5 0 0.0125
92509 CA RIVERSIDE Single Family 9.5 0.5 0 0.0125
92386 CA SUGARLOAF Single Family 9.875 0.5 0 0.0125
33569 FL RIVERVIEW PUD 11.625 0.5 0 0.0125
91706 CA XXXXXXX PARK PUD 11 0.5 0 0.0125
33928 FL ESTERO Single Family 9.75 0.5 0 0.0125
2563 MA SANDWICH Single Family 9.875 0.5 0 0.0125
2769 MA REHOBOTH Single Family 12.375 0.5 0 0.0125
6855 CT NORWALK 2-4 Family 13 0.5 0 0.0125
8322 NJ FRANKLINVILLE Single Family 11.75 0.5 0 0.0125
11703 NY NORTH BABYLON Single Family 11.75 0.5 0 0.0125
7666 NJ TEANECK Single Family 11.875 0.5 0 0.0125
44128 OH CLEVELAND Single Family 10.25 0.5 0 0.0125
10552 NY MOUNT XXXXXX Single Family 10.875 0.5 0 0.0125
46327 IN HAMMOND 2-4 Family 11.875 0.5 0 0.0125
7203 NJ ROSELLE Single Family 9.75 0.5 0 0.0125
33952 FL PORT CHARLOTTE Single Family 11.25 0.5 0 0.0125
34288 FL NORTH PORT Single Family 11.75 0.5 0 0.0125
34288 FL NORTH PORT Single Family 11.75 0.5 0 0.0125
11722 NY CENTRAL ISLIP Single Family 11.625 0.5 0 0.0125
20032 DC WASHINGTON Single Family 12.05 0.5 0 0.0125
91701 CA RANCHO CUCAMONGA Single Family 10.5 0.5 0 0.0125
92345 CA HESPERIA Single Family 11.25 0.5 0 0.0125
92673 CA SAN CLEMENTE PUD 12.125 0.5 0 0.0125
81019 CO COLORADO CITY Single Family 12.75 0.5 0 0.0125
85015 AZ PHOENIX Single Family 11.75 0.5 0 0.0125
85015 AZ PHOENIX Single Family 12 0.5 0 0.0125
98070 WA VASHON Single Family 9.625 0.5 0 0.0125
00000 XX XXXXXXXX Single Family 10.875 0.5 0 0.0125
37876 TN SEVIERVILLE Single Family 10 0.5 0 0.0125
36605 AL MOBILE Single Family 9.875 0.5 0 0.0125
8901 NJ NEW BRUNSWICK 2-4 Family 9.5 0.5 0 0.0125
8901 NJ NEW BRUNSWICK Single Family 10.5 0.5 0 0.0125
98445 WA TACOMA Condominium 9.75 0.5 0 0.0125
87144 NM RIO RANCHO PUD 10.375 0.5 0 0.0125
98037 WA LYNNWOOD Single Family 11.5 0.5 0 0.0125
80221 CO DENVER Single Family 11.5 0.5 0 0.0125
30135 GA DOUGLASVILLE Single Family 12.375 0.5 0 0.0125
77066 TX HOUSTON Single Family 13.675 0.5 0 0.0125
48239 MI XXXXXXX Single Family 12 0.5 0 0.0125
30331 GA ATLANTA PUD 10 0.5 0 0.0125
30296 GA RIVERDALE PUD 12.5 0.5 0 0.0125
30291 GA UNION CITY PUD 11 0.5 0 0.0125
30016 GA XXXXXXXXX Single Family 10.75 0.5 0 0.0125
31216 GA MACON PUD 10 0.5 0 0.0125
30041 GA CUMMING PUD 10.875 0.5 0 0.0125
30043 GA LAWRENCEVILLE PUD 9.75 0.5 0 0.0125
30044 GA LAWRENCEVILLE PUD 10.5 0.5 0 0.0125
33569 FL RIVERVIEW PUD 10.875 0.5 0 0.0125
30014 GA XXXXXXXXX Single Family 9.875 0.5 0 0.0125
30017 GA GRAYSON PUD 11 0.5 0 0.0125
30016 GA XXXXXXXXX Single Family 10.25 0.5 0 0.0125
30016 GA XXXXXXXXX PUD 10.875 0.5 0 0.0125
31324 GA RICHMOND HILL Single Family 13.625 0.5 0 0.0125
64062 MO XXXXXX Single Family 11.375 0.5 0 0.0125
30188 GA WOODSTOCK PUD 9.25 0.5 0 0.0125
93550 CA PALMDALE Single Family 9.375 0.5 0 0.0125
91902 CA CHULA VISTA Single Family 11.75 0.5 0 0.0125
91730 CA RANCHO CUCAMONGA Single Family 11.75 0.5 0 0.0125
34221 FL PALMETTO Single Family 11.75 0.5 0 0.0125
30281 GA STOCKBRIDGE PUD 10.625 0.5 0 0.0125
30291 GA UNION CITY PUD 9.75 0.5 0 0.0125
30248 GA LOCUST GROVE PUD 10.75 0.5 0 0.0125
30016 GA XXXXXXXXX Single Family 11 0.5 0 0.0125
30115 GA CANTON PUD 10.375 0.5 0 0.0125
30114 GA CANTON PUD 9.125 0.5 0 0.0125
91605 CA LOS ANGELES Single Family 9.875 0.5 0 0.0125
90022 CA LOS ANGELES AREA Single Family 10 0.5 0 0.0125
92679 CA TRABUCO CANYON AREA Single Family 11.125 0.5 0 0.0125
92571 CA PERRIS PUD 10.625 0.5 0 0.0125
91741 CA GLENDORA Single Family 10.375 0.5 0 0.0125
90631 CA LA HABRA Condominium 11.5 0.5 0 0.0125
92374 CA REDLANDS Single Family 9.25 0.5 0 0.0125
92688 CA RANCHO SANTA XXXXXXXXX Condominium 11.25 0.5 0 0.0125
92234 CA CATHEDRAL CITY Single Family 9.625 0.5 0 0.0125
90650 CA NORWALK Single Family 12 0.5 0 0.0125
90802 CA LONG BEACH 2-4 Family 13.875 0.5 0 0.0125
90631 CA LA HABRA Single Family 10.875 0.5 0 0.0125
91504 CA BURBANK 2-4 Family 11.875 0.5 0 0.0125
92392 CA VICTORVILLE Single Family 9.875 0.5 0 0.0125
92504 CA RIVERSIDE Single Family 11.125 0.5 0 0.0125
95139 CA SAN XXXX Single Family 11.99 0.5 0 0.0125
95138 CA SAN XXXX PUD 11.375 0.5 0 0.0125
85323 AZ AVONDALE PUD 11.125 0.5 0 0.0125
87505 NM SANTA FE Condominium 11.25 0.5 0 0.0125
95315 CA DELHI Single Family 11.125 0.5 0 0.0125
95118 CA SAN XXXX Single Family 9.5 0.5 0 0.0125
93446 CA PASO XXXXXX PUD 11.99 0.5 0 0.0125
85258 AZ SCOTTSDALE PUD 10.5 0.5 0 0.0125
95037 CA XXXXXX HILL PUD 11.99 0.5 0 0.0125
94041 CA MOUNTAIN VIEW Single Family 10.75 0.5 0 0.0125
93304 CA BAKERSFIELD Single Family 8.5 0.5 0 0.0125
94591 CA VALLEJO PUD 11.99 0.5 0 0.0125
95060 CA SANTA XXXX Hi-Rise Condo 11.99 0.5 0 0.0125
85365 AZ YUMA Single Family 11.99 0.5 0 0.0125
93955 CA SEASIDE Single Family 11.99 0.5 0 0.0125
93610 CA CHOWCHILLA Single Family 11.875 0.5 0 0.0125
85350 AZ SOMERTON Single Family 10.5 0.5 0 0.0125
94577 CA SAN LEANDRO Single Family 11.125 0.5 0 0.0125
95122 CA SAN XXXX Single Family 11.99 0.5 0 0.0125
96707 HI KAPOLEI Condominium 10.25 0.5 0 0.0125
94541 CA HAYWARD 2-4 Family 10.25 0.5 0 0.0125
95138 CA SAN XXXX Single Family 10.25 0.5 0 0.0125
95621 CA CITRUS HEIGHTS Single Family 11.375 0.5 0 0.0125
92683 CA WESTMINSTER Single Family 10.99 0.5 0 0.0125
95066 CA SCOTTS VALLEY PUD 12.5 0.5 0 0.0125
30228 GA HAMPTON PUD 10.5 0.5 0 0.0125
92551 CA XXXXXX VALLEY Single Family 11.25 0.5 0 0.0125
92677 CA LAGUNA NIGUEL Condominium 11.2 0.5 0 0.0125
33165 FL MIAMI Single Family 9.95 0.5 0 0.0125
34683 FL PALM HARBOR PUD 11.8 0.5 0 0.0125
78628 TX GEORGETOWN Single Family 9.35 0.5 0 0.0125
85338 AZ GOODYEAR Single Family 8.5 0.5 0 0.0125
7305 NJ JERSEY CITY 2-4 Family 9.99 0.5 0 0.0125
33015 FL MIAMI PUD 10.4 0.5 0 0.0125
77040 TX HOUSTON Single Family 9.99 0.5 0 0.0125
75068 TX LITTLE ELM PUD 9.35 0.5 0 0.0125
98366 WA PORT ORCHARD Single Family 9.38 0.5 0 0.0125
8879 NJ OLD BRIDGE TWP Single Family 11.1 0.5 0 0.0125
79109 TX AMARILLO Single Family 11.75 0.5 0 0.0125
75044 TX GARLAND Single Family 9.99 0.5 0 0.0125
37138 TN OLD HICKORY Single Family 8.66 0.5 0 0.0125
92023 CA ENCINITAS 2-4 Family 10.75 0.5 0 0.0125
92394 CA VICTORVILLE Single Family 11.99 0.5 0 0.0125
92804 CA ANAHEIM Single Family 11.99 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 11.99 0.5 0 0.0125
93308 CA BAKERSFIELD Single Family 11.5 0.5 0 0.0125
93908 CA SALLINAS Single Family 8.99 0.5 0 0.0125
91752 CA MIRA LOMA Single Family 11.99 0.5 0 0.0125
91761 CA ONTARIO Single Family 9.45 0.5 0 0.0125
74008 OK XXXXX Single Family 9.99 0.5 0 0.0125
12550 NY NEWBURGH Single Family 11.1 0.5 0 0.0125
38016 TN XXXXXXX Single Family 8.34 0.5 0 0.0125
75098 TX XXXXX Single Family 9.99 0.5 0 0.0125
96094 CA WEED Single Family 9.75 0.5 0 0.0125
75022 TX FLOWER MOUND Single Family 9.99 0.5 0 0.0125
33411 FL ROYAL PALM BEAC Single Family 9.85 0.5 0 0.0125
92879 CA CORONA Single Family 10.65 0.5 0 0.0125
78041 TX LAREDO Single Family 9.99 0.5 0 0.0125
55318 MN CHASKA Single Family 10.6 0.5 0 0.0125
27610 NC RALEIGH Single Family 12.3 0.5 0 0.0125
97224 OR TIGARD Single Family 8.65 0.5 0 0.0125
97007 OR BEAVERTON Single Family 9.75 0.5 0 0.0125
6238 CT COVENTRY Single Family 8.75 0.5 0 0.0125
92860 CA NORCO Single Family 8.99 0.5 0 0.0125
90063 CA LOS ANGELES 2-4 Family 11.5 0.5 0 0.0125
92376 CA RIALTO Single Family 11.99 0.5 0 0.0125
93041 CA PORT HUENEME Condominium 11.99 0.5 0 0.0125
87114 NM ALBUQUERQUE Single Family 10.75 0.5 0 0.0125
92675 CA SAN XXXX CAPISTRANO Condominium 11.99 0.5 0 0.0125
93065 CA SIMI VALLEY Single Family 11.99 0.5 0 0.0125
92019 CA EL CAJON Single Family 11.99 0.5 0 0.0125
93552 CA PALMDALE Single Family 8.99 0.5 0 0.0125
33027 FL MIRAMAR Single Family 11.75 0.5 0 0.0125
78628 TX GEORGETOWN Single Family 9.99 0.5 0 0.0125
44090 OH WELLINGTON Single Family 9 0.5 0 0.0125
11550 NY HEMPSTEAD Single Family 9.99 0.5 0 0.0125
90022 CA LOS ANGELES Single Family 9.99 0.5 0 0.0125
92804 CA ANAHEIM Single Family 10.55 0.5 0 0.0125
74055 OK OWASSO Single Family 9.99 0.5 0 0.0125
33014 FL HIALEAH PUD 8.75 0.5 0 0.0125
93534 CA LANCASTER Single Family 10.6 0.5 0 0.0125
91042 CA TUJUNGA Single Family 11.125 0.5 0 0.0125
92392 CA VICTORVILLE Single Family 11.5 0.5 0 0.0125
93015 CA FILLMORE Single Family 11.99 0.5 0 0.0125
92530 CA LAKE ELSINORE 2-4 Family 11.99 0.5 0 0.0125
92673 CA SAN CLEMENTE PUD 11.99 0.5 0 0.0125
34997 FL STUART Single Family 12.3 0.5 0 0.0125
33461 FL LAKE WORTH 2-4 Family 10.15 0.5 0 0.0125
33990 FL CAPE CORAL Single Family 9.8 0.5 0 0.0125
91744 CA LA XXXXXX Single Family 9.99 0.5 0 0.0125
32305 FL TALLAHASSEE Single Family 12.4 0.5 0 0.0125
33322 FL SUNRISE Condominium 9.8 0.5 0 0.0125
30083 GA STONE MOUNTAIN 2-4 Family 10.15 0.5 0 0.0125
85757 AZ TUCSON PUD 11.99 0.5 0 0.0125
93004 CA VENTURA Single Family 11.75 0.5 0 0.0125
92704 CA SANTA XXX Single Family 11.99 0.5 0 0.0125
33917 FL NORTH FORT XXXX Single Family 9.99 0.5 0 0.0125
77584 TX PEARLAND PUD 9.99 0.5 0 0.0125
75098 TX WYLIE PUD 9.35 0.5 0 0.0125
33426 FL BOYNTON BEACH PUD 9.65 0.5 0 0.0125
2171 MA QUINCY Hi-Rise Condo 10.9 0.5 0 0.0125
33025 FL PEMBROKE PINES PUD 9.55 0.5 0 0.0125
75098 TX XXXXX Single Family 9.99 0.5 0 0.0125
76002 TX ARLINGTON PUD 9.99 0.5 0 0.0125
37803 TN MARYVILLE Single Family 8.66 0.5 0 0.0125
92704 CA SANTA XXX Single Family 11.375 0.5 0 0.0125
91762 CA ONTARIO Single Family 9.99 0.5 0 0.0125
92071 CA SANTEE PUD 11.99 0.5 0 0.0125
89460 NV GARDNERVILLE Single Family 11.75 0.5 0 0.0125
80601 CO BRIGHTON PUD 9.75 0.5 0 0.0125
54616 WI XXXXX Single Family 7.99 0.5 0 0.0125
33331 FL DAVIE PUD 10.55 0.5 0 0.0125
90002 CA LOS ANGELES Single Family 9.75 0.5 0 0.0125
75043 TX GARLAND PUD 9.99 0.5 0 0.0125
75087 TX FATE Single Family 9.99 0.5 0 0.0125
92083 CA VISTA Single Family 11.99 0.5 0 0.0125
85379 AZ SURPRISE PUD 11.99 0.5 0 0.0125
94583 CA SAN XXXXX PUD 11.99 0.5 0 0.0125
95050 CA SANTA XXXXX Single Family 10.99 0.5 0 0.0125
95060 CA SANTA XXXX Single Family 10.99 0.5 0 0.0125
95003 CA APTOS PUD 11.99 0.5 0 0.0125
94577 CA SAN LEANDRO Single Family 10.99 0.5 0 0.0125
93933 CA MARINA Single Family 11.99 0.5 0 0.0125
29161 SC TIMMONSVILLE Single Family 9 0.5 0 0.0125
11727 NY CORAM Single Family 9.55 0.5 0 0.0125
34743 FL KISSIMMEE Single Family 9.65 0.5 0 0.0125
43616 OH OREGON Condominium 8.65 0.5 0 0.0125
49506 MI GRAND RAPIDS Single Family 7.99 0.5 0 0.0125
98310 WA BREMERTON Single Family 11 0.5 0 0.0125
2886 RI WARWICK Single Family 9.15 0.5 0 0.0125
93534 CA LANCASTER Single Family 9.25 0.5 0 0.0125
95023 CA HOLLISTER Single Family 11.875 0.5 0 0.0125
93234 CA HURON Single Family 10.75 0.5 0 0.0125
89031 NV NORTH LAS VEGAS Condominium 10.625 0.5 0 0.0125
94539 CA FREMONT Single Family 11.99 0.5 0 0.0125
95367 CA RIVERBANK Single Family 11.875 0.5 0 0.0125
89403 NV DAYTON Single Family 12.125 0.5 0 0.0125
85544 AZ PINE Single Family 12.125 0.5 0 0.0125
85017 AZ PHOENIX Single Family 11.625 0.5 0 0.0125
83642 ID MERIDIAN PUD 8.875 0.5 0 0.0125
85323 AZ AVONDALE PUD 8.875 0.5 0 0.0125
83686 ID NAMPA PUD 12 0.5 0 0.0125
85339 AZ LAVEEN PUD 11.875 0.5 0 0.0125
37130 TN MURFREESBORO Single Family 10.625 0.5 0 0.0125
98409 WA TACOMA 2-4 Family 11.375 0.5 0 0.0125
85345 AZ PEORIA Single Family 10 0.5 0 0.0125
95817 CA SACRAMENTO Single Family 9.875 0.5 0 0.0125
23707 VA PORTSMOUTH Single Family 10.625 0.5 0 0.0125
36117 XX XXXXXXXXXX Single Family 11.375 0.5 0 0.0125
92345 CA HESPERIA Single Family 9.75 0.5 0 0.0125
32736 FL EUSTIS PUD 10.5 0.5 0 0.0125
97206 OR PORTLAND 2-4 Family 11.625 0.5 0 0.0125
20783 MD HYATTSVILLE Hi-Rise Condo 12.375 0.5 0 0.0125
85335 AZ EL MIRAGE PUD 11.125 0.5 0 0.0125
83352 ID SHOSHONE Single Family 9.625 0.5 0 0.0125
2780 MA TAUNTON 2-4 Family 11.5 0.5 0 0.0125
2537 MA EAST SANDWICH Single Family 13.25 0.5 0 0.0125
22191 VA WOODBRIDGE PUD 13.5 0.5 0 0.0125
85383 AZ PEORIA PUD 10.25 0.5 0 0.0125
85008 AZ PHOENIX Single Family 11.5 0.5 0 0.0125
78132 TX NEW BRAUNFELS PUD 11.75 0.5 0 0.0125
33991 FL CAPE CORAL Single Family 13.625 0.5 0 0.0125
83634 ID KUNA PUD 9.375 0.5 0 0.0125
83704 ID BOISE PUD 10.75 0.5 0 0.0125
86404 AZ LAKE HAVASU CITY Single Family 10.375 0.5 0 0.0125
30071 GA NORCROSS PUD 11.625 0.5 0 0.0125
75087 TX ROCKWALL Single Family 12.375 0.5 0 0.0125
90240 CA XXXXXX Single Family 12 0.5 0 0.0125
85383 AZ PEORIA PUD 10.5 0.5 0 0.0125
00000 XX XXXXXXXXX Condominium 11.875 0.5 0 0.0125
30016 GA COVINGTON Single Family 13.625 0.5 0 0.0125
97202 OR PORTLAND Single Family 11.625 0.5 0 0.0125
30188 GA WOODSTOCK Single Family 11.25 0.5 0 0.0125
92337 CA FONTANA Single Family 11 0.5 0 0.0125
89122 NV LAS VEGAS PUD 10.75 0.5 0 0.0125
22408 VA FREDERICKSBURG Single Family 10.5 0.5 0 0.0125
30017 GA GRAYSON Single Family 10 0.5 0 0.0125
60623 IL CHICAGO 2-4 Family 10.875 0.5 0 0.0125
80134 CO XXXXXX PUD 12.5 0.5 0 0.0125
85254 AZ SCOTTSDALE Single Family 13 0.5 0 0.0125
85323 AZ AVONDALE PUD 11.125 0.5 0 0.0125
49503 MI GRAND RAPIDS 2-4 Family 14.125 0.5 0 0.0125
85037 AZ PHOENIX PUD 11.125 0.5 0 0.0125
83252 ID MALAD CITY Single Family 9.25 0.5 0 0.0125
84037 UT KAYSVILLE PUD 11.25 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 9.25 0.5 0 0.0125
21206 MD BALTIMORE Single Family 13.625 0.5 0 0.0125
00000 XX XXXXXX Single Family 11.875 0.5 0 0.0125
78250 TX SAN ANTONIO PUD 10.75 0.5 0 0.0125
87109 NM ALBUQUERQUE Single Family 11.375 0.5 0 0.0125
67156 KS WINFIELD Single Family 11.5 0.5 0 0.0125
96782 HI PEARL CITY PUD 9.125 0.5 0 0.0125
81003 CO PUEBLO Single Family 12.25 0.5 0 0.0125
27406 NC GREENSBORO Single Family 12.25 0.5 0 0.0125
97219 OR PORTLAND 2-4 Family 13.125 0.5 0 0.0125
85042 AZ PHOENIX Condominium 12 0.5 0 0.0125
85022 AZ PHOENIX Condominium 12 0.5 0 0.0125
21550 MD OAKLAND Condominium 11.25 0.5 0 0.0125
59911 MT BIGFORK PUD 11.125 0.5 0 0.0125
30132 GA DALLAS Single Family 10 0.5 0 0.0125
33710 FL ST PETERSBURG Single Family 12.125 0.5 0 0.0125
92563 CA MURRIETA PUD 11 0.5 0 0.0125
85008 AZ PHOENIX 2-4 Family 12.75 0.5 0 0.0125
64083 MO RAYMORE Single Family 14 0.5 0 0.0125
76262 TX TROPHY CLUB PUD 8.25 0.5 0 0.0125
21224 MD BALTIMORE Single Family 13.5 0.5 0 0.0125
84720 UT CEDAR CITY PUD 10.875 0.5 0 0.0125
00000 XX XXXXXXXXXX 2-4 Family 12.5 0.5 0 0.0125
21230 MD BALTIMORE Single Family 11.5 0.5 0 0.0125
19026 PA DREXEL HILL Single Family 10.875 0.5 0 0.0125
30071 GA NORCROSS PUD 12.375 0.5 0 0.0125
20774 MD UPPER MARLBORO PUD 13.375 0.5 0 0.0125
32736 FL EUSTIS PUD 10.75 0.5 0 0.0125
32092 FL ST AUGUSTINE PUD 11.125 0.5 0 0.0125
84043 UT EAGLE MOUNTAIN Single Family 10 0.5 0 0.0125
83686 ID NAMPA Single Family 9.875 0.5 0 0.0125
99201 WA SPOKANE Single Family 11.25 0.5 0 0.0125
75241 TX DALLAS Single Family 11.5 0.5 0 0.0125
21205 MD BALTIMORE Single Family 12.25 0.5 0 0.0125
98102 WA SEATTLE Condominium 11.125 0.5 0 0.0125
84040 UT XXXXXX Single Family 10.5 0.5 0 0.0125
21009 MD ABINGDON PUD 14.375 0.5 0 0.0125
20906 MD SILVER SPRING Condominium 10 0.5 0 0.0125
30344 GA EAST POINT Single Family 13.25 0.5 0 0.0125
83686 ID NAMPA Single Family 12.25 0.5 0 0.0125
97067 OR WELCHES PUD 10.375 0.5 0 0.0125
00000 XX XXXXXXXX FALLS 2-4 Family 9.75 0.5 0 0.0125
87120 NM ALBUQUERQUE Single Family 9.75 0.5 0 0.0125
95842 CA SACRAMENTO Single Family 14.5 0.5 0 0.0125
73013 OK EDMOND PUD 12 0.5 0 0.0125
18018 PA BETHLEHEM Single Family 10.125 0.5 0 0.0125
81505 CO GRAND JUNCTION PUD 13.625 0.5 0 0.0125
28080 NC IRON STATION Single Family 10.75 0.5 0 0.0125
52246 IA IOWA CITY Single Family 13 0.5 0 0.0125
39041 XX XXXXXX Single Family 9.925 0.5 0 0.0125
22485 VA KING XXXXXX PUD 11.125 0.5 0 0.0125
21040 MD EDGEWOOD PUD 11 0.5 0 0.0125
23464 VA VIRGINIA BEACH Single Family 11 0.5 0 0.0125
83642 ID MERIDIAN PUD 12.875 0.5 0 0.0125
23464 VA VIRGINIA BEACH PUD 11.875 0.5 0 0.0125
80909 CO COLORADO SPRINGS Single Family 9.625 0.5 0 0.0125
85284 AZ TEMPE Single Family 10.75 0.5 0 0.0125
32209 FL JACKSONVILLE Single Family 13 0.5 0 0.0125
80439 CO EVERGREEN Single Family 14.625 0.5 0 0.0125
20011 DC WASHINGTON Condominium 14.625 0.5 0 0.0125
80817 CO FOUNTAIN PUD 12.125 0.5 0 0.0125
4105 ME FALMOUTH Single Family 12.125 0.5 0 0.0125
83709 ID BOISE Single Family 14 0.5 0 0.0125
85929 AZ LAKESIDE Single Family 9.875 0.5 0 0.0125
19958 DE LEWES PUD 12.5 0.5 0 0.0125
75032 TX HEATH PUD 13.625 0.5 0 0.0125
97035 OR LAKE OSWEGO Single Family 9.5 0.5 0 0.0125
30506 GA GAINESVILLE Single Family 13.375 0.5 0 0.0125
21224 MD BALTIMORE Single Family 13.375 0.5 0 0.0125
1951 MA NEWBURY 2-4 Family 11.125 0.5 0 0.0125
97233 OR PORTLAND Single Family 12.125 0.5 0 0.0125
20706 MD LANHAM Single Family 11.875 0.5 0 0.0125
33914 FL CAPE CORAL Single Family 12.125 0.5 0 0.0125
46140 IN GREENFIELD Single Family 12.625 0.5 0 0.0125
32820 FL ORLANDO PUD 12.125 0.5 0 0.0125
32804 FL ORLANDO Single Family 13.25 0.5 0 0.0125
83647 ID MOUNTAIN HOME Single Family 10.25 0.5 0 0.0125
85326 AZ BUCKEYE PUD 11.75 0.5 0 0.0125
89130 NV LAS VEGAS Single Family 10.375 0.5 0 0.0125
92677 CA LAGUNA NIGUEL Condominium 9.625 0.5 0 0.0125
78550 TX HARLINGEN Single Family 10.125 0.5 0 0.0125
37421 TN CHATTANOOGA 2-4 Family 13.75 0.5 0 0.0125
76207 TX XXXXXX PUD 10.375 0.5 0 0.0125
89081 NV LAS VEGAS PUD 8.5 0.5 0 0.0125
34238 FL SARASOTA PUD 14.25 0.5 0 0.0125
7307 NJ JERSEY CITY 2-4 Family 12.875 0.5 0 0.0125
89523 NV RENO PUD 9 0.5 0 0.0125
22042 VA FALLS CHURCH Single Family 11.875 0.5 0 0.0125
93638 CA MADERA Single Family 13 0.5 0 0.0125
96707 HI KAPOLEI Condominium 9.625 0.5 0 0.0125
20132 VA PURCELLVILLE PUD 11.875 0.5 0 0.0125
47384 IN XXXXXXX Single Family 13.5 0.5 0 0.0125
37381 TN SPRING CITY PUD 9.875 0.5 0 0.0125
30311 GA ATLANTA Single Family 12.875 0.5 0 0.0125
15053 PA JOFFRE 2-4 Family 13.25 0.5 0 0.0125
83642 ID MERIDIAN PUD 11.875 0.5 0 0.0125
37013 TN ANTIOCH PUD 11.25 0.5 0 0.0125
29690 SC TRAVELERS REST Single Family 13.25 0.5 0 0.0125
83642 ID MERIDIAN PUD 12 0.5 0 0.0125
30157 GA DALLAS Single Family 9.99 0.5 0 0.0125
30064 GA MARIETTA Single Family 12.8 0.5 0 0.0125
32086 FL SAINT AUGUSTINE Single Family 9 0.5 0 0.0125
1085 MA WESTFIELD 2-4 Family 11.8 0.5 0 0.0125
28036 NC DAVIDSON Single Family 9.99 0.5 0 0.0125
30269 GA PEACHTREE CITY Single Family 12.6 0.5 0 0.0125
92505 CA RIVERSIDE Single Family 9.99 0.5 0 0.0125
97051 OR SAINT HELENS Single Family 11.75 0.5 0 0.0125
11413 NY SPRNGFIELD GARD Single Family 11.1 0.5 0 0.0125
85741 AZ TUCSON Single Family 9.99 0.5 0 0.0125
92509 CA RIVERSIDE Single Family 9.95 0.5 0 0.0125
80910 CO COLORADO SPRING Single Family 9.875 0.5 0 0.0125
96707 HI KAPOLEI PUD 10.5 0.5 0 0.0125
93030 CA OXNARD Single Family 11.75 0.5 0 0.0125
91745 CA HACIENDA HEIGHTS Single Family 11.99 0.5 0 0.0125
91381 CA VALENCIA Single Family 11.99 0.5 0 0.0125
86326 AZ COTTONWOOD Single Family 9.99 0.5 0 0.0125
90034 CA LOS ANGELES 2-4 Family 11.99 0.5 0 0.0125
38125 TN MEMPHIS Single Family 8.34 0.5 0 0.0125
8722 NJ BEACHWOOD Single Family 11.75 0.5 0 0.0125
60540 IL NAPERVILLE Single Family 8.75 0.5 0 0.0125
92236 CA COACHELLA Single Family 9.5 0.5 0 0.0125
27616 NC RALEIGH PUD 9.65 0.5 0 0.0125
95824 CA SACRAMENTO Single Family 9.95 0.5 0 0.0125
33187 FL MIAMI Single Family 9.99 0.5 0 0.0125
33186 FL MIAMI Single Family 11.3 0.5 0 0.0125
33065 FL CORAL SPRINGS Condominium 8.65 0.5 0 0.0125
34953 FL PORT SAINT LUCI Single Family 12.3 0.5 0 0.0125
29414 SC CHARLESTON Single Family 10.5 0.5 0 0.0125
89014 NV LAS VEGAS Single Family 10.5 0.5 0 0.0125
33125 FL MIAMI Condominium 9.99 0.5 0 0.0125
66062 KS OLATHE Single Family 8 0.5 0 0.0125
33155 FL MIAMI Condominium 9.99 0.5 0 0.0125
75235 TX DALLAS Single Family 9.99 0.5 0 0.0125
33190 FL MIAMI Single Family 9 0.5 0 0.0125
55076 MN INVER GROVE HEI Single Family 8.99 0.5 0 0.0125
33032 FL HOMESTEAD Single Family 9.99 0.5 0 0.0125
2124 MA DORCHESTER 2-4 Family 11.05 0.5 0 0.0125
92114 CA SAN DIEGO Single Family 11.99 0.5 0 0.0125
92316 CA RIALTO Single Family 11.99 0.5 0 0.0125
92394 CA VICTORVILLE Single Family 11.99 0.5 0 0.0125
90241 CA XXXXXX Single Family 12.5 0.5 0 0.0125
33071 FL CORAL SPRINGS Condominium 9.99 0.5 0 0.0125
55412 MN MINNEAPOLLIS Single Family 11.8 0.5 0 0.0125
77375 TX TOMBALL Single Family 8.65 0.5 0 0.0125
32773 FL SANFORD Single Family 9 0.5 0 0.0125
78746 TX AUSTIN Single Family 9.99 0.5 0 0.0125
34609 FL SPRING HILL Single Family 11.6 0.5 0 0.0125
92562 CA MURRIETA Single Family 9.99 0.5 0 0.0125
30071 GA NORCROSS PUD 11.05 0.5 0 0.0125
78613 TX CEDAR PARK Single Family 8.75 0.5 0 0.0125
30168 GA AUSTELL Single Family 9.99 0.5 0 0.0125
33126 FL MIAMI Hi-Rise Condo 10.5 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 11.8 0.5 0 0.0125
33461 FL LAKE WORTH Single Family 11.05 0.5 0 0.0125
33009 FL HALLANDALE BEAC Condominium 10.5 0.5 0 0.0125
33309 FL OAKLAND PARK Condominium 11.05 0.5 0 0.0125
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92630 CA LAKE FOREST PUD 11.99 0.5 0 0.0125
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91737 CA RANCHO CUCAMONG PUD 11.15 0.5 0 0.0125
32408 FL PANAMA CITY BEACH PUD 11.375 0.5 0 0.0125
2910 RI CRANSTON Single Family 10.625 0.5 0 0.0125
30106 GA AUSTELL 2-4 Family 14 0.5 0 0.0125
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99301 WA PASCO Single Family 12.375 0.5 0 0.0125
20503 MD WALDORF PUD 13.5 0.5 0 0.0125
77385 TX CONROE Single Family 9.999 0.5 0 0.0125
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37042 TN CLARKSVILLE 2-4 Family 8.91 0.5 0 0.0125
33311 FL FT. LAUDERDALE 2-4 Family 9.375 0.5 0 0.0125
33839 FL EAGLE LAKE PUD 13.375 0.5 0 0.0125
34758 FL KISSIMMEE Single Family 12.25 0.5 0 0.0125
32305 FL TALLAHASSEE Single Family 14.875 0.5 0 0.0125
17102 PA HARRISBURG Single Family 14 0.5 0 0.0125
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16226 PA FORD CITY 2-4 Family 12.75 0.5 0 0.0125
18013 PA EAST BANGER 2-4 Family 13.5 0.5 0 0.0125
85379 AZ SURPRISE PUD 11.625 0.5 0 0.0125
83338 ID XXXXXX Single Family 11 0.5 0 0.0125
37221 TN NASHVILLE PUD 11.75 0.5 0 0.0125
2908 RI PROVIDENCE 2-4 Family 11.5 0.5 0 0.0125
23223 VA RICHMOND Single Family 11.375 0.5 0 0.0125
34287 FL NORTH PORT Single Family 12.375 0.5 0 0.0125
30252 GA XXXXXXXXX PUD 11.25 0.5 0 0.0125
2813 RI CHARLESTOWN Single Family 10.375 0.5 0 0.0125
40229 KY LOUISVILLE Single Family 13.625 0.5 0 0.0125
85233 AZ GILBERT PUD 13.75 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 12.5 0.5 0 0.0125
34119 FL NAPLES PUD 11 0.5 0 0.0125
97060 OR TROUTDALE PUD 10 0.5 0 0.0125
21702 MD FREDERICK PUD 12.875 0.5 0 0.0125
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94513 CA BRENTWOOD Single Family 12 0.5 0 0.0125
60195 IL XXXXXXX ESTATES Single Family 13.125 0.5 0 0.0125
37075 TN HENDERSONVILLE PUD 11.75 0.5 0 0.0125
37203 TN NASHVILLE Condominium 11.5 0.5 0 0.0125
20716 MD BOWIE PUD 11 0.5 0 0.0125
85050 AZ PHOENIX Single Family 10.875 0.5 0 0.0125
22663 VA WHITE POST Single Family 10.125 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 12.625 0.5 0 0.0125
2907 RI PROVIDENCE 2-4 Family 14.25 0.5 0 0.0125
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83651 ID NAMPA Single Family 12.75 0.5 0 0.0125
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85381 AZ PEORIA Single Family 9.25 0.5 0 0.0125
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64030 MO GRANDVIEW PUD 12.625 0.5 0 0.0125
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80109 CO CASTLE ROCK PUD 13 0.5 0 0.0125
21136 MD REISTERSTOWN Condominium 12 0.5 0 0.0125
2632 MA CENTERVILLE Single Family 11.625 0.5 0 0.0125
21061 MD XXXX BURNIE Single Family 12.25 0.5 0 0.0125
87124 NM RIO RANCHO PUD 12.375 0.5 0 0.0125
48228 MI DETROIT Single Family 12.375 0.5 0 0.0125
85032 AZ PHOENIX Condominium 11.5 0.5 0 0.0125
30344 GA EAST POINTE Single Family 11.125 0.5 0 0.0125
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87112 NM ALBUQUERQUE Single Family 12.5 0.5 0 0.0125
30251 GA LUTHERSVILLE Single Family 10.125 0.5 0 0.0125
30032 GA DECATUR Single Family 10 0.5 0 0.0125
80537 CO LOVELAND PUD 9.875 0.5 0 0.0125
80537 CO LOVELAND PUD 9.875 0.5 0 0.0125
83687 ID NAMPA PUD 8.75 0.5 0 0.0125
20136 VA BRISTOW PUD 10.25 0.5 0 0.0125
23692 VA YORKTOWN Single Family 10.375 0.5 0 0.0125
46235 IN INDIANAPOLIS PUD 11.5 0.5 0 0.0125
99037 WA VERADALE Single Family 9.125 0.5 0 0.0125
2860 RI PAWTUCKET 2-4 Family 8.75 0.5 0 0.0125
20653 MD LEXINGTON PARK PUD 13.375 0.5 0 0.0125
89015 NV XXXXXXXXX Single Family 12.375 0.5 0 0.0125
23320 VA CHESAPEAKE Single Family 9.75 0.5 0 0.0125
49006 MI KALAMAZOO 2-4 Family 13.75 0.5 0 0.0125
37048 TN COTTONTOWN Single Family 9.875 0.5 0 0.0125
98002 WA AUBURN Single Family 11.375 0.5 0 0.0125
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20774 MD UPPER MARLBORO PUD 11.75 0.5 0 0.0125
83651 ID NAMPA PUD 12.375 0.5 0 0.0125
85239 AZ MARICOPA PUD 10 0.5 0 0.0125
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85243 AZ QUEEN CREEK PUD 11.625 0.5 0 0.0125
8109 NJ PENNSAUKEN Single Family 12.5 0.5 0 0.0125
49506 MI GRAND RAPIDS Single Family 14.25 0.5 0 0.0125
96022 CA COTTONWOOD PUD 9.5 0.5 0 0.0125
87110 NM ALBUQUERQUE Single Family 12.125 0.5 0 0.0125
30331 GA ATLANTA Single Family 8.875 0.5 0 0.0125
27298 NC LIBERTY Single Family 14.625 0.5 0 0.0125
85310 AZ GLENDALE PUD 10.5 0.5 0 0.0125
20155 VA GAINESVILLE Single Family 11.5 0.5 0 0.0125
75087 TX ROCKWALL PUD 10 0.5 0 0.0125
33777 FL SEMINOLE Single Family 10.375 0.5 0 0.0125
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23322 VA CHESAPEAKE Single Family 10.25 0.5 0 0.0125
86444 AZ MEADVIEW Single Family 10 0.5 0 0.0125
85035 AZ PHOENIX Single Family 10.5 0.5 0 0.0125
23860 VA HOPEWELL Single Family 10.5 0.5 0 0.0125
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33511 FL XXXXXXX PUD 11.75 0.5 0 0.0125
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30253 GA XXXXXXXXX PUD 12.875 0.5 0 0.0125
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83713 ID BOISE Single Family 12.625 0.5 0 0.0125
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30576 GA TIGER Single Family 10.25 0.5 0 0.0125
50669 IA REINBECK 2-4 Family 12.5 0.5 0 0.0125
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48228 MI DETROIT Single Family 11 0.5 0 0.0125
86322 AZ CAMP VERDE PUD 12.5 0.5 0 0.0125
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49509 MI WYOMING 2-4 Family 12.875 0.5 0 0.0125
83642 ID MERIDIAN PUD 11.125 0.5 0 0.0125
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33167 FL MIAMI Single Family 11.15 0.5 0 0.0125
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33021 FL HOLLYWOOD Hi-Rise Condo 9.95 0.5 0 0.0125
33186 FL MIAMI PUD 10.3 0.5 0 0.0125
33463 FL LAKE WORTH PUD 10.65 0.5 0 0.0125
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11516 NY CEDARHURST Single Family 11.75 0.5 0 0.0125
34953 FL PORT SAINT LUCI Single Family 11.05 0.5 0 0.0125
20191 VA RESTON Single Family 9 0.5 0 0.0125
32092 FL SAINT AUGUSTINE PUD 9.85 0.5 0 0.0125
33138 FL MIAMI Single Family 8.65 0.5 0 0.0125
74033 OK GLENPOOL Single Family 9.99 0.5 0 0.0125
20121 VA CENTREVILLE Single Family 9.99 0.5 0 0.0125
33415 FL WEST PALM BEACH PUD 11.05 0.5 0 0.0125
55423 MN BLOOMINGTON Single Family 10.218 0.5 0 0.0125
57701 SD RAPID CITY PUD 13.625 0.5 0 0.0125
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97229 OR PORTLAND Single Family 12.25 0.5 0 0.0125
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83642 ID MERIDIAN PUD 11.5 0.5 0 0.0125
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83709 ID BOISE PUD 8.375 0.5 0 0.0125
92562 CA MURRIETA Condominium 13.875 0.5 0 0.0125
87144 NM RIO RANCHO PUD 11.375 0.5 0 0.0125
27892 NC WILLIAMSTON Single Family 11.75 0.5 0 0.0125
83202 ID CHUBBUCK Single Family 9.5 0.5 0 0.0125
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34652 FL NEW PORT XXXXXX Single Family 10.75 0.5 0 0.0125
83709 ID BOISE Single Family 10.625 0.5 0 0.0125
75050 TX GRAND PRAIRIE PUD 10 0.5 0 0.0125
84119 UT SALT LAKE CITY 2-4 Family 12 0.5 0 0.0125
33844 FL XXXXXX CITY Single Family 10 0.5 0 0.0125
84119 UT SALT LAKE CITY 2-4 Family 12 0.5 0 0.0125
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77355 TX MAGNOLIA PUD 11.25 0.5 0 0.0125
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33774 FL LARGO Single Family 11.875 0.5 0 0.0125
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88001 NM LAS CRUCAS Single Family 11.125 0.5 0 0.0125
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21017 MD BEL CAMP PUD 12.875 0.5 0 0.0125
95112 CA SAN XXXX Single Family 12 0.5 0 0.0125
33064 FL LIGHTHOUSE POIN Single Family 9.5 0.5 0 0.0125
60084 IL WAUCONDA PUD 13.375 0.5 0 0.0125
32963 FL VERO BEACH PUD 10.75 0.5 0 0.0125
23185 VA WILLIAMSBURG PUD 9.125 0.5 0 0.0125
63033 MO FLORISSANT Single Family 11.5 0.5 0 0.0125
80132 CO MONUMENT PUD 13 0.5 0 0.0125
30310 GA ATLANTA 2-4 Family 13.5 0.5 0 0.0125
97302 OR SALEM Single Family 11.875 0.5 0 0.0125
4530 ME BATH Single Family 11.125 0.5 0 0.0125
80918 CO COLORADO SPRINGS Single Family 11.875 0.5 0 0.0125
37064 TN FRANKLIN Single Family 10.5 0.5 0 0.0125
89147 NV LAS VEGAS Condominium 11.5 0.5 0 0.0125
20748 MD TEMPLE HILLS Single Family 11.25 0.5 0 0.0125
85048 AZ PHOENIX Condominium 9.625 0.5 0 0.0125
32812 FL ORLANDO PUD 10.375 0.5 0 0.0125
34759 FL KISSIMMEE PUD 13.125 0.5 0 0.0125
85006 AZ PHOENIX Single Family 11.125 0.5 0 0.0125
92596 CA WINCHESTER Single Family 10 0.5 0 0.0125
20121 VA CENTREVILLE Single Family 14.375 0.5 0 0.0125
85351 AZ SUN CITY PUD 12.375 0.5 0 0.0125
48603 MI SAGINAW Single Family 12.25 0.5 0 0.0125
83204 ID POCATELLO 2-4 Family 12.875 0.5 0 0.0125
83687 ID NAMPA PUD 10.875 0.5 0 0.0125
99202 WA SPOKANE 2-4 Family 11.875 0.5 0 0.0125
96793 HI WAILUKU Condominium 9.5 0.5 0 0.0125
34610 FL SPRING HILL PUD 9.875 0.5 0 0.0125
22407 VA FREDERICKSBURG Single Family 11.875 0.5 0 0.0125
32771 FL XXXXXXX PUD 9.375 0.5 0 0.0125
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49506 MI GRAND RAPIDS Single Family 14.25 0.5 0 0.0125
23224 VA RICHMOND Single Family 12.875 0.5 0 0.0125
92705 CA SANTA XXX Condominium 11.8 0.5 0 0.0125
92240 CA DESERT HOT SPRI PUD 12.3 0.5 0 0.0125
84404 UT XXXXX Single Family 8.5 0.5 0 0.0125
80922 CO COLORADO SPRING PUD 10.4 0.5 0 0.0125
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33326 FL WESTON PUD 9.5 0.5 0 0.0125
98661 WA VANCOUVER Single Family 8.5 0.5 0 0.0125
60448 IL MOKENA Single Family 11.05 0.5 0 0.0125
23320 VA CHESAPEAKE Condominium 11.8 0.5 0 0.0125
27203 NC ASHEBORO Single Family 11.8 0.5 0 0.0125
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7111 NJ IRVINGTON Single Family 12.5 0.5 0 0.0125
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63121 MO ST. LOUIS Single Family 12.375 0.5 0 0.0125
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21793 MD WALKERSVILLE PUD 10.625 0.5 0 0.0125
89148 NV LAS VEGAS PUD 11.625 0.5 0 0.0125
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30153 GA ROCKMART Single Family 10.75 0.5 0 0.0125
3062 NH NASHUA Single Family 12.5 0.5 0 0.0125
30132 GA DALLAS PUD 10.625 0.5 0 0.0125
22192 VA WOODBRIDGE PUD 12.5 0.5 0 0.0125
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32757 FL MOUNT XXXX Single Family 12.75 0.5 0 0.0125
71842 AR HORATIO Single Family 8.625 0.5 0 0.0125
22203 VA ARLINGTON Single Family 9.75 0.5 0 0.0125
86314 AZ PRESCOTT VALLEY Single Family 12 0.5 0 0.0125
34219 FL PARRISH PUD 10.875 0.5 0 0.0125
46234 IN INDIANAPOLIS PUD 13 0.5 0 0.0125
83605 ID XXXXXXXX Single Family 11.125 0.5 0 0.0125
29316 SC BOILING SPRINGS Single Family 9.875 0.5 0 0.0125
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98292 WA STANWOOD Single Family 10.75 0.5 0 0.0125
85017 AZ PHOENIX Condominium 12.75 0.5 0 0.0125
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20783 MD HYATTSVILLE Condominium 10.875 0.5 0 0.0125
32210 FL JACKSONVILLE Single Family 14.25 0.5 0 0.0125
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87508 NM SANTA FE Single Family 11.625 0.5 0 0.0125
80421 CO XXXXXX Single Family 10.5 0.5 0 0.0125
97013 OR CANBY Single Family 12.125 0.5 0 0.0125
28112 NC MONROE Single Family 9.5 0.5 0 0.0125
83642 ID MERIDIAN PUD 10.25 0.5 0 0.0125
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59937 MT WHITEFISH Condominium 9.125 0.5 0 0.0125
30115 GA CANTON PUD 9.875 0.5 0 0.0125
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46033 IN CARMEL Single Family 12.375 0.5 0 0.0125
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89123 NV LAS VEGAS PUD 11.375 0.5 0 0.0125
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95762 CA EL DORADO HILLS PUD 11.25 0.5 0 0.0125
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22026 VA DUMFRIES PUD 11.75 0.5 0 0.0125
3910 ME YORK Single Family 10.875 0.5 0 0.0125
80005 CO ARVADA Single Family 11.25 0.5 0 0.0125
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48346 MI CLARKSTON Single Family 13 0.5 0 0.0125
21209 MD BALTIMORE Condominium 12 0.5 0 0.0125
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89436 NV SPARKS PUD 13 0.5 0 0.0125
85326 AZ BUCKEYE PUD 10 0.5 0 0.0125
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63901 MO POPLAR BLUFF 2-4 Family 11.375 0.5 0 0.0125
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66106 KS KANSAS CITY 2-4 Family 11.25 0.5 0 0.0125
83338 ID XXXXXX PUD 12.5 0.5 0 0.0125
34236 FL SARASOTA Hi-Rise Condo 13.375 0.5 0 0.0125
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30080 GA SMYRNA Condominium 10.875 0.5 0 0.0125
85743 AZ TUCSON PUD 11 0.5 0 0.0125
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32707 FL CASSELBERRY Condominium 13.25 0.5 0 0.0125
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21085 MD JOPPA PUD 10.125 0.5 0 0.0125
96019 CA SHASTA LAKE Single Family 12.75 0.5 0 0.0125
20774 MD UPPER MARLBORO PUD 9.375 0.5 0 0.0125
85017 AZ PHOENIX Condominium 11.625 0.5 0 0.0125
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97123 OR HILLSBORO PUD 11.875 0.5 0 0.0125
28216 NC CHARLOTTE 2-4 Family 13.75 0.5 0 0.0125
22192 VA WOODBRIDGE PUD 10.875 0.5 0 0.0125
36117 XX XXXXXXXXXX Single Family 10.5 0.5 0 0.0125
98059 WA RENTON PUD 9 0.5 0 0.0125
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19963 DE MILFORD PUD 8.875 0.5 0 0.0125
2148 MA MALDEN 2-4 Family 11.5 0.5 0 0.0125
83706 ID BOISE Single Family 11.5 0.5 0 0.0125
83318 ID BURLEY 2-4 Family 11.375 0.5 0 0.0125
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21009 MD ABINGDON PUD 10.875 0.5 0 0.0125
83709 ID BOISE PUD 9.75 0.5 0 0.0125
22003 VA ANNANDALE Condominium 11 0.5 0 0.0125
63118 MO SAINT LOUIS 2-4 Family 14.125 0.5 0 0.0125
17078 PA PALMYRA PUD 13.25 0.5 0 0.0125
92336 CA FONTANA Single Family 11.875 0.5 0 0.0125
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20120 VA CENTREVILLE PUD 12 0.5 0 0.0125
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80233 CO XXXXXXXX PUD 9.375 0.5 0 0.0125
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21043 MD ELLICOTT CITY PUD 11.75 0.5 0 0.0125
46123 IN AVON PUD 12.5 0.5 0 0.0125
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98422 WA TACOMA Single Family 10.125 0.5 0 0.0125
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76002 TX ARLINGTON PUD 11.125 0.5 0 0.0125
21113 MD ODENTON Single Family 11.25 0.5 0 0.0125
92308 CA APPLE VALLEY Single Family 10.625 0.5 0 0.0125
89119 NV LAS VEGAS Single Family 10.5 0.5 0 0.0125
85379 AZ SURPRISE PUD 11.625 0.5 0 0.0125
22150 VA SPRINGFIELD PUD 11.75 0.5 0 0.0125
98208 WA XXXXXXX PUD 10.75 0.5 0 0.0125
27858 NC GREENVILLE PUD 11.125 0.5 0 0.0125
92345 CA HESPERIA Single Family 11 0.5 0 0.0125
92701 CA SANTA XXX Condominium 10.25 0.5 0 0.0125
85201 AZ MESA PUD 11.875 0.5 0 0.0125
96816 HI HONOLULU Single Family 9.625 0.5 0 0.0125
30066 GA MARIETTA PUD 12.5 0.5 0 0.0125
83709 ID BOISE PUD 10 0.5 0 0.0125
21207 MD XXXXX OAK Single Family 12.5 0.5 0 0.0125
8081 NJ SICKLERVILLE 2-4 Family 12.75 0.5 0 0.0125
50266 IA WEST DES MOINES Condominium 13.375 0.5 0 0.0125
76248 TX FORT WORTH PUD 9.75 0.5 0 0.0125
85024 AZ PHOENIX Single Family 12.375 0.5 0 0.0125
37221 TN NASHVILLE PUD 10.125 0.5 0 0.0125
92392 CA VICTORVILLE Single Family 9.875 0.5 0 0.0125
95630 CA FOLSOM Single Family 11.375 0.5 0 0.0125
83815 ID COUER D ALENE Single Family 10.25 0.5 0 0.0125
89121 NV LAS VEGAS Single Family 11.625 0.5 0 0.0125
8226 NJ OCEAN CITY 2-4 Family 10.75 0.5 0 0.0125
20151 VA CHANTILLY PUD 9.875 0.5 0 0.0125
83705 ID BOISE 2-4 Family 12.875 0.5 0 0.0125
83301 ID TWIN FALLS Single Family 10.125 0.5 0 0.0125
83301 ID TWIN FALLS Single Family 10.625 0.5 0 0.0125
84770 UT ST. XXXXXX Condominium 11.625 0.5 0 0.0125
97068 OR WEST LINN Condominium 8.25 0.5 0 0.0125
20745 MD OXON HILL Single Family 10.625 0.5 0 0.0125
92701 CA SANTA XXX Condominium 10.25 0.5 0 0.0125
85242 AZ QUEEN CREEK PUD 11.5 0.5 0 0.0125
92701 CA SANTA XXX Condominium 10.25 0.5 0 0.0125
49327 MI GRANT Single Family 12.75 0.5 0 0.0125
92867 CA ORANGE Single Family 12.375 0.5 0 0.0125
99403 WA CLARKSTON Single Family 10.125 0.5 0 0.0125
75050 TX GRAND PRAIRIE PUD 12.375 0.5 0 0.0125
17019 PA DILLSBURG Single Family 12.375 0.5 0 0.0125
7436 NJ BOROUGH OF OAKL Single Family 10.5 0.5 0 0.0125
80915 CO COLORADO SPRING PUD 11.625 0.5 0 0.0125
21502 MD CUMBERLAND Single Family 12.375 0.5 0 0.0125
66208 KS PRAIRIE VILLAGE PUD 10.25 0.5 0 0.0125
80915 CO COLORADO SPRINGS PUD 11.625 0.5 0 0.0125
37312 TN CLEVELAND Single Family 10.75 0.5 0 0.0125
89521 NV RENO PUD 13.125 0.5 0 0.0125
85225 AZ CHANDLER PUD 13 0.5 0 0.0125
99205 WA SPOKANE Single Family 11.75 0.5 0 0.0125
72834 AR DARDANELLE Single Family 10 0.5 0 0.0125
89403 NV DAYTON Single Family 12.75 0.5 0 0.0125
00000 XX XXXXXXXXX Single Family 13.625 0.5 0 0.0125
89148 NV LAS VEGAS PUD 10.625 0.5 0 0.0125
72921 AR XXXX Single Family 12.375 0.5 0 0.0125
30127 GA POWDER SPRINGS PUD 10.375 0.5 0 0.0125
36867 XX XXXXXX CITY Single Family 11.55 0.5 0 0.0125
30106 GA AUSTELL Single Family 11.925 0.5 0 0.0125
45459 OH DAYTON Single Family 11.05 0.5 0 0.0125
35071 AL GARDENDALE Single Family 9.8 0.5 0 0.0125
35114 AL MAYLENE PUD 10.925 0.5 0 0.0125
30016 GA XXXXXXXXX Single Family 13.3 0.5 0 0.0125
46239 IN INDIANAPOLIS PUD 11.8 0.5 0 0.0125
30110 GA BREMEN Single Family 11.425 0.5 0 0.0125
21114 MD CROFTON PUD 11.925 0.5 0 0.0125
30041 GA CUMMING Single Family 14.55 0.5 0 0.0125
35007 AL ALABASTER Single Family 13.675 0.5 0 0.0125
30224 GA XXXXXXX Single Family 11.925 0.5 0 0.0125
31804 GA CATAULA Single Family 14.3 0.5 0 0.0125
28269 NC CHARLOTTE PUD 13.3 0.5 0 0.0125
30188 GA WOODSTOCK PUD 10.05 0.5 0 0.0125
30144 GA KENNESAW Single Family 13.55 0.5 0 0.0125
21229 MD BALTIMORE Single Family 10.5 0.5 0 0.0125
30549 GA JEFFERSON Single Family 12.175 0.5 0 0.0125
30064 GA MARIETTA PUD 9.675 0.5 0 0.0125
30062 GA MARIETTA Single Family 10.175 0.5 0 0.0125
30528 GA CLEVELAND Single Family 10.5 0.5 0 0.0125
30066 GA MARIETTA Single Family 14.5 0.5 0 0.0125
30127 GA POWDER SPRINGS Single Family 11.425 0.5 0 0.0125
30213 GA FAIRBURN PUD 11.925 0.5 0 0.0125
0000 XX XXXX XXX XXXX Single Family 11.3 0.5 0 0.0125
30549 GA JEFFERSON Single Family 10.05 0.5 0 0.0125
30040 GA CUMMING Single Family 10.175 0.5 0 0.0125
32301 FL TALLAHASSEE PUD 11.675 0.5 0 0.0125
30022 GA ALPHARETTA Single Family 14.5 0.5 0 0.0125
30306 GA ATLANTA Single Family 11.3 0.5 0 0.0125
30135 GA DOUGLASVILLE PUD 13.05 0.5 0 0.0125
30607 GA ATHENS Single Family 9.675 0.5 0 0.0125
30088 GA STONE MOUNTAIN PUD 12.3 0.5 0 0.0125
30530 GA COMMERCE Single Family 10.3 0.5 0 0.0125
30045 GA LAWRENCEVILLE PUD 12.55 0.5 0 0.0125
31033 GA XXXXXXX Single Family 11.925 0.5 0 0.0125
23832 VA CHESTERFIELD PUD 11.925 0.5 0 0.0125
21046 MD COLUMBIA PUD 12 0.5 0 0.0125
30025 GA SOCIAL CIRCLE PUD 13.55 0.5 0 0.0125
28376 NC RAEFORD Single Family 12.925 0.5 0 0.0125
30024 GA SUWANEE PUD 10.925 0.5 0 0.0125
30813 GA GROVETOWN Single Family 9.425 0.5 0 0.0125
30310 GA ATLANTA Single Family 12.425 0.5 0 0.0125
8081 NJ SICKLERVILLE Single Family 12 0.5 0 0.0125
92583 CA SAN JACINTO PUD 12.425 0.5 0 0.0125
30052 GA LOGANVILLE PUD 10.925 0.5 0 0.0125
48223 MI DETROIT Single Family 12.8 0.5 0 0.0125
30314 GA ATLANTA Single Family 12.8 0.5 0 0.0125
44833 OH GALION Single Family 14.3 0.5 0 0.0125
30144 GA KENNESAW PUD 10.3 0.5 0 0.0125
80233 CO NORTHGLENN Single Family 12.05 0.5 0 0.0125
80134 CO XXXXXX PUD 14.55 0.5 0 0.0125
37218 TN NASHVILLE Single Family 8.875 0.5 0 0.0125
37066 TN GALLATIN Single Family 8.625 0.5 0 0.0125
37013 TN ANTIOCH Single Family 8.875 0.5 0 0.0125
37214 TN NASHVILLE Single Family 8.625 0.5 0 0.0125
37215 TN NASHVILLE Condominium 8.625 0.5 0 0.0125
75181 TX MESQUITE Single Family 9.875 0.5 0 0.0125
78045 TX LAREDO PUD 9.8 0.5 0 0.0125
78245 TX SAN ANTONIO PUD 11.925 0.5 0 0.0125
78749 TX AUSTIN PUD 9.875 0.5 0 0.0125
74037 OK JENKS PUD 10.05 0.5 0 0.0125
77396 TX HUMBLE PUD 9.875 0.5 0 0.0125
77396 TX HUMBLE PUD 9.875 0.5 0 0.0125
78043 TX LAREDO Single Family 9.875 0.5 0 0.0125
78254 TX SAN ANTONIO PUD 9.875 0.5 0 0.0125
77373 TX SPRING PUD 9.875 0.5 0 0.0125
77504 TX PASADENA PUD 9.875 0.5 0 0.0125
77077 TX HOUSTON PUD 9.875 0.5 0 0.0125
76248 TX KELLER PUD 9.875 0.5 0 0.0125
77388 TX SPRING PUD 9.875 0.5 0 0.0125
78045 TX LAREDO PUD 9.875 0.5 0 0.0125
31548 GA KINGSLAND Single Family 14.3 0.5 0 0.0125
33570 FL RUSKIN PUD 12.175 0.5 0 0.0125
32244 FL JACKSONVILLE Condominium 12.8 0.5 0 0.0125
32905 FL PALM BAY Condominium 11.925 0.5 0 0.0125
34609 FL SPRING HILL PUD 11.3 0.5 0 0.0125
32703 FL APOPKA Single Family 11.175 0.5 0 0.0125
34771 FL SAINT CLOUD Single Family 12.3 0.5 0 0.0125
33611 FL TAMPA Single Family 14.5 0.5 0 0.0125
32738 FL DELTONA Single Family 12.675 0.5 0 0.0125
32720 FL DELAND Single Family 14.5 0.5 0 0.0125
33060 FL POMPANO BEACH Single Family 14.3 0.5 0 0.0125
33054 FL OPA LOCKA Single Family 10.925 0.5 0 0.0125
48228 MI DETROIT Single Family 11.05 0.5 0 0.0125
33035 FL HOMESTEAD PUD 12.3 0.5 0 0.0125
33313 FL LAUDERHILL Single Family 12.55 0.5 0 0.0125
33461 FL LAKE WORTH PUD 12.55 0.5 0 0.0125
32738 FL DELTONA Single Family 10.3 0.5 0 0.0125
33604 FL TAMPA Single Family 12 0.5 0 0.0125
34983 FL PORT SAINT LUCIE Single Family 12.425 0.5 0 0.0125
44137 OH MAPLE HEIGHTS Single Family 14.3 0.5 0 0.0125
32824 FL ORLANDO PUD 13.3 0.5 0 0.0125
33993 FL CAPE CORAL Single Family 12.925 0.5 0 0.0125
23320 VA CHESAPEAKE Single Family 10.55 0.5 0 0.0125
6320 CT NEW LONDON 2-4 Family 13.5 0.5 0 0.0125
7091 NJ SUMMIT Single Family 11.925 0.5 0 0.0125
7055 NJ PASSAIC 2-4 Family 13.675 0.5 0 0.0125
1510 MA CLINTON Condominium 13.625 0.5 0 0.0125
20904 MD SILVER SPRING Single Family 11.8 0.5 0 0.0125
23831 VA XXXXXXX Single Family 11.675 0.5 0 0.0125
21223 MD BALTIMORE Single Family 13.3 0.5 0 0.0125
2664 MA SOUTH YARMOUTH Single Family 12.55 0.5 0 0.0125
22310 VA ALEXANDRIA Single Family 10.3 0.5 0 0.0125
23141 VA XXXXXXX Single Family 10.55 0.5 0 0.0125
29379 SC UNION Single Family 10.5 0.5 0 0.0125
28032 NC CRAMERTON Single Family 13.3 0.5 0 0.0125
29640 SC XXXXXX Single Family 13.3 0.5 0 0.0125
29690 SC TRAVELERS REST Single Family 13.3 0.5 0 0.0125
29209 SC COLUMBIA Single Family 12.8 0.5 0 0.0125
29611 SC GREENVILLE Single Family 13.3 0.5 0 0.0125
38109 TN MEMPHIS Single Family 8.625 0.5 0 0.0125
38053 TN MILLINGTON Single Family 8.625 0.5 0 0.0125
38060 TN OAKLAND Single Family 8.625 0.5 0 0.0125
35504 XX XXXXXX Single Family 12.175 0.5 0 0.0125
38134 TN MEMPHIS Single Family 8.625 0.5 0 0.0125
55418 MN ST XXXXXXX Single Family 9.625 0.5 0 0.0125
40517 KY LEXINGTON Single Family 12.8 0.5 0 0.0125
30043 GA LAWRENCEVILLE Single Family 13.675 0.5 0 0.0125
55411 MN MINNEAPOLIS Single Family 10 0.5 0 0.0125
44039 OH NORTH RIDGEVILLE Single Family 9.675 0.5 0 0.0125
48225 MI XXXXXX XXXXX Single Family 12.05 0.5 0 0.0125
44060 OH MENTOR Single Family 10.675 0.5 0 0.0125
77566 TX LAKE XXXXXXX Single Family 9.75 0.5 0 0.0125
49246 MI XXXXXX Single Family 9.425 0.5 0 0.0125
60411 IL CHICAGO HEIGHTS Single Family 11.675 0.5 0 0.0125
44120 OH CLEVELAND 2-4 Family 10.75 0.5 0 0.0125
55449 MN XXXXXX Single Family 10 0.5 0 0.0125
43130 OH LANCASTER Single Family 10.925 0.5 0 0.0125
44135 OH CLEVELAND Single Family 10.75 0.5 0 0.0125
46239 IN INDIANAPOLIS PUD 11.675 0.5 0 0.0125
53218 WI MILWAUKEE Single Family 13.3 0.5 0 0.0125
43230 OH GAHANNA Single Family 13.3 0.5 0 0.0125
48189 MI XXXXXXXX LAKE Single Family 11.675 0.5 0 0.0125
55303 MN RAMSEY Single Family 10 0.5 0 0.0125
30117 GA CARROLLTON Single Family 11.8 0.5 0 0.0125
76131 TX FORT WORTH Single Family 9.875 0.5 0 0.0125
77396 TX HUMBLE PUD 9.875 0.5 0 0.0125
76248 TX XXXXXX PUD 9.875 0.5 0 0.0125
35741 AL BROWNSBORO Single Family 11.05 0.5 0 0.0125
75234 TX FARMERS BRANCH Single Family 9.875 0.5 0 0.0125
85027 AZ PHOENIX Single Family 13.3 0.5 0 0.0125
92065 CA XXXXXX Single Family 10.8 0.5 0 0.0125
96019 CA SHASTA LAKE Single Family 12.55 0.5 0 0.0125
92503 CA RIVERSIDE Single Family 11.425 0.5 0 0.0125
94114 CA SAN FRANCISCO Condominium 12.7 0.5 0 0.0125
31329 GA SPRINGFIELD Single Family 12.675 0.5 0 0.0125
29418 SC NORTH CHARLESTON Single Family 10.5 0.5 0 0.0125
29621 SC XXXXXXXX Single Family 10.5 0.5 0 0.0125
31406 GA SAVANNAH Condominium 12.05 0.5 0 0.0125
29456 SC LADSON Single Family 12 0.5 0 0.0125
28412 NC WILMINGTON PUD 11.55 0.5 0 0.0125
30087 GA STONE MOUNTAIN Single Family 10.925 0.5 0 0.0125
30044 GA LAWRENCEVILLE Single Family 10.925 0.5 0 0.0125
31904 GA COLUMBUS Single Family 13.3 0.5 0 0.0125
21078 MD HAVRE DE GRACE Single Family 10.5 0.5 0 0.0125
30238 GA JONESBORO PUD 11.625 0.5 0 0.0125
85641 AZ VAIL Single Family 13.125 0.5 0 0.0125
85757 AZ TUCSON Single Family 11.55 0.5 0 0.0125
78254 TX SAN ANTONIO Single Family 11.425 0.5 0 0.0125
22172 VA TRIANGLE Single Family 12.25 0.5 0 0.0125
76227 TX SAVANNAH Single Family 11.675 0.5 0 0.0125
22030 VA FAIRFAX PUD 12.125 0.5 0 0.0125
30071 GA NORCROSS PUD 14.05 0.5 0 0.0125
77379 TX SPRING PUD 14.3 0.5 0 0.0125
92127 CA SAN DIEGO Condominium 12.675 0.5 0 0.0125
23830 VA XXXXXX Single Family 11.8 0.5 0 0.0125
31326 GA RINCON Single Family 12.5 0.5 0 0.0125
28110 NC MONROE PUD 12.925 0.5 0 0.0125
37075 TN HENDERSONVILLE Single Family 8.875 0.5 0 0.0125
77373 TX SPRING PUD 12.5 0.5 0 0.0125
77075 TX HOUSTON Single Family 9.875 0.5 0 0.0125
34293 FL VENICE Single Family 11.25 0.5 0 0.0125
30206 GA CONCORD Single Family 11 0.5 0 0.0125
30296 GA RIVERDALE PUD 12.25 0.5 0 0.0125
30290 GA XXXXXX PUD 10.5 0.5 0 0.0125
30168 GA AUSTELL PUD 10.75 0.5 0 0.0125
93210 CA COALINGA Single Family 9.5 0.5 0 0.0125
33993 FL CAPE CORAL Single Family 10.125 0.5 0 0.0125
85301 AZ GLENDALE PUD 9.75 0.5 0 0.0125
43230 OH COLUMBUS Condominium 9.25 0.5 0 0.0125
30032 GA DECATUR Single Family 15 0.5 0 0.0125
53121 WI ELKHORN Single Family 10.875 0.5 0 0.0125
75048 TX SACHSE PUD 15 0.5 0 0.0125
75098 TX XXXXX XXX 00 0.5 0 0.0125
22309 VA ALEXANDRIA Condominium 12.125 0.5 0 0.0125
80204 CO DENVER 2-4 Family 15 0.5 0 0.0125
95386 CA WATERFORD Single Family 11.375 0.5 0 0.0125
83647 ID MOUNTAIN HOME Single Family 10.125 0.5 0 0.0125
98052 WA XXXXXXX PUD 9.375 0.5 0 0.0125
80030 CO WESTMINSTER 2-4 Family 15 0.5 0 0.0125
74604 OK PONCA CITY Single Family 8.625 0.5 0 0.0125
30214 GA FAYETTEVILLE PUD 11.3 0.5 0 0.0125
31904 GA COLUMBUS Single Family 14.3 0.5 0 0.0125
30273 GA REX Single Family 11.3 0.5 0 0.0125
44087 OH TWINSBURG Single Family 9.875 0.5 0 0.0125
30014 GA COVINGTON Single Family 11.55 0.5 0 0.0125
32303 FL TALLAHASSEE PUD 12.05 0.5 0 0.0125
35096 XX XXXXXXX Single Family 10.925 0.5 0 0.0125
30093 GA NORCROSS Single Family 11.3 0.5 0 0.0125
30076 GA ROSWELL PUD 10 0.5 0 0.0125
30308 GA ATLANTA Condominium 10.425 0.5 0 0.0125
36083 AL TUSKEGEE Single Family 12.3 0.5 0 0.0125
43618 OH OREGON Single Family 9.3 0.5 0 0.0125
35235 AL BIRMINGHAM Single Family 11.425 0.5 0 0.0125
30528 GA CLEVELAND Single Family 11.05 0.5 0 0.0125
31206 GA MACON Single Family 12.425 0.5 0 0.0125
36080 XX XXXXX Single Family 10.925 0.5 0 0.0125
30076 GA ROSWELL PUD 12.675 0.5 0 0.0125
30016 GA XXXXXXXXX Single Family 12.05 0.5 0 0.0125
30022 GA ALPHARETTA Single Family 11.05 0.5 0 0.0125
48174 MI ROMULUS Single Family 12.55 0.5 0 0.0125
78572 TX MISSION Single Family 9.875 0.5 0 0.0125
31705 GA ALBANY Single Family 13.55 0.5 0 0.0125
30349 GA ATLANTA PUD 13.55 0.5 0 0.0125
36530 AL ELBERTA Single Family 14.3 0.5 0 0.0125
21801 MD SALISBURY Single Family 12.8 0.5 0 0.0125
30606 GA ATHENS Single Family 11.3 0.5 0 0.0125
30519 GA XXXXXX PUD 11.175 0.5 0 0.0125
30187 GA WINSTON Single Family 13.3 0.5 0 0.0125
30087 GA STONE MOUNTAIN PUD 10.925 0.5 0 0.0125
30277 GA SHARPSBURG Single Family 11.675 0.5 0 0.0125
31305 GA DARIEN Single Family 11.175 0.5 0 0.0125
30016 GA COVINGTON PUD 11.55 0.5 0 0.0125
37086 TN LA VERGNE Single Family 8.875 0.5 0 0.0125
30666 GA STATHAM PUD 11.675 0.5 0 0.0125
30317 GA ATLANTA Single Family 14.3 0.5 0 0.0125
30534 GA DAWSONVILLE Single Family 11.3 0.5 0 0.0125
30228 GA HAMPTON PUD 13.3 0.5 0 0.0125
30606 GA ATHENS Single Family 11.925 0.5 0 0.0125
30228 GA HAMPTON Single Family 12.925 0.5 0 0.0125
30043 GA LAWRENCEVILLE Single Family 13.3 0.5 0 0.0125
99517 AK ANCHORAGE Single Family 10.5 0.5 0 0.0125
29209 SC COLUMBIA PUD 12.8 0.5 0 0.0125
33626 FL TAMPA PUD 12.675 0.5 0 0.0125
43062 OH PATASKALA PUD 11.05 0.5 0 0.0125
60013 IL CARY Single Family 10.675 0.5 0 0.0125
77041 TX HOUSTON PUD 9.875 0.5 0 0.0125
43123 OH GROVE CITY PUD 12.175 0.5 0 0.0125
2368 MA RANDOLPH Single Family 13.675 0.5 0 0.0125
48439 MI GRAND BLANC Single Family 11.425 0.5 0 0.0125
78216 TX SAN ANTONIO Single Family 11.8 0.5 0 0.0125
38109 TN MEMPHIS PUD 8.875 0.5 0 0.0125
97504 OR MEDFORD Single Family 12.425 0.5 0 0.0125
30052 GA LOGANVILLE Single Family 13.05 0.5 0 0.0125
30094 GA CONYERS PUD 12.8 0.5 0 0.0125
30349 GA COLLEGE PARK Single Family 12.175 0.5 0 0.0125
89148 NV LAS VEGAS PUD 12.175 0.5 0 0.0125
55109 MN MAPLEWOOD PUD 10.125 0.5 0 0.0125
80016 CO AURORA PUD 11.925 0.5 0 0.0125
84120 UT SALT LAKE CITY Single Family 12.425 0.5 0 0.0125
33004 FL DANIA BEACH Condominium 13.05 0.5 0 0.0125
37013 TN ANTIOCH Single Family 8.875 0.5 0 0.0125
37722 TN COSBY Single Family 8.875 0.5 0 0.0125
37616 TN AFTON Single Family 8.875 0.5 0 0.0125
37180 TN UNIONVILLE Single Family 8.875 0.5 0 0.0125
37876 TN SEVIERVILLE PUD 8.875 0.5 0 0.0125
37013 TN ANTIOCH Single Family 8.625 0.5 0 0.0125
37921 TN KNOXVILLE Single Family 8.625 0.5 0 0.0125
70767 LA PORT XXXXX Single Family 14.3 0.5 0 0.0125
77469 TX RICHMOND PUD 9.875 0.5 0 0.0125
78045 TX LAREDO PUD 9.875 0.5 0 0.0125
78046 TX LAREDO Single Family 9.875 0.5 0 0.0125
79936 TX EL PASO Single Family 9.875 0.5 0 0.0125
77090 TX HOUSTON PUD 9.875 0.5 0 0.0125
77573 TX LEAGUE CITY PUD 9.875 0.5 0 0.0125
77048 TX HOUSTON Single Family 9.875 0.5 0 0.0125
78247 TX SAN ANTONIO PUD 9.875 0.5 0 0.0125
74021 OK COLLINSVILLE Single Family 13.3 0.5 0 0.0125
77014 TX HOUSTON PUD 9.875 0.5 0 0.0125
78245 TX SAN ANTONIO PUD 9.875 0.5 0 0.0125
77084 TX HOUSTON PUD 9.875 0.5 0 0.0125
75249 TX DALLAS Single Family 9.875 0.5 0 0.0125
32092 FL SAINT AUGUSTINE PUD 10.925 0.5 0 0.0125
32771 FL SANFORD PUD 12.425 0.5 0 0.0125
34613 FL BROOKSVILLE Single Family 11.675 0.5 0 0.0125
32712 FL APOPKA PUD 11.55 0.5 0 0.0125
34601 FL BROOKSVILLE Single Family 13.3 0.5 0 0.0125
34741 FL KISSIMMEE Single Family 12.425 0.5 0 0.0125
34736 FL GROVELAND PUD 12.8 0.5 0 0.0125
32218 FL JACKSONVILLE Single Family 12.175 0.5 0 0.0125
32257 FL JACKSONVILLE Single Family 11.175 0.5 0 0.0125
32818 FL ORLANDO Single Family 14.3 0.5 0 0.0125
32257 FL JACKSONVILLE PUD 12.55 0.5 0 0.0125
36695 AL MOBILE PUD 11.675 0.5 0 0.0125
34695 FL SAFETY HARBOR Condominium 12.8 0.5 0 0.0125
30311 GA ATLANTA Single Family 12.05 0.5 0 0.0125
34771 FL SAINT CLOUD PUD 11.05 0.5 0 0.0125
3842 NH HAMPTON Single Family 11.3 0.5 0 0.0125
33028 FL PEMBROKE PINES PUD 10.925 0.5 0 0.0125
33139 FL MIAMI BEACH Condominium 12.925 0.5 0 0.0125
33436 FL BOYNTON BEACH Single Family 11.175 0.5 0 0.0125
33486 FL BOCA RATON Condominium 11.925 0.5 0 0.0125
34420 FL BELLEVIEW Single Family 12.425 0.5 0 0.0125
33417 FL WEST PALM BEACH Condominium 12.55 0.5 0 0.0125
33610 FL TAMPA Single Family 11.55 0.5 0 0.0125
34758 FL KISSIMMEE Single Family 10.925 0.5 0 0.0125
33055 FL MIAMI Single Family 10.925 0.5 0 0.0125
33908 FL FORT XXXXX Single Family 12.8 0.5 0 0.0125
32073 FL ORANGE PARK Single Family 10.925 0.5 0 0.0125
39525 MS DIAMONDHEAD PUD 11.55 0.5 0 0.0125
34116 FL NAPLES Single Family 14.3 0.5 0 0.0125
46226 IN INDIANAPOLIS Single Family 13.3 0.5 0 0.0125
33069 FL POMPANO BEACH Condominium 11.425 0.5 0 0.0125
33971 FL LEHIGH ACRES Single Family 11.3 0.5 0 0.0125
6111 CT NEWINGTON Condominium 11.175 0.5 0 0.0125
20646 MD LA PLATA PUD 12.05 0.5 0 0.0125
3060 NH NASHUA Single Family 13.3 0.5 0 0.0125
1605 MA WORCESTER Single Family 12.675 0.5 0 0.0125
2809 RI BRISTOL Single Family 9.425 0.5 0 0.0125
20716 MD BOWIE Single Family 13.05 0.5 0 0.0125
55443 MN BROOKLYN PARK Single Family 10.125 0.5 0 0.0125
1970 MA SALEM Single Family 12.05 0.5 0 0.0125
2919 RI XXXXXXXX Single Family 10.925 0.5 0 0.0125
29926 SC HILTON HEAD ISLAND PUD 10.5 0.5 0 0.0125
27610 NC RALEIGH PUD 12.8 0.5 0 0.0125
27909 NC XXXXXXXXX CITY Single Family 13.3 0.5 0 0.0125
27520 NC XXXXXXX Single Family 11.55 0.5 0 0.0125
28713 NC XXXXXX CITY Single Family 14.3 0.5 0 0.0125
28120 NC MOUNT XXXXX PUD 12.175 0.5 0 0.0125
28806 NC ASHEVILLE Single Family 12.3 0.5 0 0.0125
29526 SC XXXXXX Single Family 10.5 0.5 0 0.0125
28262 NC CHARLOTTE Single Family 13.05 0.5 0 0.0125
27455 NC GREENSBORO PUD 11.925 0.5 0 0.0125
38119 TN MEMPHIS Single Family 8.875 0.5 0 0.0125
45229 OH CINCINNATI Single Family 10.3 0.5 0 0.0125
59106 MT XXXXXXXX Single Family 10.8 0.5 0 0.0125
43026 OH HILLIARD Single Family 12.8 0.5 0 0.0125
48221 MI DETROIT Single Family 11.05 0.5 0 0.0125
44060 OH MENTOR Single Family 11.3 0.5 0 0.0125
43123 OH GROVE CITY Single Family 9.55 0.5 0 0.0125
41017 XX XXXXXXXXX Single Family 12.425 0.5 0 0.0125
23454 VA VIRGINIA BEACH Single Family 10.925 0.5 0 0.0125
63048 MO HERCULANEUM PUD 11.175 0.5 0 0.0125
7060 NJ PLAINSFIELD Single Family 10.925 0.5 0 0.0125
45420 OH DAYTON 2-4 Family 11.175 0.5 0 0.0125
40218 KY LOUSIVILLE Single Family 11.925 0.5 0 0.0125
55025 MN FOREST LAKE Single Family 10.125 0.5 0 0.0125
62226 IL BELLEVILLE Single Family 12.55 0.5 0 0.0125
46060 IN NOBLESVILLE PUD 11.425 0.5 0 0.0125
48329 MI WATERFORD Condominium 11.99 0.5 0 0.0125
63385 MO WENTZVILLE Single Family 13.675 0.5 0 0.0125
55376 MN SAINT XXXXXXX Single Family 10 0.5 0 0.0125
44119 OH CLEVELAND Single Family 10.75 0.5 0 0.0125
43064 OH PLAIN CITY Single Family 11.425 0.5 0 0.0125
64155 MO KANSAS CITY PUD 12.675 0.5 0 0.0125
55128 MN OAKDALE Single Family 9.875 0.5 0 0.0125
47201 IN COLUMBUS Single Family 12.175 0.5 0 0.0125
63034 MO FLORISSANT Single Family 14.3 0.5 0 0.0125
30228 GA HAMPTON PUD 11.675 0.5 0 0.0125
75070 TX XXXXXXXX PUD 9.875 0.5 0 0.0125
75032 TX HEATH PUD 9.875 0.5 0 0.0125
76063 TX MANSFIELD PUD 9.875 0.5 0 0.0125
30317 GA ATLANTA Single Family 13.3 0.5 0 0.0125
75181 TX MESQUITE PUD 9.875 0.5 0 0.0125
75068 TX LITTLE ELM PUD 9.875 0.5 0 0.0125
37148 TN PORTLAND Single Family 8.875 0.5 0 0.0125
30044 GA LAWRENCEVILLE Single Family 11 0.5 0 0.0125
98168 WA SEATTLE Single Family 12.55 0.5 0 0.0125
85268 AZ FOUNTAIN HILLS Single Family 12.55 0.5 0 0.0125
85220 AZ APACHE JUNCTION PUD 13.3 0.5 0 0.0125
90814 CA LONG BEACH Single Family 11.175 0.5 0 0.0125
95336 CA MANTECA Single Family 10.55 0.5 0 0.0125
31326 GA RINCON Single Family 13.05 0.5 0 0.0125
29456 SC XXXXXX PUD 10.5 0.5 0 0.0125
29579 SC MYRTLE BEACH PUD 10.5 0.5 0 0.0125
31419 GA SAVANNAH Single Family 11.8 0.5 0 0.0125
28461 NC SOUTHPORT Single Family 13.675 0.5 0 0.0125
29456 SC XXXXXX PUD 10.5 0.5 0 0.0125
29582 SC NORTH MYRTLE BEACH Single Family 10.5 0.5 0 0.0125
29418 SC NORTH CHARLESTON Condominium 14.3 0.5 0 0.0125
29906 SC BEAUFORT Single Family 13.3 0.5 0 0.0125
30134 GA DOUGLASVILLE Single Family 14.55 0.5 0 0.0125
33309 FL OAKLAND PARK Condominium 13.55 0.5 0 0.0125
92545 CA HEMET Single Family 12.5 0.5 0 0.0125
77373 TX SPRING Single Family 9.875 0.5 0 0.0125
30349 GA ATLANTA PUD 12 0.5 0 0.0125
27526 NC FUQUAY VARINA PUD 12.8 0.5 0 0.0125
75070 TX MC XXXXXX Single Family 9.55 0.5 0 0.0125
30058 GA LITHONIA Single Family 12.425 0.5 0 0.0125
54130 WI KAUKAUNA Single Family 11.55 0.5 0 0.0125
27320 NC REIDSVILLE Single Family 13.3 0.5 0 0.0125
29369 SC XXXXX PUD 12 0.5 0 0.0125
28205 NC CHARLOTTE Single Family 11.175 0.5 0 0.0125
29708 SC FORT MILL PUD 12 0.5 0 0.0125
27215 NC BURLINGTON Single Family 11.425 0.5 0 0.0125
36272 AL PIEDMONT Single Family 13.675 0.5 0 0.0125
85203 AZ MESA Single Family 13.25 0.5 0 0.0125
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75142 TX XXXXXXX Single Family 12.125 0.5 0 0.0125
47374 IN RICHMOND 2-4 Family 15 0.5 0 0.0125
83687 ID NAMPA Single Family 11.25 0.5 0 0.0125
33313 FL SUNRISE PUD 12.5 0.5 0 0.0125
95388 CA XXXXXX Single Family 8.5 0.5 0 0.0125
85043 AZ PHOENIX PUD 11 0.5 0 0.0125
84414 UT NORTH XXXXX Single Family 11.875 0.5 0 0.0125
60504 IL AURORA PUD 12.25 0.5 0 0.0125
93304 CA BAKERSFIELD Single Family 15 0.5 0 0.0125
83634 ID KUNA Single Family 9.625 0.5 0 0.0125
34747 FL KISSIMMEE PUD 14 0.5 0 0.0125
83434 ID MENAN Single Family 12.5 0.5 0 0.0125
72764 AR SPRINGDALE Single Family 8.875 0.5 0 0.0125
91335 CA RESEDA Single Family 8.625 0.5 0 0.0125
93933 CA MARINA Single Family 9.875 0.5 0 0.0125
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30083 GA STONE MOUNTAIN Single Family 16.125 0.5 0 0.0125
84010 UT BOUNTIFUL 2-4 Family 12.375 0.5 0 0.0125
30114 GA CANTON PUD 15.5 0.5 0 0.0125
97601 OR KLAMATH FALLS Single Family 9.75 0.5 0 0.0125
84108 UT SALT LAKE CITY Single Family 16 0.5 0 0.0125
48326 MI AUBURN HILLS Condominium 10.25 0.5 0 0.0125
55407 MN MINNEAPOLIS 2-4 Family 10.125 0.5 0 0.0125
97217 OR PORTLAND Single Family 8.5 0.5 0 0.0125
99515 AK ANCHORAGE Single Family 9.875 0.5 0 0.0125
44314 OH AKRON 2-4 Family 14 0.5 0 0.0125
63136 MO SAINT LOUIS Single Family 15 0.5 0 0.0125
29464 SC MOUNT PLEASANT Single Family 11.375 0.5 0 0.0125
30038 GA LITHONIA Single Family 12.875 0.5 0 0.0125
33019 FL HOLLYWOOD Hi-Rise Condo 16.125 0.5 0 0.0125
92657 CA NEWPORT BEACH PUD 7.75 0.5 0 0.0125
20841 MD BOYDS Single Family 9.75 0.5 0 0.0125
20878 MD GAITHERSBURG PUD 14.75 0.5 0 0.0125
75225 TX DALLAS Single Family 11.25 0.5 0 0.0125
98584 WA XXXXXXX Single Family 8.5 0.5 0 0.0125
78681 TX ROUND ROCK Single Family 10 0.5 0 0.0125
94105 CA SAN FRANCISCO Hi-Rise Condo 8.75 0.5 0 0.0125
83706 ID BOISE Single Family 10 0.5 0 0.0125
84087 UT XXXXX CROSS 2-4 Family 8.625 0.5 0 0.0125
78602 TX BASTROP Single Family 9.125 0.5 0 0.0125
28262 NC CHARLOTTE Condominium 15 0.5 0 0.0125
91915 CA CHULA VISTA PUD 7.5 0.5 0 0.0125
30038 GA LITHONIA Single Family 16.125 0.5 0 0.0125
95662 CA ORANGEVALE Single Family 9 0.5 0 0.0125
99202 WA SPOKANE Single Family 12.375 0.5 0 0.0125
33143 FL MIAMI Hi-Rise Condo 15 0.5 0 0.0125
93930 CA KING CITY PUD 8.875 0.5 0 0.0125
84401 UT OGDEN Single Family 11.375 0.5 0 0.0125
60628 IL CHICAGO Single Family 11.375 0.5 0 0.0125
84403 UT OGDEN Single Family 11.5 0.5 0 0.0125
83615 ID DONNELLY Single Family 11 0.5 0 0.0125
93535 CA LANCASTER Single Family 9 0.5 0 0.0125
34236 FL SARASOTA Hi-Rise Condo 13.75 0.5 0 0.0125
28203 NC CHARLOTTE Condominium 9.625 0.5 0 0.0125
56377 MN SARTELL Single Family 8.625 0.5 0 0.0125
43062 OH PATASKALA Single Family 11.875 0.5 0 0.0125
33928 FL ESTERO Single Family 9.625 0.5 0 0.0125
89147 NV LAS VEGAS PUD 9.625 0.5 0 0.0125
97478 OR SPRINGFIELD Single Family 10.625 0.5 0 0.0125
83703 ID BOISE Single Family 12.375 0.5 0 0.0125
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91702 CA AZUSA Single Family 10.5 0.5 0 0.0125
97426 OR CRESWELL Single Family 9.5 0.5 0 0.0125
91601 CA LOS ANGELES Single Family 9.375 0.5 0 0.0125
11550 NY HEMPSTEAD Single Family 9.625 0.5 0 0.0125
91950 CA NATIONAL CITY Single Family 8.625 0.5 0 0.0125
99577 AK EAGLE RIVER Single Family 15 0.5 0 0.0125
80026 CO LAFAYETTE Single Family 9.375 0.5 0 0.0125
98059 WA RENTON PUD 9.125 0.5 0 0.0125
75035 TX FRISCO PUD 12.25 0.5 0 0.0125
78745 TX AUSTIN Single Family 8.875 0.5 0 0.0125
83638 ID MCCALL Single Family 12.125 0.5 0 0.0125
90815 CA LONG BEACH Single Family 10.125 0.5 0 0.0125
75227 TX DALLAS PUD 10 0.5 0 0.0125
85208 AZ MESA PUD 15 0.5 0 0.0125
73008 OK XXXXXXX Condominium 15 0.5 0 0.0125
34203 FL BRADENTON 2-4 Family 11.75 0.5 0 0.0125
75227 TX DALLAS Single Family 12 0.5 0 0.0125
46767 IN LIGONIER Single Family 8.875 0.5 0 0.0125
78723 TX AUSTIN Single Family 8.75 0.5 0 0.0125
85301 AZ GLENDALE Single Family 15 0.5 0 0.0125
8204 NJ CAPE MAY Single Family 10 0.5 0 0.0125
92101 CA SAN DIEGO Condominium 14 0.5 0 0.0125
80910 CO COLORADO SPRINGS Single Family 9.25 0.5 0 0.0125
33069 FL POMPANO BEACH Condominium 9.875 0.5 0 0.0125
4024 ME EAST XXXXXXX Single Family 13.75 0.5 0 0.0125
80013 CO AURORA Single Family 11.5 0.5 0 0.0125
79707 TX MIDLAND Single Family 9.875 0.5 0 0.0125
60586 IL PLAINFIELD PUD 15 0.5 0 0.0125
83686 ID NAMPA PUD 13.5 0.5 0 0.0125
76014 TX ARLINGTON Single Family 10 0.5 0 0.0125
76209 TX DENTON Single Family 13.375 0.5 0 0.0125
55021 MN FARIBAULT Single Family 10.125 0.5 0 0.0125
33467 FL LAKE WORTH PUD 12.875 0.5 0 0.0125
85027 AZ PHOENIX Single Family 7.625 0.5 0 0.0125
80229 CO XXXXXXXX PUD 11 0.5 0 0.0125
95765 CA ROCKLIN Single Family 16.25 0.5 0 0.0125
64052 MO INDEPENDENCE 2-4 Family 15 0.5 0 0.0125
55411 MN MINNEAPOLIS Single Family 10.125 0.5 0 0.0125
85331 AZ CAVE CREEK Single Family 11.5 0.5 0 0.0125
85260 AZ SCOTTSDALE Condominium 8.125 0.5 0 0.0125
89012 NV HENDERSON PUD 9.75 0.5 0 0.0125
45385 OH XENIA Single Family 8.625 0.5 0 0.0125
76104 TX FORT WORTH Single Family 10 0.5 0 0.0125
83709 ID BOISE Townhouse 9.75 0.5 0 0.0125
77058 TX NASSAU BAY PUD 9.375 0.5 0 0.0125
2816 RI COVENTRY 2-4 Family 9.75 0.5 0 0.0125
85222 AZ CASA GRANDE Single Family 12 0.5 0 0.0125
32757 FL MOUNT XXXX Single Family 11.5 0.5 0 0.0125
83651 ID NAMPA Single Family 7.625 0.5 0 0.0125
76058 TX XXXXXX Single Family 9 0.5 0 0.0125
92056 CA OCEANSIDE Single Family 10.125 0.5 0 0.0125
78704 TX AUSTIN Single Family 14.75 0.5 0 0.0125
80016 CO AURORA PUD 15 0.5 0 0.0125
93306 CA BAKERSFIELD Single Family 15 0.5 0 0.0125
33914 FL CAPE CORAL Single Family 14.25 0.5 0 0.0125
55414 MN MINNEAPOLIS 2-4 Family 10.125 0.5 0 0.0125
30363 GA ATLANTA Hi-Rise Condo 11.375 0.5 0 0.0125
34746 FL KISSIMMEE PUD 15 0.5 0 0.0125
84403 UT XXXXX Condominium 10.875 0.5 0 0.0125
80016 CO AURORA PUD 15 0.5 0 0.0125
34233 FL SARASOTA Condominium 12.5 0.5 0 0.0125
41015 XX XXXXXXXXX 2-4 Family 13.375 0.5 0 0.0125
39437 MS ELLISVILLE Single Family 11.5 0.5 0 0.0125
55412 MN COLUMBIA HEIGHTS 2-4 Family 10.125 0.5 0 0.0125
85353 AZ XXXXXXXX PUD 12.5 0.5 0 0.0125
95843 CA ANTELOPE Single Family 9 0.5 0 0.0125
77545 TX FRESNO PUD 13.375 0.5 0 0.0125
2370 MA ROCKLAND 2-4 Family 15 0.5 0 0.0125
27529 NC GARNER PUD 14.25 0.5 0 0.0125
80207 CO DENVER 2-4 Family 9.25 0.5 0 0.0125
80204 CO DENVER Single Family 14 0.5 0 0.0125
33710 FL SAINT PETERSBURG Single Family 12 0.5 0 0.0125
68404 NE XXXXXXX Single Family 7.25 0.5 0 0.0125
75028 TX FLOWER MOUND Single Family 10 0.5 0 0.0125
80916 CO COLORADO SPRINGS Single Family 10.125 0.5 0 0.0125
20705 MD BELTSVILLE Single Family 10.5 0.5 0 0.0125
59715 MT BOZEMAN Single Family 13 0.5 0 0.0125
83709 ID BOISE PUD 12 0.5 0 0.0125
83642 ID MERIDIAN PUD 11.25 0.5 0 0.0125
80919 CO COLORADO SPRINGS PUD 15 0.5 0 0.0125
97214 OR PORTLAND Single Family 9.875 0.5 0 0.0125
60653 IL CHICAGO 2-4 Family 12.375 0.5 0 0.0125
60107 IL STREAMWOOD Single Family 12.125 0.5 0 0.0125
20902 MD SILVER SPRING Single Family 10.125 0.5 0 0.0125
75062 TX IRVING Single Family 9.875 0.5 0 0.0125
75035 TX FRISCO PUD 13.625 0.5 0 0.0125
64060 MO XXXXXXX Single Family 15 0.5 0 0.0125
60188 IL XXXXX STREAM Single Family 9.25 0.5 0 0.0125
55424 MN MINNEAPOLIS Single Family 9.75 0.5 0 0.0125
75035 TX FRISCO Townhouse 14.375 0.5 0 0.0125
75035 TX FRISCO Townhouse 14.375 0.5 0 0.0125
85326 AZ BUCKEYE PUD 13.125 0.5 0 0.0125
60633 IL DOLTON Single Family 12.375 0.5 0 0.0125
83713 ID BOISE PUD 7.5 0.5 0 0.0125
52001 IA DUBUQUE Single Family 11.75 0.5 0 0.0125
30106 GA AUSTELL Single Family 15 0.5 0 0.0125
98292 WA STANWOOD Single Family 10.5 0.5 0 0.0125
83687 ID NAMPA PUD 13.5 0.5 0 0.0125
55448 MN XXXX RAPIDS Single Family 9.75 0.5 0 0.0125
98266 WA MAPLE FALLS PUD 8.875 0.5 0 0.0125
92071 CA SANTEE Single Family 8.5 0.5 0 0.0125
33317 FL PLANTATION PUD 9.625 0.5 0 0.0125
60174 IL ST XXXXXXX Single Family 15 0.5 0 0.0125
73118 OK OKLAHOMA CITY Single Family 10 0.5 0 0.0125
55744 MN GRAND RAPIDS 2-4 Family 9.75 0.5 0 0.0125
20020 DC WASHINGTON Townhouse 16.125 0.5 0 0.0125
2130 MA JAMAICA PLAIN 2-4 Family 12.25 0.5 0 0.0125
83687 ID NAMPA PUD 12.625 0.5 0 0.0125
92071 CA SANTEE Condominium 10.25 0.5 0 0.0125
85365 AZ YUMA Single Family 11.375 0.5 0 0.0125
33060 FL POMPANO BEACH 2-4 Family 15 0.5 0 0.0125
83651 ID NAMPA PUD 14.625 0.5 0 0.0125
80020 CO BROOMFIELD Single Family 12.25 0.5 0 0.0125
22601 VA WINCHESTER Single Family 10 0.5 0 0.0125
33060 FL POMPANO BEACH 2-4 Family 15 0.5 0 0.0125
83651 ID NAMPA PUD 14.625 0.5 0 0.0125
28748 NC LEICESTER Single Family 9.375 0.5 0 0.0125
95307 CA CERES Single Family 10.75 0.5 0 0.0125
64128 MO KANSAS CITY Single Family 15 0.5 0 0.0125
00000 XX XXXXXXXX XXXXX Single Family 12.625 0.5 0 0.0125
77008 TX HOUSTON Single Family 15 0.5 0 0.0125
77008 TX HOUSTON 2-4 Family 15 0.5 0 0.0125
77008 TX HOUSTON Single Family 15 0.5 0 0.0125
20176 VA LEESBURG PUD 8.5 0.5 0 0.0125
95632 CA GALT Single Family 10.875 0.5 0 0.0125
4210 ME AUBURN 2-4 Family 12.25 0.5 0 0.0125
85231 AZ ELOY Single Family 12 0.5 0 0.0125
21236 MD NOTTINGHAM PUD 7.375 0.5 0 0.0125
60636 IL CHICAGO Single Family 12.5 0.5 0 0.0125
6519 CT NEW HAVEN 2-4 Family 12 0.5 0 0.0125
76126 TX BENBROOK Single Family 10 0.5 0 0.0125
58703 ND MINOT Townhouse 15 0.5 0 0.0125
58703 ND MINOT Townhouse 15 0.5 0 0.0125
58703 ND MINOT Townhouse 15 0.5 0 0.0125
63042 MO HAZELWOOD Single Family 12.5 0.5 0 0.0125
95002 CA SAN XXXX Single Family 7.5 0.5 0 0.0125
56055 MN LAKE CRYSTAL Single Family 10 0.5 0 0.0125
33604 FL TAMPA Single Family 11.875 0.5 0 0.0125
83634 ID KUNA PUD 13.75 0.5 0 0.0125
98296 WA SNOHOMISH PUD 11.75 0.5 0 0.0125
86335 AZ RIMROCK Single Family 16.125 0.5 0 0.0125
92028 CA FALLBROOK Single Family 8.75 0.5 0 0.0125
33004 FL DANIA PUD 9.75 0.5 0 0.0125
20748 MD TEMPLE HILLS Single Family 8.5 0.5 0 0.0125
34744 FL KISSIMMEE PUD 14 0.5 0 0.0125
77450 TX KATY PUD 10 0.5 0 0.0125
83669 ID STAR PUD 10.5 0.5 0 0.0125
60629 IL CHICAGO 2-4 Family 12.125 0.5 0 0.0125
48529 MI XXXXXX 2-4 Family 15 0.5 0 0.0125
95301 CA ATWATER Single Family 8.5 0.5 0 0.0125
76123 TX FORT WORTH Single Family 11.375 0.5 0 0.0125
92301 CA ADELANTO Single Family 13.25 0.5 0 0.0125
85249 AZ CHANDLER PUD 10.25 0.5 0 0.0125
33993 FL CAPE CORAL Single Family 8.625 0.5 0 0.0125
27606 NC RALEIGH Single Family 10.625 0.5 0 0.0125
94804 CA RICHMOND 2-4 Family 12.5 0.5 0 0.0125
75216 TX DALLAS Single Family 9.875 0.5 0 0.0125
99205 WA SPOKANE Single Family 15 0.5 0 0.0125
98168 WA SEATTLE Single Family 10.5 0.5 0 0.0125
97015 OR HAPPY VALLEY PUD 8.75 0.5 0 0.0125
85310 AZ GLENDALE PUD 8.125 0.5 0 0.0125
85224 AZ XXXXXXXX PUD 9.5 0.5 0 0.0125
75013 TX ALLEN PUD 9.75 0.5 0 0.0125
60411 IL CHICAGO HEIGHTS Single Family 10.125 0.5 0 0.0125
80003 CO ARVADA Single Family 9.625 0.5 0 0.0125
90019 CA LOS ANGELES Single Family 9.625 0.5 0 0.0125
89123 NV LAS VEGAS PUD 10.75 0.5 0 0.0125
80211 CO DENVER Single Family 8.25 0.5 0 0.0125
30044 GA LAWRENCEVILLE Single Family 15 0.5 0 0.0125
48066 MI ROSEVILLE Single Family 15 0.5 0 0.0125
49259 MI MUNITH Single Family 10.875 0.5 0 0.0125
46231 IN INDIANAPOLIS Single Family 10.5 0.5 0 0.0125
55421 MN ST. XXXXXXX Condominium 9 0.5 0 0.0125
33410 FL PALM BEACH GARDENS Townhouse 14 0.5 0 0.0125
89117 NV LAS VEGAS PUD 8.625 0.5 0 0.0125
27592 NC WILLOW SPRINGS PUD 8.25 0.5 0 0.0125
85331 AZ CAVE CREEK PUD 15 0.5 0 0.0125
59047 MT XXXXXXXXXX Single Family 8.5 0.5 0 0.0125
98229 WA BELLINGHAM Single Family 8.5 0.5 0 0.0125
89101 NV LAS VEGAS Single Family 15 0.5 0 0.0125
34608 FL SPRING HILL PUD 13.625 0.5 0 0.0125
33175 FL MIAMI Single Family 8.5 0.5 0 0.0125
32736 FL EUSTIS PUD 13.75 0.5 0 0.0125
33909 FL CAPE CORAL Single Family 10 0.5 0 0.0125
80219 CO DENVER Single Family 9.125 0.5 0 0.0125
60477 IL TINLEY PARK Condominium 12.125 0.5 0 0.0125
84119 UT WEST VALLEY CITY Single Family 11.75 0.5 0 0.0125
80228 CO LAKEWOOD Single Family 8.875 0.5 0 0.0125
20747 VA DISTRICT HEIGHTS Single Family 12 0.5 0 0.0125
92592 CA TEMECULA PUD 8.875 0.5 0 0.0125
34232 FL SARASOTA PUD 9.125 0.5 0 0.0125
78732 TX AUSTIN Single Family 14 0.5 0 0.0125
37076 TN HERMITAGE PUD 16.125 0.5 0 0.0125
83642 ID MERIDIAN PUD 7.625 0.5 0 0.0125
92563 CA MURRIETA Single Family 9.625 0.5 0 0.0125
89117 NV LAS VEGAS PUD 10.375 0.5 0 0.0125
46158 IN MOORESVILLE Single Family 12.5 0.5 0 0.0125
20164 VA STERLING PUD 9.5 0.5 0 0.0125
33414 FL WELLINGTON Single Family 16.125 0.5 0 0.0125
98115 WA SEATTLE Single Family 8.125 0.5 0 0.0125
85087 AZ NEW RIVER Single Family 15 0.5 0 0.0125
89139 NV LAS VEGAS PUD 11.625 0.5 0 0.0125
90706 CA BELLFLOWER Condominium 7.625 0.5 0 0.0125
44314 OH AKRON 2-4 Family 14 0.5 0 0.0125
89141 NV LAS VEGAS PUD 8.875 0.5 0 0.0125
33603 FL TAMPA Single Family 10.75 0.5 0 0.0125
45344 OH NEW CARLISLE Single Family 10 0.5 0 0.0125
33317 FL PLANTATION Single Family 12.25 0.5 0 0.0125
55124 MN APPLE VALLEY Single Family 8.875 0.5 0 0.0125
33604 FL TAMPA 2-4 Family 15 0.5 0 0.0125
75149 TX MESQUITE Single Family 12.75 0.5 0 0.0125
60447 IL MINOOKA PUD 10 0.5 0 0.0125
30296 GA RIVERDALE Single Family 16.125 0.5 0 0.0125
33612 FL TAMPA Single Family 12.25 0.5 0 0.0125
84116 UT SALT LAKE CITY Townhouse 10.625 0.5 0 0.0125
84720 UT CEDAR CITY PUD 9.625 0.5 0 0.0125
83704 ID BOISE Single Family 16.125 0.5 0 0.0125
60123 IL ELGIN Condominium 15 0.5 0 0.0125
96130 CA SUSANVILLE Single Family 10.625 0.5 0 0.0125
95388 CA XXXXXX Single Family 10 0.5 0 0.0125
28202 NC CHARLOTTE Single Family 15 0.5 0 0.0125
48225 MI XXXXXX XXXXX Single Family 9.125 0.5 0 0.0125
22026 VA DUNFRIES PUD 9.625 0.5 0 0.0125
94585 CA SUISUN CITY Single Family 11.375 0.5 0 0.0125
75216 TX DALLAS Single Family 15 0.5 0 0.0125
75215 TX DALLAS Single Family 15 0.5 0 0.0125
29170 SC WEST COLUMBIA 2-4 Family 12.5 0.5 0 0.0125
75210 TX DALLAS Single Family 15 0.5 0 0.0125
19805 DE WILMINGTON Townhouse 13.5 0.5 0 0.0125
60419 IL DOLTON Single Family 8.5 0.5 0 0.0125
75215 TX DALLAS Single Family 15 0.5 0 0.0125
56307 MN ALBANY Single Family 10.125 0.5 0 0.0125
44685 OH UNIONTOWN Single Family 14.125 0.5 0 0.0125
85224 AZ CHANDLER PUD 7.5 0.5 0 0.0125
83706 ID BOISE Single Family 10.5 0.5 0 0.0125
80917 CO COLORADO SPRINGS PUD 8.25 0.5 0 0.0125
84015 UT CLEARFIELD Single Family 14.625 0.5 0 0.0125
91331 CA ARLETA AREA Single Family 8.875 0.5 0 0.0125
30458 GA STATESBORO 2-4 Family 15 0.5 0 0.0125
76034 TX COLLEYVILLE Single Family 8.125 0.5 0 0.0125
85228 AZ COOLIDGE PUD 11 0.5 0 0.0125
21133 MD RANDALLSTOWN Single Family 8.625 0.5 0 0.0125
11221 NY BROOKLYN 2-4 Family 10.875 0.5 0 0.0125
89109 NV LAS VEGAS Condominium 9 0.5 0 0.0125
33326 FL WESTON PUD 13.375 0.5 0 0.0125
56672 MN REMER Single Family 8.375 0.5 0 0.0125
33351 FL SUNRISE Condominium 13.375 0.5 0 0.0125
80401 CO LAKEWOOD Single Family 7.125 0.5 0 0.0125
95437 CA FORT XXXXX Single Family 8.125 0.5 0 0.0125
89178 NV LAS VEGAS PUD 9 0.5 0 0.0125
89104 NV LAS VEGAS Single Family 10.5 0.5 0 0.0125
28754 NC MARS HILL Single Family 13.25 0.5 0 0.0125
80601 CO BRIGHTON PUD 8.5 0.5 0 0.0125
76119 TX FORT WORTH Single Family 12.625 0.5 0 0.0125
40228 KY LOUISVILLE Condominium 9.875 0.5 0 0.0125
94560 CA NEWARK Condominium 9 0.5 0 0.0125
44050 OH LAGRANGE Single Family 10.625 0.5 0 0.0125
83616 ID EAGLE Single Family 12.875 0.5 0 0.0125
95132 CA SAN XXXX Single Family 8.25 0.5 0 0.0125
33015 FL MIAMI Condominium 16.125 0.5 0 0.0125
83350 ID RUPERT Single Family 10 0.5 0 0.0125
76522 TX COPPERAS COVE 2-4 Family 15.5 0.5 0 0.0125
55443 MN BROOKLYN PARK PUD 8.25 0.5 0 0.0125
92677 CA LAGUNA NIGUEL Single Family 9.5 0.5 0 0.0125
92610 CA LAKE FOREST Condominium 9 0.5 0 0.0125
33710 FL ST PETERSBURG Single Family 11.75 0.5 0 0.0125
34952 FL PORT SAINT LUCIE Single Family 9.375 0.5 0 0.0125
75051 TX GRAND PRAIRIE 2-4 Family 15 0.5 0 0.0125
75051 TX GRAND PRAIRIE 2-4 Family 15 0.5 0 0.0125
34242 FL SARASOTA Single Family 8 0.5 0 0.0125
27281 NC VILLAGE OF FOXFIRE Single Family 9.625 0.5 0 0.0125
75051 TX GRAND PRAIRIE 2-4 Family 15 0.5 0 0.0125
33880 FL WINTER HAVEN Single Family 9.375 0.5 0 0.0125
33032 FL MIAMI PUD 14.375 0.5 0 0.0125
20155 VA GAINESVILLE PUD 14.5 0.5 0 0.0125
33024 FL PEMBROKE PINES Condominium 15 0.5 0 0.0125
55358 MN MAPLE LAKE Single Family 7.625 0.5 0 0.0125
30102 GA ACWORTH Single Family 9 0.5 0 0.0125
91351 CA SANTA CLARITA Single Family 9.375 0.5 0 0.0125
78212 TX SAN ANTONIO Single Family 10 0.5 0 0.0125
84032 UT HEBER CITY Single Family 9.375 0.5 0 0.0125
64068 MO LIBERTY PUD 12.625 0.5 0 0.0125
33032 FL MIAMI PUD 14.625 0.5 0 0.0125
7465 NJ WANAQUE Hi-Rise Condo 9.25 0.5 0 0.0125
33064 FL POMPANO BEACH 2-4 Family 11.625 0.5 0 0.0125
98031 WA KENT PUD 10.375 0.5 0 0.0125
55124 MN APPLE VALLEY Single Family 9.875 0.5 0 0.0125
55103 MN SAINT XXXX 2-4 Family 9.75 0.5 0 0.0125
55104 MN SAINT XXXX 2-4 Family 9.75 0.5 0 0.0125
75060 TX IRVING 2-4 Family 10 0.5 0 0.0125
75056 TX THE COLONY Single Family 15 0.5 0 0.0125
97128 OR MCMINNVILLE Townhouse 11.125 0.5 0 0.0125
77459 TX MISSOURI CITY PUD 10 0.5 0 0.0125
60628 IL CHICAGO Single Family 8.5 0.5 0 0.0125
33166 FL DORAL Hi-Rise Condo 10.875 0.5 0 0.0125
91701 CA RANCHO CUCAMONGA Single Family 7.625 0.5 0 0.0125
33033 FL HOMESTEAD PUD 13.5 0.5 0 0.0125
80247 CO DENVER Condominium 16.25 0.5 0 0.0125
33407 FL WEST PALM BEACH Condominium 10 0.5 0 0.0125
36561 AL ORANGE BEACH Condominium 12.5 0.5 0 0.0125
76119 TX FORT WORTH Single Family 9.75 0.5 0 0.0125
11576 NY XXXXXX Single Family 11.5 0.5 0 0.0125
34119 FL NAPLES PUD 12.25 0.5 0 0.0125
74128 OK TULSA Single Family 15 0.5 0 0.0125
74126 OK TULSA Single Family 15 0.5 0 0.0125
33130 FL MIAMI Condominium 9 0.5 0 0.0125
74127 OK TULSA Single Family 15 0.5 0 0.0125
64034 MO GREENWOOD Single Family 15 0.5 0 0.0125
89031 NV NORTH LAS VEGAS PUD 13 0.5 0 0.0125
33441 FL DEERFIELD BEACH Condominium 15 0.5 0 0.0125
33441 FL DEERFIELD BEACH Condominium 15 0.5 0 0.0125
75180 TX XXXXX SPRINGS Single Family 15 0.5 0 0.0125
11961 NY RIDGE Single Family 10.5 0.5 0 0.0125
ZIP_CODE MSERV CURRENT_NET_COUPON MATURITY_DATE STATED_ORIGINAL_TERM STATED_REM_TERM AMORT_TERM1
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
75402 11.4125 20360101 360 357 360
28602 11.7875 20360101 360 357 360
78254 9.3625 20360101 360 357 360
78245 9.3625 20351101 180 174 360
29048 9.9875 20360101 360 357 360
27540 12.3625 20360101 360 357 360
30252 11.4875 20360101 360 357 360
21043 12.2375 20360101 360 357 360
91030 11.3625 20210101 180 177 180
93702 10.8625 20351201 180 176 360
92345 10.3625 20351201 180 176 360
95437 10.8625 20351101 180 176 360
92123 11.3625 20351201 180 176 360
93534 9.8625 20360101 180 177 360
93308 9.6125 20210101 180 177 180
77053 11.5375 20360101 360 357 360
37218 8.1125 20351201 360 356 360
70663 11.9875 20351201 360 356 360
78054 9.3625 20210101 180 177 180
27610 11.6625 20360101 360 357 360
47150 13.1125 20351201 360 356 360
20769 11.0375 20360101 360 357 360
3851 11.4875 20360101 360 357 360
33029 11.7875 20360101 360 357 360
1118 11.6125 20351001 360 354 360
93618 10.7375 20360301 180 178 360
89084 12.9875 20360201 180 178 360
89012 7.9875 20360201 180 178 360
89052 8.9875 20360201 180 178 360
30157 10.6125 20351201 360 356 360
31548 13.0375 20360201 360 358 360
29485 13.5375 20360201 360 358 360
29576 9.9875 20360201 360 358 360
23462 13.7875 20360201 360 358 360
30097 9.5375 20360201 360 358 360
21713 12.1625 20360101 360 357 360
28560 11.2875 20360201 360 358 360
44512 13.5375 20360201 360 358 360
46239 12.2875 20360201 360 358 360
63090 13.1625 20360201 360 358 360
77469 9.3625 20351101 360 355 360
79932 11.1625 20360201 360 358 360
62839 13.7875 20360201 360 358 360
75097 10.4125 20360201 360 358 360
94547 9.8625 20351101 360 355 360
89128 11.2375 20360201 360 358 360
92345 10.2875 20360201 360 358 360
93230 10.4125 20360201 360 358 360
98312 10.0375 20360201 360 358 360
21783 9.1625 20360201 360 358 360
96002 12.2375 20360201 360 358 360
20735 11.5375 20360201 360 358 360
60502 9.9125 20360101 360 357 360
48126 13.1625 20360201 360 358 360
48331 13.6625 20360101 360 357 360
45242 9.0375 20360201 360 358 360
17201 11.1625 20360201 360 358 360
61008 12.2375 20360201 360 358 360
43110 9.5375 20360201 360 358 360
55044 9.6125 20360201 360 358 360
44236 11.6625 20360201 360 358 360
62286 12.5375 20260201 240 238 240
55408 9.6125 20360201 360 358 360
46236 10.5375 20360201 360 358 360
55445 9.6125 20360201 360 358 360
48126 10.4125 20360201 360 358 360
20018 13.5375 20360201 360 358 360
20706 10.2875 20360201 360 358 360
6516 12.9125 20360201 360 358 360
19904 11.4125 20360201 360 358 360
29365 9.3625 20360101 360 357 360
28227 12.0375 20210201 180 178 180
28086 11.4125 20360201 360 358 360
27360 10.6625 20360201 360 358 360
38141 8.3625 20360201 360 358 360
38118 8.3625 20360201 360 358 360
38654 12.0375 20360201 360 358 360
38053 8.3625 20310201 300 298 300
15239 10.0375 20360101 360 357 360
34997 11.6625 20360201 360 358 360
34113 11.2875 20360201 360 358 360
7011 11.7875 20360201 360 358 360
3842 13.1625 20360101 360 357 360
11422 11.2875 20360201 360 358 360
1104 12.0375 20360201 360 358 360
1851 13.1625 20360201 360 358 360
21061 10.9125 20360201 360 358 360
6095 11.9125 20360201 360 358 360
96821 10.4775 20360101 360 357 360
96786 10.4775 20360101 360 357 360
95125 10.9875 20360101 360 357 360
96701 11.4775 20360101 360 357 360
96821 10.4775 20360101 360 357 360
96706 9.4775 20360101 360 357 360
96746 10.7375 20360101 360 357 360
96768 9.7375 20360101 360 357 360
6354 9.4375 20360101 180 177 360
74012 8.8375 20360101 180 177 360
33174 8.1375 20351201 180 176 360
30005 8.4875 20360101 180 177 360
32246 8.4875 20251201 240 236 240
77338 9.4775 20251201 240 236 240
33035 9.0375 20360101 180 177 360
33617 9.4775 20351201 180 176 360
96816 11.2375 20360101 360 357 360
96797 9.9875 20360101 360 357 360
96822 11.4775 20360101 360 357 360
96826 11.4775 20360101 360 357 360
96744 7.9875 20360101 360 357 360
96740 11.4775 20360101 360 357 360
2840 8.9875 20351101 180 175 360
30058 12.2875 20360201 360 358 360
6114 11.7375 20351201 180 176 360
30331 10.9125 20360201 360 358 360
1105 12.9875 20351001 180 175 360
30238 12.4125 20310201 300 298 300
6382 11.8625 20351101 360 355 360
28078 11.6625 20360201 360 358 360
6360 9.1125 20351101 180 175 360
30084 12.7875 20260201 240 238 240
30342 12.1625 20360201 360 358 360
1510 11.7375 20351101 180 175 360
89110 13.1625 20360101 360 357 360
92027 10.2875 20360201 360 358 360
1037 11.7375 20351201 180 176 360
1108 11.7375 20351101 360 355 360
80601 10.0375 20360201 360 358 360
6106 10.2375 20351101 180 175 360
58078 11.0375 20360201 360 358 360
4240 11.8625 20341201 180 175 360
4001 10.2375 20351101 180 175 360
84780 10.9125 20360201 360 358 360
2896 11.3625 20351101 360 355 360
80918 9.4125 20360201 360 358 360
1850 11.7375 20351201 180 176 360
37912 8.1125 20210201 180 178 180
2840 10.9875 20351101 180 175 360
37138 8.3625 20360201 360 358 360
6112 9.2375 20351101 180 175 360
23453 12.5375 20360101 360 357 360
1453 11.8625 20351201 180 176 360
2909 11.7375 20351001 180 175 360
6511 12.9875 20351101 180 175 360
74110 11.9125 20360201 360 358 360
1950 10.7375 20351101 180 175 360
77584 11.1625 20360201 360 358 360
6106 11.8625 20351101 180 175 360
32209 12.7875 20360201 360 358 360
6114 11.8625 20351201 180 176 360
32738 11.6625 20360101 360 357 360
6360 12.9875 20351201 180 176 360
32725 10.9125 20360201 360 358 360
6066 10.3625 20351201 360 356 360
30041 10.4125 20360201 360 358 360
1841 9.1125 20351101 180 175 360
32219 11.1625 20360201 360 358 360
4005 12.6125 20351201 360 356 360
33617 14.1625 20360201 360 358 360
1845 11.3625 20351201 360 356 360
99603 9.9875 20360201 360 358 360
33032 10.5375 20360201 360 358 360
1108 11.8625 20351101 180 176 360
1108 11.8625 20350901 180 176 360
33914 11.1625 20360201 360 358 360
33764 11.2875 20360201 360 358 360
1930 8.8625 20351201 180 176 360
33143 11.0375 20360201 360 358 360
34759 14.1625 20360201 360 358 360
6450 11.8625 20351201 180 176 360
32218 11.5375 20360201 360 358 360
33544 10.7875 20360201 360 358 360
1240 11.9875 20360101 180 177 360
33024 10.2875 20360201 360 358 360
5476 9.2375 20360101 180 177 360
48180 12.0375 20310201 300 298 300
33056 11.2875 20360201 360 358 360
46237 12.0375 20360201 360 358 360
2148 11.8625 20360101 360 357 360
34746 9.1125 20360201 360 358 360
3246 8.1125 20351101 180 175 360
3246 11.8625 20351101 180 175 360
3570 11.7375 20351201 180 176 360
3103 7.8625 20351201 360 356 360
3820 9.1125 20360101 180 177 360
3908 7.6125 20351101 360 355 360
3801 7.6125 20351201 360 356 360
2130 7.9875 20351201 360 356 360
2915 8.1125 20351201 180 176 360
8098 10.9875 20351101 360 355 360
8096 7.9875 20360101 360 357 360
7103 8.8625 20351101 180 175 360
8514 7.4875 20360101 180 177 360
34711 11.3625 20351201 180 176 360
8816 9.9875 20351201 180 177 360
98108 9.4775 20351201 180 176 360
77573 9.4775 20351201 180 176 360
30043 9.6375 20360101 180 177 360
74136 9.4775 20360101 180 177 360
34609 9.4425 20360101 180 177 360
77088 9.4775 20360101 180 177 360
77080 9.4775 20351201 180 176 360
11429 10.1175 20351201 180 177 360
97080 8.8375 20360101 180 177 360
94530 11.2875 20351201 180 176 360
98034 10.7875 20360101 180 177 360
92307 9.5375 20360101 180 177 360
30135 10.3875 20260101 240 237 240
37072 8.1475 20360101 180 177 360
30016 9.5375 20360101 180 177 360
48506 10.5375 20350101 180 176 360
30238 9.7875 20260101 240 237 240
33140 11.2875 20351201 180 176 360
19706 9.5375 20360101 180 177 360
63376 11.2875 20360101 180 177 360
30013 11.2875 20360101 180 177 360
33312 9.9875 20351201 180 176 360
85208 8.6375 20260101 240 237 240
33761 10.3875 20260101 240 237 240
33405 10.1375 20360101 180 177 360
76179 9.4775 20360101 180 177 360
15644 10.2375 20360101 360 357 360
34758 9.9875 20351201 180 176 360
97062 10.0375 20360101 180 177 360
30274 9.4775 20340801 180 176 360
95831 11.4875 20351201 180 176 360
33177 9.7375 20360101 180 177 360
33990 10.7875 20360101 180 177 360
92545 10.9875 20351201 180 176 360
75241 9.4775 20251201 240 236 240
76248 9.4775 20360101 180 177 360
33461 11.4875 20351201 180 176 360
84037 11.1375 20360101 180 177 360
92545 9.4775 20360101 180 176 360
90630 8.9875 20351201 180 176 360
30248 11.2875 20351201 180 177 360
33060 10.0375 20360101 180 177 360
98204 9.9875 20351201 180 176 360
20744 10.4375 20251201 240 236 240
34668 8.9875 20360101 180 177 360
22192 11.1375 20360101 180 177 360
91406 10.4775 20360101 360 357 360
92054 11.4775 20360101 360 357 360
94568 11.4775 20360101 360 357 360
94509 11.4775 20360101 360 357 360
94565 11.3625 20360101 360 357 360
93015 11.4775 20360101 360 357 360
94952 11.4775 20360101 360 357 360
84738 8.1375 20351201 180 176 360
33015 8.8375 20351201 180 176 360
23324 9.6175 20360101 180 177 360
15954 8.9875 20351201 360 356 360
37914 7.7175 20251201 240 236 240
84604 8.3375 20351001 180 176 360
7106 9.4375 20360101 360 357 360
93706 10.8375 20360101 180 177 360
92553 8.1375 20360101 180 177 360
97031 10.5875 20351001 180 176 360
20783 11.2375 20251201 240 236 240
45239 10.6375 20360101 180 177 360
33024 8.4875 20350701 180 176 360
2852 11.4875 20360101 180 177 360
32967 9.4775 20350801 180 176 360
30047 9.5375 20360101 180 177 360
33325 8.7375 20351201 180 176 360
38125 8.1475 20260101 240 237 240
91740 9.4375 20360101 180 177 360
94080 10.6125 20360101 360 357 360
94534 11.4775 20360101 360 357 360
94605 11.4775 20360101 360 357 360
89081 11.4775 20360101 360 357 360
94538 10.8625 20360101 360 357 360
92592 10.3625 20360101 360 357 360
38006 9.4775 20210101 180 177 180
94806 11.4775 20360101 360 357 360
77478 11.0375 20360101 360 357 360
92505 8.1375 20351201 180 176 360
92127 11.7875 20360101 360 357 360
30296 12.7875 20360201 360 358 360
2149 8.2375 20351201 360 356 360
30038 10.1625 20360201 360 358 360
29671 10.9125 20360201 360 358 360
2536 7.7375 20351101 360 355 360
30008 13.1625 20360101 360 357 360
30331 11.0375 20210201 180 178 180
2360 9.1125 20360101 180 177 360
30093 9.7875 20360201 360 358 360
30035 10.4125 20360201 360 358 360
30135 13.0375 20360201 360 358 360
2301 10.3625 20351201 180 176 360
6120 12.9875 20351101 180 175 360
30274 10.9125 20360201 360 358 360
1830 7.8625 20160401 180 176 360
1832 9.1125 20351201 180 176 360
1832 9.9875 20351201 180 176 360
33904 8.9875 20360101 180 177 360
3301 11.6125 20351101 180 175 360
2155 8.2375 20351101 180 175 360
31807 11.2875 20360101 360 357 360
30096 12.7875 20360201 360 358 360
2119 8.2375 20360101 180 177 360
30014 10.9125 20360201 360 358 360
1420 10.2375 20351201 180 176 360
35125 12.2875 20360201 360 358 360
30062 10.6625 20360201 360 358 360
34741 11.3625 20360201 360 358 360
1506 8.2375 20360101 180 177 360
2125 7.9875 20360101 180 177 360
1119 9.4875 20360101 180 177 360
30213 11.4125 20360101 360 357 360
2112 8.9875 20360101 180 177 360
30013 12.7875 20360201 360 358 360
1803 11.7375 20351201 180 176 360
1832 8.6125 20351101 180 175 360
2026 9.9875 20351201 180 176 360
1824 9.4875 20350901 180 175 360
1923 8.4875 20351201 180 176 360
1851 8.8625 20360101 180 177 360
1351 9.9875 20351201 360 356 360
75137 9.4775 20351201 180 176 360
92084 10.6625 20360101 360 357 360
98662 8.8375 20351201 180 176 360
92688 8.7875 20360101 360 357 360
11207 10.5375 20351201 180 176 360
85747 10.2875 20360101 360 357 360
7863 8.4875 20351201 360 356 360
29414 9.9875 20360101 360 357 360
31404 10.2875 20210101 180 177 180
55411 9.4775 20251201 240 236 240
94066 11.4775 20360101 360 357 360
85935 9.9875 20360101 360 357 360
95822 11.4775 20360101 360 357 360
89134 11.4775 20360101 360 357 360
95132 11.4775 20360101 360 357 360
95842 11.4775 20360101 360 357 360
95388 10.8625 20360101 360 357 360
29576 9.9875 20360101 360 357 360
29577 11.4875 20360101 360 357 360
31419 12.9125 20360101 360 357 360
31406 10.5375 20360101 360 357 360
29466 9.9875 20360101 360 357 360
31312 12.0375 20360101 360 357 360
31324 9.9875 20360101 360 357 360
30067 11.5375 20360101 360 357 360
30058 9.0375 20360101 360 357 360
13219 11.5375 20360101 360 357 360
77396 9.3625 20350801 180 172 360
75154 9.3625 20351201 180 176 360
78045 11.0375 20210101 180 177 180
92203 11.1125 20351201 360 356 360
87144 11.7375 20360101 360 357 360
92234 11.4875 20351201 360 356 360
30507 12.2875 20360101 360 357 360
30122 9.4775 20351201 180 176 360
35022 9.2875 20360101 360 357 360
33145 8.4125 20360101 180 177 360
30039 9.5375 20360101 360 357 360
20110 11.4875 20351201 180 176 360
30228 12.0375 20360101 360 357 360
80918 8.8375 20351201 180 176 360
30248 12.2875 20360101 360 357 360
28105 8.4775 20350501 180 176 360
92028 4.4875 20200801 180 172 180
11553 11.2375 20351201 180 176 360
92879 10.9125 20210101 180 177 180
20724 9.4775 20351201 360 356 360
94030 8.9875 20351201 360 356 360
94521 10.2375 20360101 360 357 360
92882 11.4775 20360101 360 357 360
94044 10.4775 20210101 180 177 180
94803 11.4775 20360101 360 357 360
96003 11.4775 20360101 360 357 360
95831 11.4775 20360101 360 357 360
93015 11.2875 20360101 360 357 360
65255 8.4775 20360101 180 176 360
85375 10.2875 20360101 360 357 360
40511 8.2375 20251201 240 236 240
92870 11.2875 20360101 360 357 360
90003 10.1625 20360101 360 357 360
75442 9.3375 20201201 180 176 180
11691 8.9875 20351001 180 176 360
90501 7.9875 20351201 180 176 360
7055 9.4775 20251201 240 236 240
97301 10.4775 20251201 240 236 240
22192 10.2375 20251201 240 236 240
89143 11.4775 20360101 360 357 360
94131 11.2375 20360101 360 357 360
37205 11.3625 20351201 360 356 360
95762 10.1125 20360101 360 357 360
89124 9.8625 20360101 360 357 360
94531 10.6125 20351201 360 356 360
89135 11.4775 20360101 360 357 360
94579 11.1125 20360101 360 357 360
30281 13.1625 20360101 360 357 360
76248 9.4775 20351201 180 176 360
36092 10.2875 20360101 360 357 360
90713 9.4775 20351201 180 176 360
30344 11.7875 20360101 360 357 360
93727 8.2375 20351201 180 176 360
64154 11.2375 20360101 360 357 360
64154 11.2375 20360101 360 357 360
95377 10.2375 20351201 180 176 360
85251 11.7375 20351201 360 356 360
87004 10.2375 20351201 360 356 360
96734 9.9875 20360101 360 357 360
93272 9.4775 20251201 240 236 240
1420 9.4775 20360101 180 177 360
31216 10.1375 20360101 180 177 360
93560 8.2375 20351201 180 176 360
33147 9.2375 20201201 180 176 180
35208 11.2375 20351201 360 356 360
75052 9.4775 20351001 180 176 360
75034 10.7375 20360101 360 357 360
92346 9.4775 20351201 180 176 360
33837 8.3745 20351201 180 176 360
14534 10.2375 20210101 180 177 180
94580 10.9875 20351201 360 356 360
94568 11.4775 20360101 360 357 360
80503 8.9875 20360101 360 357 360
32328 9.2375 20360101 360 357 360
94545 11.4775 20360101 360 357 360
29485 11.4775 20360101 360 357 360
32779 10.8625 20360101 360 357 360
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89110 8.4875 20351201 360 356 360
74055 11.7375 20360101 360 357 360
27603 8.1375 20360101 180 177 360
30269 13.1125 20360101 360 357 360
75115 9.4775 20351201 180 176 360
75063 9.3625 20360101 360 357 360
30228 11.1625 20360101 360 357 360
75212 9.3625 20360101 360 357 360
33024 9.4775 20351201 180 176 360
35173 11.5375 20360101 360 357 360
85035 9.4775 20351201 180 176 360
78660 11.0375 20360101 360 357 360
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77581 11.6625 20360101 360 357 360
34119 9.4775 20351201 180 176 360
30265 10.9125 20360101 360 357 360
85283 11.3625 20350901 180 175 360
94611 10.7375 20351201 360 356 360
85016 11.9875 20351001 180 175 360
90301 10.4775 20351201 360 356 360
30543 10.4875 20351201 180 176 360
7104 9.7875 20360101 360 357 360
64133 7.9875 20351201 360 356 360
64015 7.3875 20351201 180 176 360
92503 8.2375 20351201 180 176 360
33435 8.4875 20351201 180 176 360
30087 8.4875 20351201 180 176 360
80925 9.4775 20260101 240 237 240
78239 9.4875 20360201 180 178 360
78239 9.4875 20360301 180 178 360
90038 11.9875 20360201 180 177 360
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33406 15.4875 20360201 360 358 360
60623 11.8625 20360201 180 178 360
70445 8.9875 20360201 180 178 360
92126 9.8625 20360201 180 178 360
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55303 8.3625 20360201 360 358 360
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55124 9.4875 20360201 180 178 360
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92118 8.3625 20360201 180 178 360
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33021 8.9875 20360201 180 178 360
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76033 14.4875 20360201 360 358 360
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44131 8.3625 20360201 360 358 360
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17602 15.4875 20360301 180 178 360
29680 14.4875 20360201 360 358 360
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85306 9.7375 20360201 180 178 360
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55407 9.6125 20360301 180 178 360
97217 7.9875 20360301 180 178 360
99515 9.3625 20360201 180 178 360
44314 13.4875 20360201 360 358 360
63136 14.4875 20360201 180 178 360
29464 10.8625 20360201 360 358 360
30038 12.3625 20360201 180 178 360
33019 15.6125 20360201 180 178 360
92657 7.2375 20360201 180 178 360
20841 9.2375 20360301 180 178 360
20878 14.2375 20360201 180 178 360
75225 10.7375 20360201 180 178 360
98584 7.9875 20360201 180 178 360
78681 9.4875 20360201 180 178 360
94105 8.2375 20360201 180 178 360
83706 9.4875 20360301 180 178 360
84087 8.1125 20360201 180 178 360
78602 8.6125 20360201 180 178 360
28262 14.4875 20360301 180 178 360
91915 6.9875 20360201 180 178 360
30038 15.6125 20360301 180 178 360
95662 8.4875 20360201 180 178 360
99202 11.8625 20360201 180 178 360
33143 14.4875 20360201 180 178 360
93930 8.3625 20360201 180 178 360
84401 10.8625 20360201 180 178 360
60628 10.8625 20360201 180 178 360
84403 10.9875 20360301 180 178 360
83615 10.4875 20360201 180 178 360
93535 8.4875 20360301 180 178 360
34236 13.2375 20360201 360 358 360
28203 9.1125 20360201 180 178 360
56377 8.1125 20360301 180 178 360
43062 11.3625 20350701 180 178 360
33928 9.1125 20360201 180 178 360
89147 9.1125 20360201 180 178 360
97478 10.1125 20360201 180 178 360
83703 11.8625 20360301 180 178 360
89031 9.3625 20360301 180 178 360
91702 9.9875 20360301 180 178 360
97426 8.9875 20360201 180 178 360
91601 8.8625 20360201 180 178 360
11550 9.1125 20360201 180 178 360
91950 8.1125 20360201 360 358 360
99577 14.4875 20360201 180 178 360
80026 8.8625 20360201 180 178 360
98059 8.6125 20360201 180 178 360
75035 11.7375 20360301 180 178 360
78745 8.3625 20360301 180 178 360
83638 11.6125 20360301 180 178 360
90815 9.6125 20360201 180 178 360
75227 9.4875 20360201 180 178 360
85208 14.4875 20360201 180 178 360
73008 14.4875 20360201 180 178 360
34203 11.2375 20360201 180 178 360
75227 11.4875 20360201 180 178 360
46767 8.3625 20360201 180 178 360
78723 8.2375 20360201 180 178 360
85301 14.4875 20360201 180 178 360
8204 9.4875 20360301 180 178 360
92101 13.4875 20360201 180 178 360
80910 8.7375 20360201 180 178 360
33069 9.3625 20360301 180 178 360
4024 13.2375 20360301 180 178 360
80013 10.9875 20360301 180 178 360
79707 9.3625 20360201 180 178 360
60586 14.4875 20360201 180 178 360
83686 12.9875 20360301 180 178 360
76014 9.4875 20360201 180 178 360
76209 12.8625 20360301 180 178 360
55021 9.6125 20351101 180 178 360
33467 12.3625 20360301 180 178 360
85027 7.1125 20360201 180 178 360
80229 10.4875 20360301 180 178 360
95765 15.7375 20360201 180 178 360
64052 14.4875 20360201 180 178 360
55411 9.6125 20360201 180 178 360
85331 10.9875 20360201 180 178 360
85260 7.6125 20360301 180 178 360
89012 9.2375 20360301 180 178 360
45385 8.1125 20351101 180 178 360
76104 9.4875 20360201 180 178 360
83709 9.2375 20360201 180 178 360
77058 8.8625 20360301 180 178 360
2816 9.2375 20360201 180 178 360
85222 11.4875 20360201 180 178 360
32757 10.9875 20360201 180 178 360
83651 7.1125 20360201 180 178 360
76058 8.4875 20360201 180 178 360
92056 9.6125 20360201 180 178 360
78704 14.2375 20360301 180 178 360
80016 14.4875 20360201 180 178 360
93306 14.4875 20360301 180 178 360
33914 13.7375 20360201 360 358 360
55414 9.6125 20360201 180 178 360
30363 10.8625 20360301 180 178 360
34746 14.4875 20360201 180 178 360
84403 10.3625 20360201 180 178 360
80016 14.4875 20360201 180 178 360
34233 11.9875 20360201 180 178 360
41015 12.8625 20360201 180 178 360
39437 10.9875 20360201 180 178 360
55412 9.6125 20360301 180 178 360
85353 11.9875 20360201 360 358 360
95843 8.4875 20360201 180 178 360
77545 12.8625 20360301 180 178 360
2370 14.4875 20360201 180 178 360
27529 13.7375 20360201 360 358 360
80207 8.7375 20360301 180 178 360
80204 13.4875 20360201 180 178 360
33710 11.4875 20360201 180 178 360
68404 6.7375 20360301 180 178 360
75028 9.4875 20360201 180 178 360
80916 9.6125 20360201 180 178 360
20705 9.9875 20360201 180 178 360
59715 12.4875 20360201 180 178 360
83709 11.4875 20360201 180 178 360
83642 10.7375 20360201 180 178 360
80919 14.4875 20360201 180 178 360
97214 9.3625 20360201 180 178 360
60653 11.8625 20360201 180 178 360
60107 11.6125 20360201 180 178 360
20902 9.6125 20360201 180 178 360
75062 9.3625 20360201 180 178 360
75035 13.1125 20360201 360 358 360
64060 14.4875 20360201 180 178 360
60188 8.7375 20360301 180 178 360
55424 9.2375 20360301 180 178 360
75035 13.8625 20360201 180 178 360
75035 13.8625 20360201 180 178 360
85326 12.6125 20360201 180 178 360
60633 11.8625 20360201 360 358 360
83713 6.9875 20360201 360 358 360
52001 11.2375 20360201 180 178 360
30106 14.4875 20360201 360 358 360
98292 9.9875 20360201 180 178 360
83687 12.9875 20360301 180 178 360
55448 9.2375 20360201 180 178 360
98266 8.3625 20350801 180 178 360
92071 7.9875 20360301 180 178 360
33317 9.1125 20360201 360 358 360
60174 14.4875 20360201 180 178 360
73118 9.4875 20360201 180 178 360
55744 9.2375 20360201 360 358 360
20020 15.6125 20360301 180 178 360
2130 11.7375 20360201 180 178 360
83687 12.1125 20360301 180 178 360
92071 9.7375 20360201 180 178 360
85365 10.8625 20360201 180 178 360
33060 14.4875 20360201 180 178 360
83651 14.1125 20360201 180 178 360
80020 11.7375 20360201 180 178 360
22601 9.4875 20360301 180 178 360
33060 14.4875 20360201 180 178 360
83651 14.1125 20360201 180 178 360
28748 8.8625 20360201 180 178 360
95307 10.2375 20360201 180 178 360
64128 14.4875 20360201 180 178 360
59912 12.1125 20360201 180 178 360
77008 14.4875 20360301 180 178 360
77008 14.4875 20360301 180 178 360
77008 14.4875 20360301 180 178 360
20176 7.9875 20360301 180 178 360
95632 10.3625 20360201 180 178 360
4210 11.7375 20360201 180 178 360
85231 11.4875 20360301 180 178 360
21236 6.8625 20360201 180 178 360
60636 11.9875 20360201 180 178 360
6519 11.4875 20360201 180 178 360
76126 9.4875 20360301 180 178 360
58703 14.4875 20360301 180 178 360
58703 14.4875 20360301 180 178 360
58703 14.4875 20360301 180 178 360
63042 11.9875 20360201 180 178 360
95002 6.9875 20360201 180 178 360
56055 9.4875 20360201 180 178 360
33604 11.3625 20360201 360 358 360
83634 13.2375 20360301 180 178 360
98296 11.2375 20351001 180 178 360
86335 15.6125 20360301 180 178 360
92028 8.2375 20360301 180 178 360
33004 9.2375 20360201 180 178 360
20748 7.9875 20360201 180 178 360
34744 13.4875 20360301 180 178 360
77450 9.4875 20360201 180 178 360
83669 9.9875 20360201 180 178 360
60629 11.6125 20360201 180 178 360
48529 14.4875 20360201 360 358 360
95301 7.9875 20360201 180 178 360
76123 10.8625 20351201 180 178 360
92301 12.7375 20360201 180 178 360
85249 9.7375 20360301 180 178 360
33993 8.1125 20360301 180 178 360
27606 10.1125 20360301 180 178 360
94804 11.9875 20360201 180 178 360
75216 9.3625 20360201 180 178 360
99205 14.4875 20360301 180 178 360
98168 9.9875 20360201 180 178 360
97015 8.2375 20360201 180 178 360
85310 7.6125 20360301 180 178 360
85224 8.9875 20360201 360 358 360
75013 9.2375 20360201 360 358 360
60411 9.6125 20360301 180 178 360
80003 9.1125 20360201 360 358 360
90019 9.1125 20360201 180 178 360
89123 10.2375 20360201 360 358 360
80211 7.7375 20360201 180 178 360
30044 14.4875 20360301 180 178 360
48066 14.4875 20330801 180 178 360
49259 10.3625 20360301 180 178 360
46231 9.9875 20360201 180 178 360
55421 8.4875 20360201 180 178 360
33410 13.4875 20360301 180 178 360
89117 8.1125 20360201 180 178 360
27592 7.7375 20360201 360 358 360
85331 14.4875 20360301 180 178 360
59047 7.9875 20351201 180 178 360
98229 7.9875 20360301 180 178 360
89101 14.4875 20360301 180 178 360
34608 13.1125 20360201 180 178 360
33175 7.9875 20360201 180 178 360
32736 13.2375 20360201 180 178 360
33909 9.4875 20360201 180 178 360
80219 8.6125 20360301 180 178 360
60477 11.6125 20360301 180 178 360
84119 11.2375 20360201 180 178 360
80228 8.3625 20360301 180 178 360
20747 11.4875 20360301 180 178 360
92592 8.3625 20360201 180 178 360
34232 8.6125 20360201 180 178 360
78732 13.4875 20360301 180 178 360
37076 15.6125 20360201 360 358 360
83642 7.1125 20360201 180 178 360
92563 9.1125 20360201 180 178 360
89117 9.8625 20360301 180 178 360
46158 11.9875 20360301 180 178 360
20164 8.9875 20360201 360 358 360
33414 15.6125 20360301 180 178 360
98115 7.6125 20360201 180 178 360
85087 14.4875 20360201 180 178 360
89139 11.1125 20360201 180 178 360
90706 7.1125 20351001 180 178 360
44314 13.4875 20360201 360 358 360
89141 8.3625 20360201 180 178 360
33603 10.2375 20360201 180 178 360
45344 9.4875 20351001 180 178 360
33317 11.7375 20360201 180 178 360
55124 8.3625 20360301 180 178 360
33604 14.4875 20360201 360 358 360
75149 12.2375 20360301 180 178 360
60447 9.4875 20360201 180 178 360
30296 15.6125 20360301 180 178 360
33612 11.7375 20360301 180 178 360
84116 10.1125 20360201 180 178 360
84720 9.1125 20360201 360 358 360
83704 15.6125 20360301 180 178 360
60123 14.4875 20360201 180 178 360
96130 10.1125 20210201 180 178 180
95388 9.4875 20360201 180 178 360
28202 14.4875 20360201 360 358 360
48225 8.6125 20360301 180 178 360
22026 9.1125 20360201 180 178 360
94585 10.8625 20360201 180 178 360
75216 14.4875 20360201 180 178 360
75215 14.4875 20360201 180 178 360
29170 11.9875 20360201 360 358 360
75210 14.4875 20360201 180 178 360
19805 12.9875 20360301 180 178 360
60419 7.9875 20360201 180 178 360
75215 14.4875 20360201 180 178 360
56307 9.6125 20360201 180 178 360
44685 13.6125 20360201 360 358 360
85224 6.9875 20360201 360 358 360
83706 9.9875 20360201 180 178 360
80917 7.7375 20360301 180 178 360
84015 14.1125 20360201 180 178 360
91331 8.3625 20360201 180 178 360
30458 14.4875 20360201 360 358 360
76034 7.6125 20360201 360 358 360
85228 10.4875 20360201 180 178 360
21133 8.1125 20360201 180 178 360
11221 10.3625 20360201 180 178 360
89109 8.4875 20360201 180 178 360
33326 12.8625 20351201 180 176 360
56672 7.8625 20360201 180 178 360
33351 12.8625 20360301 180 178 360
80401 6.6125 20351101 180 175 360
95437 7.6125 20351201 180 176 360
89178 8.4875 20351101 180 175 360
89104 9.9875 20351101 180 176 360
28754 12.7375 20360201 180 178 360
80601 7.9875 20351201 180 176 360
76119 12.1125 20360201 180 178 360
40228 9.3625 20360101 180 176 360
94560 8.4875 20201201 180 176 180
44050 10.1125 20350501 180 178 360
83616 12.3625 20351201 180 176 360
95132 7.7375 20351201 180 176 360
33015 15.6125 20360301 180 178 360
83350 9.4875 20360201 360 358 360
76522 14.9875 20360201 180 178 360
55443 7.7375 20360101 180 176 360
92677 8.9875 20351201 180 176 360
92610 8.4875 20351201 180 176 360
33710 11.2375 20360101 180 176 360
34952 8.8625 20360201 180 178 360
75051 14.4875 20360201 360 358 360
75051 14.4875 20360301 180 178 360
34242 7.4875 20351201 180 176 360
27281 9.1125 20360101 180 177 360
75051 14.4875 20360301 180 178 360
33880 8.8625 20210101 180 177 180
33032 13.8625 20360201 180 178 360
20155 13.9875 20360301 180 178 360
33024 14.4875 20360201 180 178 360
55358 7.1125 20360201 180 178 360
30102 8.4875 20360201 180 178 360
91351 8.8625 20360301 180 178 360
78212 9.4875 20360201 360 358 360
84032 8.8625 20360201 180 178 360
64068 12.1125 20351201 180 176 360
33032 14.1125 20360201 180 178 360
7465 8.7375 20360301 180 178 360
33064 11.1125 20360201 360 358 360
98031 9.8625 20360301 180 178 360
55124 9.3625 20360101 180 177 360
55103 9.2375 20360201 180 178 360
55104 9.2375 20360201 180 178 360
75060 9.4875 20360301 180 178 360
75056 14.4875 20360201 180 178 360
97128 10.6125 20360201 180 178 360
77459 9.4875 20360201 360 358 360
60628 7.9875 20360201 180 178 360
33166 10.3625 20360201 180 178 360
91701 7.1125 20360201 180 178 360
33033 12.9875 20360201 180 178 360
80247 15.7375 20360201 180 178 360
33407 9.4875 20360201 180 178 360
36561 11.9875 20360101 180 177 360
76119 9.2375 20360201 360 358 360
11576 10.9875 20360201 180 177 360
34119 11.7375 20360101 180 177 360
74128 14.4875 20360201 180 178 360
74126 14.4875 20360201 180 178 360
33130 8.4875 20360201 180 178 360
74127 14.4875 20360301 180 178 360
64034 14.4875 20360301 180 178 360
89031 12.4875 20360201 180 178 360
33441 14.4875 20360301 180 178 360
33441 14.4875 20360301 180 178 360
75180 14.4875 20360301 180 178 360
11961 9.9875 20360101 180 177 360
ZIP_CODE ORIGINAL_BALANCE FIRST_PAY_DATE PAYMENT CURRENT_BALANCE LOAN_TO_VALUE MI MARGIN
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
75402 24458 20060201 250.17 24436.43 20 No MI
28602 29180 20060201 306.91 29156.31 20 No MI
78254 36168 20060201 314.07 36118.28 20 No MI
78245 25532 20051101 221.71 25473.03 20 No MI
29048 20800 20060201 190.27 20774.97 20 No MI
27540 39150 20060201 429.26 39104.71 20 No MI
30252 47400 20060201 487.57 47358.88 20.01000023 No MI
21043 105450 20060201 1145.92 105372.65 19.98999977 No MI
91030 119400 20060201 1423.42 119400 20 No MI
93702 42800 20060101 419.77 42742.95 20 No MI
92345 58000 20060101 546.88 57913.82 20 No MI
95437 83500 20060101 818.94 83346.98 20 No MI
92123 100000 20060101 1019.01 99880.56 20 No MI
93534 30000 20060201 271.63 29962.93 10 No MI
93308 40000 20060201 337.5 39985 20 No MI
77053 27200 20060201 280.83 27176.51 20.02000046 No MI
37218 23600 20060101 183.56 23543.65 20.02000046 No MI
70663 15980 20060101 170.55 15954.76 20 No MI
78054 15000 20060201 160.05 14889.26 19.95999908 No MI
27610 29800 20060201 310.55 29775.14 20 No MI
47150 25300 20060101 292.28 25279.58 19.98999977 No MI
20769 109000 20060201 1083.58 108893.78 20 No MI
3851 70750 20060201 727.75 70688.64 19.98999977 No MI
33029 170000 20060201 1742.5 170000 20 No MI
1118 31800 20051101 330.17 31745.49 20.01000023 No MI
93618 66000 20060301 641.03 65955.23 20 No MI
89084 50000 20060301 572.71 49979.47 20 No MI
89012 44500 20060301 342.17 44445.89 14.59000015 No MI
89052 140000 20060301 1177.2 139861.72 20 No MI
30157 25350 20060101 243.82 25314.29 19.97999954 No MI
31548 25000 20060301 287.34 24989.84 20 No MI
29485 47200 20060301 561.13 47182.9 20 No MI
29576 23000 20060301 210.4 22981.62 20 No MI
23462 54600 20060301 659.93 54581.33 20 No MI
30097 108000 20060301 951.78 107905.04 20 No MI
21713 103610 20060201 1119.88 103532.69 15 No MI
28560 20000 20060301 202.65 19987.98 26.67000008 No MI
44512 17000 20060301 202.11 16993.83 20 No MI
46239 23350 20060301 254.66 23338.41 9.979999542 No MI
63090 28600 20060301 331.54 28588.7 19.98999977 No MI
77469 36900 20051201 320.42 36755.58 20 No MI
79932 27650 20060301 277.52 27632.9 19.96999931 No MI
62839 23700 20060301 286.46 23691.89 20.01000023 No MI
75097 32000 20060301 302.94 31976.68 20 No MI
94547 91200 20051201 788.5 91200 15 No MI
89128 30000 20060301 293.75 30000 15 No MI
92345 79700 20060301 746.99 79640.35 20 No MI
93230 41000 20060301 388.14 40970.13 20 No MI
98312 29250 20060301 268.66 29226.9 15 No MI
21783 44000 20060301 375.61 43958.11 14.18999958 No MI
96002 65000 20060301 706.36 64968.37 20 No MI
20735 73000 20060301 753.7 72958.47 20 No MI
60502 31000 20060201 281.84 30962.08 13.18999958 No MI
48126 20500 20060301 237.64 20491.9 19.97999954 No MI
48331 41600 20060201 498.68 41577.9 20 No MI
45242 55000 20060301 464.48 54946.25 20 No MI
17201 40000 20060301 401.47 39975.28 20 No MI
61008 42800 20060301 465.11 42779.17 19.71999931 No MI
43110 20000 20060301 167.5 20000 17.10000038 No MI
55044 72700 20060301 613.41 72663.41 11.19999981 No MI
44236 32900 20060301 333.8 32900 10 No MI
62286 10350 20060301 121.63 10331.76 15 No MI
55408 60000 20060301 506.25 60000 20 No MI
46236 28000 20060301 257.83 28000 20 No MI
55445 24800 20060301 209.25 24800 20.02000046 No MI
48126 54150 20060301 512.62 54110.56 19.98999977 No MI
20018 105000 20060301 1248.28 104961.96 20 No MI
20706 40950 20060301 368.55 40950 9.989999771 No MI
6516 43600 20060301 496.83 43581.78 20 No MI
19904 61000 20060301 623.94 60964.32 20 No MI
29365 26800 20060201 232.72 26763.16 20 No MI
28227 79350 20060301 829.87 79350 19.98999977 No MI
28086 20400 20060301 208.66 20388.07 20 No MI
27360 22950 20060301 213.72 22950 19.96999931 No MI
38141 20000 20060301 159.13 19977.49 22.86000061 No MI
38118 15800 20060301 125.72 15782.2 20 No MI
38654 27550 20060301 295.1 27535.98 19.97999954 No MI
38053 27300 20060301 226.77 27250.09 20 No MI
15239 25200 20060201 231.46 25170 15 No MI
34997 29250 20060301 304.82 29233.81 15 No MI
34113 56000 20060301 567.42 55966.33 20 No MI
7011 77800 20060301 818.28 77707.61 20 No MI
3842 103000 20060201 1193.98 102938.68 20 No MI
11422 70000 20060301 709.28 69957.9 20 No MI
1104 33000 20060301 353.48 32983.2 20 No MI
1851 53600 20060301 621.33 53578.86 20 No MI
21061 69400 20060301 683.3 69354.68 20 No MI
6095 44000 20060301 467.04 43976.96 20 No MI
96821 300000 20060201 2854.7 299565.28 13.64000034 No MI
96786 63000 20060201 599.49 62908.7 15 No MI
95125 300000 20060201 2970.87 299610.97 24.48999977 No MI
96701 35400 20060201 363.86 35358.77 10 No MI
96821 400000 20060201 3806.27 399420.34 18.18000031 No MI
96706 153000 20060201 1341.55 152725.3 30 No MI
96746 55300 20060201 537.11 55204.55 10 No MI
96768 63300 20060201 567.23 63192.46 10 No MI
6354 62400 20060201 545.3 62315.61 20 No MI
74012 37680 20060201 312.72 37622.16 20 No MI
33174 71000 20060101 553.5 70831.35 20 No MI
30005 68000 20060201 547.15 67887.71 20 No MI
32246 36000 20060101 323.91 35781.93 20 No MI
77338 29618 20060101 285.63 29459.8 20 No MI
33035 33398 20060201 282.05 33348.83 20 No MI
33617 35300 20060101 309.53 35236.58 20 No MI
96816 360000 20060201 3633.88 359558.04 20 No MI
96797 70000 20060201 640.32 69694.2 20 No MI
96822 282500 20060201 2903.66 282171.06 20.93000031 No MI
96826 129000 20060201 1325.92 128849.8 21.14999962 No MI
96744 400000 20060201 3075.65 399020.39 22.86000061 No MI
96740 59200 20060201 608.48 59113.43 10 No MI
2840 150000 20051201 1261.29 149625.17 18.37999916 No MI
30058 41600 20060301 453.69 41579.98 19.90999985 No MI
6114 52000 20060101 544.91 51942.82 20 No MI
30331 29000 20060301 285.53 28981.05 20 No MI
1105 25800 20051201 295.52 25763.09 15 No MI
30238 25200 20060301 282.8 25177.12 20 No MI
6382 36100 20051201 381.79 36029.53 20.01000023 No MI
28078 76500 20060301 797.21 76457.68 20 No MI
6360 22990 20051201 195.42 22934 10 No MI
30084 26250 20060301 313.17 26205.29 17.15999985 No MI
30342 10750 20060301 116.2 10744.67 10 No MI
1510 59200 20051201 620.36 59117.56 20 No MI
89110 53000 20060201 614.38 52968.44 20 No MI
92027 78300 20060301 733.87 78241.4 20.01000023 No MI
1037 40680 20060101 426.29 40635.26 15 No MI
1108 42200 20051201 442.22 42127.47 20 No MI
80601 68600 20060301 630.08 68545.82 20 No MI
6106 40500 20051201 378.06 40422.39 15 No MI
58078 33750 20060301 335.52 33728.54 15 No MI
4240 43000 20051201 454.76 42802.23 20 No MI
4001 35200 20051201 328.59 35132.5 20 No MI
84780 82000 20060301 807.35 81946.46 20 No MI
2896 56702 20051201 577.8 56616.89 20 No MI
80918 47600 20060301 415.09 47557.02 20.20000076 No MI
1850 33200 20060101 347.91 33163.47 20 No MI
37912 23300 20060301 231.16 23172.16 19.97999954 No MI
2840 100000 20051201 990.3 99837.08 16.46999931 No MI
37138 33600 20060301 267.34 33562.18 20 No MI
6112 17100 20051201 146.92 17053.56 15 No MI
23453 26000 20060201 288.63 25982.17 20 No MI
1453 69000 20060101 729.73 68926.2 20 No MI
2909 41985 20051201 439.96 41904.11 15 No MI
6511 67207 20051201 769.8 67136.83 15 No MI
74110 15000 20060301 159.22 14992.14 20 No MI
1950 43950 20051201 426.87 43874.4 15 No MI
77584 135150 20060301 1356.46 135066.47 20 No MI
6106 52000 20051201 549.94 51930.13 20 No MI
32209 19000 20060301 214.65 18991.82 20 No MI
6114 48980 20060101 518 48927.62 20 No MI
32738 57000 20060201 594 56952.45 20 No MI
6360 41235 20060101 472.32 41200.72 15 No MI
32725 51600 20060301 491.28 51600 20.01000023 No MI
6066 37000 20060101 348.87 36945.03 20 No MI
30041 70000 20060301 662.67 69949.01 20 No MI
1841 36600 20051201 311.1 36510.89 10 No MI
32219 11500 20060301 115.43 11492.88 10 No MI
4005 97000 20060101 1082.5 96912.32 25.87000084 No MI
33617 17000 20060301 210.55 16994.66 20 No MI
1845 99750 20060101 1016.46 99630.85 15 No MI
99603 23500 20060301 214.97 23481.23 10 No MI
33032 40550 20060301 387.7 40521.27 19.97999954 No MI
1108 32310 20060101 341.71 32266.95 20 No MI
1108 30000 20060101 317.28 29942.05 20 No MI
33914 48700 20060301 473.81 48700 20.01000023 No MI
33764 74150 20060301 751.33 74105.4 15 No MI
1930 43200 20060101 359.32 43111.69 10 No MI
33143 154000 20060301 1530.93 153902.17 20 No MI
34759 45400 20060301 562.28 45385.76 20 No MI
6450 38000 20060101 401.88 37959.36 20 No MI
32218 27150 20060301 280.32 27134.54 15 No MI
33544 24900 20060301 242.79 24883.3 10 No MI
1240 90000 20060201 960.54 89930.16 20 No MI
33024 20000 20060301 187.45 19985.03 16 No MI
5476 15000 20060201 128.88 14978.82 7.139999866 No MI
48180 73100 20060301 799.78 73029.08 19.97999954 No MI
33056 20000 20060301 202.65 19987.98 11.76000023 No MI
46237 26400 20060301 282.79 26386.55 20 No MI
2148 72200 20060201 763.57 72142.39 20 No MI
34746 25990 20060301 220.92 25964.98 10 No MI
3246 25050 20051201 194.84 24974.97 7.730000019 No MI
3246 33750 20051201 356.93 33704.66 15 No MI
3570 18000 20060101 188.63 17980.18 20 No MI
3103 77000 20060101 585.26 76746.96 30.20000076 No MI
3820 30780 20060201 261.63 30735.39 20 No MI
3908 65000 20051201 482.63 64784.47 16.67000008 No MI
3801 75000 20060101 556.88 74798.59 18.52000046 No MI
2130 39000 20060101 299.88 38904.46 10 No MI
2915 50100 20060101 389.68 49960.61 15 No MI
8098 31200 20051201 308.98 31149.11 15.06000042 No MI
8096 17850 20060201 137.26 17817.3 10 No MI
7103 51750 20051201 430.44 51617.23 15 No MI
8514 200000 20060201 1467.53 199594.72 34.18999863 No MI
34711 80485.8 20060101 820.16 80389.86 20 No MI
8816 59250 20060201 541.99 59154.48 15 No MI
98108 33600 20060101 294.62 33539.65 14.73999977 No MI
77573 32200 20060101 282.34 32142.2 20 No MI
30043 32400 20060201 287.94 32357.97 20 No MI
74136 43000 20060201 377.04 42942.34 20 No MI
34609 44000 20060201 384.67 43940.55 25 No MI
77088 24800 20060201 217.46 24766.73 20 No MI
77080 25400 20060101 222.72 25354.38 20 No MI
11429 88000 20060201 813.54 87828.67 20 No MI
97080 49400 20060201 409.99 49324.17 20 No MI
94530 91600 20060101 928.14 91471.54 20 No MI
98034 30800 20060201 300.32 30768.85 20 No MI
92307 70400 20060201 620.42 70306.76 20 No MI
30135 44000 20060201 451.18 43844.06 20 No MI
37072 23956 20060201 186.93 23913.55 20 No MI
30016 50620 20060201 446.1 50552.97 20 No MI
48506 16000 20060101 152.98 15905.23 20 No MI
30238 31000 20060201 305.35 30881.19 20 No MI
33140 26000 20060101 263.45 25968.4 20 No MI
19706 31200 20060201 274.96 31158.68 20 No MI
63376 37580 20060201 380.78 37545.94 20 No MI
30013 54980 20060201 557.09 54930.15 20 No MI
33312 50998 20060101 466.5 50915.87 20 No MI
85208 39300 20060201 357.4 39124.25 15 No MI
33761 56900 20060201 583.45 56698.36 20 No MI
33405 59980 20060201 555.4 59910.15 20 No MI
76179 62380 20060201 546.97 62296.33 20 No MI
15644 26000 20060201 242.71 25970.36 20 No MI
34758 44000 20060101 402.49 43929.12 20 No MI
97062 50580 20060201 464.57 50519.81 20 No MI
30274 29600 20060101 259.55 29312.87 20 No MI
95831 99800 20060101 1026.56 99684.03 20 No MI
33177 54750 20060201 490.62 54680.52 15 No MI
33990 58600 20060201 571.39 58540.73 20 No MI
92545 58000 20060101 574.37 57924.79 20 No MI
75241 20180 20060101 194.61 20072.22 20 No MI
76248 33750 20060201 295.94 33700.61 20 No MI
33461 40000 20060101 411.45 39953.51 20 No MI
84037 31400 20060201 314.55 31370.59 20 No MI
92545 67400 20060101 590.99 67309.61 20 No MI
90630 143000 20060101 1202.43 142715.26 20 No MI
30248 26200 20060201 265.47 26167.06 20 No MI
33060 67400 20060201 619.06 67319.8 20 No MI
98204 65000 20060101 594.58 64895.32 20 No MI
20744 79400 20060101 816.86 79025.57 20 No MI
34668 37800 20060201 317.85 37743.75 19.90999985 No MI
22192 68400 20060201 685.2 68335.93 20 No MI
91406 25750 20060201 245.03 25712.68 5 No MI
92054 30000 20060201 308.35 29965.08 5 No MI
94568 63500 20060201 652.68 63426.07 10 No MI
94509 71000 20060201 729.77 70917.32 10 No MI
94565 53000 20060201 540.07 52936.7 10 No MI
93015 38500 20060201 395.72 38455.17 7 No MI
94952 152150 20060201 1563.86 151972.7 20 No MI
84738 43000 20060101 335.22 42897.86 20 No MI
33015 68000 20060101 564.36 67860.26 20 No MI
23324 20700 20060201 183.65 20673.05 15 No MI
15954 30800 20060101 258.99 30738.64 20 No MI
37914 15000 20060101 127.63 14899.96 20 No MI
84604 22780 20060101 180.84 22689.33 20 No MI
7106 39200 20060201 342.56 39146.98 20 No MI
93706 44400 20060201 434.62 44355.57 20 No MI
92553 77000 20060201 600.27 76863.34 20 No MI
97031 54800 20060101 526.02 54669.75 20 No MI
20783 76800 20060101 832.29 76474.09 19.59000015 No MI
45239 20000 20060201 192.74 19979.08 20 No MI
33024 51000 20060101 410.36 50735.76 20 No MI
2852 56600 20060201 582.2 56550.91 20 No MI
32967 45980 20060101 403.17 45795.75 20 No MI
30047 41800 20060201 368.37 41744.66 20 No MI
33325 57000 20060101 468.93 56880.42 20 No MI
38125 47430 20060201 416.43 47197.27 20 No MI
91740 97000 20060201 847.67 96868.78 20 No MI
94080 140000 20060201 1346.49 139682.36 15.64000034 No MI
94534 93250 20060201 958.46 93141.44 10 No MI
94605 41500 20060201 426.55 41451.7 10 No MI
89081 80000 20060201 822.27 79882.99 20 No MI
94538 65500 20060201 642.4 65411.5 10 No MI
92592 69000 20060201 650.59 68897.5 20 No MI
38006 23250 20060201 249.7 22964.57 14.94999981 No MI
94806 62500 20060201 642.4 61893.64 10 No MI
77478 27000 20060201 268.41 26974.15 20 No MI
92505 101000 20060101 787.37 100760.1 20 No MI
92127 72950 20060201 767.27 72890.81 19.98999977 No MI
30296 29950 20060301 338.35 29937.12 19.97999954 No MI
2149 45000 20060101 354.02 44895.29 7.460000038 No MI
30038 27000 20060301 250.52 26979.25 20 No MI
29671 34000 20060301 334.76 33977.79 14.77999973 No MI
2536 58000 20051201 435.74 57812.49 14.86999989 No MI
30008 32400 20060201 375.58 32380.71 20 No MI
30331 42000 20060301 491.98 41823.7 20 No MI
2360 25000 20060201 212.5 24963.77 7.289999962 No MI
30093 21200 20060301 190.77 21182.32 14.97999954 No MI
30035 37400 20060301 354.06 37386.44 20 No MI
30135 33150 20060301 381.01 33136.54 19.98999977 No MI
2301 29500 20060101 278.16 29447.57 8.680000305 No MI
6120 33400 20051201 382.57 33365.13 20 No MI
30274 29000 20060301 285.53 28981.05 20 No MI
1830 40000 20060101 304.03 24530.86 16.43000031 No MI
1832 34000 20060101 289 33934.05 10 No MI
1832 60000 20060101 548.85 59890.92 20 No MI
33904 190000 20060201 1597.63 189717.39 24.20000076 No MI
3301 26300 20051201 273.06 26262.66 19.94000053 No MI
2155 52250 20051201 411.06 52097.44 10.39999962 No MI
31807 54900 20060201 556.28 54850.23 20.01000023 No MI
30096 22000 20060301 248.54 21990.53 20 No MI
2119 66400 20060201 522.37 66284.56 20 No MI
30014 46750 20060301 460.29 46719.47 19.98999977 No MI
1420 34400 20060101 321.12 34347.49 14.96000004 No MI
35125 35950 20060301 392.07 35932.7 19.97999954 No MI
30062 94000 20060301 907.64 93935.17 20 No MI
34741 39900 20060301 406.59 39876.39 19.96999931 No MI
1506 44000 20060201 346.15 43923.49 20 No MI
2125 113800 20060201 875.03 113591.68 20 No MI
1119 17950 20060201 157.53 17925.96 19.96999931 No MI
30213 43500 20060201 432.28 43500 19.97999954 No MI
2112 43350 20060201 364.52 43285.5 15 No MI
30013 37800 20060301 427.03 37783.75 20 No MI
1803 48750 20060101 510.85 48696.42 15 No MI
1832 40350 20051201 328.31 40240.94 15 No MI
2026 40000 20060101 365.9 39935.56 9.640000343 No MI
1824 100000 20051201 877.58 99683.48 33.33000183 No MI
1923 48700 20060101 391.86 48592.36 10 No MI
1851 55480 20060201 461.46 55395.28 20 No MI
1351 48000 20060101 439.08 47922.66 20 No MI
75137 34665 20060101 303.96 34602.74 20 No MI
92084 46000 20060201 428.38 46000 12.10999966 No MI
98662 24500 20060101 203.34 24449.64 12.5 No MI
92688 98000 20060201 759.5 98000 20 No MI
11207 110000 20060101 1051.72 109842.63 20 No MI
85747 42000 20060201 393.65 41952.63 15 No MI
7863 44000 20060101 354.04 43902.76 20 No MI
29414 32400 20060201 296.38 32361.02 20 No MI
31404 27000 20060201 303.5 26816.87 20 No MI
55411 24000 20060101 231.45 23871.81 20 No MI
94066 69000 20060201 709.21 68899.09 10 No MI
85935 159700 20060201 1460.84 159442.79 29.56999969 No MI
95822 28500 20060201 292.94 28449.69 10 No MI
89134 76500 20060201 786.3 76381.82 15 No MI
95132 60300 20060201 619.79 60229.78 10 No MI
95842 58200 20060201 598.2 58132.26 16.87000084 No MI
95388 247450 20060201 2345.62 247450 31.47999954 No MI
29576 54400 20060201 476 54400 15.01000023 No MI
29577 22000 20060201 226.3 21980.91 20 No MI
31419 41250 20060201 470.05 41224.01 15 No MI
31406 21000 20060201 200.79 20977.55 20 No MI
29466 27150 20060201 248.36 27117.32 14.97999954 No MI
31312 47000 20060201 503.44 46963.93 20.01000023 No MI
31324 54400 20060201 476 54400 20.01000023 No MI
30067 33800 20060201 348.98 33771 20 No MI
30058 22500 20060201 190.02 22466.87 15 No MI
13219 70000 20060201 722.73 69925.37 20 No MI
77396 48362 20050901 419.96 48181.01 20 No MI
75154 34600 20060101 300.45 34536.34 20 No MI
78045 25606 20060201 299.95 25443.97 20 No MI
92203 60900 20060101 608.91 60823.13 15.02000046 No MI
87144 29550 20060201 309.66 29525.74 19.98999977 No MI
92234 85080 20060101 875.15 84930.68 20 No MI
30507 30600 20060201 333.73 30577.77 20 No MI
30122 32700 20060101 286.73 32641.27 20 No MI
35022 24450 20060201 210.97 24415.81 19.97999954 No MI
33145 113500 20060201 907.13 113309.68 21.42000008 No MI
30039 34750 20060201 291.03 34750 19.97999954 No MI
20110 51800 20060101 532.83 51739.78 20 No MI
30228 37900 20060201 405.97 37870.9 19.97999954 No MI
80918 53980 20060101 448 53869.09 20 No MI
30248 26150 20060201 285.19 26131.03 19.97999954 No MI
28105 63200 20060101 508.07 62771.85 20 No MI
92028 94000 20050901 391.67 93991.67 20 No MI
11553 82000 20060101 827.72 81899.32 20 No MI
92879 74000 20060201 860.94 73526.32 13.96000004 No MI
20724 62000 20060101 543.64 61888.66 20 No MI
94030 75000 20060101 630.64 74812.61 11.53999996 No MI
94521 64500 20060201 602.1 64401.53 10 No MI
92882 50150 20060201 515.46 50076.66 16.71999931 No MI
94044 150000 20060201 1703.95 148660.94 20.54999924 No MI
94803 157000 20060201 1613.71 156817.21 20 No MI
96003 47500 20060201 488.23 47444.67 10 No MI
95831 42500 20060201 436.83 42450.53 9.659999847 No MI
93015 105800 20060201 1072.02 105704.11 20 No MI
65255 30000 20060101 241.17 29933.58 30 No MI
85375 58700 20060201 550.17 58633.79 19.98999977 No MI
40511 27600 20060101 243.91 27427.49 20 No MI
92870 83000 20060201 816.17 83000 20 No MI
90003 64500 20060201 573.78 64500 14.82999992 No MI
75442 24400 20060101 259.97 24158.29 20 No MI
11691 78000 20060101 655.87 77743.1 15 No MI
90501 67800 20060101 521.33 67633.93 12 No MI
7055 84800 20060101 817.78 84347.1 20 No MI
97301 28980 20060101 298.93 28844.06 20 No MI
22192 136000 20060101 1380.72 135341.67 12.81999969 No MI
89143 63900 20060201 656.79 63825.6 20 No MI
94131 48000 20060201 484.52 47941.06 9.229999542 No MI
37205 69000 20060101 703.11 68861.33 10 No MI
95762 182500 20060201 1686.48 182213.85 10 No MI
89124 26600 20060201 240.84 26556 9.989999771 No MI
94531 36900 20060101 342.09 36900 6 No MI
89135 180000 20060201 1850.12 179790.4 18.09000015 No MI
94579 80000 20060201 799.87 79899.07 10 No MI
30281 79950 20060201 926.78 79399.1 19.98999977 No MI
76248 27302 20060101 239.4 27252.35 20 No MI
36092 16980 20060201 159.15 16960.84 20 No MI
90713 118500 20060101 1039.05 118287.21 20 No MI
30344 31000 20060201 326.05 30958.37 20.01000023 No MI
93727 25600 20060101 201.4 25540.42 20 No MI
64154 20980 20060201 211.77 20954.26 20 No MI
64154 21380 20060201 215.81 21353.76 19.95000076 No MI
95377 113240 20060101 1057.07 113023 20 No MI
85251 60000 20060101 628.74 59917.13 20.01000023 No MI
87004 31900 20060101 297.78 31761.83 19.97999954 No MI
96734 400000 20060201 3658.96 399191.17 22.21999931 No MI
93272 34400 20060101 331.74 34216.28 20 No MI
1420 45000 20060201 394.58 44939.22 20 No MI
31216 69380 20060201 642.44 69299.21 20 No MI
93560 52998 20060101 416.94 52874.67 20 No MI
33147 44000 20060101 466.12 43560.2 20 No MI
35208 15200 20060101 153.44 15181.3 20.03000069 No MI
75052 22000 20060101 192.91 21938.91 20 No MI
75034 31650 20060201 307.41 31617.63 18.95000076 No MI
92346 74000 20060101 648.86 73867.11 20 No MI
33837 34500 20060101 274.8 34421.94 14.81000042 No MI
14534 56000 20060201 627.73 55746.75 25 No MI
94580 61000 20060101 584.58 61000 10 No MI
94568 179850 20060201 1848.58 179640.58 15 No MI
80503 390000 20060201 3279.33 389223.52 15 No MI
32328 350000 20060201 3007.04 349338.84 9.210000038 No MI
94545 88750 20060201 912.21 88646.67 15.03999996 No MI
29485 24600 20060201 252.85 24571.35 14.98999977 No MI
32779 38750 20060201 380.05 38630.15 5 No MI
76123 30500 20060201 264.85 30458.08 19.54999924 No MI
89110 96250 20060101 774.45 96037.32 25 No MI
74055 32250 20060201 337.95 32223.54 20 No MI
27603 46980 20060201 366.25 46896.6 20 No MI
30269 41000 20060201 473.66 40975.3 20 No MI
75115 63600 20060101 557.67 63485.79 20 No MI
75063 79000 20060201 686 78891.42 20 No MI
30228 31650 20060201 317.67 31620.49 19.97999954 No MI
75212 16000 20060201 138.94 15978.01 20 No MI
33024 51600 20060101 452.45 51507.33 20 No MI
35173 48200 20060201 497.65 48158.66 20 No MI
85035 36200 20060101 317.42 36134.98 20 No MI
78660 42800 20060201 425.48 42759.02 20 No MI
28409 50000 20060201 457.37 49939.87 9.170000076 No MI
77581 24000 20060201 250.11 23831.51 20 No MI
34119 56800 20060101 498.04 56698.02 20 No MI
30265 23700 20060201 233.35 23626.23 19.97999954 No MI
85283 29100 20051201 296.53 29038.26 10 No MI
94611 200000 20060101 1942.52 199656.01 19.20999908 No MI
85016 57700 20051201 615.81 57609.06 19.96999931 No MI
90301 48100 20060101 457.7 47966.7 10.03999996 No MI
30543 32500 20060101 309.51 32452.98 25 No MI
7104 114000 20060201 1025.8 113856.87 20 No MI
64133 65400 20060101 502.87 65239.83 30 No MI
64015 34550 20060101 251.12 34454.39 29.15999985 No MI
92503 86400 20060101 679.71 86198.97 20 No MI
33435 32400 20060101 260.7 32328.4 20 No MI
30087 33000 20060101 265.53 32927.06 20 No MI
80925 66600 20060201 642.27 66308.49 20 No MI
78239 10800 20060301 94.78 10790.4 20 No MI
78239 10600 20060301 93.02 10590.58 20 No MI
90038 160000 20060201 1707.61 159875.89 20 No MI
64130 10058 20060301 127.18 10055.08 27 No MI
30297 17000 20060301 171.6 16989.67 15.03999996 No MI
33406 44400 20060301 597.07 44389.79 20 No MI
60623 70000 20060301 740.3 69962.97 20 No MI
70445 24100 20060301 202.65 24076.19 20 No MI
92126 84800 20060301 767.79 84730.46 20 No MI
95003 285000 20060301 2141.11 284635.29 22.35000038 No MI
78602 33500 20060201 370.58 33476.76 20 No MI
84087 24600 20060201 191.34 24547.32 15 No MI
89012 99672 20060301 1240.39 99641.31 20 No MI
19977 42550 20060301 342.37 42503.34 20 No MI
55303 44600 20060301 354.86 44549.8 20 No MI
7090 293750 20060301 2632.3 293502.57 25 No MI
55124 49000 20060301 430.01 48956.46 20 No MI
78626 25200 20060301 235.24 25180.93 20 No MI
86413 33980 20060301 288.83 33947.31 20 No MI
92118 240000 20060301 1909.55 239729.9 20 No MI
60411 19950 20060301 191.88 19936.08 15 No MI
28716 29000 20060301 210.27 28959.95 20 No MI
33021 56000 20060301 470.88 55944.69 20 No MI
83642 19600 20060301 212.99 19590.47 10.01000023 No MI
56082 31000 20060301 274.92 30973.17 20 No MI
34691 13000 20060301 117.7 12989.35 8.670000076 No MI
87120 33160 20060301 226.21 33108.11 20 No MI
87112 25200 20060301 311.1 25192.01 15 No MI
78583 28800 20060301 252.74 28774.31 20 No MI
85018 390000 20060301 2726.94 389419.31 15 No MI
76033 26531 20060301 335.47 26523.29 20 No MI
93510 200000 20060201 2134.52 199844.83 23.34000015 No MI
44131 64000 20060301 509.21 63786.15 20 No MI
95123 134200 20060301 1079.8 134052.85 20 No MI
77015 24000 20060301 210.62 23978.67 20 No MI
84070 36740 20060301 374.38 36718.28 20 No MI
83686 23580 20060301 251.66 23567.87 20 No MI
33062 206150 20060201 1771.15 205859.11 35 No MI
21157 160000 20060301 1330.8 159837.77 20 No MI
84337 25800 20060301 326.23 25792.49 20 No MI
17602 11000 20060301 147.92 10997.48 20 No MI
78597 31800 20060201 270.3 31694.28 15 No MI
74063 35600 20060301 264.33 35552.59 20 No MI
89117 77777 20060301 845.2 77739.16 20 No MI
80223 23400 20060301 190.39 23375 20 No MI
17602 11000 20060301 147.92 10997.48 20 No MI
29680 44100 20060301 557.62 44087.18 30 No MI
92129 165000 20060301 1283.35 164804.48 20 No MI
21657 28000 20060301 203.02 27961.33 10 No MI
85306 50000 20060301 448.05 49957.88 17.23999977 No MI
17602 11000 20060301 147.92 10997.48 20 No MI
29621 16200 20060301 171.62 16119.69 14.72999954 No MI
95624 97000 20060301 798 96899.03 20 No MI
93704 32000 20060301 324.57 31830.23 9.140000343 No MI
85379 61400 20060301 488.53 61330.89 20 No MI
85020 51000 20060301 401.22 50941.1 20 No MI
63119 32400 20060301 409.68 32390.58 20 No MI
92376 76000 20060301 584.37 75907.6 20 No MI
17538 42000 20060301 564.8 41990.34 20 No MI
95822 40000 20060301 321.85 39956.14 12.11999989 No MI
98366 30000 20060301 379.33 29991.29 20 No MI
89523 84050 20060301 808.38 83991.39 20 No MI
75216 11600 20060301 146.68 11596.62 20 No MI
55069 35980 20060301 309.12 35946.3 20 No MI
75146 27000 20060301 341.4 26992.15 20 No MI
84115 14800 20060301 146.56 14790.5 10 No MI
85045 60500 20060301 449.21 60420.59 10 No MI
92114 59000 20060301 550.75 58955.38 13.10999966 No MI
94801 73000 20060301 640.63 72935.13 20 No MI
84003 92000 20060301 902.3 91939.28 20 No MI
75248 61000 20060301 832.61 60986.77 20 No MI
75067 37000 20060301 505.03 36991.97 20 No MI
30080 19100 20060301 239.6 19094.29 10 No MI
98058 100000 20060301 1354.84 99977.67 20 No MI
77489 12000 20060301 125.75 11993.47 20 No MI
83286 46400 20060301 437.5 46365.85 20 No MI
95824 52000 20060301 475.66 51958.5 20 No MI
95401 70500 20060301 480.93 70389.69 15 No MI
93711 100000 20060301 768.91 99878.41 20 No MI
8028 60000 20060301 752.67 59982.05 20 No MI
60102 44800 20060301 344.47 44745.53 20 No MI
75217 12000 20060301 142.18 11995.61 15 No MI
34758 43595 20060301 529.51 43580.35 20 No MI
89129 167800 20060301 1988.21 167738.56 20 No MI
98118 53875 20060301 400.02 53804.28 19.98999977 No MI
75006 16980 20060301 169.77 16969.39 10 No MI
75006 19684 20060301 196.81 19671.7 10 No MI
95356 47850 20060301 310.35 47767.38 15 No MI
22193 119800 20060301 1018.29 119684.76 20 No MI
48213 11200 20060301 151.74 11197.5 10 No MI
33928 81895 20060301 818.82 81843.83 20 No MI
55318 46125 20060301 354.66 46068.92 15 No MI
45212 26600 20060301 281.31 26585.93 20 No MI
75165 27000 20060301 341.4 26992.15 20 No MI
89012 87000 20060301 661.26 86891.48 20 No MI
20874 30000 20060301 214.92 29957.52 10 No MI
34135 87000 20060301 771.54 86924.73 20 No MI
93274 43200 20060301 367.2 43158.43 20 No MI
84043 70000 20060301 646.87 69945.6 20 No MI
85262 224881 20060301 1729.14 224607.57 25 No MI
92408 61800 20060301 787.61 61782.55 20 No MI
84010 53100 20060301 394.27 53018.79 15 No MI
75154 17000 20060301 188.05 16992.19 20 No MI
66607 14410 20060301 182.21 14405.81 20.01000023 No MI
83338 35800 20060301 330.83 35772.18 20 No MI
33408 200000 20060201 1609.25 199669.79 21.04999924 No MI
76063 25300 20060301 222.03 25277.51 9.979999542 No MI
33572 67721 20060301 769.03 67692.4 20 No MI
94806 102000 20060301 1088.6 101947.53 20 No MI
83607 19278 20060301 243.76 19272.4 20 No MI
78213 14500 20060301 127.25 14487.11 20 No MI
30134 19440 20060301 181.47 19425.29 20 No MI
75098 34361 20060301 298.37 34329.65 20 No MI
76131 12585 20060201 121.05 12571.74 10 No MI
89436 65000 20060301 637.5 64957.09 20 No MI
80461 39000 20060201 406.25 38998.49 26 No MI
48188 64000 20060201 628.91 63936.67 20 No MI
60649 66000 20060201 581.64 65912.6 20 No MI
32927 33600 20060101 263.14 33520.99 16 No MI
77469 34680 20060101 304.09 34516.87 20 No MI
60436 25380 20060201 262.04 25358.24 20 No MI
33559 38000 20060101 305.76 37916.02 20 No MI
77450 43800 20060101 384.06 43721.33 20 No MI
44312 26400 20060201 252.42 26371.78 20 No MI
92553 74000 20060101 576.89 73824.22 20 No MI
21117 53200 20060201 515.16 52989.42 20 No MI
60432 32000 20060201 347.75 31976.5 20 No MI
41101 24400 20060101 227.77 24362.75 20 No MI
34602 36000 20060201 372.82 35874.9 20 No MI
55398 51400 20060201 475.95 51336.07 20 No MI
94080 230000 20051201 2364.04 229594.24 16.43000031 No MI
33428 49300 20060201 455.58 49222.7 15.5 No MI
94112 112050 20060101 1151.7 111886.09 15 No MI
94514 66450 20060101 663.95 66450 10 No MI
55372 76200 20060101 558.6 75864.87 30 No MI
44120 15000 20060201 142.29 14983.62 20 No MI
32327 23980 20060201 246.67 23959.18 20 No MI
74135 31600 20060101 277.08 31543.26 20 No MI
74012 27000 20060101 236.75 26932.57 20 No MI
92571 63000 20060101 583.37 62860.83 20 No MI
33177 44000 20060101 354.04 43902.76 20 No MI
92410 71000 20060101 620.46 70871.41 20 No MI
27703 36000 20060101 298.78 35926.02 20 No MI
37331 17090 20060201 145.41 17004.82 20 No MI
80130 68591 20060201 589.31 68494.19 19 No MI
28270 25000 20060301 269.25 24987.48 20 No MI
83704 40000 20060201 300 40000 20 No MI
87122 66727 20060201 635.46 66654.4 20 No MI
85251 20900 20060101 221.04 20877.62 10 No MI
20111 53000 20060101 560.52 52943.3 10 No MI
89117 68000 20060201 571.79 67898.83 20 No MI
23321 40300 20060101 434.02 40259.24 20 No MI
32771 75640 20060201 713.21 75556.08 10 No MI
88012 47038 20060201 447.96 46987.2 30 No MI
65536 10600 20060201 107.52 10515.31 20 No MI
85224 26500 20060201 194.45 26446.3 10 No MI
36066 14020 20060201 126.94 14002.68 10 No MI
87047 32450 20060201 351.2 32215.83 10 No MI
46140 25800 20060201 265.39 25777.61 20 No MI
21409 104000 20060101 951.33 103832.5 20 No MI
83642 36165 20060201 286.31 36165 15 No MI
30019 49400 20060201 475.12 49348.1 20 No MI
83352 42000 20060101 360.85 41496.37 19.80999947 No MI
85255 79380 20060201 808.89 79309.23 20 No MI
89109 73950 20060201 711.24 73872.3 15 No MI
63044 45000 20060101 497.79 44958.17 20 No MI
23451 64350 20060301 649.56 64310.87 15 No MI
85222 24500 20060201 245 24500 10 No MI
85222 24500 20060201 245 24500 10 No MI
2916 59250 20060201 547.53 59180.63 15 No MI
30121 14000 20060201 144.01 13987.85 10 No MI
28213 15000 20060201 147.12 14985.06 13.64000034 No MI
89131 149980 20060201 1374.82 149980 20 No MI
30213 26500 20060201 306.15 26484.04 20 No MI
17363 89100 20060201 773.7 88977.56 20 No MI
82001 30200 20060101 262.25 30144.4 20 No MI
38117 8230 20060201 77.6 8220.87 15 No MI
32736 33690 20060201 343.31 33659.94 10 No MI
98023 59400 20060201 593.91 59344.05 20 No MI
75227 15750 20060201 132.44 15691.03 15 No MI
83706 25850 20060201 258.46 25825.65 15.02999973 No MI
35810 15000 20060301 149.12 14990.47 20 No MI
30288 23750 20060301 254.4 23737.91 20 No MI
30906 24800 20060301 287.49 24790.2 20.02000046 No MI
60107 36600 20060301 363.85 36576.73 20 No MI
30035 35700 20060301 365.16 35462.01 20 No MI
89074 81000 20060201 864.48 80937.16 20 No MI
66071 27340 20060101 237.41 27289.69 20 No MI
92882 102000 20060201 981.02 101892.83 20 No MI
22601 42240 20060201 446.72 42206.3 20 No MI
76002 42427 20060201 428.27 42388.11 20 No MI
97229 38000 20060201 368.13 38000 10 No MI
85382 58000 20060201 613.39 57953.74 20 No MI
85260 82650 20060201 802.75 82565.49 15 No MI
30039 30950 20051101 309.5 30950 14.98999977 No MI
83687 30760 20060201 233.8 30702.24 20 No MI
30666 28800 20060201 313.2 28800 20 No MI
29575 25350 20060201 220.13 25315.15 15 No MI
30080 29600 20060201 249.98 29556.42 20.27000046 No MI
31525 27150 20060301 290.82 27136.17 19.97999954 No MI
76065 24500 20060301 260.06 24487.17 20 No MI
30038 48000 20060301 523.49 47976.9 20.01000023 No MI
30134 23600 20060301 225.65 23583.26 20 No MI
30291 47100 20051101 525.63 47035.42 20.01000023 No MI
30134 33950 20051101 345.96 33888.5 19.97999954 No MI
85382 65980 20060201 685.04 65924.34 20 No MI
30349 21200 20060101 218.07 21175.36 20.02000046 No MI
46143 36500 20060201 380.37 36469.55 19.96999931 No MI
10303 67600 20060101 592.74 67478.62 20 No MI
95991 94374 20060201 909.46 94275.38 20 No MI
64138 23400 20060201 241.6 23379.93 20 No MI
74128 24000 20060101 210.44 23956.9 20 No MI
21207 35000 20060201 307.15 34952.31 20 No MI
15690 17700 20060201 182.75 17684.82 20 No MI
92336 81000 20060101 672.25 80833.57 20 No MI
77539 31680 20060101 277.78 31623.12 20 No MI
73505 21500 20060301 230.3 21489.05 20.02000046 No MI
44137 24200 20060301 230.47 24182.64 20 No MI
84062 25200 20060301 248.12 25183.53 12.40999985 No MI
84107 26800 20060301 253.71 26780.47 20 No MI
80916 28600 20060301 254.42 28600 20 No MI
38585 21450 20060201 166.84 21424.57 20.03000069 No MI
37086 21000 20060301 167.09 20966.28 20 No MI
70791 26000 20060301 251.05 25728.68 20 No MI
37738 63000 20060301 501.26 62929.1 20 No MI
78023 26950 20060301 252.59 26929.83 19.98999977 No MI
77040 15900 20060301 181.19 15893.34 20 No MI
77459 31350 20060301 372.7 31338.65 19.97999954 No MI
77469 23550 20060301 227.4 23533.74 20 No MI
79720 15400 20060301 178.52 15393.92 20 No MI
43123 35000 20060301 328.04 34973.8 20 No MI
32825 35200 20060201 353.3 35167.18 20 No MI
34747 113000 20060301 1134.71 113000 20 No MI
20774 146450 20060301 1348.56 146450 18.13999939 No MI
75052 37450 20060301 325.2 37415.82 20.02000046 No MI
77083 20000 20060301 173.67 19981.75 15.5 No MI
46112 47700 20051101 513.72 45117.61 19.98999977 No MI
44691 29800 20060101 267.04 29696.34 20 No MI
33540 20000 20060301 212.29 19989.53 11.27000046 No MI
34715 42600 20060301 403.28 42568.98 20 No MI
32820 51200 20060301 523.7 51170.05 20 No MI
32746 39000 20060301 429.14 38981.74 20 No MI
32750 42000 20051101 440.12 41930.02 20.01000023 No MI
33437 96800 20060301 916.37 96729.5 20 No MI
33351 38000 20060201 394.54 37967.93 20 No MI
33756 40500 20060301 360.28 40500 15 No MI
33184 35000 20060301 354.64 34978.95 20 No MI
32303 30400 20060301 313.87 30382.71 20 No MI
33321 55400 20060301 498.51 55353.82 20 No MI
2723 66000 20060101 704.4 65931.34 20 No MI
3064 36000 20060101 312.61 35933.75 14.81000042 No MI
7111 58000 20060201 574.37 57943.86 20 No MI
6812 58700 20060201 536.96 58420.59 20 No MI
6484 42000 20060201 423.96 41961.42 15 No MI
48237 26000 20060201 209.21 25957.05 20 No MI
1970 56000 20060201 525 56000 20 No MI
7087 101000 20060101 1077.94 100894.94 20 No MI
7065 60212 20060201 602.03 60155.27 20 No MI
7003 68200 20060201 561.23 68200 20 No MI
44145 60000 20060201 518.75 58917.5 20 No MI
7747 32000 20060101 280.83 31942.64 10 No MI
21215 25000 20060201 247.4 25000 33.33000183 No MI
33624 37000 20060201 335.31 37000 20 No MI
11757 49900 20060201 524.99 49900 14.89999962 No MI
34221 45800 20060201 502.17 45767.33 19.92000008 No MI
95843 47000 20060201 515.33 46966.46 20 No MI
94803 110000 20060201 704.34 109707.25 19.46999931 No MI
95124 66500 20060201 436.86 66331.43 10 No MI
95472 163000 20060201 1003.62 162533.59 22.47999954 No MI
92346 81000 20060101 710.24 80854.54 20 No MI
55303 34800 20060201 286.38 34708.38 15 No MI
30189 26800 20060101 270.53 26766.6 20 No MI
33016 119000 20060201 1092.99 118858.42 20 No MI
55330 55000 20060201 452.6 55000 8.090000153 No MI
33063 96300 20060101 1016.58 96196.45 30 No MI
46239 40450 20060201 467.31 40408.94 19.98999977 No MI
33569 62000 20060101 597.91 61668.85 20 No MI
33035 30390 20060201 292.27 30268.13 20 No MI
55443 92000 20060201 776.25 92000 20 No MI
21702 52800 20060101 462.97 52705.19 20 No MI
33169 15000 20060201 144.56 14984.31 20 No MI
30067 45580 20060101 527.53 45411.97 20 No MI
91709 113000 20060201 1011.75 112807.62 20 No MI
34715 49400 20060201 446.9 49318.11 20 No MI
55124 72100 20060201 608.34 72100 20 No MI
1108 28000 20060101 232.38 27942.48 20 No MI
55033 34000 20060201 286.88 34000 20 No MI
92551 89600 20060101 901 89488.78 20 No MI
74107 18200 20060201 159.59 18175.58 20 No MI
44077 54000 20060201 446.63 54000 19.63999939 No MI
78754 33400 20060101 292.87 33340 20 No MI
90018 150000 20060201 1349.73 149811.71 20 No MI
27972 107800 20060301 1092.28 107735.19 20 No MI
64137 34500 20060101 328.29 34450.01 30 No MI
75075 36400 20060201 319.17 36351.18 20 No MI
90062 97000 20060101 763.1 96722.55 20 No MI
75662 17570 20060201 154.06 17546.44 20 No MI
95822 59600 20060101 518.64 59490.9 20 No MI
33033 55150 20060101 510.68 55063.65 20.04999924 No MI
40026 53000 20060101 464.73 52904.8 20 No MI
98375 60125 20060101 483.78 59985.22 27.18000031 No MI
93560 48000 20060201 486.36 47956.5 20 No MI
90303 105000 20060101 871.43 104784.28 20 No MI
78046 15880 20060101 139.25 15851.44 20 No MI
38242 26400 20060101 224.78 26224.2 30 No MI
92869 96000 20060101 771.75 95759.18 20 No MI
84302 28600 20060101 225 28533.44 20 No MI
97230 43000 20060101 409.18 42937.67 20 No MI
94533 73000 20060201 613.83 72891.41 20 No MI
90650 102000 20060101 839.13 101786.02 20 No MI
55106 31000 20060101 271.82 30794.13 13.35999966 No MI
89119 41750 20060101 321.03 41647.72 25 No MI
90712 119000 20060101 1043.43 118786.34 20 No MI
32835 54875 20060201 556.02 54825.26 20 No MI
66109 22500 20060101 228.43 22391.07 28.12999916 No MI
55411 33400 20060201 364.26 33375.01 20 No MI
89108 53000 20060101 488.78 52916.45 20 No MI
27284 35000 20060101 275.35 34843.51 20 No MI
27603 43980 20060101 345.99 43877.68 20 No MI
30088 21200 20060201 219.55 21126.33 20 No MI
90744 73200 20060101 641.85 73068.53 20 No MI
30078 55300 20060201 512.07 55235.59 20 No MI
98404 47000 20060101 344.55 46872.3 20 No MI
33323 61000 20060201 564.85 60928.96 20 No MI
33193 67600 20060101 575.83 67469.59 20 No MI
92610 108600 20060201 1038.33 108484.03 20 No MI
18103 26580 20060101 233.07 26532.24 20 No MI
98155 65000 20060201 560.84 64909.24 20 No MI
45424 24000 20060201 219.54 23971.13 15 No MI
27284 31560 20051201 304.36 31348.39 20 No MI
42701 25050 20060201 249.03 25026 15 No MI
7111 45000 20060101 433.97 44759.64 20 No MI
33025 56000 20060201 578.18 55951.97 20 No MI
44111 37000 20060201 346.78 36958.29 20 No MI
91801 66000 20060101 653.6 65914.38 20 No MI
55013 112500 20060201 904.4 112301.96 25 No MI
44256 70500 20060301 674.06 70448.14 15 No MI
2905 48000 20060101 516.02 47951.16 20 No MI
33133 85600 20060201 818.43 85508.57 20 No MI
46131 34200 20060201 339.99 34167.25 19.97999954 No MI
63304 67500 20060101 525.25 67339.02 30 No MI
37921 30000 20060101 255.25 29798.43 30 No MI
45244 24600 20060201 225.95 24570.72 20 No MI
30016 26699 20060101 274.63 26653.97 20 No MI
19468 31000 20060201 235.63 30941.76 20 No MI
18076 20632 20060201 147.82 20588 9.909999847 No MI
19335 41250 20060201 299.1 41164.25 15 No MI
19023 22000 20060201 180.99 21957.39 20 No MI
8081 67500 20060201 543.13 67331.65 21.84000015 No MI
8302 13400 20051201 126.35 13374.99 20 No MI
8094 22000 20060101 219.97 21972.22 20 No MI
8312 19200 20051201 166.73 19155.63 20 No MI
8302 10000 20060101 78.68 9976.69 21.28000069 No MI
8063 23600 20060101 204.94 23556.54 20 No MI
8104 14200 20060101 133.9 14171.98 20 No MI
8302 10000 20060101 78.68 9976.69 21.28000069 No MI
8302 12000 20060201 118.84 11988.37 20 No MI
8302 12000 20060201 118.84 11988.37 20 No MI
8302 33100 20060201 312.1 33063.28 19.95000076 No MI
8753 39750 20051201 337.88 39653.21 15 No MI
8753 32250 20060201 331.73 31048.72 15 No MI
29020 10000 20051201 99.03 9983.7 18.35000038 No MI
29485 35400 20051201 278.49 35296.64 20 No MI
29483 40798 20051201 404.02 40731.54 20 No MI
18702 15000 20060101 154.38 14843.19 20 No MI
29064 27975 20060201 255.9 27941.35 15 No MI
29407 27000 20060201 287.94 26911.59 15 No MI
33881 21400 20060101 185.83 21360.6 20 No MI
30039 25800 20060101 287.92 25776.65 20 No MI
29485 27700 20060101 245.65 27651.67 20 No MI
34956 21000 20060201 216.01 20981.79 10 No MI
18301 50000 20060201 429.58 48992.31 20 No MI
34983 140400 20060201 1417.22 140271.33 26 No MI
32976 34800 20060201 344.63 34740.43 10 No MI
32778 34080 20060201 347.28 34049.61 15.01000023 No MI
33990 154000 20060201 1554.5 153858.88 28 No MI
17701 10000 20060201 91.48 9987.96 16.67000008 No MI
32092 73500 20060201 693.03 73418.45 14.97999954 No MI
7307 74250 20060101 778.07 74168.36 15 No MI
7422 45600 20060201 383.43 45532.17 20 No MI
8869 114000 20060201 896.84 113801.79 27.79999924 No MI
7462 57000 20051201 463.78 56845.77 20 No MI
7422 52550 20051201 441.87 52418.69 21.10000038 No MI
7109 95000 20060101 977.19 94889.6 20 No MI
8812 42000 20060101 368.59 41924.71 15 No MI
7108 26250 20060101 259.96 26215.92 15 No MI
7080 43290 20060101 344.44 43191.83 15 No MI
7201 25000 20060101 238.09 24963.81 10 No MI
7114 105000 20051201 1069.96 104842.43 19.73999977 No MI
7029 108000 20060101 987.92 107826.05 20.19000053 No MI
7016 96000 20060201 721.22 95815.08 20 No MI
7102 95250 20060201 880.21 95138.46 15 No MI
7306 25000 20060101 219.4 24955.17 5 No MI
7205 49000 20060201 381.12 48912.58 14.89000034 No MI
8520 46350 20060101 389.74 46257.71 14.71000004 No MI
7031 36000 20060201 276.81 35934.11 10 No MI
7755 25500 20060201 196.08 25449.37 10 No MI
7047 69000 20060201 657.11 68892.02 14.52999973 No MI
7033 65000 20060201 582.47 64917.52 14.85000038 No MI
7102 95000 20060201 816.2 94865.94 14.96000004 No MI
7102 96750 20060201 840.13 96617.04 15 No MI
18102 43000 20060101 334.45 42897.35 20 No MI
18042 29680 20060201 255 29638.11 20 No MI
17404 18600 20051201 146.33 18333.65 20 No MI
18103 66600 20051201 518.01 66400.53 20 No MI
33811 54980 20060101 599.61 54926.52 20 No MI
18510 18346 20051201 167.82 18308.89 20 No MI
77396 24258 20060101 212.71 24214.42 20 No MI
30052 35200 20060201 345.9 35165.17 20 No MI
77047 21980 20060201 192.73 21950.51 20 No MI
74037 42750 20060201 374.85 42692.66 20 No MI
75052 28498 20060101 249.88 28446.83 20 No MI
31602 40000 20060201 403.39 39853.54 20 No MI
7032 81000 20060201 820.73 80926.32 20 No MI
30038 80000 20060201 770.94 79916.41 20 No MI
15215 21150 20060101 209.46 21042.57 15 No MI
18015 24000 20051201 244.57 23963.95 20 No MI
18103 10000 20060101 98.08 9986.66 21.60000038 No MI
17404 13000 20060101 102.28 12772.73 20 No MI
18103 33000 20060101 256.68 32921.19 15 No MI
7071 79000 20060201 600.46 78851.65 20 No MI
19145 14800 20060201 128.52 14779.65 9.550000191 No MI
1876 81580 20051201 634.53 81263.17 20 No MI
7002 78000 20060201 687.39 77896.72 20 No MI
17315 30600 20060101 291.18 30555.65 20 No MI
1821 51600 20051201 457.61 51436.1 20 No MI
33905 61000 20060201 583.23 60934.04 20 No MI
98550 32750 20060101 275.38 32637.92 25 No MI
33971 57750 20060201 585.15 57697.67 20 No MI
33909 48392 20060201 451.73 48336.85 20 No MI
77067 17000 20060201 149.07 16977.18 20 No MI
6851 71000 20060201 670.79 70921.67 20 No MI
53150 85000 20060101 714.73 84672.87 25 No MI
21133 34500 20060101 335.45 34107.15 15 No MI
98022 35000 20060201 311.04 34954.62 20 No MI
10566 80000 20060101 746.79 79877.88 20 No MI
40509 26380 20060201 267.3 26356.08 20 No MI
44026 55000 20060101 462.47 54890.5 19.86000061 No MI
77708 19000 20060201 168.85 18975.37 20 No MI
38016 38780 20060101 302.6 38589.95 20 No MI
30064 40100 20060201 391 40059.44 20 No MI
20744 45000 20060201 450.79 44833.05 20 No MI
91306 119800 20060101 1050.45 119584.88 20 No MI
32839 43000 20060101 361.26 42914.18 20 No MI
92253 62500 20060201 562.39 62421.54 10 No MI
19709 27200 20060201 251.36 27168.14 20 No MI
7060 101500 20060201 825.84 101336.71 29 No MI
21639 41000 20060201 390.46 40936.37 20 No MI
7106 53800 20060201 517.44 53743.47 20 No MI
7106 73000 20060201 736.87 72933.12 20 No MI
7607 93000 20060201 885.67 92899.58 20 No MI
34769 71050 20060201 610.43 70949.74 19.98999977 No MI
8753 70350 20060201 540.94 70221.21 15 No MI
19446 14600 20060101 110.98 14563.28 10 No MI
19144 12000 20060101 130.41 11988.18 15 No MI
19406 54480 20060101 448.2 54365.68 20 No MI
19468 34950 20060201 313.19 34905.65 15 No MI
7930 71250 20060101 618.7 71114.94 15 No MI
19134 10000 20060201 90.55 9978.09 15.38000011 No MI
1506 31800 20060201 322.22 31771.16 20 No MI
38127 18200 20060301 144.81 18179.51 20 No MI
38671 25150 20060201 231.59 25150 19.95999908 No MI
75052 19200 20051001 168.36 19107.58 20 No MI
55379 84000 20051201 665 84000 12.17000008 No MI
11946 105000 20060201 1104.35 104509.68 20 No MI
62258 32200 20060201 343.66 31888.13 19.97999954 No MI
48187 110200 20060201 865.53 110200 19.98999977 No MI
60425 36000 20060301 371.69 35979.52 20 No MI
7077 41750 20051101 389.73 41653.54 16.37000084 No MI
48240 25000 20060301 211.13 24975.56 20 No MI
94541 91000 20051101 732.21 90696.09 20 No MI
63020 15850 20060201 139.1 15828.77 19.95999908 No MI
11704 80651 20051101 829.59 80509.01 20 No MI
44001 29000 20060201 278.92 28969.52 20 No MI
33013 66000 20051201 567.05 65485.13 20 No MI
43040 30000 20060201 297.09 29970.96 20 No MI
7055 97400 20051101 1122.39 96010.32 20 No MI
15108 26800 20060201 265.4 26703.85 20 No MI
48438 39000 20060201 410.19 38968.35 20 No MI
55443 70000 20051101 770.76 69564.69 20 No MI
6260 45000 20060101 487.16 44565.41 20 No MI
32244 27800 20060201 313.89 27719.3 20 No MI
37323 45000 20060201 382.87 44775.74 30 No MI
85335 53000 20060101 504.33 52923.2 20 No MI
48309 61500 20060201 450.84 61375.11 30 No MI
2910 56000 20060101 539.11 55921.39 20 No MI
30273 29200 20060101 300.36 29166.06 20 No MI
33193 77800 20060201 764.52 77723.01 20 No MI
33185 102000 20060201 802.44 101822.64 20 No MI
75134 33400 20060201 292.87 33355.19 20 No MI
33054 30000 20060201 258.85 29958.11 20 No MI
33033 49400 20060201 433.16 49333.74 19 No MI
89104 58000 20060201 448.03 57894.91 25 No MI
21222 29980 20060101 235.86 29910.21 20 No MI
91733 82950 20060101 852.6 82803.64 15 No MI
95961 70987 20060101 676.03 70884.33 20 No MI
11729 96000 20051101 987.47 95831.01 20 No MI
33137 25000 20060101 243.77 24966.12 10 No MI
33032 48000 20060201 405 48000 20 No MI
60073 45600 20060201 497.31 45566.92 20 No MI
33157 78000 20051101 802.32 77862.68 20 No MI
33016 33600 20051001 261.94 33458.79 20 No MI
13495 17172 20060101 150.57 17140.3 20 No MI
37381 15800 20060101 134.43 15694.35 20 No MI
95355 55000 20060101 534.2 54924.66 14.59000015 No MI
34983 41600 20051001 380.54 41421.73 20 No MI
63121 22500 20060201 191.72 22388.14 30 No MI
32826 25000 20060201 215.71 24931.23 20 No MI
33351 47800 20051101 446.21 47689.54 20 No MI
89506 48900 20060101 376 48780.24 20 No MI
33615 25800 20060201 275.36 25779.96 20.02000046 No MI
10977 79000 20060101 692.7 78643.63 20 No MI
33428 48180 20060201 473.45 48132.33 20 No MI
48317 25500 20051101 211.64 25417.37 15 No MI
33321 24000 20060201 186 24000 10 No MI
1109 34000 20060101 349.73 33960.49 20 No MI
85207 57500 20060101 473.04 57379.37 21.95000076 No MI
56301 28020 20060101 268.96 27980.35 30 No MI
33071 76000 20051001 732.92 75280.7 20 No MI
33442 41000 20060301 415.98 41000 20 No MI
91730 81000 20060101 710.24 80854.54 20 No MI
33186 65000 20060201 753.48 64961.31 20 No MI
49508 29780 20060101 283.38 29736.84 20 No MI
12550 58000 20051001 607.78 56401.66 20 No MI
19446 36950 20060201 381.5 36918.3 19.98999977 No MI
92394 40500 20051001 385.85 40396.16 15 No MI
93591 47000 20060101 460.07 46937 20 No MI
34981 58850 20060201 613.28 58800.91 20.01000023 No MI
33409 42000 20060101 368.27 41924.58 20 No MI
23456 90280 20051101 842.75 90048.9 20 No MI
98409 29400 20060201 261.27 29361.9 20 No MI
34120 76000 20060201 786.92 76000 20.01000023 No MI
33181 36000 20060101 289.67 35920.42 20 No MI
33428 85000 20060201 841.75 84917.71 20 No MI
84104 23980 20060101 210.27 23936.18 20 No MI
32321 30400 20060201 313.87 30373.93 20 No MI
33470 80000 20051001 643.7 79687.13 20 No MI
76208 23587 20060201 206.82 23555.36 20 No MI
33617 23000 20060201 255.33 22979.1 20 No MI
95823 85000 20060101 745.31 84847.37 20 No MI
75407 27537 20060201 241.46 27500.05 20 No MI
32312 32600 20060201 349.2 32307.18 20 No MI
30179 44000 20060201 479.86 43968.08 20 No MI
7086 35000 20060101 306.9 34937.13 20 No MI
48629 18750 20060201 186.4 18732.03 15 No MI
34947 23200 20060201 245.81 23181.58 20 No MI
32208 60000 20060201 562.35 59904.45 20 No MI
28590 36000 20060201 371.69 35969.12 20 No MI
12839 24200 20060101 245.69 24082.84 20 No MI
29045 31000 20051101 309.5 30765.43 20 No MI
48507 12750 20060201 136.58 12740.19 20.02000046 No MI
92410 71200 20051201 624.31 71039.5 20 No MI
33024 55500 20060201 520.17 55437.43 20 No MI
92507 80400 20060101 723.38 79913.04 20 No MI
32137 32650 20060201 343.41 32623.48 14.97999954 No MI
1844 105000 20060101 1012.58 100355.42 20 No MI
98404 63000 20060101 506.92 62860.76 30 No MI
89027 64800 20051201 622.01 64684.84 18 No MI
6513 54600 20060101 574.27 54461.84 20 No MI
33177 45000 20060101 416.69 44929.82 20 No MI
33412 100000 20051201 958.41 98582.89 18.52000046 No MI
64015 41550 20060101 349.38 41466.63 30 No MI
95207 34600 20060101 338.69 34553.62 20 No MI
76112 23380 20060201 205.01 23348.63 20 No MI
33778 72000 20051201 596.25 71813.37 30 No MI
33172 45000 20051201 352.41 44867.29 20 No MI
98404 34600 20060101 290.94 34531.1 20 No MI
7001 67000 20051201 702.09 66907.48 20 No MI
34606 36600 20060201 384.95 36570.3 20 No MI
45239 21600 20060101 222.18 21574.91 19.90999985 No MI
30141 27180 20060101 295.5 27065.4 20 No MI
11226 87000 20060201 921.77 86930.98 20 No MI
76016 31300 20060101 274.45 31218.03 20 No MI
91706 97000 20060101 935.43 96481.96 20 No MI
44052 23600 20051201 242.76 23565.52 20 No MI
66048 60000 20060101 436.09 59834.01 30 No MI
33415 68000 20060101 634.77 67896.21 20 No MI
33603 44000 20060101 408.71 43748.21 20 No MI
33196 39200 20060101 343.72 39129.61 20 No MI
33054 35000 20060201 330.68 34944.83 20 No MI
75604 25400 20060101 222.72 25354.38 20 No MI
33486 39000 20060101 304.04 38693.21 20 No MI
77338 23398 20060101 205.17 23355.95 20 No MI
33167 33000 20060201 321.77 32966.63 20 No MI
33193 44000 20060101 385.81 43920.98 20 No MI
78251 25400 20060101 222.72 25354.38 20 No MI
33317 50400 20060201 442.3 50332.54 20 No MI
55369 49200 20060101 431.41 49111.63 20 No MI
32738 46600 20060201 422.79 46542.74 20 No MI
8505 90000 20060101 908.47 89889.5 30 No MI
30004 115700 20060201 932.83 115565.12 15 No MI
95842 59320 20060101 610.18 59251.06 20 No MI
30248 39050 20060201 403.18 39016.51 20 No MI
20716 49000 20051201 406.67 48843.22 20 No MI
44144 17980 20060201 169.74 17960.11 20 No MI
30620 37650 20060201 352.88 37607.53 19.98999977 No MI
11717 62540 20060101 603.11 62206.01 20 No MI
44035 17000 20060101 149.07 16969.45 20 No MI
30034 53000 20060201 511.76 52944.89 20 No MI
33321 72400 20060101 634.83 72269.98 19.88999939 No MI
44028 59000 20060101 597.82 58919.49 20 No MI
2124 97800 20060201 858.27 97669.11 20 No MI
89107 61750 20060101 496.41 61613.28 25 No MI
90631 111000 20060101 933.35 110778.99 20 No MI
20720 98000 20060101 1000.42 98000 20 No MI
91752 77000 20060101 675.17 76861.71 20 No MI
33181 33000 20060101 288.38 32940.24 20 No MI
8611 25400 20060201 220.66 25400 20.02000046 No MI
33018 57000 20060101 538.53 56915.74 20 No MI
89142 59800 20060201 574.02 59736.81 20 No MI
43227 22000 20060201 213.68 21977.5 20 No MI
33063 64000 20060101 633.79 63916.99 20 No MI
92831 142500 20060101 1095.71 142137.93 21.92000008 No MI
33033 64200 20060201 582.47 64121.11 20 No MI
92586 71000 20060201 730.32 70938.43 20 No MI
27587 16000 20060201 170.77 15987.56 20 No MI
91331 61000 20060101 490.38 60864.94 20 No MI
24422 47000 20060201 512.58 46965.89 20 No MI
77384 59900 20060201 525.23 59819.65 20 No MI
77050 17000 20051001 136.79 16933.49 20 No MI
77545 25100 20060201 259.15 25078.47 19.97999954 No MI
33126 39000 20060101 341.97 38929.96 20 No MI
34667 56374 20060101 443.5 56242.82 19.89999962 No MI
77539 26012 20060101 228.09 25965.26 20 No MI
15017 29800 20060201 326.57 29203.81 20 No MI
34120 66000 20060101 578.71 65881.49 20 No MI
33319 50000 20051101 457.37 49878.15 20 No MI
30141 23000 20060101 217.3 22966.01 20 No MI
1749 25000 20060201 258.7 24957.87 20.02000046 No MI
32742 30000 20060101 231.47 29927.06 20 No MI
33165 72000 20051001 631.32 71770.9 20 No MI
20785 60200 20060201 724.44 59836.58 20 No MI
33811 35000 20060101 294.05 34927.25 20 No MI
33010 56800 20060101 504.77 56701.41 20 No MI
21236 63000 20051001 576.29 62820.06 20 No MI
29212 33050 20060201 344.42 33022.42 19.97999954 No MI
30135 26400 20051001 277.01 26187.52 20 No MI
38016 39800 20060101 310.56 39705.63 20 No MI
29072 25450 20060201 272.61 25430.46 20.02000046 No MI
89129 73000 20060101 574.3 72830.13 20 No MI
30047 33200 20060201 308.39 33058.07 20 No MI
40515 50000 20060201 422.26 49926.39 20 No MI
64062 21300 20060101 176.78 21256.22 20 No MI
30318 33000 20060201 315.52 32964.75 20 No MI
47129 16500 20060201 164.03 16484.19 20 No MI
33150 33000 20060101 284.74 32938.29 20 No MI
18020 27850 20060201 287.55 27826.09 20 No MI
33186 54200 20060101 436.11 54080.22 20 No MI
78043 22340 20060101 195.89 22299.86 20 No MI
34652 24000 20060101 189.67 23944.72 20 No MI
20708 50000 20051001 514.4 49490.74 19.69000053 No MI
32225 55000 20060201 525.86 54866.44 20.01000023 No MI
6106 54000 20060101 518.34 53920.26 20 No MI
80249 27650 20060201 282.29 27625.48 20 No MI
48092 33400 20060101 268.75 33326.18 20 No MI
8054 24525 20051001 224.34 24448.34 15 No MI
11010 67500 20060101 630.1 67396.98 15 No MI
80911 33000 20060201 353.48 32974.67 20 No MI
11224 54000 20051001 539.13 53521.17 10 No MI
75054 40016 20060101 350.88 39842.02 20 No MI
55101 22700 20060201 197.12 22668.79 10 No MI
2124 97000 20060101 850.53 96825.83 20 No MI
92407 67000 20060101 645.67 66906.19 20 No MI
88030 30300 20060201 314.59 30274.03 20 No MI
77469 36167 20060101 317.13 36102.04 20 No MI
92708 130600 20060101 1145.15 130365.48 20 No MI
2907 44500 20051001 457.74 44408.09 20 No MI
85085 76000 20060201 858.57 75950.74 20 No MI
33334 42800 20051001 364.15 42295.41 20 No MI
76088 29580 20060201 259.37 29540.31 20 No MI
43046 42400 20060201 405.39 42354.72 20 No MI
22193 65180 20060101 669.2 65103.83 20 No MI
24077 70000 20051101 720.03 69876.78 25 No MI
11580 71000 20060101 661.55 70891.07 14.78999996 No MI
99201 29000 20060301 244.91 28971.65 20 No MI
68516 35600 20060101 312.16 35536.05 20 No MI
44123 25400 20051001 237.11 25331.2 20 No MI
53215 47100 20060101 461.05 47036.86 30 No MI
80401 37000 20060201 427.45 36977.71 20 No MI
91911 140000 20060101 1227.57 139748.6 20 No MI
53218 30900 20051001 318.74 30642.78 30 No MI
98273 35800 20060101 281.64 35716.7 20 No MI
84043 42000 20060301 401.57 41970.22 20 No MI
98208 60998 20051201 627.44 60908.94 20 No MI
97229 53000 20060101 455.36 52899.85 20 No MI
80814 19000 20060201 167.45 18974.83 10 No MI
99324 87900 20051201 904.15 87771.71 30 No MI
33463 69400 20051101 541.02 69150.98 20 No MI
80814 50800 20060201 510.12 50619.33 20 No MI
33169 65140 20060101 571.17 65023.03 20 No MI
55044 37500 20060101 328.82 37288.49 15 No MI
80020 41000 20060201 353.76 40942.75 20 No MI
98023 35800 20060101 368.25 35758.38 20 No MI
80004 52000 20060201 448.68 51927.05 20 No MI
33837 49200 20060101 393.76 49089.9 19.92000008 No MI
32244 44400 20051001 346.13 44213.44 15 No MI
80110 31000 20060201 261.8 30954.37 20 No MI
63010 55500 20060101 436.62 55370.86 30 No MI
92806 124000 20060101 1313.84 123448.85 20 No MI
80129 66600 20060201 687.63 66542.87 20 No MI
92104 48000 20060101 385.88 47893.68 20 No MI
32225 23180 20060201 212.91 23152.4 20 No MI
80130 71200 20060201 721.43 71135.47 19.98999977 No MI
6277 77300 20060101 721.59 77181.99 20 No MI
30045 35200 20060101 356.67 35157.23 20 No MI
80003 64000 20060301 648.48 63961.52 20 No MI
33185 102000 20060101 917.72 101382.21 20 No MI
70611 25600 20060201 263.33 25577.79 20 No MI
32825 42000 20060101 387.39 41753.96 20 No MI
37803 94500 20060101 748.34 93791.86 30 No MI
37115 14150 20060201 112.59 14126 19.96999931 No MI
85338 59000 20060201 597.82 58946.52 20 No MI
75180 25418 20060101 222.88 25372.33 20 No MI
94523 60800 20051001 579.02 60636.91 19 No MI
37207 40000 20060201 318.26 39932.22 20 No MI
76248 38368 20060101 308.72 38283.2 20 No MI
37214 22400 20060201 178.23 22362.03 20 No MI
34479 19000 20060101 159.77 18962.14 20 No MI
48312 79000 20051201 737.45 78848.6 20 No MI
37174 20800 20060201 161.79 20762.86 10 No MI
33312 60000 20060101 497.96 59876.72 20 No MI
33351 63000 20051101 513.73 62796.02 20 No MI
99301 22250 20060101 201.54 22194.83 25 No MI
37214 17600 20060201 140.04 17570.16 20.02000046 No MI
65714 60000 20060101 497.96 59876.72 20 No MI
33014 86000 20051101 829.35 84267.91 20 No MI
30043 36200 20060201 355.73 36164.17 20 No MI
71106 62300 20060201 569.89 62225.06 20 No MI
32817 38000 20060101 333.2 37931.76 20 No MI
33319 25000 20051001 207.49 24909 20 No MI
74055 20720 20060101 181.68 20682.47 20 No MI
37206 24300 20060201 193.35 24258.81 20 No MI
33330 50000 20060201 478.06 49946.58 20 No MI
32712 70000 20060101 586.05 69859.15 20 No MI
37115 20000 20060201 159.13 19966.11 18.18000031 No MI
30038 37800 20060101 304.15 37716.47 20 No MI
33428 51000 20051201 438.17 50879.08 20 No MI
77339 26500 20060101 232.36 26452.42 20 No MI
37189 32700 20060201 254.34 32628.84 20.01000023 No MI
2148 94000 20060101 966.9 93793.76 20 No MI
11691 67400 20051001 616.54 67207.48 20 No MI
76012 39500 20060101 346.35 39429.07 20 No MI
70819 16600 20060201 171.39 16585.76 20 No MI
29229 35500 20060101 342.35 35133.54 20 No MI
33189 73000 20051001 645.11 72192.79 20 No MI
73439 24000 20060201 231.45 23904.26 20 No MI
37013 20700 20060201 164.7 20664.92 19.98999977 No MI
7601 75000 20060101 751.31 74627.39 20 No MI
93930 91000 20060101 795.23 90835.2 20 No MI
64870 12800 20060201 132.16 12789.01 20 No MI
33065 38980 20051001 341.79 38855.97 20 No MI
33470 81000 20060101 672.25 80832.81 20 No MI
70806 25950 20060201 248.11 25909.76 19.97999954 No MI
48219 31980 20060101 328.95 31942.85 20 No MI
37013 26850 20060301 198.58 26850 20.02000046 No MI
33141 60000 20051101 617.17 59891.51 20 No MI
60617 27600 20060201 253.5 27567.16 20 No MI
37174 47000 20060201 373.96 46920.34 20.01000023 No MI
37086 25900 20060201 206.08 25856.09 20 No MI
71342 11500 20060201 123.19 11491.15 18.70000076 No MI
33428 88000 20051001 771.62 87719.95 20 No MI
44107 65700 20060101 519.21 65548.71 30 No MI
37208 15950 20060201 126.91 15922.96 19.95999908 No MI
33016 33000 20060101 277.49 32934.26 20 No MI
33417 34400 20051001 353.85 34328.94 20 No MI
38301 19800 20060201 157.54 19766.45 20 No MI
6457 26800 20060101 265.2 26765.14 20 No MI
37122 70150 20060201 558.15 70031.13 19.98999977 No MI
30032 31000 20051001 257.28 30887.23 20 No MI
33026 44000 20060101 385.81 43920.98 20 No MI
37069 89800 20060201 664.15 89766.79 20 No MI
85901 34639 20051201 303.73 34560.9 20 No MI
11412 55000 20051001 513.42 54851.07 14.47000027 No MI
70805 15000 20060201 164.12 14949.78 20 No MI
64014 27000 20060101 236.75 26951.25 20 No MI
30045 35580 20051001 365.98 35506.09 20 No MI
78640 33000 20060201 366.34 32726.75 20.01000023 No MI
92407 58000 20060101 530.55 57905.95 20 No MI
78046 20800 20060201 180.62 20771.41 20 No MI
78108 29650 20060201 257.47 29609.23 19.98999977 No MI
44143 35400 20060101 275.97 35315.89 20 No MI
77377 30600 20060201 264.03 30520.99 20.04999924 No MI
94564 122000 20060101 981.64 121730.43 20 No MI
68104 24980 20060301 266.61 24967.13 20 No MI
44094 32000 20051201 363.51 31641.27 20 No MI
60426 25000 20060201 267.79 24980.81 20 No MI
89108 65000 20051201 686.16 64912.2 25 No MI
44129 29400 20051001 302.42 29339.26 20 No MI
30092 22600 20060101 196.67 22558.61 20 No MI
73099 26000 20060201 278.5 25980.05 20 No MI
2907 53600 20060101 469.99 53503.72 20 No MI
33196 39600 20051101 318.63 39467.76 20 No MI
80603 20000 20060201 193.12 19664.45 5.96999979 No MI
31907 35000 20060101 290.48 34926.5 20 No MI
33460 46000 20051101 424.29 45596.98 20 No MI
79416 17900 20060201 207.5 17889.34 20 No MI
77449 28000 20060301 273.02 27981.21 20 No MI
30043 35300 20060101 292.97 35227.47 20 No MI
77072 24600 20060201 213.62 24456.04 20 No MI
7863 82000 20060101 832.49 81603.08 20 No MI
78213 33600 20060301 353.4 33581.91 20 No MI
75023 26400 20060101 231.49 26352.57 20 No MI
92551 84000 20060101 736.54 83849.17 20 No MI
79416 17000 20051001 155.51 16951.42 20 No MI
78230 31200 20060201 322.13 31159.25 20 No MI
28164 92000 20060101 723.77 91629.98 20 No MI
33323 64000 20051101 508.07 63779.55 20 No MI
73115 17600 20060201 181.72 17584.88 20 No MI
6608 53280 20051101 487.38 53150.11 20 No MI
75149 21400 20060101 187.65 21371.29 20 No MI
74012 20000 20060201 206.5 19982.83 21.82999992 No MI
90044 99000 20060101 868.07 98822.22 20 No MI
92880 109000 20051001 948.51 108646.51 20 No MI
75146 24300 20060201 250.89 24279.15 19.96999931 No MI
75604 17100 20060101 149.94 17069.29 20 No MI
33065 35000 20051001 287.94 34869.99 20 No MI
78227 20350 20060201 198.43 20319.22 19.95000076 No MI
74129 20000 20051101 165.99 19937.84 20 No MI
77532 19600 20060201 194.85 19581.22 20 No MI
73130 33650 20060201 321.73 33614.06 19.98999977 No MI
78130 18400 20060201 189.98 18374.61 20 No MI
55398 46700 20051001 387.58 46530.1 20 No MI
77084 25600 20060201 222.3 25564.81 20 No MI
53578 35700 20060301 337.96 35674 20 No MI
33073 72000 20051001 605.42 71746.09 20 No MI
75134 52400 20060201 520.92 52349.81 20 No MI
33068 46800 20051101 410.36 46672.88 20 No MI
75050 16500 20060201 191.27 16490.17 20 No MI
32224 107618 20060101 1104.91 107492.25 20 No MI
32034 39000 20060101 357.5 38997.88 20 No MI
33319 38800 20051101 354.92 38705.43 20 No MI
31535 26600 20060201 307.3 26339.88 20 No MI
8048 17850 20051201 175.07 17820.1 15 No MI
8108 30700 20060101 263.77 30628.46 20 No MI
8226 40000 20060201 340.83 39801.18 6.760000229 No MI
8007 44400 20060201 469.57 44364.55 20.01000023 No MI
19002 25522 20051201 247.89 25478.08 20 No MI
8203 206250 20060201 2121.52 206071.16 25 No MI
30331 27200 20051201 282.41 27132.53 20 No MI
18324 22800 20051201 270.16 22778.7 20 No MI
8201 49500 20051201 411.72 49141.1 15 No MI
8406 47850 20051201 355.29 47554.46 15 No MI
8069 27000 20051201 234.46 26906.54 20 No MI
7504 48750 20051201 534.52 48691.39 15 No MI
19720 25000 20060101 271.68 24975.4 25 No MI
32712 46702 20060201 501.87 46361.11 15 No MI
7522 82000 20060101 931.18 81929.96 20 No MI
76031 17700 20060101 205.09 17547.14 20 No MI
32825 30400 20060101 261.19 30342.54 20 No MI
32738 22455 20060101 168.7 22365.61 15 No MI
85041 35100 20060101 286.22 35024.82 20.17000008 No MI
19082 21250 20060201 198.37 21221.83 25 No MI
77459 45275 20060101 396.99 45193.69 20 No MI
19805 44600 20060101 469.09 44551.08 20 No MI
33711 21000 20060101 180.89 20960.56 20 No MI
98055 50645 20060101 444.08 50554.02 20 No MI
1880 102000 20060201 898.9 101864.93 20 No MI
19146 28000 20051201 298.84 27963.38 20 No MI
8104 15960 20051201 171.89 15939.69 19 No MI
21230 70000 20060101 726.78 69878.21 20 No MI
8721 20800 20060101 165.5 20752.81 10 No MI
8873 18500 20051201 145.54 18446 10 No MI
8087 35000 20060101 262.95 34760.05 10 No MI
8234 115000 20060101 823.88 114667.63 20 No MI
17025 13950 20060101 143.5 13933.76 15 No MI
77459 31215 20060101 273.71 31156 10 No MI
7730 40500 20060201 432.24 40468.59 15 No MI
8081 54600 20060101 558.94 54339.97 28 No MI
93550 74400 20060101 625.6 74251.85 19.07999992 No MI
29579 85600 20060101 824.91 85480.18 20 No MI
75132 27173 20060101 238.27 27124.17 20 No MI
33025 78000 20060201 766.49 77922.8 20 No MI
76179 38000 20060201 333.2 37915.29 20 No MI
30093 31000 20060201 338.09 30977.5 20 No MI
75166 35200 20060101 308.65 34832.41 20 No MI
74429 62000 20060101 514.56 61872.61 20 No MI
30310 26000 20060201 248.59 25972.23 20 No MI
34952 37000 20060101 374.9 36955.06 20 No MI
6710 39000 20060201 356.75 38953.09 16.95999908 No MI
55406 43000 20060201 345.68 42928.86 20 No MI
92881 111000 20060101 1206.77 110532.08 20 No MI
30666 63000 20060201 638.35 62940.56 20 No MI
75070 42580 20060101 373.36 42503.52 20 No MI
33177 56000 20060201 529.08 55938.2 20 No MI
28215 30900 20060101 317.85 30864.06 20 No MI
92553 60600 20060101 502.94 60475.5 20 No MI
77304 28634 20060101 251.08 28582.56 20 No MI
76116 18915 20060101 152.2 18873.18 20 No MI
19074 29400 20060101 283.53 29240.91 15 No MI
8520 79000 20060101 812.61 78908.19 20 No MI
95815 53800 20060101 419.41 53672.22 20 No MI
93638 77000 20060101 733.29 76888.65 20 No MI
98126 52400 20060101 459.46 52305.92 20 No MI
91765 116000 20060101 920.87 115735.61 20 No MI
32312 42000 20060101 330.42 41902.26 20 No MI
92804 106000 20060101 981.53 105834.69 20 No MI
32208 26400 20060101 219.11 26345.73 20 No MI
33461 36000 20051001 370.3 35925.08 20 No MI
75013 64359 20060101 564.32 64134.61 20 No MI
30078 36600 20060201 355.49 36562.56 20.01000023 No MI
6902 92400 20060101 872.98 92263.43 20 No MI
11516 87000 20060201 884.86 86916.79 20 No MI
28174 25750 20060201 246.2 25722.49 20 No MI
98312 59860 20051201 496.8 59705.65 20 No MI
30228 32450 20060201 376.16 32430.68 19.97999954 No MI
6705 44980 20051001 495.27 44652 20 No MI
77581 32000 20060101 267.91 31935.51 20 No MI
33166 43400 20060201 406.44 43350.96 20 No MI
31206 21000 20060201 216.01 20981.79 20 No MI
84128 32600 20050901 310.46 32503.95 20 No MI
34655 110400 20051201 922.67 110120.09 30 No MI
98168 43000 20060101 419.28 42941.73 20 No MI
20603 77000 20060201 824.78 76940.92 20 No MI
8065 85500 20051201 875.26 84988.73 30 No MI
97266 36800 20060101 387.05 36759.99 20 No MI
36867 29000 20060201 277.27 28969.03 20 No MI
76266 21598 20060101 189.38 21559.2 20 No MI
35803 28000 20060301 236.47 27972.61 20 No MI
33055 43980 20060101 379.48 43896.7 20 No MI
35630 30400 20060201 279.22 30321.9 14.01000023 No MI
11793 55000 20060101 462.47 54890.5 11 No MI
18045 56000 20051001 559.1 55446.22 20 No MI
63136 25500 20060101 223.6 25454.18 30 No MI
30168 28080 20060201 281.97 28080 20 No MI
27052 25001 20060101 243.78 24965.89 21.54999924 No MI
7055 35000 20050901 355.33 34655.02 10 No MI
35603 16000 20060201 146.96 15980.96 20 No MI
33324 53000 20060201 530.93 52950.35 20 No MI
76248 29000 20060201 254.29 28961.09 20 No MI
92020 54900 20060101 461.63 54790.7 18 No MI
33024 35280 20051101 283.87 35162.2 20 No MI
31216 18300 20060201 190.71 18284.73 20 No MI
19720 30000 20051001 284.57 29922.15 20 No MI
33326 48600 20060101 391.05 48492.6 20 No MI
34741 57000 20060201 588.51 56849.6 20 No MI
33180 31000 20060101 257.28 30936.31 10 No MI
35071 38000 20060201 392.34 37967.41 20 No MI
33323 58800 20050901 548.89 58617.22 20 No MI
33068 53000 20060101 436.02 52888.81 20 No MI
30045 44000 20060201 437.41 43957.87 20 No MI
33993 70000 20060101 580.96 69856.16 20 No MI
30013 31900 20060301 287.05 31873.4 18.44000053 No MI
16125 16600 20051001 151.85 16534.1 20 No MI
6239 45380 20060101 376.63 45286.75 20 No MI
33068 39000 20060101 341.97 38929.96 20 No MI
28754 44700 20060201 444.37 44657.19 20 No MI
33160 64000 20060101 561.18 63885.06 20 No MI
53074 39980 20051001 350.76 39532.42 20 No MI
46229 24650 20060201 235.68 24623.04 20 No MI
30815 38000 20060101 333.2 37931.76 20 No MI
36870 33200 20060201 368.56 33177.23 20.01000023 No MI
33185 77000 20060101 675.17 76861.71 20 No MI
29579 43180 20051001 403.08 43063.09 20 No MI
33905 59400 20060201 608.85 59400 20 No MI
20906 22800 20050901 239.23 22588.48 12 No MI
30135 40350 20060101 399.59 40294.65 20 No MI
33033 28000 20051001 288.02 27942.15 20 No MI
10303 52000 20060101 433.46 51894.25 20 No MI
48473 29600 20060201 283.01 29551.39 20 No MI
87121 34336 20051001 366.17 34068.6 20 No MI
7643 103980 20060201 989.44 103867.5 20 No MI
30168 31400 20060201 269.78 31355.69 20 No MI
92543 58000 20060101 585.46 57928.79 20 No MI
7508 32400 20051001 373.36 31898.81 10 No MI
37338 17300 20060101 134.56 17258.69 20 No MI
34947 19000 20060101 148.12 18954.88 20 No MI
77511 31900 20051101 256.68 31793.44 20 No MI
30241 26550 20060201 248.84 26520.06 19.97999954 No MI
33066 36600 20051001 320.92 36483.56 20 No MI
34119 57800 20060101 594.54 57732.84 20 No MI
23462 29100 20060201 300.45 29075.04 20 No MI
55107 25000 20060101 219.21 24217.15 20 No MI
8081 20000 20060201 175.83 19975.83 7.630000114 No MI
34771 90000 20060201 884.41 89910.93 20 No MI
93535 54500 20051001 525.21 54353.06 17.57999992 No MI
48167 68400 20060201 708.22 68400.01 20 No MI
30144 21000 20060101 216.01 20975.6 20 No MI
30705 25900 20060201 279.12 25711.81 20 No MI
30045 32800 20051201 337.39 32752.11 20 No MI
30622 26600 20060201 248.31 26569.67 20 No MI
32835 34000 20051201 316.75 33927.82 20 No MI
33330
